Build a comprehensive Compliance Financial Crimes, Anti-Money Laundering (AML), and Bank Secrecy Act (BSA) program. Oversee the development of all essential program components, processes, policies, and procedures, with unwavering adherence to regulatory and banking standards. Maintain full transparency during internal and external audits while securing partner approvals.1. Strategic Program Development: Successfully led the creation of a robust Financial Crimes, AML, and BSA program2. Regulatory Compliance: Ensured rigorous compliance with relevant regulatory and banking prerequisites, safeguarding the organization against potential risks and penalties.3. Risk Assessment Expertise: Pioneered the establishment of effective Financial Crime-AML-BSA Risk Assessment processes, consistently identifying and mitigating risks.4. Independent Testing: Established periodic independent testing by both internal audit and third-party entities, evaluating program adequacy and effectiveness.5. CIP and KYC Enhancement: Gap analyses and enhanced Consumer and Merchant procedures, ensuring standardized data collection and process improvements.6. PEP Monitoring and OFAC Compliance: Implemented Politically Exposed Persons (PEP) monitoring and seamless OFAC compliance in customer intake and continuous monitoring.7. Beneficial Ownership Implementation: Successfully designed and executed Beneficial Ownership processes, bolstering due diligence capabilities.8. Transaction Monitoring: Implemented robust transaction monitoring systems across diverse portfolios, efficiently detecting and mitigating suspicious activities.9. Unusual Activity Detection: Established protocols for identifying and reporting unusual activities10. 314 Information Processing: Streamlined 314 Information request handling, ensuring timely and precise responses to regulatory demands.11. Team Building: Integrated specialized teams for Financial Crimes, AML, and BSA investigations, for a comprehensive program

Oversee Fraud and Risk departments with strategic creation and ongoing development of critical mitigation strategies and functions.Areas of Focus and Oversight:Investigations Unit:-Suspicious Activity Identification and Review: Identification and review suspicious activities, implementing red flag protocols, and conducting Customer Identification Program (CIP) with Know Your Customer (KYC) and Enhanced Due Diligence (EDD) investigations.-Complex Fraud Discovery and Ring Analysis: Spearheaded the detection of complex fraud schemes through in-depth ring analysis.-Account Takeover Fraud: Designed and implemented strategies to combat account takeover fraud.-Identity Theft Investigations: Led investigations into identity theft cases to safeguard both our customers and our organization.-Law Enforcement Requests and Legal Compliance: Ensured strict compliance with law enforcement requests.Suspicious Consumer Reports Unit:-Consumer Reported Fraud: Managed cases of consumer-reported fraud and ensured timely resolution.-Identity Theft Reports: Investigated and resolved identity theft reports while maintaining regulatory compliance.-Suspicious Patterning: Identified and addressed suspicious patterns in consumer behavior.-Merchant Risk Reports and Analysis: Conducted thorough risk assessments and analysis of merchant activities.Merchant Fraud, Compliance Oversight Unit:-New Hire Sales Training: Provided comprehensive training on Financial Crimes, Fraud & Risk-Merchant Inactivation: Oversee merchant inactivation processes -Internal Investigations: Conducted internal investigations to maintain organizational integrity.-Portfolio Profitability Analysis: Analyzed portfolio profitability and investigated performance-related issues.-High-Risk Items Monitoring: Implemented monitoring for high-risk items to mitigate potential threats.-Financial Crimes Investigations: Led investigations into financial crimes to protect the organization's assets and reputation.

As a seasoned professional in the field of Fraud & Risk Operations I established the Fraud department and Dispute department from the ground up within a rapidly growing Fintech finance company. My role was instrumental in identifying risks associated with our diverse product offerings and implementing a comprehensive framework for fraud detection, prevention, and resolution.Key Achievements:Establishment of a New Department: Create a fully functioning Fraud & Risk Department from scratch. This involved assembling dedicated teams and defining the department's core functions and objectives. Establishment of all core essential workstreams to address all aspects of the company with a regulatory and compliance focus.Risk Analysis and Mitigation: My responsibilities encompassed identifying potential fraud and risk areas across various touchpoints within our organization. I developed and implemented strategies to proactively mitigate these risks, ensuring minimal impact on our operations.Innovative Solutions: Leveraging analytics and investigative techniques, I contributed to the development of innovative solutions to address core deficiencies in our fraud prevention efforts. This involved continuous monitoring and adjustment of strategies based on emerging trends and threats.Fraud Concept and Roadmap: I conceptualized and executed the roadmap for Fraud & Risk detection and prevention strategies. This comprehensive approach aimed to minimize losses and enhance dispute resolution processes, fostering a more secure and efficient environment.Collaboration and Forecasting: I closely collaborated with cross-functional business partners and leaders to align our strategies with the company's overall objectives. This collaborative effort also involved forecasting for new product verticals, ensuring that risk management was integrated into our expansion plans.

Specializing in High-Risk Portfolio AnalysisAs a Financial Crimes Consultant, I specialize in meticulously analyzing high-risk portfolios to identify unexplained significant financial losses. My expertise lies in conducting in-depth analyses of algorithmic inaccuracies, meticulously reviewing transactional trends, and uncovering overlooked or missed fraudulent markers.- Pattern Analysis: Conduct comprehensive analysis of financial patterns within high-risk portfolios.- Algorithmic Accuracy: Identify and rectify inaccuracies within algorithms to enhance detection capabilities.- Fraud Marker Identification: Meticulously uncover and address missed or overlooked fraudulent markers.- Bad Actor Classification: Categorically identify and classify known bad actors, contributing to systemic changes in modeling.- Systemic Enhancements: Provide insights and opportunities for systemic changes to bolster fraud detection and prevention.Professional Impact:My work goes beyond identifying issues; it paves the way for specific attributes and opportunities that drive systemic changes, ensuring robust financial modeling and enhanced risk mitigation strategies.Philosophy:Committed to maintaining the highest standards in financial integrity, my approach involves continuous learning, staying ahead of emerging threats, and contributing to a secure financial landscape.#FinancialCrimes #RiskManagement #FraudDetection #AlgorithmAnalysis #SystemicChanges #ConsultingExpertise

Passionate Part-Time Teacher | Educator at Hawthorn AcademyDedicated part-time teacher at Hawthorn Academy, a certified International Baccalaureate (IB) School operating across two campuses. I specialize in educating students across various curricular subjects from Kindergarten to ninth grade.- Subject Expertise: Well-versed in all subjects of instruction from Kindergarten to 9th grade.- Ethical Learning Environment: Establish an evenhanded and ethical atmosphere for all students.- Lesson Plan Adherence: Proficient in working with established lesson plans.- Versatile Instruction: Employ a variety of instructional methods and adapt quickly to diverse learning needs.- Flexibility:Embrace adaptability to new environments and approach students as unique individuals.- Behavior Management: Quickly assess and effectively handle misconduct in the classroom.Committed to fostering a positive and inclusive learning environment, I believe in tailoring instruction to meet the diverse needs of students. My adaptability, ethical approach, and quick problem-solving contribute to a productive and engaging classroom experience.

Global Asset Protection Professional | Financial Crimes Expert | Law Enforcement LiaisonPivotal role in the detection, prevention, and investigation of criminality, fraudulent transactions, and abuse against PayPal Holdings and its users. With a focus on financial crimes, I served as the primary North America Liaison for law enforcement authorities, providing crucial support in data requests, investigations, and court proceedings.Key Responsibilities:- Law Enforcement Liaison: Primary contact for law enforcement authorities and internal inquiries regarding Financial Crimes in North America.- Custodian of Records: Testified in over 100 judicial proceedings, serving as the Custodian of Records for PayPal Holdings.- Subject Matter Expert: Trusted expert for PayPal's adjacency companies, addressing corporate compliance, regulatory handling, and Criminal investigation testimony training.- Acquisitions Integration:Lead the integration of new adjacency acquisitions into PayPal Global Asset Protection.- Investigation and Analysis: Conduct comprehensive investigations and analysis of financial criminal conduct, fraudulent transactions, and abuse on PayPal and its subsidiaries.- Intelligence Gathering: Collect and disseminate written and verbal intelligence on current and future threats.- Operational Efficiency: Develop and implement best practices, tools, resources, and procedures to drive operational efficiency.- Training and Outreach:Conduct outreach training with internal and external business partners, emphasizing best practices and threat awareness.- Collaborative Project Execution: Analyze and execute complicated scenarios, training programs, and adjacency integration projects.Professional Impact:My work not only addresses sensitive internal investigations and external escalations but also contributes to the broader cybersecurity landscape as a regular attendee of the FBI Cyber Task Force and FBI Cyber Crime Symposium.

As an accomplished professional in eBay Inc.'s Global Law Enforcement Operations and Government Relations, I am dedicated to safeguarding eBay Inc. and its subsidiaries, including marketplaces, PayPal, Venmo, and multiple classified sites against potential criminal activity. With a focus on corporate-level responsibilities, I am the Official Custodian of Records, ensuring legal compliance for criminal matters involving eBay, PayPal, and its subsidiaries.My expertise extends to extensive investigations, fraud analysis, and proactive measures to identify and address potential company liabilities. I have a proven track record in working closely with local, State, Federal, and International Law Enforcement agencies, retailers, financial institutions, and industry peers. I serve as the primary contact for Law Enforcement regarding criminal investigations, providing legal compliance, court orders, and certification of official company records.Key Responsibilities:- Official Custodian of Records, ensuring legal compliance for criminal matters.- Conducting thorough investigations and fraud analysis.- Proactive identification of fraud trends and potential liabilities.- Providing courtroom testimony on behalf of eBay Inc.- Conducting outreach training and presentations for internal and external partners.- Liaising with the Law Enforcement community.- Asset recovery and restitution efforts.- Utilizing tools such as Westlaw, LexisNexis, Fast Data, and TLO for background checks.- Training in interrogation and interview techniques (Wicklander-Zulawski).- Overseeing undercover law enforcement accounts.- Interviewing and new hire onboarding.With a comprehensive understanding of corporate-level responsibilities, including fraud, risk mitigation, compliance, and legal aspects, I am committed to delivering optimal results in the dynamic landscape of global asset protection.

As a seasoned professional specializing in Compliance and Risk Management for Merchant Performance and Fraud Investigation at eBay Inc. and PayPal, I bring a wealth of experience in assessing high-risk accounts and conducting thorough analyses. My expertise lies in evaluating multi-channel activities, including selling ratios, price points, fulfillment, and customer feedback, enabling me to identify trends and behaviors that contribute to effective risk mitigation.Key Highlights:- In-depth analysis of records, supplier information, and inventory to assess business liabilities.- Utilizing third-party platforms for comprehensive background analyses.- Skilled in remediation planning and implementing site-specific policies to minimize loss.- Handling executive escalations promptly and effectively.- Contributing to onboarding, employee interviews, and skills training.- Conducting compliance peer reviews and risk evaluations I am dedicated to data analysis, strategy development, and issue resolution. Committed to excellence and integrity, I understand the intricacies of corporate-level responsibilities, including fraud prevention, risk mitigation, compliance, and legal considerations.

In my journey at eBay, I've traversed various divisions, contributing significantly to Compliance & Risk Management in Trust & Safety. During the startup phase and initial team developments, I played pivotal roles in shaping procedures and policies that adapt to the ever-changing complexities of the online marketplace industry.Key Responsibilities:- Listing Practices: Focused on ensuring eBay auctions adhere to proper listing policies and compliance.- Banned Items: Led reviews of auctions designated as unsuitable for listing on eBay platforms.- VeRO Program: Collaborated with copyright owners to ensure eBay's compliance with copyrights on active auctions.- ProActive Fraud: Conducted reviews of high-risk auctions, developing strategies for proactive fraud prevention.- Membership Termination Appeals: Engaged with suspected high-risk members post-service halt or account suspension, addressing concerns, alleviating suspicious activity, and assisting members in regaining access to marketplace platforms.My expertise lies in policy enforcement, risk management, and collaborative problem-solving. I am adept at navigating the dynamic nature of start-up environments, fostering team development, and crafting adaptive procedures to meet the challenges of an ever-evolving online marketplace. Committed to upholding the highest standards of compliance and customer satisfaction, I thrive in environments that demand flexibility and innovation.

As the Owner/Partner and Operations Manager of a dynamic Security and Investigations company, I have successfully established a robust suite of armed and specialized services. With a strategic focus on providing contract and patrol protection services, I've played a key role in ensuring the safety of individuals and properties throughout the Salt Lake Valley.Key Achievements:- Strategic Expansion:Coordinated the expansion into limousine and car services, integrating personal protection for high-value clientele with the utmost discretion.- Comprehensive Oversight: Led full oversight of operations, including hiring, training, scheduling, and client relations.- Administrative Excellence: Managed standard administrative tasks such as payroll, employee handbook development, establishment of company policies, and marketing.- Regulatory Compliance:Ensured strict adherence to all licensing requirements, conducting comprehensive risk reviews for security needs and contract terms.- Client Satisfaction: Maintained vigilant oversight of client concerns and escalations, addressing issues promptly and effectively.Security & Operations Expertise:- Armed Security Officer: Licensed with the State of Utah, certified in the use of PR-24 and ASP, and received tactical takedown training.- Personal Protection:Provided personal protection to high-value clients while overseeing general operations responsibilities.- Use of Force Training:Familiar with appropriate use of pepper spray and trained in the escalation of force.- Transportation Certification: DOT and CDL certified with additional endorsements at the time.Philosophy:Committed to the highest standards of safety and security, my approach blends strategic planning, operational excellence, and a dedication to meeting the unique needs of high-value clientele.