Conducts annual BSA/AML/OFAC risk assessments for the deposit products group (DPG) with products. Implements financial crime policies for global remittance services, debit/prepaid products, and consumer and small business deposits. Manages UAR filings and account closures. Approves onboarding of prospective partner expansion, evaluates AML programs, and leads AML compliance programs. Reviews project definition documents and business requirement documents, part of global remittance services projects. Assesses DPG product risks . Supports risk initiatives associated with BSA, AML, OFAC and oversees non-customer relationship-managed businesses influencing consumer banking.Averted $100 million in potential fines and OFAC violations by ensuring products offered to corporate banking customers received proper monitoring and screening against sanctioned entities listed by the US Treasury’s FinCEN and OFAC. Realized $180 million on average after performing ongoing customer due diligence (CDD) on international remittance partners, including foreign correspondent customers and third parties/money service businesses with agents throughout Latin America and Asia. Averted multimillion-dollar fines by conducting transactional analysis on consumer banking customers under Section 314(b) of the USA Patriot Act, approving customer removal from third parties’ internal lists to block further transactions, and filing unusual activity referrals (UAR) when warranted.Approved $50,000 average monthly closure of consumer banking remittance agreements after conducting detailed financial transactional analysis with searches of on-file suspicious activity reports (SARs).Accomplished $25+ million by executing from three to four site visits annually to meet and review documentation of new remittance partners to ensure compliance with AML standards.Decreased risk 15% after drafting corrective actions or risk acceptance documents for operational risk issues impacting Wells Fargo’s CSBB teams.

Held a critical role in policy development, implementation, and maintenance. Forged relationships with the financial crimes risk management (FCRM) office, legal department, and vital financial crimes stakeholders. Guided three people, adhered to a $120,000 yearly budget, and conducted emerging risk research activities. Performed quality reviews of UARs filed by Wells Fargo’s contact centers and provided recommendations for BSA/AML training requirements, reporting ongoing progress to the business risk and control senior manager.Built 50+ relationships by identifying business customers engaged in prohibited or illegal business practices via analysis of SARs filed by merchant service providers on behalf of Wells Fargo.

Supported international wholesale banking needs of commercial and corporate customers, focused on compliance and operational risks of commercial bank expansions in other markets across the Americas, Asia, and Europe. Provided reporting expertise to the Financial Transaction and Report Analysis Centre of Canada (FinTRAC), which included third-party cross-border payments. Deployed operational initiatives through risk and control self-assessment (RCSA) initiatives.Reported to the head of the global expansion team. Partnered with technology, compliance analytics, treasury operations, risk, project management, and other compliance teams. Liaised with compliance and operational risk groups to secure coverage and meet the requirements of the US and country-specific regulatory requirements as part of international branch rollouts and system implementations for trademarked products. Reviewed and approved CBs, PDDs, BRDs, and functional specification documents for compliance requirements.Mitigated four AML compliance risks after overseeing global platform implementation for treasury management functionalities, which necessitated a review of these issues.Averted potential fines from US regulators by completing comprehensive reviews of AML/BSA policies for treasury management products applicable to Wells Fargo’s foreign branches, including filings of policy exception requests to the FCRM governance office.Launched treasury management products by administering product risk assessments via wholesale product and service risk management systems verifying product pilots or go-to-market with necessary elements for impacted lines of business to meet expectations for the Wells Fargo branch located in Toronto, Canada.Secured higher impact for the senior leadership within the group by arranging and facilitating bi-monthly town hall meetings for the commercial bank compliance team and acting as the go-between for regulator and law enforcement guest speakers.

Performed risk reviews of financial transactions of foreign banks per the AML Regulations and Bank Secrecy Act, filed UARs, and collaborated with financial crimes investigations panels to evaluate typologies and emerging risks. Instituted interim checks and US dollar drafts monitoring program for Canadian FIG customers, including hiring a dedicated resource for monitoring manual transactions. Mentored a team of four, administered a $240,000 annual budget, led special risk projects, and generated enhanced due diligence reviews. Oversaw an OFAC-related project with Wells Fargo’s Global Sanctions Office, a detailed analysis of US dollar drafts drawn on correspondent accounts resulting in items payable to specially designated nationals and blocked persons (SDNs). Initiated remediation plans for the first version of the risk action management planning system (RAMPS) to track action items, enhance due diligence reports follow-up, and other risk management tasks. Reported to the head of compliance, financial institutions. Collaborated with the FIG compliance testing teams.