Support the AML Program at a $120 billion bank providing oversight and governance to Client Due Diligence (CDD) and Enhanced Due Diligence (EDD) Programs as defined within BSA/AML/OFAC Policy, including establishing and driving the strategic direction through enhancements, designing and maintaining the KYC Review protocol, referring relationships for closure and SAR filing.

Tested BSA quality control program at a financial institution including AML transaction monitoring quality, CDD/EDD review quality, alert dispositioning quality, and Watch List filtering quality.

Led Second Line of Defense quality control tests of remediated policies at a $110 billion bank.· Partnered with Enterprise Governance Risk and Compliance (eGRC) to test enhanced AML policies addressing regulator’s consent order and drove alignment with BSA.· Partnered with First Line stakeholders to recommend changes to address policy gaps.· Performed gap analysis versus regulator guidance/advisories to verify compliance.

Planned and led financial institution BSA/AML/OFAC audits and tests at Banks, Credit Unions, Money Services Businesses, Third-Party Payment Providers, and Card-Issuers.· Performed BSA Program and Risk Assessment audits, data validations, consent order lookbacks. Presented risk recommendations to senior bank leaders.· Gathered and analyzed reports to document inherent and residual risks.· Made recommendations to address procedure changes and policy gaps.· Identified BSA/AML/OFAC risks related to CDD/EDD, investigations, Watch Lists, alerts.· Supported institutions with consent order remediation, tracking, and regulatory guidance.·

Maintained control and oversight of the risk-based BSA EDD Program at a $50 billion bank.· Provided support implementing standardized KYC enhancements to remediate bank’s consent order and drove the strategic direction of the BSA requirement.

Supported BSA/AML/OFAC Risk Program by maintaining administrative control and oversight at a $4.5 billion asset bank (grown to $22 Billion through Pacific Premier Bank’s acquisition).· Collected data to enhance AML/OFAC Risk Assessment (RA) annually.· Participated with Chief Risk Officer to create and enhance policies and procedures.· Developed and issued bank-wide BSA risk communications including policy updates.· Point-of-Contact collecting documentation for internal/external audits, law enforcement requests, Suspicious Activity Reports (SARs), Currency Transaction Reports, FinCEN 314(a), and 314(b) communications. Tracked remediation action plans.• Maintained monthly KPI metrics and assisted preparing Committee and Board Reports.· Owned the Customer Risk Rating (CRR) model. Identified high-risk industry clients, assigned risk ratings, tested and tuned AML software, developed monitoring strategies.· Hired and mentored Financial Intelligence Investigators, approved contractor time cards.· Worked with technology team to tune AML and OFAC monitoring systems.· Led AML Sub-Committee meetings and presented recommendations to address gaps.· Assigned and tracked BSA/AML/OFAC compliance training completion.· Member of management integration team responsible for system and process integrations at 11 acquired banks into the legacy bank. Conducted due diligence on acquired client portfolios. Partnered with IT Analytics to consolidate acquired AML systems, supported mapping transaction data points to the legacy AML monitoring system.· Assisted in compiling quantitative results for Chief Risk Officer’s risk control matrix.

Volunteer Board Member, Southern California Chapter, ACAMS; 2012 Chapter of the Year Award

Provided administration and oversight a to a BSA/AML/OFAC Program at a $3.5 billion asset bank (grown to $15 billion) with 24 offices in 5 states prior to sale to Bank of Hope. · Collected data to enhance the BSA/OFAC Risk Assessments annually.· Participated in enhancing department policies and procedures. Maintained versions.· Prepared and maintained Wolfsburg Correspondent Banking questionnaires.· Principal contact for internal, external and regulatory BSA audits. Tracked remediation.· Owned Customer Risk Rating model. Developed monitoring strategies for 432 MSBs.· Administered AML system alerts quality, EDD review quality, case decision quality.· Coordinated enterprise BSA/OFAC training and conducted in-person branch training.· Led AML Sub-Committee meetings. Prepared/presented monthly BSA Report to Board.

Formerly Travelex Global Business Payments (TGBP). Developed and implemented a BSA program at a $24 billion cross-border payments FinTech MSB with 35,000 business customers in 14 countries and 1 million beneficiaries.Travelex Business provides global foreign exchange payments and receivables of domestic and international funds for corporations and third party distribution partners. Revenues for TGBP were $200 million with a normalized EBITDA margin of 30%.* Hired, mentored and trained Financial Intelligence Investigators. * Filed reports with FinCEN, FinTRAC, AusTRAC, UK Revenue and Customs, Swiss Federal Finance Administration.* Supported Financial Intelligence Operations

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