Hayley Howe Email & Phone Number

Vancouver, British Columbia, Canada

Vancouver, Canada Area

Providing AML/ATF consulting and advisory services to all industry sectors with reporting obligations under the PCMLTFA and Regulations and the Quebec MSB Regulations. Services include assistance with regulatory reviews/auditsReview and assessment of requirementsEffectiveness and efficiency reviews.

• Directed compliance operations for 30 countries, including Canada, receiving satisfactory internal and regulatory examinations in a variety of diverse regulatory environments.• Balanced compliance and operational risks with aggressive business goals in a fast paced and dynamic entrepreneurial business environment resulting in successful revenue streams. • Liaised with regulators and central banks in the regions to discuss compliance issues and recommended program changes to the benefit of all parties.• Provided leadership and guidance to managers and staff at various levels in delivering and/or effectively supporting compliance programs, processes and procedures as well as accomplishing compliance goals and strategies resulting in increased oversight including increasing reviews by 200% while maintaining staffing levels.• Developed, implemented and enforced policies, procedures, and programs to minimize potential ML risk including a comprehensive Know your Agent policy and Agent Review policy which has been adopted as the global standard within the company.• Addressed and solved complex issues escalated from team or business and provided AML compliance advice on a timely basis to support business.• Relationship building with team, business and Regulators/Law enforcement. Motivated the team to achieve common short and long term goals and objectives for the success of the overall business.

Responsible for directing and overseeing the AML Functional Unit for Canada. Provides leadership and guidance to managers and staff at various levels in delivering and/or effectively supporting compliance programs, processes and procedures as well as accomplishing compliance goals and strategies.Develops, implements and enforces policies, procedures, and programs to minimize potential ML risk.Addresses and solves complex issues escalated from team or business and provides AML compliance advice on initiatives and projects.Relationship building with team, business and Regulators/Law enforcement.Motivating team to achieve common short and long term goals and objectives for the success of the overall business.

Vancouver, Canada Area

Responsible for managing and overseeing the Canadian AML Compliance program and consumer protection efforts. Provides AML Compliance support to agents of Western Union and it's affiliates to ensure compliance with AML laws as they apply to MSBs in Canada. Supervises regional compliance staff supporting the Canadian program. Evaluates internal controls and AML programs for agents through risk based controls. Responsible for building relationships with Regulators and internal departments to meet AML compliance goals. Represents Compliance on project teams and manages compliance projects as needed.

Managed day-to-day operational functions of the AML Team, including risk assessments, training, special projects, investigations, regulatory filings and operational business support for AML issues. •Performed annual risk-assessments for a number of business units. Based on outcomes partnered with business management to develop and follow-up on reasonable and practical action plans. •Managed a team of compliance professionals who were responsible for investigations and reporting. •Coached and supported branch staff with regards to compliance requirements and operational policies and procedures. •Focused on delivering quality, timely, accurate advice to business partners and received business partner survey results in the top 5 of over 49 supporting functions within the Bank Developed training materials for the investigative process for use with the upgraded activity monitoring system. These training materials have been adopted and rolled out globally across the HSBC group in various countries.•Spearheaded implementation of enhanced AML legislative requirements across all business units of the organization. •Reviewed AML processes for off-shoring. This large project required the development of process flows, system changes, training materials and training of off-shore staff. All processes were migrated successfully and the team reached “Business as Usual” status in 3 months, approximately 6 months ahead of schedule. •Performed compliance reviews of high risk business areas and worked with business management to implement corrective action.•Managed the project to develop content for targeted on-line training of AML procedures. This was implemented across all business units of the organization. As part of the initiative, structured reporting of completion and success results were reported which had not been available in the past. Completion rate for all business units was 100% within the defined training period.

Position was responsible for development and maintenance of all deposit based financial products including chequing and saving accounts, term investments, principle protected market linked investments, and registered products.Worked with a global team to design and implement the first global product suite recognized across the HSBC Group regardless of location. Developed training for staff and delivered training across the country to support the product.Designed and implemented 3 principle protected stock market GIC products to meet the changing needs of investors in a low interest market environment. Deposits of 1st tranche exceeded projections by 50%. Designed and delivered communication strategy and training across the country to support the product launch.Led a project to develop the first electronic based account introduced by HSBC and began the shift from branch service to more profitable channels.Designed and launched customized packages of products to attract profitable business to the Bank. Realized a take up of over 80% of the audience targeted.

Anti-Money Laundering

Activities and Societies: Completed CAMS certificate Aug 2012

Canadian Securities Course

Activities and Societies: Completed CSC

General Studies

Chief Compliance Officer Qualifying Exam

Passed CCO Qualifying Exam May 2011 (Honours)