Michael Mcintosh Mba, Crcm, Cams Email & Phone Number

Dallas, Tx, Us

Dallas, Texas, United States

Managed and trained new BSA analyst to ensure 314(a) searches, alert decisioning, case management and SAR referrals were completed in a timely manner and had sufficient documentation to support conclusions.Conducted a vendor management review of three AML software platforms with supporting implementation costs, staffing analysis impact and ROI calculations to select new vendor for the BSA department.Led project management of new AML software Abrigo BAM+ by working with internal and external stakeholders to create data feeds, validate transaction codes, and test the software functionality. Results and workpapers were properly documented prior to implementation.Managed review of customer due diligence questions on onboarding forms to ensure risk rating is properly conducted at account opening with expected activity ranges.Worked with senior managers to report account activity that was not commensurate with stated business type and provided recommendations to request additional information on activity or if necessary close the account relationships if they deemed it did not fit the risk appetite of the bank. Worked with operations team to test KYC documentation was collected at account opening and stored in the core system with any exceptions being corrected within stated policy guidelines.Managed & updated BSA policies, procedures and risk assessments located in our Governance, Risk Management and Compliance Software (Strunk).Processed BSA audit requests for external auditors by providing requested audit items and provided management responses to any findings for the final report.Worked on annual BSA training for Operations and Lending teams regarding best practices and managed content in our learning management system for BSA training.

Houston, Texas, United States

Houston, Texas, United States

Supports the Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Officer--Develops, implements and administers all aspect of the Bank Secrecy Act Compliance Program, including the USA Patriot ACT and OFAC: assist independent, state and federal regulator auditor inquiries; reviews and writes BSA, AML, OFAC and CIP related policies and procedures.Performs complex investigations related to potential money laundering, terrorist financing, fraud, drug trafficking, tax evasion, and OFAC related cases, as well as the Bank's HighRisk customers and products. Performs complex investigations of the Bank's High-Risk customers and products. Assists in the completion and tracking of various Quality Control functions within the BSA Department.Assists in alert tuning exercises to enhance the effectiveness of the monitoring system.Prepares comprehensive and timely investigation summaries.Composes Suspicious Activity Report (SAR).Reviews, identifies, and communicates with bank personnel and management on CDD/EDD deficiencies detected during the account monitoring process.Offers recommendations to the new accounts/risk scoring unit of necessary updates to customer profile as a result of activity reviewed.Recommends a course of action to management based on an analysis of the findings.Performs quality assurance reviews for client activity and initial account openings.Completes and submits CTR's in a timely manner as required by BSA SUPERVISORY RESPONSIBILITIESResponsible for overseeing and ensuring the BSA department activities run smoothly and efficiently by providing leadership and training within the department. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

San Antonio,Tx

SME for Bankers Toolbox, BSA/AML software. Responsibilities include processing alerts & SAR case management, managing scenario parameters and implementation of software updates to add additional functionality to the software.Manage BSA/AML policy for the bank to ensure that changes in regulations are updated on the policy. The updates are then reviewed by the compliance officer and the board of directors for approval.Tasked with on boarding new products & services with the bank to ensure that enhanced due diligence is performed on vendors. Vendor contracts are reviewed to ensure BSA/AML requirements are met and when necessary on-site visits are completed to ensure the vendor is meeting regulatory requirements.Processor of auditor and examiner requests by working with different departments to obtain required testing data and documentation for audits conducted on site thru Federal Reserve and Texas State Security board.Field all incoming fraud referrals and calls from branch staff to ensure that the issues are properly reported, investigated and documented for FinCEN SAR requirements.Manager of CTR reviews & OFAC and 314a scans thru the Bankers Toolbox software. I am tasked with reviewing all the OFAC and 314a hits to ensure any matches are reported to FinCen. investigating suspicious activity and when necessary filling SAR’s thru FinCen Portal.Manager of all high-risk reviews for the bank quarterly to ensure that account activity matches stated by the customer/business at account opening. Activity is reasonable for business type and market area they service. On site visits are conducted on a percentage of high-risk customers with money service business models or private ATM service.Leader of operational projects that include debit card, credit cards, digital brands and third party ACH payment processors. Led implementation process from start to finish for each project by working with vendors and business units to achieve organizational goals.

Live Oak, Texas

*Completed home & commercial appraisal reviews ensuring USPAP regulations set forth by Dodd-Frank Act were met accordingly.*Submitted reports to Fannie Mae to obtain established agreements and complete necessary administrative tasks to upload appraisal for processing.*Handled inbound customer disputes and submitted additional requests to appraiser for consideration.

Live Oak, Texas

* Managed key aspects of the audit process including coordinating department informational meetings, reporting to supervisors on current progress of audits and tracking testing results.* Worked to Identify and present solutions in regards to the audit process, company goals; and vendor due diligence.* Collaborated with NCUA regulators and BKD Auditors in obtaining vital documents needed for consumer lending and home mortgage audits.* Achieved improvements to the audit process by ensuring budget goals were met and by tracking time spent on each audit workflow. * Spearheaded a key workbook project used by the supervisory committee to monitor audit findings recommended by senior management.

Live Oak, Texas

*Managed all incoming calls to finalize loans ranging from auto, motorcycle, RV, trailers, boat, credit cards and other unsecured lines of credit*Processed all payments to dealers via cashiers checks and completed all title work requirements to add liens for the credit union*Assisted customers via phone and email with all questions relating to the credit union loan portfolio.*Selected by senior managent to participate in the management training program. This program allowed me to create new product recommendations to facilitate credit union growth and profitability.

Marietta, Georgia

* Primary responsibilities included managing teller transactions at our teller line and drive thru.*Assisted customers in finalizing auto, home equity lines of credit, signature loans, and credit cards.*Interviewed members to identify suitable credit union accounts that included Traditional IRA, Roth IRA, money market, savings and certificates of deposit.

Mba, Finance

Activities and Societies: International Club, Hispanic Student Association.

Bachelors, Business Administration/ It Managment

Activities and Societies: International Club Hispanic Student Association Commuter Club