Ryan Bodo Email & Phone Number

• Support overall BSA compliance efforts required under the Bank Secrecy Act, the USA PATRIOT Act and theOffice of Foreign Assets Control.• Perform reviews and conduct testing on all of the bank’s current Bank Secrecy Act (BSA) policies and procedures to verify the accuracy and completeness of the following: Suspicious Activity Reports (SARs), suspicious activity monitoring alerts, Currency Transaction Reporting (CTRs), Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), as well as, OFAC reporting, and 314(a) and 314(b).• Conduct comprehensive investigations and quality assurance reviews for the bank's most complex cases and customers; analyze transaction information, review customer data and recommend SAR or no SAR filings.• Document quality assurance findings, observations, and make recommendations in clear and concise reports for management and regulatory purposes. • Manage alert, case and customer review inventory, prioritizing cases based on risk while adhering to service level agreements and procedures; escalate system, model or data integrity issues to management.• Monitor the information gathering process in conjunction with customer due diligence procedures to ensure employees are gathering all required information.• Assist with the revision, preparation, writing, and dissemination of new and updated compliance standards and procedures related to both BSA and Quality Assurance; assisted with compliance related ad-hock projects.• Support the Bank's compliance-related programs, such as compliance training, compliance testing and reporting; participate in model testing and tuning exercises and provides feedback to management.

Houston, Texas Area

• Perform reviews of bank customers (individuals/entities), related parties (owners, board of directors,executives) and/or transactions that present a moderate degree of complexity and risk to determineappropriateness for Wells Fargo.• Perform comprehensive research and background investigations on transactions, individuals, entities,organizations or locations to identify and mitigate associated sanctions, credit, financial crime, and reputationalrisks while thoroughly documenting findings.• Review and analyze due diligence data from a variety of sources to determine overall risk. Perform backgroundinvestigations and screenings on customers, prospects and/or transactions against various regulatory reportinglists and regionally based sanctions watch lists.• Evaluates risks to determine permissibility under sanctions, regulations and BSA/AML regulations. Works withhigh risk customers (e.g. casinos, MSBs, payment processors) to understand controls and activities.• Provide appropriate direction to the line of business. Escalate confirmed sanctions alerts, PEP matches andother risks appropriately. Perform non-documentary Customer Identification Program or domestic customersin accordance with regulations and bank policy.• Ensures compliance with guidelines set forth in federal/state anti-money laundering laws and regulations including the Bank Secrecy Act and various sanctions regulations, and in accordance with policy/procedures set by the bank.• Consult with peers, line of business managers and other external parties regarding due diligence findings.• Participate in project initiatives and departmental initiatives.• Effectively manage work requests to exceed performance expectations.

Houston, Texas Area

• Perform reviews of bank customers (individuals/entities), related parties (owners, board of directors,executives) and/or transactions that present a moderate degree of complexity and risk to determineappropriateness for Wells Fargo.• Perform comprehensive research and background investigations on transactions, individuals, entities,organizations or locations to identify and mitigate associated sanctions, credit, financial crime, and reputationalrisks while thoroughly documenting findings.• Review and analyze due diligence data from a variety of sources to determine overall risk. Perform backgroundinvestigations and screenings on customers, prospects and/or transactions against various regulatory reportinglists and regionally based sanctions watch lists.• Evaluates risks to determine permissibility under sanctions, regulations and BSA/AML regulations. Works withhigh risk customers (e.g. casinos, MSBs, payment processors) to understand controls and activities.• Provide appropriate direction to the line of business. Escalate confirmed sanctions alerts, PEP matches andother risks appropriately. Perform non-documentary Customer Identification Program or domestic customersin accordance with regulations and bank policy.• Ensures compliance with guidelines set forth in federal/state anti-money laundering laws and regulations including the Bank Secrecy Act and various sanctions regulations, and in accordance with policy/procedures set by the bank.• Consult with peers, line of business managers and other external parties regarding due diligence findings.• Participate in project initiatives and departmental initiatives.• Effectively manage work requests to exceed performance expectations.

Houston, Texas Area

My role as a KYC Analyst was to research, analyze, and evaluate all required KYC information on business banking clients for the purpose of identifying and mitigating potential risks to the bank. Reviews of Business Banking customers varied in scope and risk depending on factors such as whether or not the customer is a cash intensive business or is conducting transactions with international clientele and suppliers in high risk jurisdictions. Some of the customers reviewed in this line of business fall into categories such as Money Service Businesses /MSBs, Politically Exposed Persons (PEPs), Investment companies, Non-Bank Financial Institutions (NBFIs), NGOS/Charities, and Real Estate Investment Trusts/REITS. The primary focus of this role was to complete time sensitive quality reviews within Business Banking’s service level agreements as well as escalating customers for further review or closure to such groups as BB Risk Operations or Global Financial Crimes Compliance (GFCC).

Columbus, Ohio Area

My role as a Risk Analyst in BB Ops Risk Management was to review Business Banking customer account profiles and account transactions. This included conducting transaction history review and research on all business banking customer that were operating potential prohibited businesses including all Money Service Businesses /MSBs, Politically Exposed Persons (PEPs), Investment companies, Non-Bank Financial Institutions (NBFIs), NGOS/Charities, Real Estate Investment Trusts/REITS, Adult websites, potential medical marijuana clinics and business related to internet gambling, such as online gambling and casinos. The main objective of this role was to prevent any monetary losses to the bank as well as to identify any prohibited businesses or prohibited activity.

Columbus, Ohio Area

My role as a credit risk analyst for the collateral monitoring team in Private Wealth Management was responsible for monitoring all JPMorgan exposure or brokerage margin loans secured by financials (equities, fixed income, mutual funds, bonds, stocks, etc) and other asset types. The functions performed by me were critical to protecting the bank from potential credit losses. I managed intraday transactions and exceptions related to credit facilities and pledged collateral. I was responsible for reporting analytics and portfolio reviews to capital advisors, underwriters, and credit executives. My role included reviewing new and existing agreement terms and documentation. I set up agreement terms regarding pledged collateral in credit systems as well as monitored collateral daily to identify inadequate positions. Once I had confirmed any inadequate positions my job was to contact the banker, capital advisor, and credit executive for resolution plans. I managed requests for intraday transactions and approved if collateral position were adequate. These transactions specifically involved cash and security movement within pledged collateral accounts. Lastly, I ensured that all pledged assets were blocked from unauthorized utilization as well managing amendments to original agreement terms including non-standard lending terms, including attorney prepared documentation.

Columbus, Ohio

My first position at JPMorgan Chase was as an Underwriting Support Specialist. This role was primarily a documentation specialist responsible for ordering vendor work such as titles and appraisals. I performed reviews on these documents as well as prepared loan documents such as Promissory Notes, Mortgages, Guaranty agreements, Security Agreements, Business Loan Agreements, etc.

Columbus, Ohio Area

My role at Huntington Bank was as a Commercial Loan Documentation Specialist. This role was primarily a documentation specialist responsible for ordering vendor work such as titles and appraisals. I performed reviews on these documents as well as prepared loan documents such as Promissory Notes, Mortgages, Guaranty agreements, Security Agreements, Business Loan Agreements, etc.

Columbus, Ohio Area

My role at Bank of America was as a Collateral Management Specialist. This role was primarily a documentation specialist responsible for ordering vendor work such as titles and appraisals. I performed reviews on these documents as well as prepared loan documents such as Promissory Notes, Mortgages, Guaranty agreements, Security Agreements, Business Loan Agreements, etc.