PABLO CUBI

CERTIFIED ANTI-MONEY LAUNDERING SPECIALIST

** ***** ****** *****, *** Windsor,

New York 12553

845-***-**** (Home)

908-***-**** (Cell)

E-mail: ab9i36@r.postjobfree.com

AML Compliance professional seeking a position to further advance career in

the financial industry with emphasis on customer on-boarding, CIP/KYC

quality assurance, risk assessments, and overall compliance with the Bank

Secrecy Act, OFAC, U.S. Treasury Guidance (FinCen), and other related

regulations governing financial institutions.

EXPERIENCE:

Depository Trust & Clearing Corporation ("DTCC"), New York, NY

March 1987 - April 2012

Manager - Due Diligence Team (August 2007 -

April 2012)

. Recruited internally by DTCC's Compliance Department as a customer on-

boarding subject matter expert to help establish a robust Customer

Identification Program (CIP) and Know Your Customer (KYC) Program subject

to the full requirements of the Bank Secrecy Act. This project included

identifying all DTCC customers; conducting a remediation of existing

files and build of new KYC customer files; providing business units with

CIP/KYC compliance oversight, advisory, quality assurance and Enhanced

Due Diligence functions.

. Collected CIP/KYC documents which included IRS tax forms, organizational

and registration documents, Beneficial Ownership, Regulator and Exchange

Listings, and AML questionnaires. Performed "negative news" searches,

Politically Exposed Person (PEP) research, Enhanced Due Diligence for

"High Risk" customers, OFAC searches, reviews of Patriot Act Certificates

(PACs), Section 311 Special Measures notifications, and investigations

and pre-SAR memos of customers subject to transaction monitoring alerts.

. Collaborated on the initial Customer AML Risk Assessment model for DTCC's

banking subsidiary to measure inherent AML risk which led to the

development of an automated Customer Due Diligence solution to calculate

the AML risk rating for each customer utilizing technology acquired from

Norkom Technologies.

. Designed the conceptual framework for an enterprise-wide Customer AML

Risk Assessment model for all of the DTCC subsidiaries by taking

advantage of the existing methodology and technology to reduce

implementation costs.

. Drafted AML CIP/KYC compliance policies and procedures and conducted the

"final" layer of quality assurance reviews and risk rating validations of

over 1000 KYC customer accounts.

. Performed Product and Services and Business Unit AML Risk Assessments,

OFAC risk assessments, and Geography (Country) Risk, which resulted in

applying risk rankings to determine the overall composite AML risk to the

organization.

. Met all of the deliverables under a federal regulator action plan to

establish the CIP and KYC Programs from the ground up for DTCC and its

U.S. and U.K. subsidiaries, meeting all internal, external and regulatory

requirements reducing AML and operational risk to the organization.

Manager - Account Administration ("Customer On-boarding Team") (November

2000 - August 2007)

. Managed the daily operational function of the DTCC Customer On-boarding

Team, working closely with DTCC's Legal and Compliance Departments,

Relationship Management, and Enterprise Risk Management groups to on-

board equity, fixed income, mortgage back securities, mutual funds,

transfer agents, alternative investment products, and derivatives

customer accounts.

. On-boarding process included establishing and monitoring "new customer"

registration portal, collecting and reviewing membership agreements,

financial statements, legal opinions, IRS tax forms, regulatory history,

performing OFAC searches on international clients transacting in

derivatives products, and interfacing with government regulators and

designated examining authorities.

. Coordinated and delegated work assignments, evaluated performance,

established area goals and managed overall customer expectations and

deliverables.

. Represented and lead department in internal and company-wide initiatives

to develop on-boarding process for new customers domestically and

internationally for expanding products and services; and improved client

on-boarding experience by reducing and consolidating application

paperwork and creating process efficiencies to reduce overall on-boarding

time.

. Designated as the department's AML Compliance Liaison in 2005 to provide

subject matter expertise and lead departmental efforts to initiate and

establish the beginnings of a CIP and KYC Program.

Legal Assistant, Compliance Analyst, Supervisor

(March 1987 - November 2000)

. Held various positions and received job promotions in Corporate

Compliance (Legal) and Membership Operations; performing regulatory

compliance, SRO rules enforcement, credit risk analysis, risk management,

customer on-boarding, IRS tax form reconciliations, account exit

facilitations, account surveillance, account maintenance, and master file

system updates.

Stroock & Stroock & Lavan, New York, NY October

1984 - March 1987

Corporate Law Paralegal - Performed all aspects of securities registration

and compliance under State's "Blue Sky" Laws; participated in the

preparation of materials for public and private offerings; mergers and

acquisitions; and conducted general due diligence and corporate

housekeeping.

EDUCATION:

Adelphi University, Garden City, NY

Bachelor of Arts - Sociology

Adelphi University, Garden City, NY

Certificate of Paralegal Studies in Corporate Law - Lawyers Assistant

Program - ABA Approved

CERTIFICATION: Certified Anti-Money Laundering Specialist (CAMS)

KNOWLEDGE/SKILLS: Microsoft Word, Excel, PowerPoint, Outlook; Lotus Notes,

Bankers Almanac, World Check, Lexis Nexis, SharePoint,

Norkom - Customer Due Diligence Application, Accuity

(OFAC Checks)

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