Management Customer

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M A N A G E M E N T P R O F I L E

? Internal Audit ? Compliance ? Operations ? Team Leadership ?

Internal Audit and Compliance Risk Management Professional in the

banking/finance industry. Strong knowledge of internal control concepts in

accordance with IIA standards and Generally Accepted Accounting Principles

(GAAP). Extensive knowledge of all compliance regulations (A-Z) and

Sarbanes-Oxley Act requirements. Heavy concentration in Bank Secrecy; Know

Your Customer; Customer Information; Anti-Money Laundering; Currency

Transactions and Suspicious Activity Reporting. Broad background in

handling difficult projects with proficiency, speed and particular

attention to detail. A valuable addition to team environment or in an

autonomous position.

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ABA Compliance School Certificate, 2009

ABA/ABA AML/BSA Seminar-Washington, DC, 2007 & 2008

IIA Internal Quality Assessment Certificate, 2006

IIA Money Laundering RED Flags, 2006

P R O F E S S I O N A L E X P E R I E N C E

INVESTORS SAVING BANK, Short Hills, NJ

2007 to 2009

Staff Auditor/Compliance Auditor

? Created, implemented and maintained the integrity of the

audit work performed.

. Created and implemented procedures and process for the banks

compliance audits

. Reviewed and evaluated the effectiveness of Policies and Procedures

and related internal controls at both the branch and corporate

level in accordance with GAAP and IIA.

. Reviewed and evaluated compliance with federal and state banking

laws for all 63 branches; departments and Mortgage Company of a $7+

billion dollar bank.

. Carried out detailed risk analysis and prepare audit plan and audit

program per FFIEC guidelines; federal regulations (alphabet soup A

to Z); FDIC regulations and state guidelines.

. Understand, comply with and monitor the activities, if necessary,

of all applicable laws and regulations regarding: Anti-Money

Laundering; Bank Secrecy Act; Currency Transaction Reporting;

Suspicious Activity Reporting; Know Your Customer and Customer

Information Program

. Administering the Compliance Program of the bank and overseeing the

overall compliance of the bank in Bank Secrecy Act, Patriot Act,

OFAC and other regulatory compliance;

. Establishing and updating BSA/AML/OFAC Policies and Procedures;

. Interpreting laws and regulations to achieve compliance with all

applicable laws;

. Presented and discussed audit report findings and recommendations

with management; reporting the areas of deficiency with suggestions

of corrective measures.

. Liaison with external audit firm (KPMG); examiners and/or

regulators (FRB; FDIC; NJSDOBI)

. SOx Audits (Narrative, Testing, roll-forwards)

STERLING NATIONAL BANK, New York, NY 2006 to 2007

Assistant Auditor, AVP

. Performed the IT Audit; STAR network/ATM Audit; Factoring Audit and

SOX Audits.

. Interface with management at both branch and corporate level.

. Liaison with external audit firm (KPMG); examiners and/or

regulators (FRB; OTS, NYSDOBI).

. Reviewed the lending documentation and mortgage legal files for

adequacy and reporting per government regulations (HMDA/CRA)

. Worked on fraud and other investigations.

GOTHAM BANK of NEW YORK, New York, NY 1996 to

2006

Internal Auditor

. Established frequency and risk rating methodology.

. Performed and reported all audits of the bank; operational,

financial, compliance & CRA.

. Presented and discussed audit report findings and recommendations

with management and Audit Committee ~ reporting the areas of

deficiency with suggestions of corrective measures

. Assisted on special projects as deemed necessary by the Board.

. Successfully managed the conversion of the general ledger and

operating system, from a manual setup to automated (10/1996; 2000

and 2005)

. Overseeing the overall regulatory compliance of the bank;

. Interpreting laws and regulations to achieve compliance with all

applicable laws;

. Providing guidance and consultation to management and all three

branches;

. Ensuring that all regulatory compliance policies and procedures are

in place;

. Conducting annual training to the board of directors and senior

management on applicable laws and regulations.

. All aspects of AML, KYC, OFAC, US Pat Act, Transactional

monitoring.

. Administering the Compliance Program of the bank and overseeing the

overall compliance of the bank in Bank Secrecy Act, Patriot Act,

OFAC and other regulatory compliance;

. Establishing and updating BSA/AML/OFAC Policies and Procedures;

. Monitoring customer activities using both manual and automated

processes;

. Investigating all BSA-related violations and filing SARs;

. Administering all CTR filings and all other BSA-related record

keepings;

. Providing daily consultations to all bank staff on compliance

issues;

. Handling all government inquiries and subpoenas received by the

bank.

BANKERS FEDERAL SAVINGS, New York, NY 1992 to 1996

Assistant Auditor

. Present and discuss audit report findings and recommendations with

management and Audit Committee ~ reporting the areas of deficiency

with suggestions of corrective measures.

. Review audit work-papers and supervise a staff of 3.

. Worked directly under the bank's Compliance Officer in overseeing the

overall compliance of the bank's branches with BSA/AML and OFAC

. In charge of the bank's internal and external fraud investigations;

. Maintained and updated internal policy and procedure manuals.

. Reviewed customer activities to detect BSA/AML violations

NATIONAL COMMERCIAL BANK, New York, NY

1987 to 1992

Internal Staff Auditor

. Basic audit procedures.

. Daily monitoring of the Prime security system for the bank and VPN

access from head office and branches.

. Daily review of the trading tickets, wire transfers, BONY Cash

Management; FRB; SWIFT & CHIPS transactions

. Prepared the large dollar Currency Transaction (4789)

. Prepared monthly report for the Compliance Officer to be

submitted to the OCC and the bank's Head Office in Saudi Arabia;

. Reviewed monthly reports of all business departments to ensure

that no abnormal or suspicious activities;

. Conducted internal and external fraud investigations;

. Reviewed customer activities to detect BSA/AML violations.

BANK LEUMI TRUST CO., New York, NY

1984 to 1987

Money Transfer Investigations

BANK OF TOKYO TRUST CO., New York, NY

1981 to 1984

Head Teller

E D U C A T I O N & T R A I N I N G

B.S. Information Technology University of Phoenix

Diploma, 2006

Seminars & training in Compliance; BSA/AML; Unclaimed Property, etc.

offered through Federal Reserve Bank (FRB); MISTI and New Jersey League of

Bankers.

C O M P U T E R S K I L L S

Knowledge of Microsoft Office (Excel, Word, Power Point, Access, Outlook);

Novell; Shesunoff Automated Audit Work-papers; Open Solutions Inc (OSI);

Digital Insight; Lexis-Nexus; Tok-Open, Wolters-Kluwer; Atchley; FRB Cash

Management System; Cendaro- G/L; ADP Payroll; Teller System; IBM/AS400;

Jack Henry -20/20 Operating System and Silver Lake Operating System; ATMs;

Ceridian Payroll; Check Processor; Avaya Phone System; Financial Systems

Inc (FSI); Telex; SWIFT; BONY Cash Management System; Prime Security;

Desktop setup; calculator; copier; phone; IBM Typewriter and access key

fob.

Continuing education for the CIA certification and New Jersey Insurance

License.

Contact this candidate