A multifaceted senior IT consulting professional in banking compliance, business analysis and software development. Richard has over ten years’ experience providing custom technology solutions, specializing in developing utilities to increase AML operational efficiency, transaction monitoring software implementation, and development of model validation stress test utilities for Financial Crimes Compliance. Additionally, Mr. Oths delivers root cause analysis, due diligence automation, and custom analytic solutions outside traditional AML transaction monitoring practices. Richard developed and tuned transaction monitoring rules for risk assessments for regional banks. Building above/below line tests, he created SQL procedures able to change rule thresholds for better insight into alert and false-positive generation. Additionally, the technical solutions and data extract/aggregation tools he developed increased AML investigator productivity.