Sabrina M. Email & Phone Number

Niagara Falls, On, Ca

Ontario, Canada

Manage the regulatory compliance, and privacy programs for Meridian Credit Union and its subsidiaries, motusbank andOneCap.Develop a risk-based methodology for Compliance Risk assessments and control testing using Resolver, an automatedplatform, in accordance to OSFI E-13 and right size it for the Credit Union and Leasing facility.Create business unit level Compliance risk dashboards and organization level board reports to support the ChiefCompliance Officer's decision-making.Keep abreast of regulatory changes and updates, ensuring seamless communication across the organization, andmaintaining a Regulatory Content Library.Perform Compliance and Privacy Impact Assessments for all projects and initiatives to navigate process and regulatory changes effectively.

Toronto, Ontario, Canada

Working in the Centre of Excellence of Audit to review adherence by the Global Enterprise Compliance team and the Business Segment units across the organization to the Regulatory requirements set within Canada, USA, Europe, China, the United Kingdom and much more. Contribute to and manage integrated audit teams in the planning, execution, delivery, efficiencies and reporting of Global Enterprise Compliance, and Continuous Monitoring/ Assurance audits in the annual audit plan. Develop, draft and review recommendations relating to audit programs and sampling techniques. Assess the effectiveness of internal controls, risk management practices and governance processes to complete audit programs. Uncover patterns, insights, trends and anomalies through analysis of data sets and the use of visualization tools. Assist with regulatory requests in all regions and provide support on key projects and audits. Promote and assist management in self-reporting control issues as well as respond to stakeholder needs quickly and efficiently, while building constructive relationships with Internal Audit peers and business partners. Implemented a transformation in approach to 1:1 coaching where coaching flows between Supervisor and Employee seamlessly and encourages transparency. Educated team members across the Centre of Excellence for Global Compliance on the changes caused by Federal Bill C-86 in Canada. Completed self-led diversity, inclusion and equity training, as well as training on micro-aggressions. Finally, implemented a weekly Compliance Notification for the Centre of Excellence to ensure that the "pulse" of regulatory changes is being maintained within the Audit function.

Canada

Assisting the organization with its Regulatory Compliance needs as per OSFI E-13. Creating and scoping Compliance Assessments, as well as coordinating and completing control testing and validation.Assisting the Director, Regulatory Compliance with creating a risk-based methodology for Compliance Risk assessments and control testing. As well as completing testing and monitoring of Regulatory Compliance risks through an automated platform. Assessing "trigger events" like Regulatory fines, and completing internal assessments to provide assurance to the Chief Compliance Officer of regulatory compliance, which then flows into the CCO annual opinion.Maintaining a "pulse" on regulatory changes, and updates, ensuring effective and efficient communication across the entire organization, by providing a weekly Compliance update to all business units and the Executive Leadership Team. For example, Canada Labour Code, Provincial Credit Union Acts, OSFI guidance, FATCA/CRS, PIPEDA, FCAC, the Bank Act, the Trust and Loan Companies Act, Cost of Borrowing Regulations and many more.

Toronto, On

Planning of the scope of audit engagements, preparing the audit program as well as determining the appropriate auditing procedures and examination techniques to be applied in the particular engagement. Performing audit assignments, and obtain an objective opinion on the effectiveness and efficiency of operations and provide assurance on the adequacy of the internal controls while employing a risk-based approach. Compile information for periodic dashboard and quarterly board reporting while looking for efficiencies and automation within the reporting. Supporting the Internal Audit team in the development, implementation and execution of elements of the Internal Audit Services Strategic Plan. As well as assisting in the creation and implementation of a new audit platform for the organization.Tracking and maintaining automated dashboards to ensure staff within the internal audit department were completing their mandatory training hours. As well as tracking and maintaining best practice logs, and observation logs, following up monthly to validate completion from the applicable business units, or obtaining updated target dates with explainations for the VP, IAS and the Board.All while developing and maintaining professional relationships with management of the Credit Union, motusbank and OneCap entities, and building collaborative partnerships with management in order to be an agent for constructive change within a LEAN organization.

Kitchener, Ontario, Canada

Creating an internal audit charter, Internal Audit plan, and completing internal audit engagements within all functional areas of the business i.e. operations, regulatory, financial, business continuity, strategic planning, etc. Completing quarterly reporting to the Audit committee from the Board of Directors as to the status of the program as well as findings and action plans from all engagements completed. Ensuring all findings have action plans that are being upheld by all appropriate business owners. I Transformed the entire audit program to a percentage rating system that identifies breaches within the controls as identified by the Enterprise Risk Management program. Separating control design from control application effectiveness. As well as provided more wholesome reporting to the board that indicated the timeliness of audit action plan completion, as well as aggregate data demonstrating how the business was fairing overall.Also worked in conjunction with IT, a third party and operational business units to create an online member onboarding platform.

Kitchener,On

My responsibilities included analyzing debit card fraud, online banking fraud, wire fraud, and cheque fraud.I completed the annual filings for FATCA and CRS. Rebuilt the AML Compliance Regime as per the PCMLTFA/R updates. Rebuilt the member onboarding documents for retail and commercial clients to ensure all required data was being collected at onboarding for AML, FATCA/CRS and CASL compliance. Created and implemented annual AML training, as well as 1:1 employee onboarding training for fraud, policy understanding, and business structure understanding. Worked collaboratively with the Business Intelligence team to create automated dashboard reporting for AML, FATCA and CRS compliance. Whereby, staff who made errors recieved alerts they were required to correct. Also, aggregating the information for across business management to view in order to assist in coaching. I also built automated fraud reports within Oracle BI, to ensure consistent member experience no matter whom they speak to (call center, or branch staff) and quick and effective fraud management in the back end. Managed the fraud budget for the Credit Union, and completed monthly and quarterly reporting to the Chief Financial Officer, indicating fraud trends, alignment with the budget, and AML filing trends which then flowed to the Board. Reviewed cash allowances for each branch, to ensure the holdings were within insurable limits, and were reasonable based on the flow of cash in and out of each particular branch.Some policies and procedures I have written are: Member Identification, Fraud Management, Anti-Money Laundering, Enterprise Risk Management, Privacy, CASL and Transactional. Also assisting the internal audit program by completing operational engagements within the Southern Ontario Region of the institution which included but was not limited to 19 branches of the financial institution. As well as providing ad hoc responses to questions of risk and compliance to all business units.

Sudbury, Ontario, Canada

Working with personal credit information for multiple banks. Analyzing credit history, spending patterns and initiating conversations with clients to validate fraud on accounts, through account takeover or identify theft. As well as initiating investigations into fraudulent purchases for 5 different financial institutions contracted by TSYS. I also completed Quality Assurance documentation for the calls that took place by the fraud team in conjunction with the supervising manager.