CAROLYN SCHWARTZ

**** **** ******

Brooklyn NY **204

Phone: 201-***-****

Email: ac6nsc@r.postjobfree.com

SUMMARY

●12-13 years PM/Compliance /Audit, AML and Risk Assessment experience as well as 12 years Regulatory and Compliance experience.

●Over 12 years Financial Stress testing and Compliance testing experience as well as SOX testing.

●10 years of Actimize experience

●12 years IT Risk and controls

●IHC Regulations experience carries both prudential regulations for foreign banks regulation YY expertise.

●Maintain knowledge of bank policies and banking center procedures, and take responsibility to keep up to date on any changes.

●Support user questions and requests, including login, security, form usage, data extraction and synthesis.

●Excellent experience in project management and business analysis, Requirements gathering, authoring functional and interface specifications documentation, testing, workflow configuration, trade blotter, compliance

●Assist in development and implementation of testing standards, policies and procedures.

●Interface with multiple bank systems groups, QA teams, Marketing areas and vendors.

●Coordinated the implementation efforts with internal groups and external vendors.

●Successfully implement projects that were essential to the business’ objective of cost savings, customer service, revenue growth, and portfolio management.

●Leverage existing data, infrastructure, and an extensive library of established models and out-of-the-box rules to rapidly deploy an AML program.

●Work on current state and gap assessments to plan the transition for FATCA.

●Full knowledge of FINRA, Volker rule/Dodd Frank Act.

●Responsible for writing and maintaining NDA’s; both unilateral and mutual.

●Understanding of government regulations with particular emphasis on the Bank Secrecy Act and related regulations.

●IT Engineering experience in Data Science.

●Together with the Head of Global Innovation, define the strategic objectives and related road maps.

●Partner with all stakeholders to set key milestones, drive strategy implementation, and achieve segment growth targets; Accompany the organization’s Members in promoting new services, identifying with them strong value proposition and to achieve shorter term revenue growth.

●Lead and be an active team member for different sections of the innovation stage gate process; Develop and own business cases; Expert on innovations, trends, growth, competition, market share and the ability to anticipate customer/clients' needs; Conducted market research to identify market requirements for current and future products/services.

●Developed and implemented a company-wide plan to push product, working with all departments for its execution; Analyzed potential strategic partner relationships for product lines development

●Build trust, promote knowledge sharing, value partners, communicate effectively, drive execution, foster innovation, focus on delivery to customers, collaborate with others, solve problems creatively and demonstrate high integrity.

●Maintained professional internal and external relationships that meet company core values.

●Proactively establish and maintain effective working team relationships with all support departments.

●Ability to cope with ambiguity in a moving / transforming organization.

●Experienced exploring ways of improving existing products and services, and increasing profitability.

●Internal risk management audit experience

●Capital planning experience

●Knowledge of auditing standards and procedures

PROFESSIONAL EXPERIENCE

JPMorgan - Enterprise Risk/Banking PM /Compliance Officer and Internal Auditor June 2017 - Present

●Deal with onboarding of new clients and accounts and ensured profiles were in compliance with KYC/AML regulations.

●Responsible for compliance testing an control plans, performing isk assessments and creating testing checklists

●Leading Operational Product Support and building robust solutions

●Securing from the start automation first for all infrastructure components

●Leading it operations and infrastructure support, as well as the development of compliance control plans and SOX compliance and control testing

●Coordinating operations capability projects

●Implementing formal incident and problem management

●Developing audit findings and documenting business concerns, risks, root causes, and recommendations in writing to be include in audit report.

●Leading the analysis on Capital Planning and Banking Operations utilizing excel vlookup, pivot tables and responcible for providing detailed updates on weekly PowerPoint presentation.

Bank of America - Regulatory/It PM/Compliance Officer - Capital Markets/Banking Operations/Internal Auditor Aug 2016 - June 2017

●Responsible for reviewing, gathering, synthesizing and prioritizing data requirements based on input from current processes, data consumers and subject matter experts (SMEs) for Regulatory Broker dealer gap AML/MANTAS project

●Onboarded new clients and accounts

●Leading information gathering activities such as surveying, analyzing, evaluating and defining current processes by using a variety of internal and/or external data, provided com-lex audit findings

●Collecting and, analyzing and structure data to identify areas to optimize effectiveness and efficiency. Contributing to the design of detailed business specifications including data, processes, and systems. Supporting the delivery of the change management activities that will result from the above while meeting expected deadlines for Implementation

●Coordinating regulatory enterprise wide programs with various business as well technology partners, responcible for compliance controls i.e code of conduct and whistleblowing.

●Acting as a subject matter expert concerning systems/applications and processes and protocols for alert review and case investigation . Provided audit reports based on output. Responsible for testing compliance controls and compluance control plan creation.

●Compliance monitoring, testing and reporting, Regulatory Compliance, business analyst, and process and procedures.

●Planned audits, documented activity flows of the process to be reviewed

●Executed audit fieldwork in-line with the agreed audit approach. Provided model documentation, and provide detailed powerpoint documentation accompanied by excel spreadsheet analysis and RACI.

HSBC - IT PMO Corporate Trust Compliance BSA/ AML/Internal Audit/SOX Feb 2016 - July 2016

●Exercise overall responsibility for the successful delivery of the IT compliance program to plan, budget and agreed quality and governance standards

●Involved in onboarding of new clients and accounts and assured that information was accurate and in compliance with regulations

●Work with the Technology Partner/Program Manager to deliver effective communications and manage relationships with key stakeholders at executive and direct reports' levels across the Project Client base and technical community, ensuring continued buy-in to the Project

●Work with Probability and Statistical Analysis of data

●Use R and Python for validation modeling and system verifications

●Wrote and edited the Volcker compliance manuals and reviewed other bank policy and procedure manuals.

●Conducted a detailed risk assessment of all Volcker business units

●Own and drive the Project planning framework, ensuring that plans are developed and tracked to appropriate standards, are integrated effectively across all work-streams, are unambiguous and achievable, and that dependencies are clearly understood and managed

●Own and drive the effective governance of the Project, via the Project Management Office, ensuring that Bank technical, risk and other standards and compliance requirements are met and that the Project governance framework is comprehensively defined and firmly embedded across all areas of the Project

●Manage and co-ordinate projects, their interdependencies, and associated risks and issues, escalating to the Technology Partner/Programme Manager as appropriate to ensure project delivery and delivered audit findings and reporting.

●Ensure the integrity of the Project - focusing inwardly on the internal consistency of the Project; identify interfaces / alignment with other technology and business initiatives including Programme/Projects, business as usual and specialist

●technical or service standards to the Technology Partner or Programme Manager

●User Acceptance Testing for the various Actimize upgrade projects-assisted in Model Validation

●Anti-Money Laundering (AML) surveillance Utilized Actimize and monitoring, Case Management, Suspicious Activity Report (SAR) Filing, Know Your Customer (KYC) and Enhanced Due Diligence (EDD).

●Responsible for model inputs- data quality control

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Deutsche Bank - GTB /BA/Compliance Officer/IT Risk Lead/ SOX and InternalAudit Oct 2015 - Feb 2016

●Onboarded new clients and accounts and ensured information/profiles were in compliance with KYC/AML regulations

●Implemented established policies, system monitors and controls to ensure the successful management and reporting of all corporate initiatives in the program

●Provided both verbal and written communications regarding project status, risks and issues

●Developed and enhanced models to support stress and compliance testing. Areas of coverage to include PPNR, Wholesale Credit, Counter party Credit

●Coordinated/developed Volcker Rule compliance and project plans

●Reviewed and documented models

●Validated models

●Compliance Monitoring Testing and Reporting, Regulatory Compliance

●Evaluated, selected and implemented Actimize surveillance solutions

●Responsible for model development and validation process.

HSBC BA Compliance/KYC Client Relationships MGT/ Internal Audit Jan 2015 - Oct 2015

●Supported the creation of Dodd-Frank resolution and FDIC IDI plans and support the clients response to ad hoc regulatory requests

●Recommended controls to enhance the effectiveness of the Volcker Rule Compliance Program;

●Conducted research and supporting data capture/data communication

●Assessed potential impacts of Business and infrastructure initiatives on recovery and resolution plans and mitigating actions

●Assessed and managing dependencies

●Managed project lifecycle including issues & risk management, project reporting and governance

●Worked on NRA for Small Business Administration RFP deliverable

●Oversaw all aspects of the corporate-wide Bank Secrecy Act (BSA), Anti-Money Laundering (AML) programs

●Developed segment level strategic plans, market road-mapping, voice of customer (VOC) and innovation pipeline management within a business to business marketing/business development function; - Have strong expertise in launching new channels, building programs both domestically and internationally and scaling teams, infrastructure, processes and analytics accordingly;

●Coordinated the efforts of a large team of diverse creative employees; Increased productivity and continuously improve methods, approaches, and departmental contribution

●Worked on Actimize trade surveillance and e-commerce implementations

●Lead SOX compliance audits

Deutsche Bank - PM/BA Compliance Change AML Risk Management Aug 2014 - Jan 2015

●Developed and launched implementation gap analysis surveys for significant AML policies

●Helped to create AML risk assessment tool for compliance advisors.

●Analyzed and reported results-identifying key issued and trends

●Recommended controls to enhance the effectiveness of the Volcker Rule Compliance Program

●Drafted Volcker Rule related procedures

●Provided completion and status reporting and metrics to GAML Policy, AML Compliance and Compliance Management

●Oversaw and managed the BAU business impact analysis process

●Submitted Suspicious Activity Reports for BSA-AML-related activities.

●Monitored and tracked BSA-AML high-risk customers and accounts.

●Performed analysis of BSA related data to draw conclusions about the level of compliance throughout the enterprise

●Less for SOX control testing

BNY Mellon - PM/BA/PMO/Audit Risk Jan 2013 - Aug 2014

●Utilized my technology expertise to challenge the business and client requirements and technical solutions proposed, and influence decision making and drive consensus to allow for solution optimization, speeding time-to-market and phasing of these multi-year complex initiatives.

●Ensured adherence to agile project methodology standard processes.

●Expert in testing with extensive experience in functional and UAT test planning, test case development and execution.

●Lead Business Analyst on project for FATCA, tasked with coordinating preexisting reporting and withholding rules to harmonize the requirements contained in pre-FATCA rules under Chapter 3 and under Chapter 61and section 3406.

●Wrote Business and Functional requirements for FATCA and use case scenarios as well as providing guidance for testing.

●Interfaced with FINRA regulators on complex structured products due to the credit risk exposure

●Reported directly to the PMO to define and maintain project management standards within the organization

●Tasked with Regulatory Reporting

●Utilized SQL for data analysis, SQL Server-Analysis Services Data Mining, SQL analysis to build data mining solutions on both relational and cube data.

●Worked on multiple projects within the PMO office

JPMorgan Chase - PM / Data Quality Analyst Dec 2011 - Dec 2012

●Collaborated with business partners and other support groups as needed to research reported data anomalies, identify root causes of the issue and determine the remediation. Provide on-going monitoring to ensure the solution in place solves the issue affecting the business partner’s processes and/or systems.

●Scheduled, facilitate and/or participate in meetings and discussions regarding assigned action plans in the data quality remediation process.

●Tracked project milestones and update Data Quality Portal. Communicate status to management via formal presentations and/or written status updates.

●Identified and managed project dependencies and critical path issues.

●Ensured that all stakeholders had a clear understanding of data quality issue, project team roles and responsibilities in the remediation of the issue.

●Created, maintained, defined and owned mapping documents representing data elements across multiple upstream and downstream systems.

●Performed data mining, data modeling and data analysis as needed. Ability to code complex data extraction queries across multiple tables and data sources.

●Worked on a foreign tax compliance project regarding FATCA. Well versed in Offshore Voluntary Disclosure

●Initiative (OVDI) aimed at increasing compliance with the reporting requirements.

●Conducted gap analyses against our identified requirements.

●Developed action plans to implement changes required for FATCA compliance.

●Evaluated our legal entities to determine if they are FFIs or otherwise covered by FATCA

Citigroup - Business Analyst – Citi KYC/AML Project Aug 2011 - Dec 2011

●Help manage and coordinate requirements and various testing/implementation activities for a KYC (Know Your Client / AML Focus)solution within the Citi overall and the Citi Private Bank

●Working on the development of the future operating model in tandem with the establishment of future KYC business events

●Serve as liaison between IT and business end-users and build and maintain business relationships with key users and senior business managers across many different functions within the CPB, including sales teams, project teams, operation and legal and compliance.

●Assisting compliance/audit with updating and writing Business Policy and Procedures for the new roll out of the KYC/AML business platform/system

●Work with the business to analyze business requirements and review/produce specifications for any new changes to technology applications

●Work with the Technical Analyst and development team to ensure that they understand the specifications

●Performing independent reviews of Transaction Monitoring and Watchlist screening systems

●Acting as a liaison between IT staff and compliance business users

●Used Actimize Suspicious Activity Monitoring solution provides end-to-end coverage to identify and report suspicious transactions related to money laundering and terrorist financing, ensuring that we could meet current regulations and quickly adapt to the evolving regulatory environment.

Bank of New York Mellon - Assistant Vice President, Compliance Officer, BA June 2006 - July 2011

●Handled all aspects of AML and KYC procedural checks to mitigate risk exposure

●Charged with training, development and supervision of Trust Associates and Junior Relationship Managers

●Served as liaison between service groups and clients

●Implemented policies, procedures, systems and controls

●Managing and tracking reports pipelines using MS Excel and Created and entered daily/monthly reports into Excel Spreadsheets

●Responsible for assigning the advocacy reports, utilizing Microsoft Excel, Modification Analysis, Financial Analysis, Impact Analysis and various models

●Supported user questions and requests, including login, security, form usage, data extraction and synthesis, etc.

●Handled Cost Basis Reporting related to Securities Subject to Reporting, dealt with reporting basis, averaging basis, transfer statements and issuer reporting. Utilized FIFO ass the default method for brokerage securities, HIFO to sell the shares with the highest cost first in an attempt to minimize the tax bill; minimum tax sells shares in the following order: shares with short-term losses, long-term losses, long-term gains and lastly short-term gains and max gains which is the exact opposite of minimum tax.

EDUCATION

●JD - Brooklyn Law School

●MBA - Leonard Stern School of Business (NYU) – New York, NY

●BA - Hunter College English Communications

●CFA

●CiSA

●PMP

●Columbia University- Data Science Program

SKILLS

Microsoft Office (Excel, Access, Word, Outlook, Project, PowerPoint), Visio, JIRA, Fortis, SQL, Business Objects, NICE Actimize, Mantas and SAS products and solutions software. Experienced with CoBit, COSO and NIST.

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