Luisa Franco, Cafp Email & Phone Number

New York, Ny, Us

Basking Ridge, New Jersey, Us

Board member on the Board of Directors for Affinity Federal Credit Union, a $4 billion dollar institution

Branchburg, Nj, Us

We help community banks create fintech partnerships that grow revenues and expand new customer segments without increasing their physical presence. Our years of experience in banking and fintech has enabled companies to decrease their time from partner selection to onboarding by 50%, limit the strain on internal resources, and gain innovative reputation in the industry.

San Francisco, California, Us

Clinton, Nj, Us

Rebuilt the Bank’s BSA/AML program in response to a regulatory consent order, resulting in a stronger regulatory standing for the Bank. • Led implementation of new BSA/AML processes that resulted in the deployment of BSA/AML across multiple operating units, including retail, lending, and operations. • Successfully passed independent audits with external auditors under the new program.• Actively participated in meetings as a key member of the Board of Directors BSA Committee and Audit Committee.• Developed new and effective procedures for CDD/EDD, case investigations, SAR filings, and governance.

New York, Us

Developed Aliya’s compliance strategy and infrastructure, including:- Developed and enhanced compliance strategy and roadmap- Enhanced existing policies and drafted new policies- Lead the dissemination and training of policies to staff- Monitor regulatory climate for impact on the business and ensure appropriate changes are made- Developed and manage Aliya's Third Party Risk Management programOwn the development and delivery of the compliance monitoring plan:- Oversee and monitor key regulatory risks and ensure appropriate escalation- Identify and escalate risk exposures on a timely basis and ensure action plans are in place to address the risks- Oversee and monitor risks arising from new products and ensure these risks are managed in line with risk appetite and policyDeliver clear, timely, independent and pragmatic expert regulatory advice and guidance to the Aliya team:- Engage with product design and approval processes, providing review and challenge to new and existing product development- Ensure Regulatory Risk is managed in line with Aliya’s risk appetite and policy Lead the Compliance team:- Oversee the work of two analysts and take responsibility for their ongoing development- Build the team in line with the growing requirements of the business

Woodbridge, Nj, Us

Hamilton, Nj, Us

- Implemented and maintained the Bank's compliance management system- Performed monitoring reviews to ensure compliance with federal and state regulations - (lending - RESPA, TRID, Reg Z, Flood, HMDA) (deposit - Reg E, Reg D, Reg CC, Reg DD) (UDAAP and Fair Lending)- Completed annual compliance risk assessment and reviewed risk assessments throughout the Bank- Lead training initiatives as Training Coordinator - Prepared and presented reports to Board Compliance and Audit Committees on status of compliance-related activities- Managed the Enterprise Risk Management program - Enhanced and implemented the vendor management program- Designated project manager for mergers and acquisitions (due diligence and integration planning)- Leader of project team of 20+ employees to drive culture change while increasing employee awareness and understanding of our business and talent objectives, policies and programs- Tasked with developing a bank-wide communications strategy

New York, Ny, Us

- Provided risk management support to countries in EMEA region - Performed due diligence on risk assessments completed by countries and develop trending- Provided compliance guidance around AML, FCPA, Privacy- Provided risk management support to countries in EMEA region- Developed and deployed a global Payment Card Industry (PCI) governance model and compliance guide- Assisted in the development of a global remediation strategy related to PCI with consideration to budget and resources- Established a global communication strategy to inform of upcoming regulation changes and risk management activities

New York, Ny, Us

My primary role was to develop & execute compliance oversight program for Long Term Care, Critical Illness, Dental and Government Contracts. I reviewed business processes to ensure policies are followed accordingly. In addition, I performed annual testing/monitoring of key compliance risks and communicated testing results and risk assessments with management and business partners. I worked with business lines in developing action plans to resolve issues and risks. Lastly, I reviewed and participated in New Laws & Regulation meetings with businesses to ensure compliance.

New York, Ny, Us

• Managed a small staff which performed lending investigations and monitoring. • Assisted team members to become more versed in investigative techniques. • Participated in several committees and worked one-on-one with various business leaders. • Conducted fraud reviews/investigations on Reverse Mortgage and Forward Mortgage loan files. • Completed monthly and quarterly reports for Senior Management and Audit Committee. • Developed and administered training seminars on mortgage fraud and regulations for loan officers, underwriters and processors.

Santa Ana, Ca, Us

• Directed the organization’s BSA/AML compliance monitoring program• Provided assistance on BSA/AML compliance reviews as they are performed by department personnel as a means of validating the compliance efforts of various operating units within the organization• Oversaw all functional areas with respect to suspicious activity investigations• Made final decisions on possible suspicious activity and ensured all Suspicious Activity Reports (SAR) were filed accurately and in a timely manner• Conducted the process for daily monitoring of potential OFAC matches and made final determination of OFAC list “hits”• Performed monthly audits on accounts to identify compliance with CIP policies• Directed the BSA/AML compliance training process and participated in training as required• Completed preparatory work prior to BSA/AML regulatory examinations of the organization• Maintained the BSA/AML policy and development of and/or changes to procedures of various operating units to ensure BSA/AML compliance issues have been adequately addressed• Acted as an advisor in new product/service development to ensure BSA/AML compliance risks were identified and addressed• Performed analytical reviews studying current and long-range BSA performance of the organization, proposed solutions to any problems and communicated such issues at Senior Management levels

Manhattan Beach, Ca, Us

• Implemented and administered all aspects of the Bank Secrecy Act Compliance Program• Assisted with establishment of operating/BSA related policy and procedures• Performed quality control reviews to ensure compliance efforts are performed daily• Developed, implemented and maintained training scripts/modules on regulations related to Bank Secrecy Act• Assisted in the implementation of anti-money laundering software• Conducted BSA/AML training for new hires and managers/supervisors of retail operations

• Performed due diligence on high risk accounts, politically exposed persons (PEPs), Senior Foreign Political Officials, foreign businesses/entities, and Charities/Non-Governmental Organizations (NGOs) to insure compliance with regulatory guidelines including Bank Secrecy Act and USA Patriot Act.• Performed quality control and analysis of client records including bank statements and transaction details• Reviewed and assigned levels of risk for each customer• Worked with third party audit team to review Know Your Customer (KYC) documents as well as Relationship Summaries as completed by Bank Officers to determine if all account profile information is accurate, detailed and commensurate with BSA/AML guidelines.• Reviewed Subpoenas as well as Suspicious Activity Reports (SARs) for accuracy and made additional recommendations as necessary for SAR filings• Educated Compliance Officers on procedures for account remediation including performing Enhanced Due Diligence

Us

• Reviewed and researched daily security reports for BSA/AML compliance• Monitored and performed risk analysis on high risk accounts• Assisted with bank-wide security issues and breaches such as bank robberies• Investigated cases of suspected customer and employee fraud• Prepared and filed Currency Transaction Reports and Suspicious Activity Reports • Ensured timely training of staff throughout organization and provided counsel on BSA/AML and OFAC matters