Nikki M. Email & Phone Number

New York, United States

New York, New York, Us

Defining, driving, and executing end-to-end Policy/Standard/Procedure and Process design and subsequent implementation efforts across Treasury activities in support of Citi's Global Transformation efforts. Governance oversight of Global Treasury groups and Finance functions such as Balance Sheet Management, as well as infrastructure partners in Operations and Technology.Partnering with enterprise governance teams to establish of strategic approach to policy governance, integrating risk and control methodologies to ensure adherence to all consent order deliverables.

San Antonio, Texas, Us

In this role, I had the privilege of leading a team of 100 dedicated professionals. Together, we redefined what quality assurance means in a highly regulated environment. ➥ Directed 4 teams and oversaw QA operations for Military Benefits/Protections program with $1M monthly budget➥ Pioneered the development of an innovative, best-in-class quality assurance program within USAA, integrating comprehensive risk management strategies on the path to converting an Unsatisfactory OCC rating for the Military Benefits Program to a satisfactory program rating in only one audit cycle. ➥ Adapted to rapidly changing compliance landscapes by implementing agile practices, which led to handling over 6,000 benefit requests per month with less than a 1% error rate.➥ Led QA teams in first line of defense processes for Fair Credit Reporting Act (FCRA), AML, Garnishment and Subpoena Services, and Retail Deposit Services, weaving compliance/risk methodologies in creating processes and procedures in line with enterprise and regulatory requirements, as well as providing reporting to Executive Leadership. ➥ Reduced operational expenses through strong partnerships with agile leaders to construct workflow optimization and automation

At Fair Compliance, I was brought on board to oversee compliance for operational groups across 6 international offshore call center sites and 5 client portfolios. It was a role that demanded not just expertise but also the ability to adapt and scale quickly. ➥ Developed a comprehensive risk management framework that covered everything from marketplace lending activity to client audits. This wasn't just about meeting regulations; it was about exceeding them to provide our clients with the best possible service.➥ Chaired the Executive Compliance Committee, where we proactively addressed enterprise, operational, regulatory, and compliance risks. This initiative set the stage for a culture of proactive compliance rather than reactive problem-solving.

London, Gb

At HSBC, I was responsible for reviewing, designing, and advising on compliance policies, procedures, frameworks, and control environments for Commercial Banking. It was a role that required a deep understanding of both regulatory requirements and business needs. ➥ Conducted periodic and focused audit reviews of all high-risk commercial bank customers and suppliers. This proactive approach ensured adherence to ever-changing rules, regulations, and bank-level requirements.➥ Transitioned all controls from an outdated legacy system to a global HSBC enterprise system. This move not only simplified reviews among legal entities but also enhanced operational efficiency.tory requirements. ➥ Advised the business throughout the periodic Compliance Detailed Self Assessments (CDSA) and reviewed the control environment from a cradle-to-grave perspective, providing a deep level of understanding/experience to mitigate regulatory compliance risk.

New York, New York, Us

The Political Activities group monitors Citi employees’ compliance with industry rules and federal, state, and local laws regarding political contributions, gifts and entertainment provided to U.S. public officials, procurement lobbying, and other types of interactions with U.S. public officials. Secondarily, the group manages Citi’s Gifts and Entertainment (“G&E”) Policy, and provides advisory support to compliance colleagues and employees across the organization. The group plays a lead role in a long-term project which implemented a global G&E pre-approval system.Responsibilities include:• Overseeing compliance with the Citi’s Gifts and Entertainment Policy which provided employees across the organization with a primer for what is permissible when entertaining U.S Public Officials.• Overseeing compliance with Citi’s Political Activities policy which advised employees and ex-pats on allowable political contributions based on Local, State and Federal Pay-to-Play legislation.• Liaising with various business units to identify employees involved in specific, regulated activities (including those governed by Rule 206 (4)-5 of Investment Advisors Act of 1940, Rules G-37 and G-38 of the MSRB Rule Book and CFTC Rule 23.451) and provide related education and training.• Conducting targeted surveillance to ensure Citi employees’ compliance with industry rules and federal, state, and local laws regarding political contributions, gifts and entertainment provided to U.S. public officials.• Working in conjunction with Citi’s Global Anti-Bribery (AB&C) and Corruption to ensure that Political Activities and AB&C policy are properly aligned with current regulatory environment in each jurisdiction.• Managing new initiative to conduct surveillance of Citi employees Travel and Expense (T&E) reimbursement to ensure both Political Activities and G&E policy compliance.

Buffalo, Ny, Us

• Established and oversaw the bank’s program for review of third party business relationships and service providers with customer contact. • Acted as Subject Matter Expert in Fair Lending Compliance, and primary point of contact for business partners and the Vendor Risk Governance team.• Reviewed complaints received from customers about bank vendors to determine root cause/trend analysis and whether complaints were as a result of a failure/gap in vendor policies or procedures.• Managed ongoing compliance with the Vendor Management Program, including onboarding of new-to-the-bank vendors, oversight of existing vendor relationships and ongoing monitoring and testing of vendor relationships to ensure compliance with existing state and federal laws and regulations.• Advised business partners in identifying weaknesses in third party service provider relationships

Buffalo, Ny, Us

Conducted investigations in anti-money laundering, and Bank Secrecy Act (BSA) matters including violations of state and federal laws dealing with the USA PATRIOT Act, structuring and terrorist financing. Spearheaded a series of investigations involving an MSB Fraud Ring in Pennsylvania, which resulted in the seizure of multiple accounts and $150,000.00 by the FBI.Strong understanding of AML laws and regulations as well experience in mentoring team members.Experienced in handling expedited investigations, as well as those requiring specialized attention with appropriate discretion, including extensive and complex management requests. Expertise in reviewing customer account activity, identifying BSA and regulatory issues that results in the preparation and filing of a Suspicious Activity Report; experience in such investigations identifying non-compliance with federal banking regulations and internal account process/procedure including non-compliance of lending policies as well as Terrorist Financing. Conducted red flag analysis on new account openings, and provided best practices for loan underwriting when opening new lending relationships.Provided leadership and direction to junior analysts in case analysis, best practices and technical and policy understanding with respect to AML/BSA legislation and internal procedures.Identified BSA and regulatory issues based on analysis of customer activity and prepare Suspicious Activity Reports (SARs) to be sent to various government institutions including OFAC, FINCEN and law enforcement. Conducted Quality Control assessments for work submitted by other analystsAssisted Fraud Risk Management with Rules Implementation for various fraud issues, procedural issues, including work flow and case streamlining.Assisted Fraud Risk Management with vendor management concerns, including FDR/Defense Edge and Vantiv reviewProficient in the testing and implementation of new systems, policies and procedures.

London, Gb

Monitored, researched and reported on customer transactional data, in order to discern if customer behavior is indicative of suspicious/illegal activity including terrorist financing.Identified BSA and regulatory issues based on analysis of customer activity and prepare report to be sent to various government institutions including OFAC, FINCEN and law enforcement. Assisted in testing and implementation of various policies and procedures based on best practices within the department. Trained employees on various procedural issues, including reporting and alert management. As MIS Analyst, statistics compiled for AML Compliance Department, Domestic Private Banking, Government and Institutional Banking, Financial Investigation Group, Latin American Banking, and Middle Market Banking. Reporting completed on a daily, weekly and monthly basis, with metrics completed weekly and monthly. Managed reporting of all aged items, including all alert and SAR statuses. Assisted management in maintaining accurate records for OCC audit and testing.

London, Gb

Met with current and potential retail and commercial customers to discuss their financial requirements; sell appropriate core financial services products to meet their needs while developing and expanding account relationships; refer them to other specialized product areas as required. Identified customers with further profit potential and develop action plans to tackle those relationships.Acquired new small business relationships by actively pursuing walk-in customers and referrals. Cross-sold other company products and services to further expand relationships; refer them to other specialized product areas as required.Acted as Officer in Charge when Manager/Assistant Manager were out of office, conducted internal audits of teller staff, vault, key access, and account opening documentation. Act as primary point of contact for internal audits by District Audit Officers, including cash/teller logs, personal and business KYC documentation, vault log, and ATM logs.Continually coached/managed CSR's in effective ways to present products and services to customers. Presented branch initiatives in a manner that can easily be digested, including corporate directives, operational mandates, compliance updates and standards. Managed employee training requirements. Adhered strictly to compliance and operational risk controls in accordance with Company and regulatory standards, policies and practices, and worked closely with Corporate Security.

Cleveland , Ohio, Us

Manage day to day commercial banking situations, including but not limited to marketing and management of corporate events, communication of information to client base and management, product monitoring, and record keeping. Primary point of contact for all audit/compliance documentation requests, as well as maintenance of all customer documentation.Implemented several cost saving and time saving programs and practices.Compile and present RFP's for current and prospective clients.Extensive experience in corporate scheduling, budgeting of events, expense reporting and verification, and marketing of events to clients and consumers. Provide clients with required commercial banking information for sponsorships, in addition to relaying graphical/prospectus data for presentation.

Cleveland , Ohio, Us

Master Of Business Administration (Mba), Finance

Masters Of Science, Sport Administration

Bachelors Of Arts, English

Education record