Bill Lowe Email & Phone Number

Washington, Dc, Us

Washington, District Of Columbia, United States

New York City Metropolitan Area

• Collaborated with business development and technology partners to deliver anti-money laundering, e-KYC, and biometric/augmented identity solutions to Latin American and Asian financial institutions.• Advised fintech startup 27 Ventures on launch of mobile app Moxi on AML, privacy and customer protection matters. Moxi offers financial tools to creative freelancers.• Partnered with GLG Consultations to provide insights and analysis on compliance issues and solutions in the financial services space, and governance programs spanning multiple jurisdictions or regions.

Newark, New Jersey

Led U.S-based compliance team with oversight for insurance and retirement operations and 20+ compliance officers across eight countries.• Worked closely with business and compliance management to mitigate regulatory risks in launch of first digital D2C distribution portal in Argentina.• Led sales practice testing project across all international insurance operations, strengthening supervision and suitability controls and reducing conduct risk across captive, third-party, and D2C distribution channels.• Led compliance review of first-of-kind financial wellness program in region, providing risk-based solutions on privacy, conduct and other regulatory risks.• Executed compliance assessment of digital sales platform for third-party bancassurance network in Brazil, enabling remote wholesaler support of 300+ branch offices with 1 million affluent customer base.• Coordinated execution of AML and anti-corruption risk assessments in Latin America, resulting in the remediation or enhancement of key controls. • Partnered with Mexico business and compliance functions to enhance the local AML program, including introduction of customer risk rating process.• Led compliance due diligence and support for (1) acquisition of minority equity stake in Colombian pension administrator with USD 11 billion assets under management, (2) divestment of Poland and Italy life operations, and (3) integration activities of group life USD 116 million acquisition in Brazil.

Singapore

Led compliance practice for Singapore regional office with oversight for insurance operations and 20+ compliance officers across five countries.• Served as interim CCO of Malaysia JV, strengthening compliance program and addressing legacy control deficiencies in sales practices, fraud prevention, AML, anti-corruption and compliance risk governance.• Led sales practice review of Malaysia JV across its captive agency, bancassurance and post office channels, identifying deficiencies in sales supervision, unmitigated conflicts of interest, fraud prevention protocols.• Partnered with Corporate and Taiwan compliance teams to implement AML risk-based scorecard for classifying clients and improve know-your-customer, enhanced due diligence, and transaction monitoring processes.• Coordinated sensitive customer remediation effort to address significant sales practice case, partnering with management to repair reputational damage and restore trust with regulators, customers and the public.• Led compliance due diligence for company's market entry into Indonesia, identifying regulatory and reputational gaps to be addressed post-acquisition. • Designed compliance integration plan for Indonesia joint venture, including risk-based prioritization of compliance policies and processes.

Tokyo, Japan

Provided compliance advisory services to Prudential's three insurance operating companies in Japan on U.S. regulatory and company policy matters. • Co-led Japan team responsible for compliance due diligence of USD 4.8 billion acquisition of two Japanese life insurance companies and integration with Prudential. • Coordinated the implementation of the US Foreign Account Tax Compliance Act (FATCA) across three Japanese life insurance operating companies. • Managed implementation of global compliance initiatives in Japan, including revision and localization of enterprise policies for Japan operations. • Identified and executed improvements for personal securities trading controls for Japan employees and communication protocols with US headquarters.• Coordinated efforts between Japan and US compliance teams to satisfy inquiries during regulatory examination by local financial services regulator.

Newark, New Jersey, Us

Managed team of two associates responsible for compliance metrics analysis and reporting of international insurance operations. • Identified compliance control improvements in several areas, including anti-money laundering, anti-corruption, sales practices/suitability, and compliance training through data analysis of compliance metrics and on-site testing of controls in Asian and Latin American operations.

Mba, International Business

Ba, Management