Analyze complex digital payments issues, develop risk mitigation strategies and related compliance programs to ensure alignment of executive business priorities. Engagements include: Interim U.S. Chief Compliance Officer (CCO), PostFi USA • Built from scratch and implemented US compliance program and related policies and procedures for Bank Secrecy Act (BSA), USA Patriot Act, Anti-Money Laundering (AML), sanctions & export controls, anti-bribery & corruption (ABC), and data privacy compliance, while aligning with global operations for regulated blockchain technology company specializing in Banking as a Service (BaaS) products, including blockchain-based global settlement, crypto payments, digital wallet, and payment gateway services. • Executed Federal registration and U.S. State money transmitter licensing (MTLs) strategy & application requirements in target markets.• Conducted cross-functional, technical compliance product reviews and developed financial crime controls for U.S. and global PostFi products with key stakeholders.

Strategic hire to assess, design, and implement firm’s first FinCrimes compliance framework for its cyber security platform and scale related global payments for ethical hackers.• Coordinated with internal and external counsels to risk assess an FCC program commensurate with business strategy; designed and implemented a FinCrimes compliance program from scratch while addressing 10 years of business operational risks.• Served as a critical leader in the compliance organization, including hiring, mentoring, developing, and leading strategic and daily workflow of 8 Directors and analysts in the new FinCrimes Compliance Unit.• Defined strategy for and led in commercial negotiations with partners, customers, and other stakeholders by contributing to key target customer retention and expansion goals. • Worked closely with product, security, engineering, and legal teams to design, develop, and implement new products, services, business practices, platform processes and features compliant by design to global regulatory and our own risk-based standards.

Developed a Group governance, risk, and compliance program that facilitates growth while safeguarding assets for the San Francisco-based, FinTech startup. Efforts positioned company for Series C of $100 million & B of $30 million, with investors Ribbit Capital and Bezos Expeditions, Jeff Bezos personal VC fund.• Crafted an AML/CFT framework to mitigate platform risk for domestic and cross-border, peer-to-peer (P2P) mobile payment products/services in the markets served (Africa, UK, EU, US).• Developed relationships and work with key partners across product, engineering, data science and business teams to effectively manage platform risk programs. Provided AML advisory guidance and framework requiring risk assessment, identification of dependencies, prioritization of workflows. • Designed a comprehensive risk & compliance program, including Board reporting and escalations; data cleansing, lookback and remediation requirements; design of an FIU, end-to-end AML architecture mapped to the program, including but not limited to fraud mitigation, KYC onboarding, watchlist screening, transaction monitoring, and AML data and blockchain analytic capabilities; and the staffing, and training of 45+ professionals.

Spearheaded U.S. compliance for a global, regulated, virtual currency exchange startup. Efforts helped prepare the firm for sale to NXMH, a holding company based in Brussels with more than €2 billon of assets under management.• Created U.S. compliance program (BSA/AML risk assessment; policies and procedures; executive, internal and regulatory reporting; training; preparation of State MTLs).• Recognized by Financial Crimes Enforcement Network (FinCEN) Director for compliance team’s “substantial contributions through BSA reporting.”• Provided Executive/C-Level Management and Board consultation on governance and key risk indicator via compliance reporting and metrics, including issue escalation and recommendations.• Conducted technical compliance product reviews for crypto business development.

Served as a trusted partner providing AML advisory services that enable digital payment growth and safeguard assets while addressing Digital Banking Consent Order-related issues.• Designed a global, digital compliance framework, including BSA/AML/Sanctions risk assessment, policies, procedures, transaction monitoring, customer due diligence (CDD), and enhance due diligence (EDD), implemented in 150+ presence countries.• Chaired Product Approval Risk Committee that assessed and approved all new or modified consumer and commercial digital products (payment platforms; mobile payments, mobile wallets, mobile apps; credit cards, tokenization; virtual prepaid, reloadable and nonreloadable prepaid cards; Internet payments).• Maintained Digital AML Advisory oversight for $3T in daily business and $9T on peak days, including $115B in commercial and retail mobile payment products.• Selected by the Office of the Comptroller of Currency (OCC) to lead mobile payments training for bank examiners.

Led project teams in developing and delivering new business for the Firm’s Financial Intelligence (FININT) Center of Excellence and Commercial Compliance verticals. Select Engagements Included:• Developed FIU Special Investigations Section. Enhanced investigative policies and procedures for a Top 5 global bank under $2 billion Consent Orders by addressing the highest-risk business lines (embassy, correspondent, and private banking), with processes for Board/Executive escalations and decision options.• Spearheaded creation of the first, end-to-end intelligence and client delivery process for a Cyber Fusion Center (CFC). This included training and managing the work streams of 45+ financial intelligence managers and analysts. Innovated leveraging FININT methodologies combined with state-of-the-art data analytics tools, such as Palantir, while training the AI/ML platform for financial crimes and threat finance.

Assigned to the Director’s Office, I performed a lead role in the Special Projects Unit developing investigative manuals, payment studies, and training to equip FinCEN’s law enforcement, regulatory, intelligence, and policy maker clients with a strategic and operational understanding of payment systems and mechanisms, including vulnerabilities for criminal and/or terrorist misuse. I strengthened the global exchange of information with other Egmont Financial Intelligence Units and international organizations using all-source intelligence and: • contributed to Financial Action Task Force (FATF) and Egmont financial crime typologies on emerging payment methods.• representative on the Bank Secrecy Act Advisory Group (BSAAG), a federal and state consortium of regulatory, law enforcement, and financial industry participants.