William Amzallag 516-***-****

acpos6@r.postjobfree.com

AML/BSA/KYC Consultant

USA

Senior Consultant with 27 years of experience in Quality Control, Trust Operations, Corporate Actions,

Dividend Reconciliation, Custody, Non Custody, Unclaimed Property, Fixed Income, Hedge Funds,

Mutual Funds, Derivatives, Transfer Agent, Compliance (BSA Investigator, AML/CFT, TBML, KYC,

CIP, FCR, BSA E-Filing & SAR Drafting) Fraud, Trade Finance, International Terrorist Financing,

Trade Surveillance, Banking Intrusion and Broker/Dealer Operations and Regulations (Reg. T, Rule

15c3, etc.).

Authorized to work in the US for any employer

Work Experience

High Risk Review/Wealth Management Analyst

Gibraltar Private Bank, Miami, Florida

-

Coral Gables, FL

December 2014 to February 2015

Responsibilities

• Performed high risk customer reviews requiring detailed analysis of all transactions by category for a

rolling one year period of time with concluding analysis of any and all unusual transactions for

escalation as necessary and performed QC of remediated KYC records.

• Performed high risk reviews on their Wealth Management accounts and made decisions to escalate or

not.

Analyst/Consultant

Well Fargo/Wealth Management, Boston, MA

-

Boston, MA

October 2014 to December 2014

Responsibilities

Embedded fee project. Researched and reconciled over inflated fees according to contracts that date

back for over 50 years.

High Risk/F.I.U. AML Senior Investigator

BMO Harris / Capital Markets

-

Chicago, IL

January 2014 to August 2014

Conducting thorough High Risk AML Investigations within Broker-Dealer AML/I.F.I/ Capital Markets

and Trade Based Money Laundering, while integrating current KYC/CIP to determine if a SAR should

be written.

• Multiple systems used including ADP, Alltel, Checkvision, CM CIF, TPSS, TPS, TMPS, NORKOM,

ICI along with various proprietary systems.

• Analyzed LOC's, wires, CD's, ACH's, MSB's, Equities, Bonds, Loans, Options, Commodities, Swaps,

Futures Trades and Trade Finance.

AML Analyst

JP Morgan

-

New York, NY

August 2013 to November 2013

Conducted client's detailed investigations to assess client's identity and risks of money laundering,

terrorist financing and financial crime.

• Analyzed and researched all Correspondent Banks for both foreign and domestic transactions.

• Charged with making decisions to SAR or Not to SAR.

BSA Investigator, Lookback Project USA

Helm Bank

-

Miami, FL

January 2013 to July 2013

Led comprehensive BSA Investigations - C & D reporting and internal audit on all types of

transactions.

• Made decisions to SAR or Not to SAR - written reports (these SAR's are forwarded through the BSA

Federal Filing system by the bank).

• Worked with several transaction types - ACH's, Cash, Checks, Money instruments, online

transactions, Web transactions, ATM's Corporate Trust transactions and both International and

Domestic wires through correspondent clearing banks.

• Determined financial crime risk on all accounts and make recommendations to close accounts.

AML/BSA Analyst - Associated Bank Lookback Project

Associated Bank

-

New York, NY

August 2012 to January 2013

Contributed to Comprehensive Investigations reporting within Regulatory requirements.

• Completed Decision to SAR or Not to SAR - written reports (these SAR's are forwarded through BSA

Federal Filing system by the bank).

• Worked with several transaction types - ACH's, Cash, Checks, Money instruments, online

transactions, Web transactions, ATM's and both International and Domestic wires through

correspondent clearing banks.

KYC Remediation Pilot Program

HSBC

-

New York, NY

May 2012 to August 2012

Worked on Cobam KYC Remediation Project with Deloitte

Team Lead AML/US Government Reporting/Lookback/Transaction Monitoring

MoneyGram

-

Dallas, TX

January 2012 to March 2012

Leading a team of analysts, who are transaction monitoring Domestic and International High risk

consumers and FCR, and analyzed Lookback transactions to SAR or clear.

• BSA E-Filing of SAR's. Technology: CRM, Visualizer, Cognos, BSA E-Filing, Lexis-Nexis and other

Internal Proprietary applications.

AML/BSA Analyst

Citibank

-

San Antonio, TX

September 2011 to December 2011

Backlog KYC/CIP/EDD and AML Lookback Transactions Remediation for High-risk accounts. E-

CADD, NAM, Concierge, Work Station, Lexis-Nexis and other Internal Proprietary applications.

AML/BAU/BSA High Risk Analyst

HSBC

-

Wilmington, DE

May 2011 to September 2011

Involved research to determine whether to put 100K alerts per month on watch, SAR, or no further

action.

• Systems used were NORKOM, World Check, Lexis-Nexis, KYC Data base, and other proprietary

systems.

AML/KYC/CIP Hedge Fund Analyst/Quality Control

JP Morgan Chase

-

New York, NY

December 2010 to May 2011

Hedge Fund Remediation, KYC, Hedge Fund Quality Control.

• Conducted client's detailed background checks and obtained all the necessary Know Your Client's

documentations to assess client's identity and risks of money laundering, terrorist financing and

financial crime.

• AML transaction monitoring, analyzing and researching all Correspondent Banks for both foreign and

domestic transactions. Provided MIS reports.

• Systems used are SKYC, Lexis-Nexis, World Check, RDC, SQL and other proprietary systems.

AML/KYC/CIP Hedge Fund Analyst/Quality Control

Deloitte/JP Morgan Chase

-

Newark, DE

September 2010 to November 2010

Conducted client's detailed background checks and obtained all the necessary Know Your Client's

documentation to assess client's identity and risks of money laundering, terrorist financing and

financial crime.

• Analyzed and researching all Correspondent Banks for both foreign and domestic transactions.

Project Manager - Trade Reconciliation/Trade Surveillance

Wall St. Solutions Inc

-

Boston, MA

January 2009 to August 2010

Reconciled Equity and Option positions.

• Worked directly on projects specific to FATCA, Reconciled Corporate Actions, Trade Surveillance,

Dividends and Interest.

Risk Advisory and Forensics - Quality Control Manager

RSM McGladrey, Inc

-

San Antonio, TX

August 2008 to December 2008

Worked on BSA Quality Control/Lookback Project.

• Performed quality control on all AML, BSA, and OFAC related customer accounts.

• Provided operational oversight and the reviewing of drafts written by investigators for the

recommendation of SAR or NO SAR.

• Analyzed all work: customer profile, Correspondent Bank deposit and withdrawal activity, CTR and

counter-parties, to assess and critique the information provided prior to submission to the regulators.

• Also QC'd Financial Investigations Unit and their subpoenas.

AML/SAR Drafter

Ocean Bank

-

Miami, FL

July 2008 to August 2008

Analyzed Lookback transactions, especially wires to and from Venezuela.

• Determined whether or not to draft SAR's, Supplemental SAR's or waive the case.

• Performed QA investigations and identified illegal money centers in Venezuela for foreign currency

exchanges and Correspondent Banks.

• Systems used were Prime, Jack Henry, E Vision, XPert AML, Metavante, Silverlake, Lotus Notes,

MS Suite and Internet search engines.

Hedge Fund Remediation

BNY- Mellon

-

Pittsburgh, PA

April 2008 to June 2008

• Processed and reconciled Prime Broker accounts from their inception through their current activity

for a system conversion along with Trade Surveillance.

• Systems used were a Global Prime, CMS, and Reconciliation Management System.

• These accounts were being scrubbed prior to conversion.

BSA Investigator

North-Fork Bank/Capital One Bank

-

Melville, NY

October 2007 to April 2008

Analyzed current and Lookback transactions, especially wires to and from high-risk country

jurisdictions.

• Researched companies, conducted phone correspondence with branch managers to obtain vital

KYC/CIP (on-boarding) information on the clients in question.

• Decided upon validity of transactions, and the counter-parties to eventually close cases or draft

SAR's.

• Systems used were a proprietary alert tool, Lexis-Nexis, Homeland Tracker and Internet search

engines.

AML/BSA Analyst

Metropolitan Bank

-

New York, NY

July 2007 to September 2007

Conducted AML/CFT, KYC, BSA account reviews.

• Reviewed all Demand Drafts and wire transfers sent (CTR'S) from the bank headquarters in the

Philippines to its New York branch.

• Analyzed and researched all companies involved in the transactions and determined whether to SAR

or close the case.

• Software used Lexis-Nexis, World Check, Prime, Gifts EDD and Internet search engines.

Project Manager - Hedge Fund Remediation

DPM-Mellon

-

Somerset, NJ

November 2006 to February 2007

Led a team of consultants who investigated, researched, and reconciled various trades including interest

rate swaps, credit swaps, and dividends

• Reconciled with the counter party or Prime Broker accounts from their inception through their current

activity along with Trade Surveillance.

• Recommended action to be taken on the resolution of their NAV, these accounts were being scrubbed

prior to conversion.

AML/KYC/CFT Analyst

Deutsche Bank

-

New York, NY

January 2006 to November 2006

Responsible for drafting SAR's and investigating and reporting suspicious money wire activities and

demand deposits through Correspondent Banks.

• Investigated all entities and their counter-parties involved in these transactions.

• Reviewed each wire transfer or payment for potential fraud, money laundering patterns, and

inconsistencies.

• Systems used were case management tool, (CMT), Lexis-Nexis, Worldwide, Sales Force, and other

web research sites.

Compliance Consultant

Wachovia Securities

-

Richmond, VA

November 2005 to December 2005

Acted as liaison for Sarbanes-Oxley compliance, including preparing and maintaining list of key

financial controls and supervising testing of those controls and certifications.

Lead Systems Trainer

Wachovia

-

New York, NY

August 2004 to April 2005

Trained Sales assistants, Financial Advisor's, Trader's, and Operational Staff on Thomson's Smart

Station and Beta Systems prior to a conversion and post conversion.

• Provided pre and post conversion trouble shooting for all Fixed Income and Equity products.

Senior Business Analyst

Brown Brothers Harriman

-

Boston, MA

March 2004 to July 2004

Worked in the systems unit to gather business requirements for a successful implementation of Stock

Splits, dividends with and without due bills along with Corporate Spin-Offs for BBH's, Action World

System.

• Set up test cases and assisted in the way these system's used this information to complete a Business

System Design to further the implementation of those two actions.

Project Manager

Citigroup

-

New York, NY

September 2003 to March 2004

Worked with corporate trust, custody, non-custody and private banking reconciliation of Dividends,

Fixed Income, P&I, Dir-Mortgage Backed, CMO's, Muni and Corporate Bonds.

• Settlement of all Government and Federal issues, Stock record, Corporate Actions (Voluntary and

Mandatory processing of Tenders, Mergers, Warrant Exercises, Odd-lot offers, Rights offerings and

submitting those elections to DTC and/or International Depositories), Derivatives and issued claims

through their SEI Trust 3000 and SQL systems.

Project Manager of Corporate Actions

Equiserve

-

Jersey City, NJ

April 1999 to August 2003

Domestic and ADR's)

• Projects included hands on reconciliation of client's $65 Billion ADR Master Account (Citigroup),

ESOP, ESPP, DRP, dividend reconciliation, post Conversion cleanup, unclaimed property, Trade

Surveillance and Corporate Actions Dept.

• Worked with Senior Management as a liaison to Citibank Corp to resolve client issues and strengthen

the client relationship with team as hands-on manager.

• Tested and implemented the automation of CARS reconciliation system and process of Corporate

Actions.

• Served as Interim Director for Corporate Action for four months as a consultant with 22 direct

reports.

• Completed a Mutual Funds conversion from Bank of Boston to Investors B &T.

Project Manager, Global Corporate Trust

Bank One

-

Chicago, IL

December 1998 to May 1999

Managed a conversion team consisting of 12 direct reports & 190 indirect reports at 5 locations.

• Created and managed a project plan, converted and consolidated tickler activities for FCNB, NBD

and ANB.

• Multiple systems were consolidated to the Account Control System.

Project Manager/Financial Analyst

Equiserve

-

Jersey City, NJ

April 1997 to December 1998

Stock Transfer and Corporate Reorganization

• Developed a manual reconciliation process to balance the Pilot Program for DRS, (Direct Registration

System) with DTC and the Stock Transfer System.

• Recouped 13.5 million dollars of over-delivered securities.

• Tested and implemented the automation of DTC reconciliation system and process.

• Reconciled and reconstructed Corporate Actions to recoup outstanding funds due Client Company in

excess of $3.7 million.

• Reconciled and balanced a Post system conversion for Mutual Funds from AM Trust to SEI.

Project Manager - Corporate Reorganization

Equiserve

-

Canton, MA

January 1996 to April 1997

Managed the operations of all the Baby Bell Odd lot buybacks, which included system testing and 20

processors and 30 mail clerks.

• Reconciled daily with DTC and Transfer Agent.

• Issued instructions for the successful delivery of securities to the street along with the calculated

brokerage fees paid by DTC participants.

Corporate Trust Analyst

Equiserve

April 1996 to September 1996

Led reconcilement team that ensured that Corporate Trust, DRIP, and Fixed Income were balanced and

fully reconciled prior to converting from SEI Trust 3000 to AM Trust due to merger.

• Reconciled all accounts post conversion.

Project Manager/ Trust and Custody Relationship Manager

Midwest Securities Trust Co

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New York, NY

August 1988 to August 1995

Client Relations

• Developed and implemented the process to make 72,000 securities (Equities, Fixed Income, Baby

bonds, Fractional shares and non-transferable securities) eligible for MSTC deposit in book entry.

• Interfaced with senior management at Smith Barney, Paine Webber and Merrill Lynch.

• Increased MSTC monthly's revenues by 600% and Trained client's staff.

• Evaluated, designed and staffed various projects including conversions and post conversions for Bond

Master, SEI, AM Trust and other proprietary trust systems.

Custody Consultant

Swiss Bancorp

April 1988 to August 1988

Corporate Trust

• Researched and reconciled aged FNMA, GNMA, CMO's and Fixed Income problems.

• Processed daily transactions for dividends along with fixed income and variable rate accrued income

instruments.

Senior Consultant

Bank of America

-

San Francisco, CA

August 1987 to February 1988

Corporate Trust

• Reconciled the clearing of 30,000 trades on behalf of corresponding brokers, after post conversion

discrepancies on the Master Net system and the ADP system.

Consultant

Corporate Trust

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Saint Paul, MN

December 1986 to August 1987

Recovered 33 million dollars during post conversion clean up Equities, Fixed Income, and Derivatives.

Thrift Administrator

Bankers Trust Company

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Jersey City, NJ

March 1985 to May 1986

Processed all financial transactions for many 401(K) and ESOP Plans. Calculated monthly unit

valuations. Produced quarterly and annual reports utilizing the GTAS system.

Operations Division Associate

International Fiduciary Trust Company

December 1982 to March 1985

Coordinated research and reconciliation of DTC positions along with Federal Reserve Bank positions.

Balancing Coordinator

Options Clearing Corporation

October 1981 to December 1982

Balanced option trades and generated next day reports to participating members.

• Tested and implemented a same day delivery system.

• Verified corporate actions, for next day positions.

Education

Economics

SUNY BROOKLYN

Brooklyn New York

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