• Lead enterprise-wide AML, Economic Sanctions, and Fraud Investigations programs• Lead ~1100 staff in all facets of global financial crimes programs reporting to the Chief Compliance Officer• Interact with U.S. and foreign law enforcement and regulatory agencies• Lead Enterprise Financial Crimes Compliance (EFCC) Policy and Risk Management functions supporting Retail Banking, Wealth Management, Wholesale Banking, Payments, and all Corporate Functions including North America and Europe.• Set strategic direction for enterprise financial crimes program including board and executive reporting, risk management, program management, policy, risk assessment, monitoring, investigations, and operational functions.• Work directly with Chief Risk Officers and Business Heads to set direction for Financial Crimes program implementation including enterprise staffing, technology, and budget planning.• Point of escalation for significant events such as major cases, de-risking decisions, regulatory deficiencies, and senior management and board inquiries.• Represent U.S. Bank in several peer group round-table discussions and industry events including speaking at AML conferences.

• Led Global AML team responsible for oversight of International Personal Banking teams in Miami, New York, Singapore, Hong Kong, and London.• Interacted with global and regional senior business executives to drive a culture of AML compliance.• Oversaw execution of key AML initiatives and closure of regulatory issues. • Regular interaction with regulatory bodies.• Responsible for coordinating consistent approaches across wealth and retail businesses.• Point of escalation for significant AML investigations and key regulatory deliverables.

•Lead Deposits,Payments, and Consumer Technology and Operations Compliance team to independently oversee business function for compliance with applicable regulations •Responsible for oversight for Regulations D, DD, E, II, GG, CC and UDAAP•Provide appropriate advice and counsel to business executives on strategic business changes•Oversee management and development of Compliance activities including risk assessments, monitoring, testing, issue management and advice and counsel to deliver a ‘strong’ compliance rating.

•Lead AML Risk Management team supporting Global Consumer Banking including including all consumer products, channels and supporting technology and operations functions•Provide guidance to line of business executives on escalated issues and complex product or strategy issues•Lead AML Investigations staff across 4 cities that investigates unusual customer behavior•Voting member of the AML Risk Committee to weigh in on key AML issues / strategies

Manage Operational Risk Team responsible for Baseline Assessments of Risk (BAR), Operational Loss reporting (OpVar), Line of Business Self Assessments (LOBSA), and Operational Risk metrics and reportingResponsible for developing and implementing an operational risk program in Small Business .Responsible for conducting Baseline Assessment of Risks (BAR). Responsible or uncovering key business issues, designing controls, and overseeing risk remediation.Responsible for reviewing and approving Universal Change Risk Assessments (UCRA) for key changes in the business.Responsible for ongoing review and oversight of the business to uncover and remediate risk issues.Member of the Mass Compromise working group to triage and manage major fraud events.

Responsible for developing and rolling-out an enterprise wide operational risk management framework.Responsible for reporting high-level operational risks to the board of directors on a quarterly basis.Work directly with Chief Operating Officer and Chief Risk Officer to identify high level trends in operational risk and work with other senior level leaders to ensure appropriate mitigating controls are established.Responsible for reviewing operational and product strategy as well as significant policy changes to evaluate impact to the operational risk profile of the bank.Oversee enterprise wide Business Unit Risk Assessment process. Process entails senior executives self assessing major risk categories (credit risk, market risk, reputational risk, operational risk, etc.) and reporting results on a quarterly basis to the CEO.

Responsible for corporate AML policy and ensuring policy adherence in all RBC Centura lines of business.Accountable to ensure lines of business' procedures align with the corporate AML policy.Responsible for the AML Risk Assessment framework including Business Unit AML Risk Assessments, product risk assessments, geography risk assessments, and the action plans that result from the assessments.Responsible for maintaining the Client Risk Scoring strategy and the high risk customer base.Act as a liaison between the AML Officers in the field and AML Compliance.Responsible for maintaining the AML metrics strategy.Responsible for oversight and execution of the AML Training and Communication.Acted as interim BSA Officer for four months. Responsible for AML program and regulatory examination during that period (Federal Reserve Board).BSA Officer for RBC Capital Markets, New York, responsible for developing and executing a program development plan and leading a regulatory examination (OCC).

Led technology delivery team of developers, testers, and documentation specialist to ensure delivery of AML technology solutions. Responsible for performance reviews, hiring and retention of staff.Led and coached technology project managers to ensure consistent, high quality project management deliverables.Co-invented the Bank of America AML Risk Rating concept. Now patented by BofA Bank of America for sale to other global financial institutions. .Influenced architectural change in technology that greatly reduced speed-to-market of risk technology applications.Developed "best-in-class" technology design documentation now used as a standard in technology organization.

Creator and owner of Bank of America's enterprise AML Risk Rating strategy. Responsible for global adoption and execution. Bank of America has patented the newly created AML Risk Rating strategy and technology.Asked by senior leadership to join enterprise-wide AML program management office to develop global AML enterprise standards.Responsible for prioritizing all AML initiatives enterprise-wide to ensure resources are being utilized in the most appropriate manner to support executive priorities.Lead strategic initiatives to ensure compliance with major US / international money laundering legislation while ensuring the least impact to business profitability.Manage communication with line of business relationship managers to ensure the most up-to-date AML information was disseminated as quickly as possible.Act as liaison between AML Technology and Corporate AML Compliance.

Leader of USA PATRIOT ACT driven DFSS project. (Designed for Six Sigma)Led project to develop a new corporate wide anti-money laundering / anti-terrorism process. Process recognized as "best-in-class" by industry leaders.Led workgroup of senior compliance leadership to develop planning to oversee corporate anti-money laundering and anti-terrorism activities.Directed junior project associates on Six Sigma and project fundamentals.

Member of the Next Generation Project - Conversion of over 4000 financial sites to new LAN / WAN infrastructure. Member of Core Team. Developed and reviewed all Project Managers processes for efficiency. Provided feedback and initiated change to bridge gaps in deployment. Ownership of proof of concept and roll out of a web based deployment-tracking tool.

Led a team that documented and managed change for more than 250 operational processes. Introduced and instituted a process management / change management strategy (DFSS - Designed for Six Sigma) and developed a tracking tool to support the strategic vision. Chosen to lead the Program Office of the Asset Management Account integration portion of the Prudential Securities merger.Developed Program Office strategy for Retail Investment Group to centralize project management to reduce work overlap and ensure projects worked within scope.Developed multiple operational databases for client escalation cases

Reported to president and led team of five department managers. Nationally ranked computer distributor.Managed corporate budget of $15Million. Led team of call center based inside sales representatives, which included ensuring customer satisfaction, monitoring employee interaction, and approving major sales.Conducted performance reviews and oversaw all hiring and retention of staff.Analyzed new purchases business solutions and technology needs to determine ROI.Oversaw daily administration of Windows 2000 environment. Installation and maintenance of SQL Servers, Exchange 2000 Servers, ISA Servers, and Windows 2000 Advanced Servers.Directed the design and implementation of profitable e-commerce, B2B package that allows virtual warehousing and order fulfillment for computer resellers. Developed and maintained vendor relationships with companies such as Microsoft to ensure marketing and sales teamwork between distributors and manufacturers. Evaluated workflow and implemented findings in the design of 20,000 square foot, $1 Million production facility that enabled the company to produce and ship ten times more orders.Recognized as a leader in South Carolina technology growth in Columbia Business Monthly and The State newspaper. Invited to join Governor's Task Force on Technology that concentrates on bringing high-tech companied to South Carolina.Grew business profitability over a 2-year period from $10,000 per quarter to $10,000 per month through process redesign and personnel changes.

Decreased inventory loss from approximately $10,000 per quarter to less than $1,000 per quarter by implementing personnel checks and balances and inventory management procedures.Negotiated purchase and lease terms of state-of-the-art call center system that allowed sales representatives to manage multiple calls in a queue environment.Implemented sales movements into new regions.

Sold computer hardware and acted as first line consulting for resellers and integrators.Managed all aspects of sales including presales support, credit issues, terms and conditions, and post sales follow-up.

Principal partner of computer consulting firm.Directed a team of six people who sold and supported the company's hardware, software, network applications and operations.Designed and implemented Internet / Intranet solutions for local and statewide companies.Designed and implemented WANs with Lucent Technologies wide area network solutions.HTML, C++, and COBOL based application design and implementation.