Oversees the U.S. Know-Your-Customer (KYC) Program for the 1LoD. Provides AML, ATF and sanctions advisory, governance and reporting and quality assurance (testing) services to the 1LoD. Acts as the embedded AML and advisors for the first line, supporting the capital markets and commercial banking business. Chairs the client risk management committee designed to effectively manage clients with heightened financial crime risk. Supports a number of financial crime risk assessment functions, including product risk assessment. Manages a team of 10+ including AML advisors, a QA testing function, and a governance and reporting (MIS, reporting, etc.) function. Thoughtful and energetic leader who takes pride in focusing on the personal and professional development of direct reports (has promoted >4 direct reports, etc.).

Justine oversees a payments review function, and sanctions advisory for the Bank’s capital markets business. Justine supports a number of Bank initiatives including the Banks’s ransomware payments compliance program, domestic screening and efficiency efforts, and other strategic sanctions projects. Justine also manages implementation of sanctions regulatory changes for U.S.-based initiatives.

Justine focuses on special initiatives in the sanctions space. She serves as an examination manager for all regulatory examinations and a liaison between audit, compliance testing and regulators, and the sanctions program. She serves as a project manager for a number of initiatives including implementing controls for sanctioned securities and domestic screening projects.

Justine served as a core member of the Consent Order Project Management Office (PMO) leading development of the Consent Order Action Plan and developing a PMO framework to administer the Action Plan. Justine served as the project manager for the Sanctions and Customer Due Diligence (CDD) workstreams ensuring adequate oversight, monitoring and tracking of milestones against the Action Plan and ensuring alignment with audit and regulatory expectations.

Justine lead BSA/AML and OFAC audits, serving as audit-in-charge and conducted system and model validations of AML, OFAC, and 314(a) systems. She worked closely with foreign correspondent financial institutions to align their AML and OFAC programs with U.S. law, reguation and industry standard practices in order to maintain or establish correspondent banking relationships with U.S. financial institutions. In addition, she focused on both internal and external fraud as it confronts financial institutions. Finally, she focused on vendor risk management, particularly as it relates to IT outsourcing.

Senior Consultant in the Regulatory Compliance practice in San Francisco, California. Justine has focused on regulatory compliance for both traditional and non-traditional financial institutions. Her recent experience includes a focus on financial technology firms (FinTech) and assisting firms in meeting payments, AML/sanctions and consumer compliance obligations. She has conducted AML/sanctions program reviews, payments compliance program reviews and gap analyses, and consumer compliance program reviews and testing.

Justine assisted in the project management of an AML/KYC remediation project, including developing procedures and forms, conducting account/customer reviews, conducting and leading Quality Assurance (QA) reviews and providing status updates to bank stakeholders. Justine contributed to the creation of a sustainable CDD department. She assisted with the review and development of AML program policies and procedures, developed a QA training module for the internal FIU, conducted testing of OFAC/sanctions/watch list screening protocols and systems and contributed to system re-design, tested and refined customer risk scoring methodologies, and conducted CDD related training on analysis and QA for bank employees.

Justine was a top producing KYC analyst of both individual and entity accounts. Her focus included enhanced due diligence (EDD) review of complex business ownership structures and review and interpretation of corporate formation documentation. She helped develop and manage escalation processes, contributed to the design and testing of a case management system, and tracked and reported team member productivity. She ensuring consistent quality of team deliverables and work products by overseeing a robust QA process. She also acted as a liaison between project management and bank stakeholders to report on process, and project status.

Legal Research and Writing – Conducts legal research at personal injury law firm. Assists extensively on pro bono criminal cases including drafting motion work. Works closely with attorney to analyze potential client’s claims. Drafts and responds to discovery requests. Coordinated service of process and filing of court documents. Client Communication – Responsible for client intake. Works closely with clients to ensure adequate record keeping, provides status updates, and schedules depositions.

Legal Research - Monitored events and trends on the financial markets, calculated client losses, drafted internal memorandums concerning client- related legal issues, reviewed client documents to determine possible legal claims, worked closely with attorneys to research possible and ongoing litigation. Client Communication - Drafted client retention agreements, declarations, complaint verifications, and case status letters, monitored status of cases to advise attorneys on need for client communications, communicated regularly with clients in person, via electronic mail, and on the phone regarding the status of their pending cases, settlements, document requests, etc. Marketing - Drafted press releases regarding current firm investigations of securities fraud and corporate mismanagement, assisted in creation of firm website, worked as primary liaison within firm for website and other external inquiries, designed marketing materials to highlight firm to potential clients.

Administrative Support - Schedule maintenance, maintained financial records, coordinated travel arrangements, translated from English to Spanish and Portuguese for patients. Research - Preformed medical research for physicians, proofed and edited publications and articles, researched and created various medical forms for use in clinical and out-patient facilities.