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.

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.

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.

Mba, International Business

Ba, Management