SUMMARY

• Highly experienced enterprise Regulatory Compliance Professional, PMO/BA and Financial Risk Executive with over 10 years industry, consulting, testing & monitoring, auditing, project management, and training experience in evaluating and managing compliance, legal, business, risk, audit, market, credit, financial, operations and information systems within financial institutions.
• Additionally possess extensive experience in the following areas: Management of Regulatory Examinations, Risk Assessments, Bank Secrecy Act, AML/KYC/OFAC, Data Privacy, Data Governance, Operational Risk, Governance Operations, Suspicious Activity Reporting (SAR), Transaction Monitoring & Surveillance, Regulatory Reporting, Policies and Procedures, Treasury, Capital Markets, Fixed Income, Equities, Derivative Products, Asset - Liability Management, Foreign Exchange, Client Reference Data, Dodd Frank, Records Management & Retention, Information Technology, Mortgage Lending, Consumer Lending, Investment Finance Lending and Fair Lending.

PROFESSIONAL EXPERIENCE

Confidential, New York, NY

Senior Vice President, Regulatory Program Manager

Responsibilities:

• Identifying and creating awareness of pending CIB regulatory responsibilities stemming from regulatory exams or other related legal notifications;
• Ensuring resulting regulatory commitments made to regulators are conducted with relevant CIB principles;
• Ensuring CIB’s regulatory commitments are fulfilled holistically and timely;
• Working closely with lines of business, Risk Management, Operations and others to further develop a robust Compliance Framework;
• Providing subject matter expertise to Training, Testing and Risk Assessment units within Compliance, as well as certain Line Compliance units;
• Participating in working groups that include other control teams such as legal, risk management, and audit and business supervisory functions to ensure compliance coverage is comprehensive and consistent and that issues are appropriately addressed on a timely basis;
• Working with the Compliance testing team, Internal Audit and/or Finance Regulatory Reporting teams to identify emerging risk areas and recommending ad hoc testing as necessary;
• Developing monthly CIB regional presentations which contain the region’s regulatory involvement throughout regulatory examination process including creation of remediation action plans;
• Ensuring all stakeholders are part of decision making process when developing regulatory commitments impacting CIB and CAO organization;
• Providing clear written and verbal communications, ensuring that CAO management are well briefed regarding regulatory initiatives, compliance and exams;
• Developing and leading ad hoc analyses, presentations and projects as needed;
• Maintaining the Firm wide policy regarding regulatory exam management, committees, form of committee charter and other committee related materials;
• Maintaining the Firm wide inventory of committees and organizational charts, as well as committee memberships and repository of committee meeting materials and minutes;
• Reviewing and overseeing the approval of committee charter amendments and the establishment or dissolution of committees;
• Management reporting regarding committee activities and initiatives; and
• Developing and implementing training for committee chairpersons, counsel, secretaries and members on various committee related matters.

Confidential, New York, NY

Compliance Change Management & Reporting

Responsibilities:

• Leading programs and projects of varying scope and size through entire project lifecycle;
• Organizing, directing and executing the activities of assigned projects;
• Establish and maintain a framework and methodology to ensure a consistent approach to delivery is taken across the Initiative through the use of appropriate management tools, processes and practices;
• Gathering requirements and developing of Functional and non-Functional Specifications;
• Provide Portfolio/ Executive Level Reporting to fulfil stakeholder requirements on progress against key criteria such as cost, schedule, risks, issues and benefits;
• Liaising with Senior Compliance Executives, Finance, IT, HR and Regulatory Agencies; Focus on federal banking laws and the regulations of the office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System (FRB) and the Federal Deposit Insurance Corporation (FDIC);
• Providing counsel and legal support in respect of regulatory matters affecting the institution;
• Providing subject matter expertise in FR Y Reporting, respective change management activities, capital reporting, process management, routine reporting communications guidance, direction, and controls adherence;
• Experience with Credit, Rates and/or FX trading application development streams;
• Ensuring projects are completed on time, within the approved budget, and within stated strategic business goals and objectives;
• Translating business strategy into executable program of delivery including creation & maintenance of detailed project plans covering all deliverables;
• Managing financial reporting on a monthly bases (planned vs. actual), reforecasting by collaborating closely with finance and BMO teams;
• Providing thought leadership and work with business leads in defining, prioritizing and achieving strategic objectives and, ensuring projects delivered meet the approved business requirements;
• Acting as a change agent in the identification and execution of performance improvement initiatives;
• Establishing working relationships and routinely interface with project sponsors, business stakeholders, technology, internal/external clients and PMO’s;
• Demonstrating superior inter-personal skills, conflict resolution, and negotiating skills;
• Ensuring neutrality position is maintained to take independent view on status and risk/issue management to bring best solution for the firm;
• Planning & executing internal Compliance projects;
• Performing independent QA reviews;
• Participating in key governance committees; Managing Analysts and Project employees;
• Capturing and documenting known and emerging gaps between the current state and Target Model;
• Offering constructive options to ensure project tracks to original expectations and scope, assemble project teams, identify resource and/or scheduling conflicts, manage change control, function as an escalation point to keep all parties aware of new and ongoing tasks, assist in the facilitation of issue resolution;
• Developing project charters, project plans, status reports and risk/issues logs and maintaining project artifacts in SharePoint;
• Delivering presentations and preparing sessions with groups across the globe;
• Streamlining internal procedures in order to perform more efficiently;
• Performing change readiness assessments and manage outcomes;
• Authoring business requirements documents and policies and procedures;
• Documenting current vs. target state process maps, gap analyses and data flows;
• Establishing quality measures and standards that ensure milestones are met, projects are completed, and identified benefits are realized;
• Responsible for management reporting across the business verticals, reporting and monitoring project performance; and
• Ensuring compliance with PMO, Program & Project standards.

Confidential, Somerset, NJ

Data Architecture and IT Governance

Responsibilities:

• Developing, Implementing and Maintaining Bank Compliance Program, Enterprise Risk Management Program and all IT Project Initiatives related to Bank Regulatory Compliance (U.S. Banking Regulations, i.e. Regulations AA, B, D, E, G, P, V, W, X, Z, CC and DD, Dodd Frank, Volcker Rule, CFTC/NFA Regulations, Basel II, GLBA, SOX, PCI, USA Patriot Act, Bank Secrecy Act, OFAC, the Investment Company Act of 1940, the Investment Advisers Act of 1940), Consumer Compliance, Information Technology Risk & Compliance, Logical Data Architecture, Data Governance, Data Masking, IT Governance Compliance and SOX IT Audit Controls;
• Managing and Conducting Regulatory Monitoring and Testing of MetLife Bank business units, processes, functions, IT Compliance Program, internal controls, processes and desk procedures; Conducting Regulatory Compliance Audits and Reviews; Conducting IT Compliance Audits and Reviews;
• Managing Regulatory Examinations, inquiries and enforcement actions; Resolving Regulatory Enforcement actions; Liaising with regulators (OCC, SEC, Fed, FINCEN, FDIC, FINRA) and others in response to relevant inquiries and requests; Managing and Conducting Regulatory Reporting; Recommending enhancements to compliance program based upon the feedback from regulatory agencies and internal audit findings;
• Managing and Conducting Risk Assessments and IT Security Assessments of applicable laws and regulations;
• Ensuring compliance with Sarbanes - Oxley and Dodd Frank OTC Derivatives regulations; Developing policies related to Dodd Frank legislation as well as amending existing FINRA Written Supervisory Procedures to conform to all aspects of Dodd Frank; Facilitating regulatory requirements of Dodd Frank across impacted business units (i.e. Ops, IT, etc.);
• Developing enterprise wide Consumer Compliance Program, including compliance risk management program, third party compliance reviews, privacy/customer information security, fair lending, Community Reinvestment Act (CRA), Home Mortgage Disclosure Act (HMDA), Unfair Deceptive Acts and Practices (UDAP);
• Managing compliance issues and risks regarding the Corporate Divesture and Disentanglement of various lines of business;
• Identifying, Managing and Mitigating risks inherent in business processes and technology systems that support business objectives; Providing business units with information needed to help meet strategic and financial goals;
• Managing department of IT professionals & compliance subject matter experts in establishing complete business & functional requirements and translating those requirements into actionable project initiatives with associated metrics;
• Reviewing and Preparing Contracts, Service Agreements, Licensing Agreements;
• Drafting SARs to be filed with FINCEN;
• Conducting AML investigations that fall outside of scope of normal operational activities;
• Authoring, Maintaining and Documenting Compliance policies, procedures, internal controls and IT security controls, functions and processes;
• Records Management, Document Retention and Data Records Management Oversight; and
• Conducting Seminars and Publishing whitepapers including but not limited to IT Compliance, Privacy and Data Protection, Data HIPAA, AML/BSA, KYC, SEC Regulations, FINRA, Corporate Compliance, Trade Surveillance, Enterprise Risk Management, Credit Risk Management, Solvency II, Market Risk, Operational Risk, Liquidity Risk Management, RESPA, bank and/or credit-related regulatory requirements, (e.g., Federal Reserve Regulations, OCC, Fair Lending, Privacy, etc.) and industry best practices for compliance programs in larger banking or consumer lending organizations.

Confidential, New York, NY

Vice President

Responsibilities:

• Monitoring and Ensuring compliance with applicable US Bank regulations; Ensuring consistent implementation regarding compliance and risk programs;
• Developing tracking systems for compliance monitoring and compliance metrics to assist the development of best practice initiatives;
• Managing regulatory exams and regulatory inquiry coordination; liaising with regulators (OCC, SEC, Fed, FINRA) and others in response to relevant inquiries and requests;
• Providing subject matter expertise in FR Y Reporting, respective change management activities, capital reporting, process management, routine reporting communications guidance, direction, and controls adherence;
• Managing Correspondent Bank and Cross Border Compliance Program;
• Managing Email Surveillance Compliance Program;
• Managing Registration and Licensing Compliance Program;
• Managing issues regarding AML/BSA best practices;
• Managing all aspects of AML/BSA, KYC, OFAC, Capital Markets, Equities and Fixed Income Compliance;
• Managing all aspects of compliance with the Investment Company Act of 1940 (“1940 Act”) and the Investment Advisers Act of 1940 (“Advisers Act”) as well as specific fund restrictions for all open- and closed-end funds;
• Implemented Actimize;
• Analyzing and identifying global trends and developing regularly reporting of risk and control gaps to ensure organizational adaptation and compliance;
• Writing formal audit reports and compliance reports directed toward those audited, Senior Management, and the RBCCM Governance Committee;
• Developing, authoring and reviewing departmental policies and procedures for all business units regarding compliance with regulatory requirements and sound practices;
• Analyzing the compliance and audit programs for effectiveness, recommending changes and improvements as appropriate; and
• Designing, conducting and implementing appropriate training and awareness programs and for applicable business areas and employees regarding regulatory and compliance issues; preparing educational materials.

Confidential, New York, NY

Vice President

Responsibilities:

• Conducted regulatory compliance testing and monitoring (Regulations D, W, etc.), AML/BSA, KYC, Bank, Broker Dealer) for compliance program throughout SMBC and its subsidiaries;
• Conducted compliance risk assessments directly with business units regarding products and services;
• Assisted with designing, conducting and implementing appropriate training and awareness programs for SMBC business areas regarding regulatory and compliance issues; prepare educational materials;
• Reviewed and authored departmental policies and procedures for compliance with regulatory requirements and sound practices;
• Implemented Actimize;
• Interacted with regulators and others in response to relevant inquiries and requests;
• Evaluated and responded to new and changing federal, state, local and administrative regulations;
• Recommended enhancements to compliance program based upon the feedback from regulatory agencies and internal audit findings;
• Preparing of SEC registration;
• Conducted reviews regarding best practices pertaining to AML/BSA/OFAC/FCPA;
• Assisted in performing oversight and monitoring of documented policies and procedures throughout SMBC and affiliated businesses by conducting test work within deadlines, documenting results and identifying and escalating potential issues;
• Acted as a reference point for business areas that need aid resolving legal and regulatory issues.

Confidential, New York, NY

Regulatory Compliance Associate

Responsibilities:

• Managed OFAC Compliance Program;
• Managed AML/KYC Compliance Program;Implemented Fortent;
• Developed and drafted internal policies and procedures monitoring compliance with DTCC’s internal policies and procedures; guide DTCC business areas in the development of their procedures to comply with DTCC policies;
• Participated in periodic reviews of DTCC’s units/departments to ensure proper implementation and adherence to DTCC’s BSA/AML policies and procedures;
• Conducted regulatory testing and monitoring for compliance program throughout DTCC and its subsidiaries;
• Conducted compliance risk assessments directly with business units regarding products and services;
• Conducted Transaction Surveillance and Investigations; SAR Filings;
• Designed, conducted and implemented appropriate training and awareness programs for DTCC business areas regarding regulatory and compliance issues; prepare educational materials;
• Interacted with regulators and others in response to relevant inquiries and requests;
• Evaluated and responded to new and changing federal, state, local and administrative regulations;
• Recommended enhancements to compliance program based upon the feedback from regulatory agencies and internal audit findings;
• Prepared metrics and other compliance reports for senior management and the Board of Directors;
• Performed oversight and monitoring of documented policies and procedures throughout DTCC and affiliated businesses by conducting test work within deadlines, documenting results and identifying and escalating potential issues;
• Evaluated and enhanced compliance programs established by DTCC and its subsidiaries; and
• Acted as a reference point for business areas that need aid resolving legal and regulatory issues.

Confidential, Jersey City, NJ

Associate; Transaction Surveillance

Responsibilities:

• Conducted reviews of transactions and activities of customers/relationships of the Bank and its subsidiaries, the Bank’s systems; conducted reviews of transactions and activities of correspondent banks and/or customers, and their anti-money laundering systems;
• Implemented Mantas;
• Worked with outside auditors and/or perform special projects when required;
• Conducted compliance risk assessments directly with business units;
• Ensured overall compliance with the Bank Secrecy Act/Anti-Money laundering regulations by:
• Conducting transactional testing;
• Performing special account investigations;
• Reviewing reports to monitor activity of accounts;
• Performing reviews of Correspondent Banks and master payable-thru accounts banks (PTA banks) to ensure proper money laundering controls are in place and, specifically, with respect to the monitoring of PTA sub-accounts;
• Developed, drafted and implemented procedures to monitor New York branch transaction for compliance with applicable laws and regulations, including Reg. W, Privacy, Insider Trading/Information Barriers, the Patriot Act, U.S. Treasury AML guidelines, OFAC requirements, Suspicious Activity Reporting requirements, 1933 Act, 1934 Act, Advisers Act of 1940, state and federal banking regulations and numerous other issues;
• Conducted SAR filings/reviews; and
• Participated with Risk Management and Investment Finance in the development of new or enhanced guidelines pertaining to funds transfers.

TECHNICAL SKILLS

LANGUAGES: Fluent in English, French, Creole and Spanish

COMPUTER PROFICIENCY: Proficient in SharePoint, Archer, Actimize, Mantas, Norkom, Fortent, FiServ, Protegent, Yellow Hammer, SQL, Prime Office Suite, Compliance Accelerator, Accuity, Pacer, West Law, Lexis Nexis, World Check, SAS, Algorithmics, MSCI Barra, Risk Metrics, SunGard, Aleri, Reveleus, Paisley, Open Pages, all Microsoft Applications (Word, Excel, Access, Project, PowerPoint), Bloomberg, Lotus Notes, Outlook and WordPerfect.