Dan Repinski Email & Phone Number

West Bend, Wisconsin, United States

Manage all aspects of BSA compliance coordination and monitoring in conjunction with the BSA Officer to ensure the financial institution is compliant with all federal laws and regulations regarding AML/CFT program:• Develop and monitor BSA/AML/OFAC programs that ensure compliance with federal laws and regulations that govern the bank’s operations, including internal controls for bank-wide compliance• Administer annual BSA/AML/OFAC risk assessments to identify and evaluate the financial institution's money laundering and terrorist financing risks• Approve or sign off on tasks related to monitoring and reporting suspicious transactions, due diligence, implementing compliance programs, and submitting required reports to regulatory agencies, such as SARs and CTR exemptions• Identify and make recommendations to management concerning possible procedural changes for process enhancements and meeting changing regulatory requirements• Develop and provide compliance training and continuing education programs for specific functional areas within the financial institution, including attending personal banker and teller meetings• Review any potential regulatory issues or concerns and respond to BSA related questions from other departments

West Bend, Wisconsin, United States

Lead and supported a team of four BSA administrators to manage the AML/CFT program, which includes policies, procedures, and controls to detect and prevent money laundering and terrorist financing:• Conducted research by collecting, evaluating, and analyzing information and evidence from new and existing accounts• Verified the identity of customers and conduct CDD/EDD to detect and prevent the use of the financial institution's products and services for illegal activities• Examined all high-risk customers, MSBs, independent ATM operators, and other cash intensive businesses• Investigated 500+ suspicious activity monitoring alerts and referrals on a monthly basis• Monitored and reported suspicious activities to the appropriate authorities, as required by law• Maintained accurate and complete records of all transactions and customer information

Collaborated with Credit Compliance leadership and internal/external business units to develop and see to the implementation of new projects, key initiatives, and compliance programs for managing the Kohl’s Card:• Ensured strategic objectives of credit compliance are met, including execution of risk assessment activities, coordination of risk response and program testing and validation• Administered credit policies and takes part in an annual review of 100+ company policies and procedures that affect the operations of cross-functional teams within the organization• Managed 35+ preventive and detective controls and evaluates control monitoring metrics for monthly/quarterly/annual results• Coached control assessments team of 12 FTEs in the design and effectiveness of control testing and key metrics reported to banking partner, Capital One Financial Corporation• Developed operational risk assessments, identifies opportunities, and ensures operations adhere to regulatory guidance, compliance programs and service-level agreements• Reviewed and updated risk assessments, and assisted in setting expectations for regulatory issues that must be addressed by the LOB

Conducted third party vendor audits and due diligence for corporate governance and compliance with various regulatory requirements:• Evaluated legal, financials, information security, business processes, compliance, human resources, training, and quality assurance for control deficiencies that may violate contractual agreements, information security standard, applicable state and federal laws and regulatory guidance• Reviewed vendor audit deliverables, including SOC 2 Type I and Type II internal control attestation, ISO/IEC 27001 information security standard, physical security, disaster recovery testing based on RPO/RTO, pre-employment screening, termination processes, employee training, call monitoring and performance monitoring• Communicated with management board, business units, and vendors on the audit results, due diligence, and remediation to ensure action items are resolved in an efficient manner to mitigate risk with all applicable third-party service providers

Collaborated with the Vice President in the design and effectiveness of risk management, internal control, and governance processes for the FDIC-insured financial institution with over $1 billion in total assets:• Managed the implementation, integration and vendor relationship for Wolters Kluwer and the TeamMate audit management system (i.e., taxonomy, user permissions, project workflow and vendor due diligence)• Developed internal control documentation and efficiency testing included in COSO Internal Control – Integrated Framework for assessing significant financial reporting, technology infrastructure and entity-level controls for management’s assertion required under Part 363 of the FDIC's regulation• Performed ALM and IRR internal control auditing for corporate governance, policy compliance and risk measurement systems (i.e., ALCO, rate sensitive gap, MVE analysis, balance sheet mix, cash flows, ratios of liquidity and contingency planning)

Administered independent and objective assessments of the bank’s operations, compliance with laws, regulations, policies and procedures:• Led 15+ new audit engagements for a newly developed 3-year audit universe, incorporating areas of administration, compliance, deposit operations, finance, loan administration and technology• Conducted audits and defined inherent/residual risks based on policies and procedures, federal and state laws and regulations, financial accounting standards and interagency supervisory guidance

Maintained legal and regulatory compliance by researching regulations, communicating requirements to management and keeping business units updated with regulatory requirements:• Designated regulatory compliance and created new preventive and detective controls, partnering with Technology, Customer Service, Risk Management Operations, Card Operations, Finance and Marketing business units to ensure compliance with regulatory requirements for credit policy and underwriting, customer verification and due diligence, ACH and debit card payment processing and other customer servicing functions• Responded to Reg O, OFAC, BSA and AML Section 314(a) and 314(b) requests to mitigate credit portfolio risk, unauthorized accounts, fraud, suspicious activity and terrorist or criminal activity

Analyzed account information, credit data and financial statements to perform audits and assessments related to call center and customer support policies and procedures:• Developed new threshold month-end reporting and dashboards for self-assessment committee meetings, which contributed to an approximate 4% decrease in processing errors following the reporting integration• Performed monthly audits for the Call Center and Customer Support Operations with respect to regulatory compliance, internal policies and procedures (i.e., application processing, credit balance refunds, late fee waivers, credit bureau dispute investigations, SCRA benefits and Reg E dispute resolution)

Conducted calls with delinquent customers by phone to collect on past due accounts and settle accounts according to required policies and procedures:• Executed job responsibilities adhering to debt collection requirements covered under the FDCPA, with a high-performing 90-95% overall monthly collections scorecard, derived from dollar amount collected, adherence and quality assurance monitoring• Handled collection calls with 30-90 day delinquent paying customers to establish acceptable payment arrangements, recurring debits and payment programs on past due accounts (i.e., ACH, debit card and "promise" to pay)

Executive Leadership Certificate, Center For Professional & Executive Development

Certificate program for senior-level executives and advisers who are responsible for strategic initiatives across business units..

Graduate Banking School

25-month program incorporating lectures, bank simulations, projects, and case studies. The curriculum reflects trends impacting.

Bachelor Of Arts, Business Administration And Management

Pre-Business (Transferred)

Applied Associate Of Arts, Graphic Design