QUALIFICATIONS PROFILE

Analytical, results-oriented, and performance-focused professional with extensive management experience in operations compliance, auditing, and risk assessment. Known for keen attention to detail, as well as outstanding problem-solving and critical thinking aptitudes to thoroughly assess situations, formulate strategies, and resolve complex situations. Equipped with well-defined analytical, written and oral communications, organizational, technical, multitasking, research, and investigative skills. Highly effective at establishing strong working relationships and working collaboratively with key stakeholders, regulators, senior and executive management, clients, and other professionals to address compliance issues.

AREAS OF EXPERTISE

Anti-Money Laundering and Fraud Prevention Banking Operations Oversight Program Development

Financial Analysis Fair Lending Customer Protection Laws Compliance Regulatory Consulting and Advisory

Staff Training and Development Audit and Quality Assurance Project Management KYC On-Boarding UDAAP Reg B and Z

PROFESSIONAL EXPERIENCE

Citibank Irving, TX

Assistant Vice President Nov 2017–Jan 2019

Anti-Money Laundering (AML), Bank Secrecy Act (BSA), and Financial Intelligence Unit (FIU)

Provide expert leadership to staff in delivering best-in-class AML and Office of Foreign Asset Control (OFAC) enterprise services to business partners, as well as in meeting the company’s regulatory requirements of preventing, detecting, and reporting suspected money laundering and terrorist financing activities

Oversee operations and provide compliance solutions for customer protection laws (CPLs), consumer compliance regulatory risk, and regulatory consulting for the company and its affiliates

Closely collaborate with business leaders and functional leaders in assessing and quantifying risks and solutions and creating remediation plans in support to multiple business projects to resolve specific risk issues

Exhibit in-depth knowledge of bank- and credit-related regulatory requirements regarding consumer compliance regulations such as Federal Reserve regulations, fair lending, privacy, and CPLs, as well as industry best practices for compliance programs in larger banking or consumer lending organizations

Spearhead daily operations involving quality and performance management, while directing employees on regulatory risks, structuring, risk assessments, gaps in customer transactional activity, CPLs, due diligence support, policy interpretation and support to agents within the region

Assist with the execution, oversight, and enhancement of the Manager’s Control Assessment (MCA) Program including report development and assessment

Facilitate training, risk management, consultative support, and education to foster a culture of consumer compliance regulatory risk awareness and accountability

Preside over weekly meetings to discuss operational risk identification, methods, risk mitigation, and trends; and determine and address any outstanding AML, BSA, and OFAC compliance issues

Recommend innovative solutions, verify feasibility of approaches, and ensure proper identification, measurement, reporting, and monitoring of all material risks

Render consultation on policy, risks, and remediation of consumer compliance-related matters, while guaranteeing all corrections and objectives are met

Career Highlights:

Served as the driving force in improving the following:

Internal auditing scores by 35% through the launch of compliance policies program;

Employee retention rates by 55% within two years by delivering a tiered-interview system and coordinating two global programs; and

Suspicious activity report (SAR) filings production by 25% and quality by 45% within three months through program development

Received promotion in the first year due to outstanding performance in supervising more than 70 fraud and AML compliance analysts

MoneyGram Frisco, TX

Compliance Analyst II Nov 2012–Nov 2017

AML, BSA, and FIU

Fulfilled various tasks to aid enterprise with compliance of BSA, OFAC, USA Patriot Act, and other AML program requirements, entailing transaction data and AML risk assessments to track, report, and avoid suspected money laundering and terrorist financing activities

Actively interacted with local regulators and key agents, while training them on risk and fraud identification and prevention

Remained up-to-date with new rules, regulations, and reputational risks in support to the establishment, implementation, and modification of current policies and procedures

Secured accurate and proper reconciliation of international case referrals in adherence to all recordkeeping requirements

Conducted thorough analysis of fraudulent and unusual activities for international regulatory reporting and escalation

Functioned effectively as subject matter expert in charge of offering guidance and assistance by participating in new product and service or channel projects for KYC on-boarding policies and procedures

Relayed out-of-pattern transactional activities to AML investigations to execute further investigation and potential regulatory reporting

Contributed in verifying and testing alert scenarios, systemic alerts, and manual referrals, as well as reviewed possible OFAC hits to ensure conformance of transactions with sanctions

Resolved any gaps on agent’s compliance program and obligations involving training, monitoring, and regulatory reporting

Microsoft Irving, TX

Fraud Investigations Analyst, Contract Nov 2011–Nov 2012

Surveillance and FIU

Delivered risk management support for a line of business and staff agency on key risk identification, measurement, and aggregation through appropriate practices and processes

Determined key and emerging risks; assessed alignment with risk strategy and appetite; monitored risk and control environment to eliminate enterprise and business exposures

Acted as main contributor on projects in conjunction with key stakeholders in tracking, evaluating, aggregating, and documenting risks and controls on new modified products, services, distribution channels, regulations, and third-party operations affecting enterprise and the organization

Submitted results to various levels of leadership such as government committees and business process owners

Facilitated hands-on training and supervision for new consultants on quality assurance and control procedures and reviews

Initiated the execution of new risk policies, practices, appetites, and solutions to ensure understanding and oversight of risks in compliance with industry best practices

Steered efforts in improving and assisting with strategies, tools, and methodologies for risk measurement, monitoring, and reporting, as well as in creating and implementing analytical materials for discussions with cross-function teams to understand business objective and influence solution strategies

Developed stress test plans for a line of business and enterprise including assessment of results, and framing of contingency plans in collaboration with key business stakeholder

HD Investments Irving, TX

Compliance Relationship Manager Apr 2008–Nov 2011

Audit and Vendor Management

Built and strengthened long-term relationships with top practices amounting more than $20M in AUA by rendering risk management practices assistance in multiple areas such as investment management, consumer consulting, internal and external fraud risk review, business management while supporting senior relationship manager and their relationships

Established compliance risk management programs involving risk assessment, monitoring, reporting, and prioritization, as well as definition of an organization's risk appetite and risk tolerance in adherence to the organization's strategy

Coordinated with external clients and internal staff to determine and address client needs, while providing them constructive coaching and real-time feedback

Conducted extensive traveling and created relationships with business partners and specialists through proactive collaboration

Took charge of administering work to guarantee alignment with goals and standards; creating marketing materials and sales campaigns with Marketing and National Sales teams; and handling systematic phone calls and emails and visiting different vendors as business coach

Generated and facilitated phone and in-person presentations for advisors, aiding them to grow their business through sales idea promotion, client case analysis, cross-selling opportunities identification, and recommendation and investment strategy development

Demonstrated working knowledge of products and services of all educational partners in close coordination with advisors for their business

Performed follow-up with internal team members to ensure quick resolution of all advisor requests as well as proper tracking and internal sharing of interaction details

EDUCATION AND CREDENTIALS

Bachelor of Business Administration in Management Information Systems, Minor in Finance and Compliance Operations

Southern Arkansas University Magnolia, AR GPA: 3.8/4.0

Direct Endorsement (DE) Certification: Oct 2012 – Federal Housing Authority University

Project Management Certification: May 2005 – Southern Arkansas University

TECHNICAL SKILLS

E-Sign World-Check Lexis-Nexis CRM Actimize Yellow-Hammer SAP Business Objects FircoSoft

Lotus Notes Microsoft Office Suite Applications (Outlook, Excel, Word, PowerPoint, and SharePoint)

Microsoft Windows Citrix Merlin Jack Henry Silverlake Portfolio Analyzer Flowcharting

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