SUMMARY:

• Regulatory Risk Compliance Consultant with extensive experience with e - Communications Surveillance (e-mail) of securities, Risk and compliance, and documentation. Quality Assurance of Foreign Exchange Online Trading documents. Surveillance of Fraud activities including review of AML (Anti-Money Laundering), EDD (Enhanced Due Diligence), CDD (Customer Due Diligence), KYC (Know Your Customer), QAR (Quality Audit Review - AML Case Reviews), AML Compliance Testing, (Laws, Rules, Regulations, Guidelines, Requirements, Policies and Procedures), US Trust Accounts. Experience with investigating consumer, small business, commercial, and brokerage accounts. Including BAU (Business as Usual), Refresh, Remediation (Look-Backs), and Suitability Reviews.
• Bank Secrecy Act (BSA), Financial Industry Regulatory Authority (FINRA), Anti-Money Laundering (AML), Global Financial Crimes Compliance (GFCC), Suspicious Activity Report (SAR), U.S. Trust Accounts, (USTA), Enhanced Due Diligence (EDD), KYC Quality Audit Control (QC) and USA Patriotic Act.
• Actimize
• Wealth Management System
• Risk Management System
• Mantas
• SharePoint
• Archer eGRC Platform
• Case Management Tool
• Microsoft Office Suite
• TPX Beta
• Branch Net
• CTR Terminal
• Hogan
• Trust 3000
• Complaint Compliance System (CoCo)
• CoCo (Compliance Complaints Application)
• Access Quality Assurance Review Tool

PROFESSIONAL EXPERIENCE:

Confidential

Compliance Consultant

Responsibilities:

• Regulatory review of email communications between relationship managers and business unit compliance officers, as well as external customers regarding account activity complaints records, answer quality assurance questions and ensure that information is documented accurately.
• Participate in implementing and monitoring a risk-based compliance program to assure compliance with federal, state, agency, legal and regulatory requirements and provide oversight of compliance function.
• Participate in and provide compliance consulting and support for projects and initiatives with moderate risk to identify and mitigate regulatory risk in business activities. Implements compliance testing strategies and methodologies; evaluates the adequacy and effectiveness of policies, procedures, processes, initiatives, products and internal controls and identifies issues resulting from internal and/or external compliance examinations.
• Assists in drafting software guidelines for the BUCOs (Business Unit Compliance Officers) to ensure regulatory compliance.
• Identifies opportunities and provide input to the development of materials and delivers .
• Draft report of findings and recommendations for compliance risk management.
• Assist in the coordination of site, agency or other examinations conducted by external parties.
• Performs a Quality Assurance (QA) review of customer complaints and documenting the review in a checklist.
• QA Reviews of documentation attached to a complaint record to understand the gist of the complaint, then reviewing the complaint record itself to ensure that all necessary fields are completed accurately.
• Document notes regarding exceptions in the complaint record and follows up with Compliance Officers to correct the exceptions.
• Understand and apply policies, procedures and job aids (together, “guidelines”).
• Critical thinking ability; ability to synthesize information from multiple sources, analyze complaint narratives and ensure that information about the complaint is accurately reflected in CoCo system fields. This requires making reasonable inferences based on guidelines and information provided about the complaint.
• Gather and organize data in order to monitor and test the effectiveness of key controls and status of mitigation and action plans.
• Prepare documentation for the tracking, monitoring, and escalation of risk-related issues to management.

Confidential

Issues Project Manager

Responsibilities:

• Facilitated and hosted weekly management calls with Business Line Managers and Senior Vice Presidents
• Created RACI Charts and project plans identifying applicable tasks, milestones, and weekly deliverables for process owners for the business line
• Maintained and updated weekly project action plans
• Ensured that all regulatory and Corporate Audit Services (CAS) issues components were resolved on time
• Provided weekly updates for all issues in EGRC/Archer system
• Prepared a CPMA Resolution Memo (Certified Per Management Assertion)
• Created and presented Power Point updates for senior management outlining Issue problem statement and solutions for business line issues

Confidential

Surveillance Analyst

Responsibilities:

• Responsible for the regulatory and risk review and determination of the accuracy and adequacy of the Branch Office Management and Supervision’s review of Active Client Review alerts via e-mail surveillance.
• Reviewed retail brokerage sales practices and activities across a wide range of products
• Worked in a fast-paced team environment to ensure that best practices were being followed by the financial advisors in the field
• Utilized analytical skills to perform in-depth reviews and if necessary, challenge responses and reviews completed by the Branch Office Management and Supervision.
• Monitored, escalated and verified risk-related escalations to completion, and communicated with internal lines of businesses and external customers.

Confidential

Business Process Consultant

Responsibilities:

• Responsible for performing quality reviews for relationship managers KYC Profiles for wealth management clients onboarding activities
• Reviewed and analyzed underlying data gathered to assess reasonable cause to escalate alerted transactions to AML Investigations
• Worked with independent financial advisors and supervisory personnel to resolve alerted transactions
• Communicated FINRA compliance guidelines to coordinators and relationship managers
• Complied with all regulatory requirements and remained in good-standing with regulatory agencies
• Completed regulatory compliance and operational reviews to ensure policies and procedures were being followed
• Responsible for conducting the review of brokerage account alerted transactions, as pertains to Anti-Money Laundering (AML) and the Office of Foreign Assets Control (OFAC) to ensure firm-wide compliance with the BSA and the USA Patriot Act, OFAC and other guidance as published by the SEC, FINRA, FinCEN, FATF or the US Treasury Department
• Reviewed and analyzed underlying data gathered to assess reasonable cause to escalate alerted transactions to AML Investigations

Confidential

Business Control Specialist

Responsibilities:

• Provided advisory and consultative services to private banking front office relationship managers and front office administration in addressing know your customer (KYC), Bank secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Assets and Control (OFAC) and policies and procedures and other compliance related matters
• Ensured regulatory mandated KYC Refresh Record information for high net worth customers (which included individuals, entities, trusts, hedge funds and foundations) were in compliance with policy guidelines and procedures set by the firm and industry regulations through daily review and audit of Know Your Customer Records (KYC) records
• Functioned as a subject matter expert (SME) for associates conducting Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and Transaction Monitoring Reviews, as well as Negative News Screening
• Conducted compliance and risk management surveillance reviews to identify and investigate suspicious information that could implicate potential money laundering or terrorist financing in customer identification program (CIP) and KYC records
• Conducted senior political figures and politically exposed persons (SPFs/PEPs) screenings identification and documented accordingly
• Provided supervision and quality review of Know Your Customer Refresh and BAU (KYC) information, ancillary documentation and other centralized functions supporting U.S. Trust
• Performed regulatory mandated KYC quality reviews and updates submitted by U.S. Trust (UST) client facing employees and other centralized functions as needed
• Monitored alerts for multiple cash, check, and other investment product transactions to determine suspicious activity for small business and commercial accounts for preparation of audit examinations
• Prepared investigative narrative of case findings uncovered during the due diligence investigation
• Utilized Mantas for review of transactions, as well as to disposition case reviews

Confidential

AML / Enhanced Due Diligence Consultant

Responsibilities:

• Conducted periodic and annual reviews of high risk customer accounts, including small business and commercial accounts
• Monitored Cash Transaction Reports to determine frequent currency transactions, and proper licensing
• Prepared investigative analytical reports of case findings uncovered during the due diligence investigation
• Received and investigated escalations from AML Analysts and Consultants based upon manual and automated monitoring
• Researched, reviewed. and validated missing Know Your Customer (KYC) information for retail consumer accounts
• Identified and investigated potential suspicious account activity for wire, cash deposit and withdrawals, account-to-account transfers, average balance, volume and velocity alerts
• Prepared investigative analytical reports of case findings uncovered during the due diligence investigation
• Conducted regulatory compliance reviews to ensure policies and procedures were followed.
• Part of the Process and Consistency AML Compliance Testing Team relating to procedural best practices

Confidential

Financial Crimes Analyst

Responsibilities:

• Reviewed suspicious Letters of Credit involving clients and or third-party establishments
• Identified the misuse of Trade Financing as one of the methods by which criminal organizations and terrorist financiers move money for the purpose of disguising its origins
• Researched, investigated, and documented unusual or suspicious activity related to trade-based money laundering
• Facilitated and hosted weekly transition calls with Program Bank Managers and Advisors
• Created customized transition project plans identifying applicable tasks, milestones, and weekly deliverables for program manager’s conversion process
• Maintained and updated weekly project transition action plans
• Managed day-to-day operations of the business
• Setup new customers in the system to receive monthly newsletter and gift subscriptionsConducted weekly and monthly reconciliation of all payments received
• Performed customer due diligence (CDD) and Enhanced Due Diligence (EDD) on High Risk and Higher Risk customers for client retention decision
• Identified and researched the patterns, trends and anomalies in transactional and customer data to detect, prevent, mitigate and report suspicious activity related to money laundering and terrorist financing (USA Patriotic ACT) USAPA news. Communicated negative findings to lines of business and supply guidance on course of action
• Evaluated CIP items for customer verification when needed, escalated requests for further documentation to the line of Business (LOB) to ensure compliance with internal policies
• Responsible for assisting with the implementation and monitoring of risk-based compliance program to assure compliance with federal, state, agency, legal and regulatory requirements
• Participated in and provided compliance support for projects and initiatives with low to high risk to identify, assess, and mitigate BSA and AML risk in business activities
• Maintained program and procedures, making updates as needed and assisted as needed with examinations and or audits
• Reviewed Know Your Customer credentials to identify non-compliant customer accounts
• Investigated customer bank account activities for suspicious money laundering activity
• Created and prepared investigative Unusual Activity Reports for alerted customer accounts