RALPH E. KOPKOWSKI

**** ***** ****** **** 708-***-****, Cell 708-***-****

Norridge, IL 60656 acs7j7@r.postjobfree.com

Executive Summary

Dedicated professional with proven success in balancing operational efficiencies, business growth and client satisfaction seeking leadership position with an organization looking to optimize products, processes and technology in order to maximize revenue and mitigate expense for the purpose of generating increased net income and shareholder value. Possess over 30 years experience in management of operational areas within the Deposit Operations, Security, BSA/Compliance, Risk Management and Deposit Operations Employ proactive management and strong leadership to generate accomplishments-driven workplace environment, resulting in employee loyalty and customer satisfaction at all levels.

ACCOMPLISHMENTS

Saved bank from government closure by implementing Bank Secrecy Act (“BSA”), risk management, and customer information policies and procedures for organization where none had existed.

Led implementation efforts on the deployment of an electronic system for filing Suspicious Activity Reports (“SAR”) resulting in streamlined operations and greater controls.

Created vendor security and confidentiality compliance program leading to 100% participation by vendors as measured by an audit.

Executed conversion of core servicing system from Fiserv to Metavante.

Work in Deposit Operation with Money Market, CD’s Savings and ATM debit and Credit. Regulations E, Regulation D, Regulation DD, Regulation CC.

Have Written Policy and Procedures for Deposit Operations (Regulation E lost ATM Form, Dispute Form for ATM, Debit Card and Compliant Form. Have Done overdrafts and returned checks.

Work credit and debit card. Research them for any fraud activity and reissued card that were compromise

PROFESSIONAL EXPERIENCE

GE Capital – Contractor April 2015 – Present

AML Compliance Analyst,

Manage and supervise bank’s compliance, and AML/BSA issues. Conduct BSA, risk management, and customer information policies and procedures. Ensure bank wide implementation. Using FIS WebCSR, Savana, Net-Image and Actimize for researching alerts.

Clear and Resolve all Actimize Alerts

Clear PMS alerts through Actimize.

Clear all Bridger Alerts for OFAC.

Escalate all potential issues or suspicious behavior activity to the next appropriate next level..

Perform AML due diligence checks on prospective customers, related parties and suppliers using research tools and external data sources.

On-going and monitoring of overview of existing data bases

Assist with GECA Businesses monthly and quarterly metrics.

Participate in assigned AML projects.

Millennium Bank May 2011 – February 2015

BSA/AML Compliance, CRA, Security Officer, Deposit Operations

Manage and supervise bank’s compliance, BSA and security issues. Draft BSA, risk management, and customer information policies and procedures. Ensure bank wide implementation. Initiate the installation of working alarms throughout the bank. Advise bank executives on initiatives to get bank into total regulatory compliance.

Brought bank from virtual non-compliance to 100% regulatory conformity in 10 month. The cease and desist was lifted to MOU. Corrected CRA to a satisfactory.

Conduct Training for BSA/AM for all employees and Board of Directors. Also trained new employees within 30 days of hire.

Implemented upon own initiative new BSA, risk management, Enhance Due Diligence on all high risk, remote deposit customers, and customer information policies and procedures where none had existed. Created BSA/AML/OFAC risk assessment.

KYC work with personal bankers. Collect information on commercial and personal account. Make sure all documents are included on commercial accounts to be opened. Perform risk analysis on the accounts.

Write suspicious activity reports file CTR’s review sanctions alerts and all other applicable AML processes in accordance with regulations.

Conduct research as required and detail results in a written format in BSA/AML requirements.

Upgrade core servicing system to Fiserv Premier.

Monitored Money Market and Savings Accounts for excessive withdrawals. Regulation CC for floats on checks. Work with return Checks from the FRB. Reviewed the new account that the paper work that was provided was correctly fill out. Also made sure that all the documents where with the new account application

GreenChoice Bank-Family Federal Savings Cicero, IL 2010 - 2011

BSA, Compliance, CRA, Security Officer and Deposit Operations

Manage and supervise bank’s compliance, BSA and security issues. Draft BSA, risk management, and customer information policies and procedures. Ensure bank wide implementation. Initiate the installation of working alarms throughout the bank. Advise bank executives on initiatives to get bank into total regulatory compliance.

Brought bank from virtual non-compliance to 100% regulatory conformity in 2 month.

Monitored Money Market and Savings Accounts for excessive withdrawals. Regulation CC for floats on checks. Work with return Checks from the FRB. Reviewed the new account that the paper work that was provided was correctly fill out. Also made sure that all the documents where with the new account application

Implemented upon own initiative new BSA, risk management, and customer information policies and procedures where none had existed.

Converted core servicing system from FPS-Gold to Fiserv ITI.

Northbrook Bank & Trust Company Northbrook, IL 2008 - 2009

Assistant Vice President, BSA, Vendor Review, and Operations

Oversaw security and operations of 6 branches and managed 4 representatives in reviewing international wires for risk rating, fraudulent activity, and regulatory compliance. Ran BSA / Anti-Money Laundering compliance program including conducting up-to-date training for all employees. Prepared and gave formal written performance appraisals; recommended salary increases and promotions.

Saved bank thousands of dollars by diligently reviewing international wires for risk rating and fraudulent activity.

Trained, developed, and evaluated operations and security representatives resulting in a cohesive and results driven department. Consistently exceeded goal timelines.

Monitored Money Market and Savings Accounts for excessive withdrawals. Regulation CC for floats on checks. Work with return Checks from the FRB. Reviewed the new account that the paper work that was provided was correctly fill out. Also made sure that all the documents were with the new account application

Edgebrook Bank Chicago, IL 2006 - 2008

Assistant Vice President, Bank Operations, BSA and Customer Service

Converted bank into compliance with all government regulations; wrote policies and procedures delivering bank into full compliance. Cross-sold products and opened new accounts. Conducted wire transfers, guaranteed proper cash management, balanced official checks, and generated board of directors’ reports for overdraft, teller differences, and miscellaneous losses.

Revitalized compliance program by delivering bank into total regulatory compliance within 6 months where there were few existing policies and procedures.

Introduced Jack Henry electronic central processing transfer program eliminating manual carrier saving the bank time and money

Monitored Money Market and Savings Accounts for excessive withdrawals. Regulation CC for floats on checks. Work with return Checks from the FRB. Reviewed the new account that the paper work that was provided was correctly fill out. Also made sure that all the documents were with the new account application

Labe Bank Chicago, IL 2002 - 2006

Assistant Vice President, Bank Operations, and Customer Service

Supervised team of 9 operations and customer service representatives in FedLine merchant services, cross- selling products, opening new accounts, and risk and cash management. Directed and delegated the activities of the representatives to ensure professional, timely, and proficient customer service. Facilitated staff meetings. Oversaw cash management account and processed a variety of consumer, commercial, and other transactions for customers. Monitored the balancing performance of staff, corrected outages, and audited teller drawers.

Implemented electronic system for filing suspicious activity reports and consumer transaction reports streamlining the existing manual process.

Monitored Money Market and Savings Accounts for excessive withdrawals. Regulation CC for floats on checks. Work with return Checks from the FRB. Reviewed the new account that the paper work that was provided was correctly fill out. Also made sure that all the documents were with the new account application

Discovered more fraudulent activity from review of checks returned from clearing house and large dollar checks and check number inconsistencies from large dollar reports than any other team.

Converted core servicing system from Fiserv Vision to Metavante.

First Suburban National Bank Maywood, IL 1999 - 2002

Manager, Bookkeeping, Networks, and Facilities

Managed all aspects of opening a Skokie, IL branch; selected the site, executed the lease, purchased equipment, and developed branch policies and procedures. Supervised 6 operations representatives in the installation of LaserPro and Deposit Pro, creation and deletion of systems users, and oversight of balancing. Trained all end users on system.

Oversaw the successful, on time opening of the Skokie branch, which became extremely profitable.

Handled satisfactorily complex consumer and business customer problems that staff was unable to resolve leading to high volume of cross sales and new accounts.

EDUCATION AND COMPUTER SKILLS

Completed 60 credits towards a bachelors degree in business at Loop Junior College, now DePaul University

Microsoft Office suite, Jack Henry Core Director (Silver Lake and CIF 20/20 system), Fiserv Core (VISION), Metavante core, and NCR core

ACTIVITES

Divine Savior Finance Committee, Member; St. Eugene Finance Committee, Member; Ridgewood High School Finance Committee, Member; Divine Savior School Board, Member; Norridge Park District Summer Fest Finance Committee, Member Norridge Improvement Party, President of Rotary Club Norridge Harwood Heights

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