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Work experience

Aug 2010Present

Compliance Consultant (contract)

Newedge USA, LLC

Responsible for oversight of all activities to ensure compliance with applicable Patroit Act, rules and regulations.  In addition to relevant baning, domestic and foreign exchanges and regulators, and NULI's internal procedures. 

  • Perform in-depth KYC profile review and determine KYC renewal profiles and requirements of existing clients.
  • Ensure KYC renewal profile package is complete in accordance with firm's information and documentation requirements.
  • Revuew background screening results for derogatory information.
  • Maintain accurate database tracking regarding the requests for KYC renewals as well as logging KYCs on a daily basis.
  • Update KYC Document Management database with KYC renewal information.
  • Prepare and submit reports to management on status of KYC renewals.
  • Work with the various sales teams and sales management staff.
  • Other duties or projects, as assigned.
Jan 2008Apr 2009

Compliance Manager

Bank of America

Provided key Global BSA/AML program health metrics to Regulators, Executive Management and relevant lines of business.Also responsible for forging strong partnerships within Global AML, Lines of Business and the Global AML PMO and other technology and data standards groups to define and implement key value-added program health metrics and monitoring processes, while driving consistency of approach and harmonization of BSA/AML metrics across the enterprise.

  • Responsible for the development and execution of the AML Compliance Testing Program by applying the elements of regulatory bank exams through appropriate testing and review of the businesses. 
  • Worked closely with the Audit, Regulatory Compliance, Risk Management, Global AML Compliance and other departments to ensure an effective compliance testing program.The testing included reviews of data samples captured by lines of business and comparing samples to written procedures; testing transaction monitoring, investigation and reporting practices against procedures and testing global procedures against applicable legislation and regulations.
  • Analyzed compliance review findings and perform root cause analysis; distinguish between various levels of compliance risks while applying a risk based approach to determine process gaps or deficiencies.
  • Identified and assist in resolving compliance control gaps and make recommendations for enhancements where necessary. Ensure appropriate corrective action plans are in place and validate/track action plans to implementation.
  • Communicated compliance testing program information as well as results to Senior Management and lines of business (LOB). 

Recent Accomplishments

Successfully established defined Global AML Dashboard requirements, determined ownership/production responsibilities, defined, developed and implemented collection, approval, distribution, escalation and maintenance processes over the following projects:

1.Global AML Dashboard

2.Executive BSA Program Health Metrics and Reporting

3.Regulatory BSA Program Health Metrics and Reporting

4.Line of Business BSA Program Health Metrics and Reporting

5.Project Indigo (Spirit Medallion Recipient)

Jul 2006Jan 2008

Compliance Specialist (AVP)

ABN AMRO / LaSalle Bank (merger with Bank of America)

Advised and supported the business unit with compliance issues to ensure that both global and local compliance policies, standards and requirements are fully adhered to.Provided verbal and written recommendations about compliance-related issues – including provision of information – to internal and external stakeholders.

·Took an active role in strategic and policy issues regarding compliance and regulatory matters affecting the business in the country.

·Developed compliance policies and procedures that meet compliance standards and monitors the implementation.

·Increased compliance visibility within the business locally. 

·Executes assignments according to the Group Compliance policies and guidelines.

·Gathered, analysis and presents information for periodic management reports.

·Retained control over the audit trail in relation to compliance issues.

·Executed the department’s monitoring program procedures as assigned.

Jun 2004Jul 2006

Internal Audit / Risk Management

Assisted Senior Vice President of Risk Management in determining areas of risk appraised their significance and developed appropriate audit review scope and frequency.Planned, directed, supervised and reviewed the work of audit staff in the performance of operational audits of organizational and functional activities of the company and in performance of other reviews, projects and tasks.Completed detailed Branch Audits.Maintained and facilitated the yearly risk management program.Reported on bank adherence based on recommendations by regulatory and internal/ external consultants.Facilitated maintenance of good working relationships and improved communication flow between the internal audit department and company management, external auditors and others as appropriate to support the department's function and mission.Responsible for the following areas concerning Sarbanes-Oxley Internal Testing:

  • Worked closely with outside SOC consultants in support of Section 404 compliance
  • Maintained the internal control monitoring system to support management's assertions required by Section 404
  • Coordinated quarterly processes, owner certifications and updating internal control documentation.
  • Maintained cycle information for risks, controls, surveys, narratives and process flows.
  • Identified control gaps, worked with process owners to document action plans and monitor cycle owner progress on action plans.
  • Assisted in the design and execution of resolution plans for testing discrepancies.Coordinated information gathering for external audit testing and analysis relating to SOX compliance.
  • Consistent up-to-date on all audits and internal controls reviews performed and assess their applicability to SOX compliance.
  • Assisted in developing and implementing a standard business process documentation plan, to assist in the identification of risks, and changes to existing system of internal control.
  • Executed new initiatives to ensure adherences to SOX requirements are met.
  • Initiated special projects, such as internal control projects and others as warranted.
Oct 2002Jun 2004

Regional Compliance Officer

Assisted in developing and implementing compliance programs and reporting requirements to ensure compliance with Federal/State laws and regulations in the lending arena. Provided input and guidance to all compliance personnel for the Bank to ensure consistent and accurate compliance with regulations. Tested effectiveness of policies and procedures through monitoring for assigned lending and retail areas. Coordinated duties of the banking centers and affiliate personnel in collection and reporting of compliance data. Interacts with examiners and internal auditors in reviewing Bank’s programs. Monitored schedules and prepares reporting and analysis of all findings for review by Board of Directors. Addressed and correct issues raised in all audits and exams.

  • Developed and maintained an effective compliance program. 
  • Assisted in development and updating of compliance policies and procedures throughout the organization. 
  • Maintained current copies of laws, regulations and official commentaries/interpretations. 
  • Kept abreast of regulatory and industry developments relative to compliance matters and assists others in the implementation and ongoing adherence to authoritative guidance.
  • Ensured appropriate personnel receives required compliance training, and disseminates information to appropriate parties.
  • Monitored ongoing activities and operations of Midwest Banc for compliance, report findings to management, and Board of Directors, and ensure corrective action is taken as deemed appropriate.
  • Responsible for “first-line” support on compliance matters and coordinates external legal assistance on compliance matters.


Sep 2010Present

Six Sigma Certification

Depaul University
Sep 2010Present

Project Management Certificate

Depaul University
Dec 2004Dec 2006


Webster University
Jan 1989Jan 1993



Career Goal: Retail & Commercial Compliance / Internal Audit / Risk Management

• Financial services consumer compliance monitoring, risk, auditing and examination experience • Experience within retail banking operations, both deposits and lending • Ability to analyze and apply consumer and commercial lending and deposits regulatory requirements • Prior Audit and Regulatory Agency experience. • Strong problem-solving and conceptual thinking skills • Strong oral and written communication skills • Self-directed; ability to develop schedules/project plans and work autonomously to meet deadlines • Strong attention to detail


Results-oriented compliance and internal audit professional with fifteen years of experience in the banking and financial industries.Experienced and comfortable consulting with all levels of staff and management. Diverse background and experience in all areas of risk management, with expertise in regulatory compliance, risk management and BSA/AML investigation.


Debra Toll

Bob Moriarty

Jean Kelm

Frank Osborn

Gwen Benton

Michael Leonard