Led and scaled the Financial Crime Compliance (FCC) program, overseeing the FCC program development, managing state regulatory audits, and ensuring compliance with Anti-Money Laundering (AML) regulations, Office of Foreign Assets Control (OFAC), and Fraud Mitigation. Direct AML compliance programs per the USA PATRIOT Act, BSA, OFAC, and FinCEN (Financial Crimes Enforcement Network) regulations, including KYC, transaction monitoring, and SAR (Suspicious Activity Reports) filing. Manage and mentor a team of 13 professionals across four risk verticals (AML, Fraud, Loss Prevention, and Operations), ensuring alignment with organizational OKRs and departmental KPIs. Achieved a 14.29% increase in promotions and a 25% improvement in employee satisfaction and engagement scores through regular one-on-one sessions and career development plans. Oversaw the optimization of KYC auto-approval onboarding logic, achieving a 91% auto-approval rate while keeping a fraud application rate of 0.3% from an average of 225,000 applications monthly. Managed and prioritized fraud and AML investigation requests, ensuring adherence to defined SLAs. Directed a project to reduce total AML alert volume by 28% and increase the escalated rate by 1.4%, resulting in an average monthly savings of 100 hours (about 4 days). Partner with data analytics teams to develop and enhance metrics, dashboards, and data-driven mechanisms for AML, fraud, and loss investigations. Implement and refine controls and compliance processes, including designing, testing, and enhancing new procedures. Develop and support fraud investigations and operations playbooks, showing and implementing process improvements.

Led Dave Inc.'s Financial Crime Compliance (FCC) program, ensuring adherence to the USA PATRIOT Act, BSA, OFAC, and FinCEN regulations, including KYC, transaction monitoring, and SAR filing. Managed third-party risk (TPR) and banking as a service (BaaS) relationships, acting as the primary liaison for internal/external audits, federal/state examinations, and regulatory inquiries. Supervised a team of 4 analysts, offering strategic guidance and ensuring compliance alignment with regulatory standards. Directed the implementation of the firm's annual BSA/AML/OFAC risk assessment, recommending leadership on compliance risks related to new initiatives and product changes. Collaborated with cross-functional teams (Product, Engineering, Data, Legal) to develop, refine, and scale products, tools, and systems with a risk-based approach in a dynamic FinTech environment. Developed and oversaw third-party BSA/AML/OFAC systems/vendors, ensuring effective KYC and CDD/EDD processes and confirming the effectiveness of FCC program controls. Optimized AML transaction monitoring systems and models, finding and tuning model inadequacies through validation, calibration, and advanced statistical techniques like clustering and regression analysis. Led projects and data enhancements for key systems (Socure, Alloy, Unit21, Kount, Sliderule), driving technical improvements, model validation, and data governance. Managed regulatory relationships and recommended management on compliance best practices, regulations, and fraud prevention strategies.

Led all aspects of the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Office of Foreign Assets Control (OFAC) compliance functions, including supervising a team of four direct reports and driving team performance. Developed and implemented Know Your Customer (KYC) procedures, including Customer Identification Program (CIP), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD), to assign Customer Risk Ratings (CRR) based on various risk factors. Conducted annual enterprise-wide BSA/AML/OFAC risk assessments to evaluate product, customer, and geographical risks and tested risk-mitigating controls to determine residual risk ratings. Served as a Subject Matter Expert (SME) for Actimize SAM, Actimize CDD, and Actimize WLF system implementations, liaising between business and IT teams to ensure clear understanding of requirements and system functionality. Managed the design and development of AML transaction monitoring typologies, rules, and thresholds, and conducted ongoing model data validations. Utilized SQL for advanced data analysis to identify and confirm patterns of suspicious activity, fraud, and money laundering risks.

Brown Brothers Harriman (BBH) is a privately-held financial institution that has been a thought leader and solutions provider for almost 200 years. BBH serves the most sophisticated individuals and institutions with expertise in Private Banking, Investment Management, and Investor Services. With over 5,000 employees operating from 18 locations throughout North America, Europe, and Asia.Ensured that the Firm remained in compliance with all applicable federal laws and regulations, including Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), Office of Foreign Asset Control (OFAC), and USA PATRIOT Act.Provide support and AML subject matter expertise related to the Banks Transaction Monitoring Program (TMP) /Case Management Tool (CMT) (e.g., Actimize).Working in coherence with TMP/CMT Architect, building and validating transaction monitoring models, utilizing and implementing risk-based alert scoring logic.Responsible for tuning, configuring, calibrating, and optimizing AML model thresholds through segmentation methodology, scenario tuning methodology, peer grouping, and BTL/ATL (below/above the line) sampling methodology.Liaise with Bank IT department regarding vendor selection and system maintenance and perform User Acceptance Testing (UAT).Conduct preliminary case investigations and draft case recommendations on CMT-generated alerts, document and report the investigation findings and prepare case files with required supporting documentation (e.g., media search results, copies of statements/checks, results from internal system searches).Lead and/or provide support on special projects as required. Examples include Firco-Continuity/Accuity interdict list maintenance; Third-Party Payment (TPP) DART report, New Source of Funds (NSOF) report, Enhanced Due Diligence (EDD) Special Focus Client (SFC) reports, and Investigations report.

Oppenheimer & Co. Inc. ("Oppenheimer"​) is a leading investment bank and full-service investment firm that provides financial services and advice to high-net-worth investors, individuals, businesses, and institutions. For over 130 years, OPCO provided investors with the necessary expertise and insight to meet the challenge of achieving their financial goals.Provided Firm-wide advice regarding all Anti-Money Laundering (AML) matters and carried out the Firm's obligation to comply with the USA Patriot Act, the Bank Secrecy Act (BSA), and all related OFAC laws and regulations.Responsible for regularly reviewing the Financial Crimes Enforcement Network's (FinCEN) website "311-Special Measures" section to determine whether any new announcements have been added since the prior review. Coordinate with KYC management and counterparts to implement U.S policy and procedural enhancements, ensuring consistency and completeness across business divisions.Perform analysis of existing and prospective accounts/customers and their beneficial owners, including due diligence, synthesize findings and report to management, partners, and committee members for effective assessment and viability risk.Ensuring the Firm maintains a sound internal compliance structure involving reporting, Sanctions screening, and suspicious activity monitoring.Research, analyze, and investigate high-risk customer/commercial account behavior for potential Money laundering or Terrorist Financing related suspicious activity in accordance with Firms policies and procedures.Investigate and review adverse media pertaining to financial crimes, bribery, corruption, OFAC sanctions, and AML/BSA issues.

HBL was the first commercial bank to be established in Pakistan in 1947. Over the years, HBL has grown its branch network and become the largest private sector bank, with over 1,450 branches across the country and a customer base exceeding five million relationships.Oversaw day-to-day management of the AML Compliance Program in areas of Transaction Monitoring, OFAC Screening, Fraud, Investigations, Policies & Procedures, and Internal & Government Reporting.Liaison with Operational Risk Management, Internal Audit, and other corporate functions to ensure proper implementation and monitoring of corporate compliance across all departments. Manage and review the timely filing of Suspicious Activity Reports (SAR) to Financial Crimes Enforcement Network (FinCEN) via the BSA E-Filing System and the production of ad-hoc and monthly/quarterly/annual reports for senior managers and other business users to assess client risk.Design risk models that calculate and assign customer risk profiles based on questionnaire responses, Line of Business (LOB), geographical location, and other relevant key metrics.Function as the “go-to person” for AML Systems and Software performance: conduct user acceptance testing (UAT), design and review specifications, work closely with IT to troubleshoot production issues, monitor and validate new releases and updates, and train users on how to use the systems. Collaborate with International Control Unit to engineer comprehensive transaction alerts and analysis reports for presentation to Head BSA/AML Officer, Country Manager, and global CCO.Coordinate with KYC specialists during onboarding of new clients, conducting QA to validate that all CIP, KYC, and Due Diligence information is collected correctly, executed, and documented.

PNC Financial Services Group, Inc. is one of the nation's largest diversified financial services organizations providing retail and business banking, residential mortgage banking, specialized services for corporations and government entities, including corporate banking, real estate finance, asset-based lending, wealth management, and asset management.Oversaw branch compliance with regulations such as the USA Patriot Act, Bank Secrecy Act of 1970, and the Money Laundering Control Act of 1986.Supervised and trained bank personnel on Currency Transaction Reporting (CTR) regulations, filing and submitting Suspicious Activity Reports (SAR) with FinCEN, and performing investigations for Politically Exposed Persons (PEP) using public databases like OFAC and FINRA as well as tools such as LexisNexis and World-Check.Performed Enhanced Due Diligence (EDD) on approximately 3000 accounts daily to detect complex money-laundering patterns and suspicious activity such as structuring transactions. Managed the Know Your Customer (KYC) process from account opening to subsequent transaction activity, flagged and investigated potentially suspicious cases, and escalated results to management.Developed reports using Excel and SQL to analyze suspicious activity for institutional and retail clients daily and monitored approximately $2.5 million in risk exposure. Collaborated with IT and Risk Management to develop parameters to optimize surveillance systems, policies, and procedures for detecting and reporting potential money laundering by improving accuracy rates and minimizing false positives.Implemented processes that analyzed and investigated over 500 customer, business, and personal documentation records using data mining before account opening.