Blackhawk Network delivers branded payment solutions through the prepaid products, technologies and network that connect brands and people.

Responsible for managing, developing and implementing a risk based Due Diligence and Oversight Program for Distributors of NetSpend products. The Distributor Due Diligence and Oversight Program is an integral part of Netspend’s Compliance Dept.• Successfully improved the program with notable solutions in mitigating third party risks, efficiently developed automated processes that assessed the needs of the business, and in turn meet regulatory requirements. The program improvements resulted in remediated audit findings and improved Regulatory Exam results.• Worked closely with Business Development, Sales, Implementation, and InfoSec teams to reinforce the onboarding and oversight process for 14,000+ Distributors. • Developed and implemented oversight functions including ongoing Due Diligence, AML Training, Mystery Shop, and Ongoing Monitoring. These initiatives significantly improved risk mitigation for our high risk distributor network.• Managed a team of onboarding compliance specialists, ensuring proper due diligence is conducted on all distributor relationships.• Administered key distributor relationships via conference calls and onsite visits to ensure compliance with NetSpend and Issuing Banks.• Actively participated in conferences and other educational opportunities to stay abreast of new regulatory requirements and best industry practices.

Responsible for the development of new product concepts, requirements, project implementations, in addition to achieving cross-functional collaboration and support. Work closely with Software Development, Internal System Support, Business Development and Sales to aggressively deliver a winning solution to the banking and financial services market.Collaborate with internal and external stakeholders to define the product roadmap. Collaborate in all marketing initiatives, including customer communication and product positioning, in addition to sales to new and existing customers and referrals.Lead training for inside sales and outside distributor sales.Managed key customer and vendor relationships via conference calls and technical working groups.Continuously gather user feedback to create a compelling user experience Create requirements and designed mock-ups for new features and enhancements including evaluating and testing new designsSubject Matter Expert in the area of Banking and Regulatory compliance

Manage, develop and implement the corporate wide Agent, Corporate Accounts and Branches AML program to optimize risk, return, growth and capital for the Company as a whole.Accountable in staying abreast on new market requirements and best industry practicesIncluding writing new AML compliance programs and updating existing AML programs as regulatory changes or additional requirements occur within applicable company policies and procedures as they relate to anti-money laundering and anti-terrorist activities. Ensure company policies and procedures are in compliance with the Bank Secrecy Act, USA Patriot Act, Office of Foreign Asset Control (OFAC), and International Regulatory requirements and any other state or federal anti-money laundering / anti-terrorist laws as they apply. Responsible for managing a team of Agent Compliance Processors in Mexico and in the U.S.

Responsible for the oversight of Sigue agent network and ensuring compliance with AML/BSA regulations for the South region of United States including the high risk states of Texas; Manage a group of team members located across the U.S. Able to develop the team in a short period of time and result in surpassed monthly goals.Responsible for the development and implementation of compliance programs including new policies and procedures, mystery shop program, due diligence programs, and necessary preparation for state/federal examinations.Responsible for the development and implementation of ad hoc projects.Responsible for Due Diligence process for corresponding International Pay Partners.Accountable for providing quality Compliance/AML training for new sales employees and hew hires.Manage weekly/monthly reports and ensure submission on a timely basis.Promoted to supervisor within less then a year.Awarded for Outstanding Leadership in 2010, 2011 and 2012 .

Implement policies and procedures for new or updated federal and state banking regulations, as well as accountable for administering new systems procedures for The Mortgage Origination System as needed.Assist wholesale and retail groups with compliance issues and questions.Responsible for auditing loan files for HMDA compliance, in addition to the compiling and scrubbing of the federal HMDA report.Manage Customer Identification Program (CIP); ensuring branches are in compliance with policy and procedures.

Responsible for reviewing licensee activities to ensure compliance with state laws and regulations.Perform investigations of registered creditors and licensees.Assisted in presenting seminars in regards to credit and/or financing at a number of conferences.