Mike Vail Email & Phone Number

United States

Fort Mill, South Carolina

- Working with Wholesale Banking, Enterprise Functions complex lines of business complete validation coverage activities to assess the adequacy of AML policy corrective actions that address the risk and control issues identified by regulators, WFAS, or compliance testing examinations.- Exhibit creditable challenge and evaluate the adequacy and effectiveness of policies, procedures, processes, and internal controls while maintaining professional independence throughout the engagement. The ability to quickly learn different BSA/AML processes across multiple Lines of Business.- Document end-to-end process flows including dependencies, controls, inputs/outputs, systems, gap identification, etc.- Provide AML/compliance expertise and potential solutions to identified gaps and associated risks as applicable to the different Wholesale lines of business.

Charlotte, North Carolina, United States

- 2022 National Day of Human Trafficking Awareness award from the Charlotte Triage Pro Bono Partnership for survivor credit restoration. - Review survivor’s credit reports and note any errors, overdue negative information, unknown accounts, or credit inquiries. Determine trafficking timeline and consult with creditors to have survivor’s accounts expunged.- Created Victimization Verification and Consent to Release of Information documentation. These documents confirm that the individual has been identified as a victim of Human Smuggling/Trafficking & Sexual Exploitation by Homeland Security Investigations (HSI).- Wells Fargo Modern Slavery Working Group (MSWG) volunteer collaborated on a number of initiatives that help victims and survivors of human trafficking. This group helps to identify, assess, and mitigate human-rights risk for a range of human rights issues.

Fort Mill, South Carolina

- Reporting AML review results for all regions (NAM, LATAM, Mexico, Japan, APAC and EMEA) to identify trends and areas of emerging risks and communicate analysis to internal stakeholders to ensure consistency in approach to monitoring and addressing AML emerging risks.- Analyze the results of testing and review activities. Analyze exceptions and make recommendations to enhance internal controls and/or increase the efficiency of operations. Ensure that testing is accurate, complete, and in accordance with standards and protocols. Communicate test/review results and issues/concerns to management at the LOB and/or enterprise level, validating and recommending resolutions to issues.- Pre-closure testing OCC consent order projects include cash vault services, account closures, merchant acquiring/partnership processing, customer cards transaction monitoring, foreign exchange (FX) operations and new payment method products (NPMP).

Fort Mill, South Carolina

- Execute investigations based on Client-On-Boarding; Maintenance; Transaction Monitoring referrals; Government sources and Referrals from business partners and other control areas.- SAR filing and recommend relationship retention or termination, and track account closures as required.- Work closely with AML Partners; AML Advisory, RPM, CSIS, AML Legal Council, and Law Enforcement throughout the duration of an investigation.- Enterprise-wide responsibilities include; Global coordination of High-risk investigations, reputational risk matters coordination with legal and CSIS and conducting name searches, reviews and submitting reports to FinCEN.- Liaise with CSIS and provide oversight of CSIS investigators dedicated to AML File SARs and recommended relationship retention or termination, and track account closures as required.- Serve as point of contact on matters that impact an investigation or involve law enforcement contact. - Proficiencies: Actimize, LexisNexis, KYC, Eclipse, FileMaker, SAR Database, OnDemand, Citismart

Charlotte, North Carolina Area

Look Back Project for local bank in New York City- OFAC (Office of Foreign Access Control) experience reviewing and enhancing OFAC compliance program structure and procedures for a major U.S. bank.- Conduct Risk Management research and security investigations for large financial institution out of New York City.- KYC (Know Your Customer) research and investigations.- Maintain a good understanding of the BSA regulations; FinCEN guidelines relative to BSA Suspicious Activity Reporting (SAR); current money laundering schemes; and investigative techniques required to detect such schemes. Documents results of investigations and meets reporting requirements of both internal and external entities set forth by BSA regulations and unit policy.- Proficiencies: TransferWise, Bankway System, Fidelity Information Systems (FIS), Tableau and OFAC Sanctions List Search.

Wilmington, Delaware

Look Back Project for Large International Bank in Wilmington, Delaware- One of the top performers (honor roll) out of over 150 employees in quality and quantity for remediating alerts/cases. - Research (KYC, CDD, and EDD), perform forensic transactional analysis, and investigate customer's entire account portfolio for potential Anti-Money Laundering (AML)-related suspicious activity that is referred by Suspicious Activity Research Analysts. Investigates and files Suspicious Activity Reports (SAR) within regulatory timeframes and in accordance with BSA/AML Compliance Operations policies and procedures.- Address sanctions alerts, and other applicable AML processes in accordance with regulations and time limitations. Escalate issues as appropriate for advanced investigations and analysis- Manages multiple technically complex cases such as Third Party Payment Processors (TPPP), Money Service Businesses (MSB), Politically Exposed Persons (PEP); involving matter such as multiple relationship accounts, tiered and multi-faceted transactions, international wires involving bank designated high risk jurisdictions, and complex cash structuring schemes.- Proficiencies: LexisNexis, World Check, Actimize Case Management System, Knowledge Link, and Tableau.

Columbus, Ohio Area

- Provide critical expertise and resources to help clients identify, assess and manage the risks associated with money laundering and terrorist financing.- Administers essential workflow functions such as; documenting complex cases; ensuring that Suspicious Activity Reports (SAR) narratives include all pertinent data elements; Non Suspicious Activity Reports (SAR) decisions are thoroughly substantiated, complying with federal interagency guidance and internal Bank policies and standards.- Proficiencies: Actimize Case Management System, Passport/Hogan, LexisNexis, World Check, SAS System

Buffalo/Niagara, New York Area

EDD Look Back Project- Enterprise Case Management (ECM) – Documentary Verification, International Wire transfers.- Know Your Customer (KYC) reviews, Transaction Analysis, Suspicious Activity Reports (SAR’s), High Risk Account reviews, Enhanced Due Diligence for moderate and high-risk customers.- Manages multiple technically complex cases such as Third Party Payment Processors (TPPP), Money Service Businesses (MSB), Politically Exposed Persons (PEP); involving matter such as multiple relationship accounts, tiered and multi-faceted transactions, international wires involving bank designated high risk jurisdictions, and complex cash structuring schemes.- Develop and implement automated transaction monitoring rules, reports, and other processes designed to identify activity potentially indicative of criminal behavior.- Proficiencies: Enterprise Case Manager (ECM), World-Check, Mantas, LexisNexis, KYC, and Internet Research.

Buffalo/Niagara, New York Area

SAR Reporting Project- Top 5 in 2015 among 85 employees with cases remediated and completed.- Presented SAR reports and recommendations in weekly management committee meetings and attended FIU/BSA/AML training to stay current with laws and regulations: Add new skills and capabilities relevant to the FIU/BSA/AML field.- Provide feedback to investigative and assist with other SAR-related functions, including developing, documenting and communicating guidance for how to conduct and document SAR-related investigations; identifying and analyzing quality-related and substantive SAR patterns and trends; setting standards for suspicious activity filings.SEI Look-Back Project – Wilmington Trust Bank- Utilize Trust 3000 accounting system by providing securities processing and investment accounting for all types of domestic and global securities, and support for multiple account types, including personal trust, corporate trust, institutional trust, and non-trust investment accounts.- Proficiencies: Enterprise Case Management (ECM), Case Management Tool (CMT), PARC Fund Tech System, Oracle RRS System, On-Line Portfolio, Documentum (ICS) and Internet Research.

Buffalo/Niagara, New York Area

- Act as oversight and security agent for management and customers. Observe casino or casino hotel operation for irregular activities such as cheating or theft by either employees or patrons. May use one-way mirrors above the casino floor, cashier's cage, and from desk. Use of audio/video equipment is also common to observe operation of the business. Usually required to provide verbal and written reports of all violations and suspicious behavior to supervisor.- In compliance with all applicable laws, regulations, and company policies and procedures, conduct due diligence background investigations on vendors, lobbyists, junket reps, and individuals in a timely and efficient manner. Conduct special investigations and support other investigations, as needed.- Monitor and control entrances and exits to and from premises in order to prevent unwanted/unauthorized attendance.

Amherst, New York

• Worked under technical team leaders on phases of Risk Management, Data Loss Prevention and Payment Card Industry standards. • Collaborated with the Enterprise Governance, Risk and Compliance team. • Interacted on a regular basis with other technology personnel on infrastructure and capabilities associated with various computer platforms.• Collaborated on intranet site through Share Point platform.

• Shadowed computer forensics team in data recovery, corporate computer investigations, • Assisted in development of forensic technologies and applications.

- Surveillance Department intelligence collection and documentation.- Created intranet site for Crime Analysis Center and Buffalo Police Department.- Gather, compile, and interpret data from crime reports to determine trends in a particular geographic area.- Help law enforcement agencies and detectives focus on areas of concern, growing problems, and areas in a particular jurisdiction where crime prevention techniques appear to be ineffective.

Buffalo/Niagara, New York Area

GM/American Axle &Manufactiring- Obtained and performed appropriate analysis of data to assess risk(s), developed audit program to address identified risk(s), prepared the audit planning memorandum, conducted appropriate audit tests, and ensuring that testing is completed as scheduled and documented in compliance with departmental standards- Constantly monitoring progress of the audit, maintaining constructive relationship with business unit personnel, and keeping senior audit management informed in a timely manner of the progress and issues identified during the audit- Implemented specifications under ISO 9000 policies and procedures.- Implemented physical security policy and procedural guidance. Maintained a broad knowledge of physical security areas so that technical and operational guidance and policy can be provided to management.- Handled security classification education, including the coordination and conducting of security briefings. - Physical security evaluations for access to and control classified information.- Audited internal processes prior to the client or customer receiving the product or service.- Tracked audit results, reporting of errors, and communicating opportunities for improvement to training, process team and Operations Management.- Implemented specifications under ISO 9000 policies and procedures.

B.S. Economic Crime Investigations, (Honors)

A.A.S., Information Technology Degree With Concentrations In Systems Security And Web Design

A.S., Marketing