Manager Management
Resume:
Charles Pinkman
Lawrenceville, GA-30044
***********@*****.***
SUMMARY & OBJECTIVE
Innovative and results driven professional with more than 13 years of financial services experience maintaining legal and regulatory compliance. Effectively manage multiple, high-priority projects and take pride in providing exemplary client service and problem solving solutions. Seeking a career opportunity to provide exceptional results in a highly competitive environment that demands continuous challenges and improvement.
EDUCATION
Upsala College
Bachelor of Science: Finance
AREAS OF STRENGTH
Risk Assessment & Mitigation Regulatory Compliance Financial Data Analysis
Mortgage & Consumer Lending Due Diligence Supervisory & Training
BSA/AML Guidelines Auditing/EOringator Project Management/SPRP
RADAR/Actimize
Orion/OneSource
AML & SAR Compliance Training
SKILLS & TOOLS
Excellent Organizational, Supervisory, Training and Development Skills; Strong Communication and Interpersonal Development; Thorough Analytical Ability and Strict Attention to Detail; Independent and/or Team Oriented; Knowledge of Federal Regulations: Wealth Management, Bank Secrecy Act, Anti-Money Laundering, RESPA, TILA, ECOA, FCRA, HMDA, SCRA, Dodd-Frank and Fair Lending; GRC,UDAAP,GLB FinCen, OFAC, SDN & PEP Lists, World Check, Dun & Bradstreet, Kroll Factual Data, Financial Fraud, Financial Risk, Funds Transfer Monitoring System (FTFS), Mantas, LexisNexis, AS400, LPS, AACER and Case Tracker; Windows 8, Microsoft: Access, Excel, Outlook, Power Point, Project and Word.
EXPERIENCE
Robert Half
Sr. AML Investigator Analyst (Contract) 05/2015-Present
Receiving and investigating escalations from AML Analysts and Consultants based upon manual and automated monitoring referral channels to determine whether potential suspicious activity is present. Making recommendations related to the reporting of suspicious activity through SARs to (OFAC) Fin CEN. Conducting enhanced customer due diligence, transaction activity reviews, and negative media searches and documenting findings in accordance with approved policies and procedures. Independently researching internal and external source systems to determine whether activity appears usual and expected for specific customers/accounts. Leveraging additional external resources available for investigative purposes, including bank personnel contact, direct client contact, 314(b) information sharing requests, Law Enforcement contact, etc. Also aid in the investigative decision-making process. Ensuring accounts and/or customers are referred to the Bank’s SAR team appropriately in situations where the Investigator is recommending a SAR be filed. Thoroughly documenting NON-SAR decisions in accordance with Discover Bank policy and regulatory expectations. Communicating clearly, both written and verbally, with individuals in and outside of Discover (e.g. fraud teams, collections teams, Law Enforcement, individuals at other Financial Institutions, etc.)
Robert Half
AML/KYC QC Analyst (Contract) 3/2015- 4/2015
Highly knowledgeable in the areas of sanctions and BSA/AML, Foreign Assets Control (OFAC) global and counter-terrorist financing as well as, KYC and CDD/EDD requirements for CITI Group. I conducted detailed forensic analysis for wealth management and larger sets of transactional data, potentially encompassing years of account history, while identifying potentially suspicious activity present in CITI GROUP global wealth management clients. Also enhanced due diligence and cases investigations by comprehensively researching bar records of attorneys, Secretary of State Registration records for international entities in South and Central America clients. Research Google for any negative news, in addition to, comprehensive internet searches, Nexis Public Records, Dun & Bradstreet, and World Check/Compliance. I utilize the information obtained in determining the legitimacy of identified parties. Finally, as AML QC Analysts I’m able to synthesize concise reports that articulate the finding of their analysis and objectively recommend action be taken to resolve their identified concerns.
SonMar Holding & Investments
Sr. AML Compliance Manager (Contract) 03/2013- 03/2015
• Manage a team of 5 Analyst to review KYC for completeness and accuracy as part of customer validation in order to assess and document the risks associated with that customer to execute project plans. Conduct risk assessment to identify and address items through day-to-day cases per assignments to ensure the Bank's KYC and CIP standards have been met within wealth management clients. Ensure ongoing due diligence efforts and KYC are maintained while identifying substantive changes to customer profiles for (RESPA, TILA, FLOOD, SCRA, HUD-1, UDAAP and GFE) mortgage division of Domestic Banks in the Southeast Region (Bank United) for compliance testing. SAR, voluntary/mandatory filing.
• Perform investigations BSA/AML/OFAC Screening, and reviews on prospects and new/existing customers in accordance with the Bank's policies and procedures. Bank Deposit, Wire Transfers, Debit and Credit Card transactions.
• Review and resolve audit for wealth management clients. Verifier alerts; escalate findings to Manager when appropriate.
• Perform searches utilizing Internet sources and/or third-party vendors (i.e. Google, Clear Lexis Nexis and/or World Compliance) to determine negative news and obtain due diligence information for prospects and new/existing customers. Respond to daily inquiries from peers, front-line and management regarding KYC/CIP and due diligence matters, when appropriate. Write daily report per case for federal examiners, government, and state agencies
• Communicate effectively with peers, front-line and management when requesting information or documentation and addressing concerns or findings.
• Adhere to all designated time frames, manage workflow to the specified deadlines and complete responsibilities in a satisfactory manner. Thoroughly document findings by preparing reports in a manner that is clear and comprehensible to BSA supervisors/managers, internal auditors and regulatory examiners.
• Report and escalate all concerns or negative findings clearly and objectively to Manager.
• Interact with bank examiners, internal auditors, and compliance personnel during BSA and AML related audits, if necessary. Complete all job-related training.
Solomon Edwards Group 02/2012 - 01/2013
Compliance & Due Diligence Manager (Contract)
Conducted test and look back audit review of residential foreclosure to identify financial harm.
Adhered to Office of the Comptroller of the Currency (OCC) and the Department of Justice’s (DOJ) mandated review of Bank of America’s foreclosure management practices.
Determined if mortgage banking procedures were in compliance with Federal & State regulations, Investor (HUD-1, VA, GFE, SCRA, RESPA, TILA, FLOOD, UDAAP and FNMA & BAC) guidelines and corporate policy.
Performed forensic reviews of legal documents, audits and recapitulation of third party law firms, vendor fees and bank costs associated with over 400 individual files.
Constructed written rebuttal arguments for the rescission of Investor repurchase allegations based on independent research and responses to Requests for Information (RFI) from the Bank.
Review and verifies mortgage legal documents such as; Security Instruments, Quality Assurance Testing, Loss mitigation, titles, attorney state laws, notes, military orders, applications, assignments, appraisals and other pertinent documents that are needed for final review. (FDIC closure, OCC action, OTS, regulators/examiners
Hand-selected by Sr. Compliance Analyst to audit banking procedures for Service member Civil Relief Act compliance.
Imperial Investment Service 01/2009 - 12/2011
AML Manager
Managed a significant caseload of investigations for 5 Analyst to –investigate and performed analysis, follow-up and worked cases to a completion according to the banks AML procedures for Georgia (Credit Unions-Small Banks).
Documented and reported investigation findings and prepared case files for review
Prepared communications to internal and external entities, members of the sales team and AML monitoring units
Collected and examined financial statements and other pertinent documents to assist in identifying unusual transaction patterns
Wrote and filed Suspicious Activity Reports (SARs) BSA/AML and recommended relationship retention or termination and tracking of account closures as required. For state and federal examiners and for a third party audit review.
Evaluated data, developed recommendations across all NAM business sectors
Maintained consistent interaction with Senior Management pertaining to compliance, legal and business sectors concerning AML discrepancies
Am Trust Bank 06/2004 – 12/008
Sr. Compliance Analyst & Risk Manager
Create new processes to reduce risks and improve efficiency; manage 12 analyst in the authoring, implementation, and testing of the Banks alerts, written disclosures, policies, and procedures, including trade allocation, best execution, and use of derivatives. Report findings and recommend improvements as necessary for Banking and Credit Unions (BSA/AML, TILA, RESPA, among others), corporate policy, and quality control measures to attenuate loan portfolio audit risk KYC and through (SAR) Domestic market.
Provide support to employees regarding portfolio management of proprietary and 3rd party accounts; monitor employees' work for compliance with the Banks policies and procedures; analyze, resolve, and document exceptions to normal business practices; and research and summarize federal securities and investment securities regulations.AML compliance monitoring systems and transaction review systems(wire transfer reports, check imaging, etc)
Assist investment professionals with day to day compliance advice and interpretation related to investment mandates, and repurchase letters.
Analyze client documents (Amtrust Banking guidelines.) to determine appropriate monitoring process to be established in compliance systems consumer lending LOB/ AML-Lexis Nexis-BSA/AML-CRA...
Coordinate with vendor to create, maintain and monitor compliance restrictions in automated system; and travel 60%.
Aames Financial 09/2002 - 05/2004
Sr.Compliance Manager
Serves as a consumer regulatory advisor and consultant; consults with and guides management across multiple business units on compliance and audit issues; consults and coordinates with legal counsel on mortgage banking compliance matters for Credit Union/Bank.
Maintains a library of current training materials on compliance laws, regulations, and interpretations; develops training materials and ensures bank training requirements are met. Assists in tracking compliance deficiencies as noted through internal audit or regulatory examinations; ensures corrective action is taken by management; conducts trend analysis and compiles statistical data regarding compliance and regulatory audit findings.
Manages the Compliance Monitoring Program (CMP); determines the internal monitoring schedule and presents results to governing bodies (i.e., the Board of Directors). Reviews and monitors the work of direct reports for accuracy and thoroughness
Evaluates the accuracy of and ensures the integrity of data related to the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA) (AML).
Reviews and ensures established bank policies and procedures are compliant with applicable federal and state laws and regulations; recommends changes as appropriate; evaluates the effectiveness of existing policies and procedures in relations to compliance programs.
Manages the day-to-day activities of the Compliance Department. Provides leadership, direction and growth opportunities to members of the department, performing those responsibilities in accordance with the Company's policies and applicable laws. Responsible for interviewing, hiring, planning, assigning or directing work, appraising performance, disciplining team members and resolving problems. Works with the Human Resources Department to resolve more complex team member-related issues.
Contact this candidate