• Reviews data to identify potential risk factors or compliance violations.• Performs end-to-end assessment activities from planning, and execution, up to closure of observations.• Works with functional leads and points of contact, in tracking action plans defined for non- conformances cited.• With regards to BSA/AML activities, focus on identifying suspicious activity through automated and manual processes, risk rating of business customers, review of SARs before filing, and the review of Enhanced Due Diligence Reviews.• Responsible for assisting the BSA Officer with compliance monitoring reviews and other special projects to measure and understand the state of regulatory compliance for the organization.• Ensures accuracy and timely completion of required information for regular reports. • Logs audit reports and updates the status of the action plans in monitoring sites.• Helps implement plans and strategies designed and developed for rolling out Risk and Compliance initiatives.• Conducts research on new regulations or laws that could impact the organization’s operations.• Conducsa audits of internal controls to ensure they are working correctly.• Establishes policies and procedures that comply with state and federal laws.

• Managed remote team of 9 alert analysts and contractors as the first line of defense for BSA/AML and Fraud investigative operations of customer relationships, including global cryptocurrency exchanges and trading firms in a fast-growing, fast-changing regulatory environment. Responsible for 314(a) and cash/monetary instrument monitoring processes.• Increased average QC scores by more than 20% in 3 months creating coaching plans for analysts, focusing on proper research techniques, analysis, decision-making, and dispositioning of alert assessments to drive quality and production improvements. Reduced number of alerts closed near the 30-day SLA by more than 40% in 6 months by switching from monthly to weekly alert assignments & increasing daily productivity.• Condensed period for analysts to assume full-time responsibilities by creating a focused 30/60/90-day action plan. Delivered training to department teams, senior bank leaders, AML program consultants, and regulatory examiners, including generalized training and coaching on transaction monitoring systems, FCRM and AML policies & procedures, and risk-based analytics. • Improved processes and procedures by enhancing expectations for documenting analysis and final decisions. Created a more focused alert assessment form to improve overall quality of dispositions by collaborating with senior management to implement changes stemming from a BSA exam MRIA involving the Alert Surveillance team.• Provided increased efficiencies and structure to the Bank’s AML program by working with senior leadership in the development/build-out of the Alert Surveillance team, drafting procedures, job aids, and processes.

• Conducted comprehensive investigations into triggered transactional anomalies and business referrals, utilizing transaction reviews, internal system analysis, and open-source research to identify and report potential suspicious activity for SAR filing.• Implemented risk-based periodic reviews on traditional and crypto-related customers, employing a range of techniques such as transaction reviews, internal system analysis, open-source research, and assessment of customer counterparties to develop accurate risk profiles.• Worked closely with senior management to enhance policies and procedures, resulting in improved regulatory compliance. This included revamping the alert assessment template, creating a comprehensive training plan, and setting higher standards for productivity and quality. Provided training to new hires and contractors responsible for Alert Transaction Monitoring and Enhanced Due Diligence Periodic Reviews.• Collaborated with senior bank managers and directors to provide data for board reporting, audits, and regulatory examinations. Played a pivotal role in the successful transition from the PRIME AML platform to implementing The VERAFIN AML platform for efficient alert case management and investigations.

• Conducted thorough risk-based analysis of customer transaction activity using internal and external resources, resulting in insightful dispositions of transaction alerts and comprehensive customer periodic reviews.• Spearheaded the creation of Job Aids for the entire analyst team, enhancing employee training and facilitating adherence to Policies & Procedures.• Managed the filing process for all Currency Transaction Reports (CTR) and CTR Exemptions, ensuring compliance with regulatory requirements.

• Led a high-performing customer service team, consistently exceeding goals and achieving operational excellence.• Provided expert guidance to customers through a consultative sales approach, fostering trust and satisfaction.• Acted as interim Assistant Manager, handling escalated customer concerns, ensuring regulatory compliance, and opening new accounts.• Mentored and trained branch CSR team, serving as a trainer for retail positions across the Eastern MI Affiliate, while maintaining top-rated individual CEI scores and exceptional internal audit scores in 2014 and 2015.

• Achieved and maintained referral goals while ensuring accurate balancing records as a CSR.• Executed daily operational duties and teller transactions in strict compliance with Bancorp and federal regulations.• Assisted the Customer Service Manager with internal audits, provided coaching to team members, and consistently delivered exceptional customer service, earning trust and serving as a reliable advisor.• Proactively identified cross-selling opportunities, supported fellow CSRs with tasks like balancing and consistently exceeded referral goals.

• Managed day-to-day operations, ensuring regulatory compliance and resolving customer concerns.• Supervised a team of up to 5 tellers, optimizing performance and productivity.• Prepared daily reports and monthly certifications accurately and on time.• Conducted compliance audits in multiple branches, identifying areas for improvement and implementing action plans.• Provided training support during branch mergers, maintaining thorough documentation and ensuring completion of compliance training.• Assisted with special projects as required, demonstrating adaptability and versatility.

• Responsible for all day-to-day activities related to operations, new accounts, regulation and compliance• Handled front-line customer contact and resolved customer complaints• Conducted teller transactions and opened new accounts• Prepared loan work-ups for approval• Assisted with special projects and implementation of new products and services• Managed collections on delinquent loans and accounts• Developed, implemented, and maintained new credit card, audio teller, and online banking website programs

• Led a team of 5 employees, effectively implementing and maintaining operational controls• Collaborated with senior management to devise operational objectives, services, and programs aligned with Board of Directors' policies• Developed and managed training programs, ensuring progress and performance records were maintained

• Implemented a successful cross-training program for cash vault employees, resulting in increased productivity• Provided seamless support to supervisor, ensuring smooth operations at all times• Managed cash processing for DEA-seized currency and sting operation funds• Oversaw bankcard deposits, TT&L payments, and bank-by-mail transactions, while maintaining accurate verification of coin and currency shipments• Successfully handled various banking operations, including deposits, withdrawals, ATM management, Savings Bond transactions, and cash drawer balance maintenance.