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Click here or scroll down to respond to this candidateCandidate's Name
Lead Compliance OfficerLocation: Dallas, TX / Jackson, MSAvailability: ImmediatelyEmail: EMAIL AVAILABLEPhone: PHONE NUMBER AVAILABLEProfessional SummaryFirst Party Fraud, ATO (account takeover) EFE (elder fraud exploration), ID Theft, SAR Filing.Regulatory compliance experience and knowledge includes but is not limited to: Regulation (Reg) C: Home Mortgage Disclosure, Reg E: Electronic Fund Transfers Reg F: Fair Debt Collection Practices Act - Reg G: Secure and Fair Enforcement for Mortgage Licensing Act; Reg P: Privacy of Consumer Financial Information - Reg V: Fair Credit Reporting - Bank Secrecy Act (BSA); Gramm-Leach-Bliley Act, (GLBA),Foreign Corrupt Practices Act (FCPA), Office of Foreign Assets Control (OFAC), Know Your Customer.Regulatory compliance for Federal, State, Industry.(KYC), US Patriot Act, Dodd-Frank Wall Street Reform (i.e. Unfair, Deceptive or Abusive Acts and Practices.Helping banking clients solve complex business procedures, anti-money laundering and sanctions issues, commercial banking general ledger, QA, data validation, vendor management and trust remediation.Worked with AML risk management models, including the customer score risk, review, risk management policy and governance model.Also, an innovative meticulous professional with expertise in regulatory compliance & audit, risk measurement and analysis, process planning and implementation, and negotiating solutions.Collaborative communicators continually focused on building solid relationships with customers, peers, and direct reports, and across business lines to drive process improvements and enhanced profitability.Professional ExperienceSen. Fraud Investigator - Contract Aug. 2023 to June 2024PWC / USAA, San Antonio, TXConducting investigations of fraud cases, documenting investigative findings, and determining whether the case should be escalated/referred for further review or action.Analyzing transactional data and conducting internal and external research on subjects using a variety of research tools.Reviewing and investigating customer profile information (PI, email, phone, etc.).Identify scenarios which merit a SAR to be filed or amend an existing SAR o Accurately and thoroughly gather necessary artifacts for SAR development.Drafting SARs to be filed to FinCEN by clients, where necessary.Understanding and applying procedures, including procedural changes throughout the engagement, into the investigation.Establishing effective working relationships with PW teams and client stakeholders (as applicable).Meeting production targets and quality standards.Maintaining a strong level of independence and time management skills.Maintaining high attention to detail.Completing required training as assigned.Lead Compliance Officer - Contract Sept. 2022 to Aug. 2023Experis/Wells Fargo, Irving, TXSupported the following Regulatory Requirements: Regulation (Reg) C: Home Mortgage Disclosure, Reg E: Electronic Fund Transfers, Reg F: Fair Debt Collection Practices Act - Reg G: Secure and Fair Enforcement for Mortgage Licensing Act; Reg P: Privacy of Consumer Financial Information - Reg V: Fair Credit Reporting.Drive compliance with federal, state, Industry, agency, legal and regulatory and Corporate Policy requirements via SHARP, ENGIn (Step 5 BACO Applicability and Step 6 Control mapping) and CUBE platforms.Review MCR Citations, establish RAU applicability and associated attributes.Review MCRs citations via Green Book and CUBE tools for federal to ultimately support RCSA.Review MCR Citations to determine RAU applicability and associated attributes, to establish Controls and identify gaps.Results driven Regulatory Compliance Consultant and Business Analyst with a demonstrated history in the financial services industry.Provided oversight and monitoring of business group risk-based compliance programs. Maintain compliance risk expertise and consulting for projects and initiatives with moderate to high risk, over multiple business lines.Established, implemented, and maintained risk standards and programs to drive compliance with federal, state, agency, legal and regulatory and Corporate Policy requirements.Oversaw Front Line's execution and challenge appropriately on compliance related decisions. Developed, and provided independent credible challenges to standards with subject matter expertise. Provided direction to the business on developing corrective action plans and effectively managing regulatory change. Reported findings and made recommendations to management and appropriate committees.Identified and recommended opportunities for process improvement and risk control development. Receive direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements. Monitored the reporting, escalation, and timely remediation of issues, deficiencies, or regulatory matters regarding compliance risk management.Reviewed Front Line's execution and challenges appropriately on compliance related decisions. Make decisions and resolve issues to meet business objectives. Interpret policies, procedures, and compliance requirements.Collaborated and consulted with peers, colleagues, and managers to resolve issues and achieve goals. Worked with complex business units, rules, and regulations on moderate to high-risk compliance matters. Interfaced with Audit, Legal, external agencies, and regulatory bodies on risk related topics.Sen. Consultant (Regulatory Compliance with Governance)EY ERNST & YOUNG (Full Time) Feb. 2021 to Sept. 2022Corresponding lending Senior Consultant on the Financial Crime team, I was part of multiple projects that required me to give the best advice to our clients using my knowledge and experience to provide the best outcomes.Worked with AML risk management models, including the customer score risk, review, risk management policy, governance model, Corresponding banking and brokerage accounts.Supported major AML project for financial services client MUFG.Work with both Actimize, SAS, Java, Purview and other proprietary tools to mitigate various financial risk factors.Providing inputs into the application of regulatory standards and support the development of solutions to resolve complex financial crime risks and issues.Work with AML risk management models, including the customer score risk, review, risk management policy and governance model.Developing AML regulatory assessments to identify gaps and recommendations for improvement to align with the international best practices and regulation.Experienced in Implemented Data Governance using Microsoft Visio, Excel, Collibra and IBMs IGC (Information Governance Catalog)Supporting clients performing the investigation of suspicious activities regarding anti money laundering prevention and terrorist financing.Creating innovative and proportionate insights for our financial crime clients, adapting methods and practices to fit their business needs.Supporting the team management.Contributing to the development of the Financial Crime team acting as mentor and coach to the junior members of the team and leading by example.Understand EY and its service lines and actively assess/present ways to serve clients.Senior Analyst Commercial Banking (AML) ContractorPWC/MBO (Texas Capital Bank), Richardson, TX July 2020 to Jan. 2021Responsible for monitoring and analyzing transactional data to identify potential Bank SecrecyAct violations within high-risk countries and identifying customer act activity for fraud,etc. Job duties performed included.Research, analyze, investigate, and validate data for internal fraud and other suspicious activity related risks in accordance with Bank policies and procedures.Identify internal controls and customers that pose a fraud risk.Produce top quality investigative cases that can be held to high standards of quality and accuracy.Respond to Actimize alert and review all Fiserv data deposit transactions to include 3rd party checks, Duplicate,Mobile deposits and wire transfers to ensure that all transactions meet BSA/KYC requirements.Identify accounts that has exceed maximum daily deposit amounts CTR, etc.Build and maintain custom transaction data on the Salesforce platform, including data models, business logic user interface, and workflows.Collect documentary proof to build and maintain case files for transactions deemed suspicious.Interprets policy guidelines and regulations for assigned areas. Performs compliance tasks that deal with compliance.and regulatory issues.Flexible to perform other functions as requested by management.Senior Compliance/Business Analyst Commercial - ContractorCSI (Sun/Trust Bank), Atlanta, GA August 2019 to July 2020Help to create automated workflows to collect project data to monitor client relationship.Responsible for the implementation and administration of compliance programs.Ensures applicable laws and regulations are met by transactional testing and reviews of business units and related technologies and processes.Evaluates compliance adherence through analyzing data and reporting results, risks and trends to management.Reviews filings or reports to regulatory agencies.Collect and refine business requirements and configure the application to achieve the needs of the business.Build and maintain custom applications on the Salesforce platform, including data models, business logic, user interface, and workflows.Depending on level, performs activities such as administrative duties, review filings, revise, evaluate, and communicate procedures, analyze technology applications, and advise business units on applicable regulatory requirements and any necessary remediation related to commercial banking.Interprets policy guidelines and regulations for assigned areas. Performs compliance tasks that deal with compliance and regulatory issues.Analyzes standard Trust and Beneficial owner Documentation and identify opportunities to correct non-compliance. Monitors and analyze routine transactions.Business Analyst II -ContractorPWC/MBO (Wells Fargo), Columbia, SC March 2019 to August 2019Estate planning trust document review and related technologies and vendor management processes. Evaluates compliance adherence through analyzing data and reporting results, risks and trends to management.Depending on level, performs activities such as: administrative duties, review filings, revise, evaluate, and communicate procedures, analyze data base technology applications, and advise business units on applicable regulatory requirements and any necessary remediation related to client relationship management trust administration.Review financial, estate and tax planning, including the legal framework of trust and estate and administration.Review Participation/Syndication portfolio.SQL, SQL queries (insert, searches, updates and delete) SQL statement.Review Sub-ledger and General ledgers as they relate to debates and credits.Determining best choices in different situations with diversified framework with flexible procedures.Ensures applicable laws and regulations are met by transactional testing and reviews of estate plan and trust for Wells Fargo customers.Provide independent document interpretation, decision making regarding administration of account relationships to Trust assets.Identify and resolve complex problems with minimal guidance.Proficient knowledge of complex commercial lending fast-paced environment with strict deadlinesSimultaneously manage multiple tasks, projects, and deadlinesMy role required the highest degree of integrity and excellent social and professional etiquette.Compliance Officer AML Investigator - ContractorDYSIS (Capital One), Plano, TX. June 2018 to March 2019Assist a large retail, commercial banking, and credit card systems in addition to LE (Law Enforcement) Subpoena in adhering to stringent Anti-Money Laundering regulations and compliance standards by researching, analyzing, and investigating customer/transaction behavior for potential money laundering or terrorist financing related risks in accordance with regulators such as the OCC, FinCEN, and ATF.Responsible for reviewing and approving high risk monitoring alerts, Law Enforcement requests, Sanctions alerts, CTR/forms, and other duties related to the banks AML/CFT program as necessary. Prepare detailed investigative reports and executive summaries based on extensive CDD/ EDD using Actimize, Lexis Nexus, Word Check, and another external research.Ensure that AML/ATF issues and events are reported and escalated in a timely manner.Responsible for identification of money-laundering, terrorist financing risk and fraud mitigationPerform detailed investigations, prepared suspicious activity reports and evaluated adequacy and effectiveness of management BSA/AML controls over transactions, CTRs, Mobile Deposit/Third Party.Evaluated transactions and customer relationships for money laundering activities and identified red flag issues.Review BSA/AML/OFAC policies and procedures using Six Sigma and BPM methodologies such as process maps, FMEA'S etc. and update, as appropriate.Compliance Subject Matter Expert (SME): Bank Products-BSA/AML/KYC/OFACCompliance Officer - ContractorSpecial Counsel (Lexis-Nexis/Amazon), Seattle, WA. May 2014 to June 2017Carry out compliance audits to identify potential gaps in process executions, then communicate results to relevant departments and management.Conduct research on system generated alerts and determine how the assess impacts AML, document all results in in the appropriate system in written from.Review General Ledger activity.Reviewed customer activity using LexisNexis Amazon Bridger and Jupiter platform to identify potential suspicious patterns and trends consistent with avoidance, velocity, rapid movement, elder abuse, tax fraud, social security fraud, Incoming/Outgoing with sanction countries.Worked with management teams to design compliance procedures in accordance with guidelines and Risk.Support team supervisors in executing certain responsibilities.Conducted research over enterprise risk management systems databases, and financial statements to resolve investigations.Handle issues as appropriate for advanced investigation and analysis.Performed special projects as needed.Mortgage Compliance Underwriter - ContractorCLAYTON AND BOHAN (Green Point Mortgage) Sept. 2009 to Feb. 2014Responsible for performing exception credit analysis for newly originated 1-4 family residential loans.Analyze risk factors along with the presence of compensating factors that mitigate risk to the Bank and structure transactions accordingly.Responsible for underwriting exception loans that are the most complex loan transactions, interpret complex financials from multiple and or interconnected entities.Maintain a high level of customer service including extensive communication with sales professionals. Review Mortgage Credit Packages.Verify accuracy and applicability of documents.Review and analyze income documentation.Calculate Debt-To-Income ratios to ensure program guideline parameters are met.Review and analyze credit report and other documentation for mortgage and other credit history.Review Appraisal forms and related documents to determine collateral meets acceptable investor standards.QC Underwriter and Compliance Auditor - ContractorCareerLink (Wells Fargo), Springfield, ILL April 2006- Aug 2009Responsible for underwriting, due diligence, portfolio analysis and compliance review projects. Review mortgage credit packages to determine if applicable guidelines were followed in verifying and calculating borrower income, credit worthiness, property value and clear title. Review regulatory compliance related documents to ensure conformity with federal, state, and local regulations.Track underwriting error trends and patterns and generate improvement guidelines.Ensure company, GSEs, FHA &VA underwriting and compliance guidelines and regulations were met.Team effort with other Underwriters, Quality Control Manager and Transaction Manager to assist in the overall objectives.Attended various meetings related to compliance and regulatory updates and training.Review, analyze, underwriter 3-4 conventional, jumbo, and complex loans daily.Re-negotiate loans based on lending guidelines.Track compliance issues identified, generated through metrics and reports Capture related data for Compliance review.Verified all regulatory compliance protocols related to FDCPA, HMDA, HOEPA, UDAAP, FCRA, FACTA, ECOA, CRA, BSA/AML, TILA, RESPA and Regulation Z reporting accurately.Senior Service Account ManagerSamsung Telecommunication of America 2000 to 2006SPOC for Service, Repair, Reverse Logistics relationship with T- Mobile and Verizon Wireless. Sr. Management and Executive level relationship management; Ensure best in class wireless device performance and quality provided.Managed project budget and subsequent monthly analysis comparing actuals to budget. Improved accuracy and balance sheet reconciliation via enhanced approval.Support the development of the scope and objectives of the deal, offering commercial solutions that make up Saudi Aramcos business offering.Wireless Industry Solutions Provider Repair, Reverse Logistics, 3PL, Asset ManagementDirect Business Development and Carrier account support activities.Directed and provided training across functional areas. Manage the customer support process for Carriers utilizing.Created weekly flash report of project P&L for further improvement in evaluating and monitoring performance.Developed project FAQ through lessons learned.SAP and Sales Force including Verizon and T-Mobile.Lead contract/agreement activities for Carrier (both existing and new agreement activity.)Direct, develop and measure customer metrics to ensure SLAs and KPIs are achieved as part of program and scorecard success criteria (Shipments/Receipts, TAT, Quality, Yield, Forecast Accuracy, Claims/Billing, etc.)Accurately tracked and forecasted utilizing SAP to manage life cycle of product availability and logistics management while increasing efficiency of sales and service fulfillment for customer.Senior Account ManagerEricsson North America 1997 to 2000Direct sales of the following Ericsson products to MCI WorldCom: AXE Class 4 & 5 Digital Switch, International Gateway Switch and product upgrades and support.Increased Ericsson annual sales revenue to WorldCom to as much as 25%Consult with customer, identify network application sales opportunities, assist with technical proposals and pricing, make customer presentations, perform competitive analysis and directed the closing of the sale.Interface with WorldComs Marketing, Product Development, Corporate Development, Engineering and Operations groups to maximize sales of Ericssons service offerings.Developed customer network solutions such as Global Intelligent Networks, Advance Intelligent Networks, ISDN, XDSL, DWDM, and Gateways.International and US TravelDirector of OperationsMFS WorldCom Dallas, Texas 1995 - 1997Directed initial construction and implementation of MFS first switch in Texas and overall strategic development.Directed the traffic engineering decisions for effectiveness and consistent application of service standards.Directed the review of the total network configuration involving ATM, SONET and Frame Relay. Participated in setting requirements to evaluate changing opportunities.Generate and review traffic report weekly with engineering team.Accept feature group D trunk from local Bell transport company DS1 through DS3Assisted and conducted technical sales presentations explaining network design and functionality.Senior EngineerEricsson North America 1986 - 1995Testing and implementation of product modification packages in a simulated real-time environment.Test activity leader for new applicationsCorrection testing and verification, Emergency Approved Correction testing (EAC), Correcting testing and handling. Directed delivery generation handling for application system deliveries.Education & CertificationsDEVRY Institute of Technology Irving, TX 1982 - 1984BS. Electronic Engineering TechnologyJackson State University Jackson, MS 1980 - 1982Industrial ElectronicsTrainingsStudying for both CFE and ACAMCertificationsACAM Training (In progress online).VERAFIN FRAML-x Training (Fraud Detection)Collin County Community College (Real Estate / Finance)Underwriting Compliance training through the Clayton GroupF&I University (American Financial & Automotive Services Inc. |
