John Wiethorn Email & Phone Number

San Francisco, California, Us

Board appointed AML/BSA Officer.- Trains and advises the Board of Directors on BSA program health- Perform BSA / AML risk assessments to identify areas of high risk and develop internal controls and processes to mitigate associated risks- Leads the company's transaction monitoring program- Oversees AML compliance reviews with 3rd party partners and spearheads BSA/AML external audits- Reviews and revises BSA / AML / KYC and OFAC compliance policies and procedures based on regulatory requirements- Works with internal stakeholders to ensure enforcement of Gusto’s AML policy - Designs and leads BSA/AML training- Manages and matures the Suspicious Activity Reporting (“SAR”) process and ensure appropriate reporting to FinCEN- Manages the Global Sanctions review process and ensure appropriate reporting to the Office of Foreign Asset Control (“OFAC”)- Assists law enforcement / investigators with subpoena requests

London, Gb

Board appointed AML/BSA Officer for Wise US Inc. and Wise Canada Inc.Financial Crime Oversight Lead for North America- Serves on the financial crime risk committee and is the owner of the North America Financial Crime Risk Assessment- Provides training and regular updates on the health of the AML/BSA program to the board of directors- Sets AML/BSA policies for North America including internal standards for FinCEN SAR filings and related documentation - Supports the U.S. Compliance Officer in all regulatory matters related to financial crime compliance as well as communications with Wise's U.S. and Canadian banking partners - Investigates compliance escalations to the second line of defense and works with stakeholders to create and execute remediation plans when appropriate- Conducts reviews of risk assessments and provides approval for new products, features, partnerships, and market expansions - Advises the first line of defense as a subject matter expert on AML/BSA and OFAC compliance issues - Coordinates annual independent testing/audits of the AML/BSA program for TransferWise Inc. and TransferWise Canada Inc.- Leads projects at the direction of the Global Head of Compliance, including the digitization and expansion of compliance training as well as the establishment of the first internal second line compliance monitoring and testing program- Presents the AML/BSA program to regulators, auditors, and partners as part of both routine exams and discrete reviews- Oversees 314b program participation and serves as the company's point of contact- Evaluates readiness and certifies annual compliance with NYDFS 504 at the direction of the board of directors- Reviews and approves all TransferWise Inc. responses to law enforcement and criminal subpoena related requests

Chicago, Il, Us

Provided subject matter expertise in the area of Anti-Money Laundering and financial fraud investigations. This included FCPA, OFAC and/or PEP filtering systems, KYC file remediation, AML gap assessments, AML compliance monitoring, AML training and the review and preparation of SARs. Key Accomplishments:- Conducted an AML coverage assessment for the retail banking and wealth management operations of a large Canadian financial institution as well as their overseas operations in Latin America and the Caribbean- Completed Quality Control reviews of SAR filings and investigations of potential money laundering in a Team Leader capacity for a historical look back review of the US operations of a large foreign financial institution- Delivered ongoing training for AML project employees conducting investigations and drafting SARs- Prepared findings report for review by NYSDFS and C-Level executives of a large foreign financial institution- Drafted interrogatories for the compliance personnel of a large regional casino as part of an AML compliance risk assessment, to reduce reputational and regulatory risk to the client related to ongoing litigation

New York, Ny, Us

Conducted quality control reviews of SAR filings and other documentation to ensure adherence to legal and regulatory standards in addition to internal quality requirements for investigations, SAR filings, PEP and OFAC sanctions screenings. Key Accomplishments:- Developed and delivered new hire training for Quality Control team analysts, provided key insights into AML program vulnerabilities that led to procedural changes to reduce regulatory risk, and served as liaison to technical teams during launches of new quality control reviews of PEP and OFAC sanctions screenings- Functioned as a key contributor with demonstrated knowledge of AML/KYC issues, as well as broader functional knowledge- Reviewed client credit card activity, prepaid cards, deposit accounts, wire transfers, cash equivalent instruments, international and other online transactions- Created ongoing reports for review by C-Level executives, internal audit, and external regulators including the FRB, FDIC, OCC, as well as various state regulatory agencies

New York, Ny, Us

- Analyzed potentially suspicious financial activity including money laundering, terrorist financing, data breaches, identity theft, and other criminal activity, filed Suspicious Activity Reports (SARs) in compliance with the Bank Secrecy and USA Patriot Acts, conducted EDD investigations, PEP reviews, and negative news screenings.

New York, Ny, Us

- Fielded calls and conducted research and analysis on potentiality fraudulent activities including account takeovers, fraudulent transactions, and fraudulent applications for consumer, business, and corporate financial products, speaking with over 900 customers a month

- Served as counsel on four jury and 18 bench trials for criminal misdemeanor charges

- Director of a weekly free legal advice clinic for general civil litigation matters

- Responsible for all client communications and project management with over sixty active accounts at any given time as well as supervision of overseas programming teams in the Philippines

Arlington, Virginia, Us

- Conducted legal research and drafted memorandums on the Federal Tort Claims Act, military ethics and conflict of interest regulations, the Uniform Code of Military Justice, human resources guidelines, and environmental law

- Drafted three successful appellate briefs to the Nevada Supreme Court

New York, New York, Us

- Instructed courses in first aid, CPR, administering emergency oxygen, and defibrillator use to the general public and professional rescuers including firefighters, police officers and nurses

New York, Ny, Us

- Performed research and analysis on data trends and call volume for workforce management advisement needs including staff scheduling, personnel operations and training for more than 600 employees

- Performed in over 12 professional stage & film productions including 3 consecutive seasons with the Harlem Repertory Theatre - Reviewed by the New York Times- Taught as an Adjunct Instructor in Shakespeare at the City College Conservatory of Theatre Arts and Literacy teaching a college level course to over 15 students

Yountville, Ca, Us

- Managed and helped launch a new premier-location French-American restaurant, achieving New York Magazine’s prestigious Best New Restaurant of 2006 award- Supervised the day-to-day operations of over 30 employees, responsible for daily retail functions, customer feedback, employee training and management meetings

Juris Doctor (J.D.)

Ba, Political Science, Theatre