Quality Assurance Sales

JOLUE ALOYSIUS TARLUE

*********@***.***

*** ******* ******, #** (917) 436-

**** *********, ** *****

SUMMARY

Compliance and Risk Officer with extensive, diversified experience in

internationally known banks and financial services firms; with over 5-years

of previous KYC/AML risk & compliance experience as it pertains to

institutional clients and High Net Worth KYC/AML policies and procedures;

with a thorough understanding and application of the USA Patriot Act and

BSA; with an ability to recommend process improvements for KYC/AML policies

and procedures. Highly analytical with excellent skills in interpretive

thinking and evaluative judgment; adept at recognizing, researching, and

resolving false positives. Possess investigative expertise, including

surveillance and investigation of suspicious transactions, account

analysis, and client / transaction due diligence (including internet and

Lexis/Nexis searches). Possess good interpersonal and strong communication

skills and strong PC skills (MS Office, MS Excel, Word, Access, PowerPoint)

WORK EXPERIENCE

03/2008 ~ Present BNY Mellon, N.A., One Wall Street, New York, NY

10286

KYC-AML-Quality Assurance Officer

. Understand and apply all aspects of the Sector KYC/AML policy and QA

procedures in the completion of their new account review and approval

process.

. Review and approval of all new Wealth Management account submissions

and material changes in a thorough and expeditious manner.

. Ensure all new Wealth Management accounts and material changes

reviewed and approved are in compliance with all of the KYC/AML

policies and procedures.

. Serve as subject matter experts as appropriate to all internal

customers on the review, approval and client acceptance policies and

procedures.

. Participate, contribute and execute on all administrative and

reporting functions required for the business including the QA log,

escalation and exception tracking and management reporting.

. Maintain all systems and applications as appropriate for the KYC/AML

process including internal Seibel based systems and Lotus Notes.

. Respond to all requests by either internal customers, business

partners or management within agreed upon timeframes to meet all

deadlines.

04/2007 ~ 02/2008 Deutsche Bank, 60 Wall Street, New York, NY

Risk Officer, Client Adoption Management, Trust and securities

Services (TSS)

. Prepared Know Your Client (KYC) Files.

. Determined a client's risk level for Deutsche Bank.

. Worked closely with Relationship Managers in researching important

information about our clients.

. Ensured that all clients have proper documentation that is required by

Deutsche Bank.

. Documented any changes that have occurred within the client's history

at Deutsche Bank.

. Supported our corporate sales team in high and low risk account

opening procedures.

. Interfaced with compliance, sales, legal and anti-money laundering

departments.

. Monitored client transactions and comply with Anti Money Laundering &

Fed regulations.

. Approved, review, interpret & apply extensive Domestic and

International KYC risk issues based on AML Compliance Policies and

Government guidelines.

. Prepared employee manual for the Trust Security & Services Department.

. Trained new and junior level employees for the Trust Security &

Services Department.

. Researched information on all clients using major search engines.

. Finalized all transactions for the Trust Security Service new client

adoption process.

03/2004 ~ 04/2007 MERRILL LYNCH, WORLD FINANCIAL CENTER, New York,

N.Y.

AML Compliance Analyst ~ Client Regulatory and Profile

. Reviewed and evaluated historic due diligence conducted on existing

clientele

. Ensured compliance grandfathering provisions established by the US

Patriot Act as well as Institutional KYC policy

. Researched clients through approved third party sources

. Coordinated 'Know Your Client' efforts with internal clients to

reconcile undocumented accounts

. Generated weekly undocumented account reports and log communication

records

. Verified legal documentation for institutional and private clients to

comply with U.S. Patriot Act AML measures

. Ensured effective record keeping and documentation retention policies

have been adhered to

. Reconciled data from several Client Data systems

09/2001 ~ 03/2004 HSBC (Household Insurance), Bridgewater, New

Jersey 08807

Compliance Officer

. Reviewed and analyzed new and existing state legislative and

regulatory requirements

. Communicated regulatory and policy changes to the affected businesses,

and outlined the impact of noncompliance

. Drafted contract form, administrative forms and procedures,

determining required language for state compliance and negotiating

with state regulators on complex requirements.

. Reviewed sales and marketing literature for compliance with state laws

and regulations, and consistency with contracts.

. Kept abreast with changes in the regulatory environment and

implemented changes to processes as a result of regulatory updates and

communicated the regulatory updates and process changes

. Tracked and filed deadlines, liaised with regulatory bodies, and

responded to regulatory inquiries

. Prepared and maintained supervisory procedures manual with pertinent

revisions based on periodic updates

Technical skills

OFAC, Lexis/Nexis, Dun & Bradstreet (short and long versions), Factiva,

Regulatory Data Corp (RDC), World Check, Preventative Crime Research (PCR),

HOOVERS, London House, SEDAR, EDGAR, SEIBEL CRM, SALESFORCE, FORTENT,

Choice Point, Lexis-Nexis, Banker Almanac, Investment Advisors, MANTAS,

Regulatory List Screening Utility (RLSU), Global Documentation System

(GDS), WestLaw, EBSCO, Dialog, Data Mining, Competitive Intelligence

Research

Working knowledge of Bank of England and United Nations Lists, SDNs, grey

restricted list, and Transparency International Screening Lists of

Sanctioned individuals and/or entities

Working knowledge of bank and broker dealer AML/KYC/BSA/Tax/FSMA and USA

Patriot Act laws and regulations, CIP, SAR, Sarbanes-Oxley, Interpretation

of FinCEN 311 sanctions, FATF, NCCTs, NASD (in particular Rules 3010, 3012,

3013), SEC, FFIEC Examination manual, NAIC guidelines and State securities

and insurance regulations. Ability to draft Suspicious Activity Reporting

(SAR) when applicable

EDUCATION

Master of Public Administration -MPA (2001)

Kean University, Union, New Jersey 07083

BA History/Political Science (1987)

King College, Bristol, Tennessee

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