Robert Stepien Email & Phone Number

-Manage BSA/AML/OFAC compliance program and policy requirements for money laundering activity.- Coordinate and monitor day-to-day compliance with BSA/AML with staff including CTR filing, SAR filing, OFAC, 314(a)/314(b) reporting and analysis of MSB/MRB activities.- Manage high-risk account portfolio and enhanced due diligence requirements.- Manage the Verafin BSA/AML System.- Coordinate FDIC and State Examinations and external audits.- Develop and perform new hire training and annual training for bank personnel. - Manage Operational Risk and Vendor Management Programs.- Manage Internal Risk Assessment and Risk Control Self-Assessment Programs. - Manage audit findings to determine risk impact and develop mitigating controls.- Manage Bank's Disaster Recovery and Business Continuity Plan Programs.

Oversee the Bank’s compliance program and implementation of new or revised regulatory requirements for each business unit. Conduct various risked based compliance monitoring reviews on a periodic basis. Chairman of the Bank’s Compliance Committee responsible for preparation of the agenda for each quarterly meeting to review new or pending regulatory compliance requirements, monitor external audit exceptions, branch audits and regulatory examination findings and action plan. Perform revisions to regulatory and operational policies and procedures for compliance. Enhanced BSA/AML compliance requirements for CTR's, SAR Investigations & SAR filings, EDD's, Risk Assessment Analysis, High Risk Business Tracking, OFAC, 314A & 314B reporting. Responsible for Compliance and BSA/AML related training for new and existing employees. Manage first day letter and coordinate responses to regulatory agencies performing compliance examinations.

Oversee the Bank’s compliance and branch security program and implementation of regulatory requirements for each business unit. Appointed BSA/AML Officer in December 2012 to strengthen the Bank’s overall BSA/AML program for compliance. Conduct various risked based compliance monitoring reviews on a periodic basis. Perform revisions to regulatory and operational policies and procedures for compliance. Enhanced BSA/AML compliance requirements for Currency Transaction Reporting, Suspicious Activity Investigations and SAR filings, Enhanced Due Diligence, Risk Assessment Analysis, High Risk Business Tracking, OFAC, 314A & 314B reporting. Responsible for Compliance and BSA/AML related training for new and existing employees. Manage first day letter and coordinate responses to regulatory agencies performing compliance examinations. Managed security requirements and training for all branches.