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

Upland, California *****

323-***-****

http://www.linkedin.com/in/cynthiatobias1939/

ad1rv3@r.postjobfree.com

CYNTHIA A TOBIAS

OVERVIEW Banking professional with over 25 years' experience in the financial industry. Specializing in BSA/AML compliance program particularly related to the US Patriot Act and financial institutions facing regulatory enforcement issues. Including but not limited to; Case Investigations, KYC/CDD/EDD processes, Look-back reviews, alert and OFAC monitoring. Expert in SAR writing and reporting at the consumer, business and correspondent levels.

EXPERIENCE BSA/AML ANALYST

STERLING BANK & TRUST – ARCADIA, CA

April 2021 to Present

Responsibilities include but are not limited to; conducting EDD/CDD reviews for existing relationships, conducting high risk onboarding reviews for new relationships, AML and OFAC alert monitoring, clearing and/or escalating in adherence to the Bank Secrecy Act under the US Patriot Act and regulatory requirements. BSA/AML - COMPLIANCE CONSULTANT

GOLDEN STATE BANK – UPLAND, CA

January 2020 to February 2021 - Contract Completed Responsibilities included; conducting EDD reviews on high risk clients, CDD case reviews, OFAC alert clearing, AML alert monitoring, escalating and/or clearing and SAR writing and reporting.

BSA/AML - COMPLIANCE CONSULTANT

PACIFIC CITY BANK - LOS ANGELES, CA

March 2019 to December 2019 - Contract Completed

Responsible for alert monitoring, escalating and/or clearing, conducting EDD reviews on high risk entities, SAR writing and reporting.

VICE PRESIDENT BSA OFFICER

EH NATIONAL BANK – BEVERLY HILLS, CA

November 2017 to December 2018

Responsible for the implementation and administration of all aspects of the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance program. Responsible for the Bank's BSA policy, procedures and risk assessment. Performing various quality controls reviews and monitoring pertaining to the Bank Secrecy Act (BSA) Anti-Money Laundering (AML), USA PATRIOT Act, Office of Foreign Assets Control (OFAC) and Customer Due Diligence Programs using industry standard and regulatory guidance to ensure the Bank's compliance Page 2

efforts are maintained. Advised Senior Management and Bank personnel of emerging BSA compliance issues. Coordinated activities related to BSA/AML with other business units, internal audit and examiners

BSA/AML - COMPLIANCE SPECIALIST

EH NATIONAL BANK – BEVERLY HILLS, CA

June 2017 to November 2017

Responsible for assisting the BSA Officer in all aspects of Bank Secrecy Act (BSA) Anti- Money Laundering (AML), USA PATRIOT Act and Office of Foreign Assets Control (OFAC) compliance. Assists in maintaining the BSA monitoring program, including but not limited to; leading in the implementation of the banks BSA software project, performing daily quality controls reviews and monitoring pertaining to the Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering Program, 314 (a), 314 (b) and daily OFAC review. Conducts case investigations, analyses, preparation and submission of Suspicious Activity Reports (SARs) and continued SAR reviews.

INTERNAL AUDIT - COMPLIANCE CONSULTANT

EAST WEST BANK - SAN MARINO, CA

October 2016 to March 2017 - Contract Completed

Conducts internal audits to evaluate the reliability of management information, compliance with applicable laws, regulations, and the Bank policies related to BSA/AML. This includes the development of audit programs, testing, documenting work papers, preparing effective written reports and presenting findings to management. Perform operational and compliance audits in accordance with the Banks internal audit program related to BSA/AML activities in accordance with internal and external regulations and internal audit guidelines. BSA/AML - COMPLIANCE CONSULTANT

NATIONAL BANK OF CALIFORNIA - LOS ANGELES, CA

August 2014 to May 2016 - Contract Completed

Responsible for assisting with enforcement orders related to BSA/AML compliance audit, alert monitoring and clearing, conducting Enhanced Due Diligence (EDD) reviews on high- risk entities, SAR writing and reporting, reviewing and responding to subpoenas from various government agencies and assisting with process & procedural writing. BSA/AML - COMPLIANCE CONSULTANT

JP MORGAN CHASE – NEW YORK, NY

July 2013 to July 2014 - Contract Completed

Responsible for assisting with the Banks enforcement orders related to BSA/AML compliance audit. Including but not limited to; alert monitoring, escalating and/or clearing, conducting EDD/CDD reviews, SAR writing and reporting at the commercial, correspondent and consumer levels.

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BSA/AML - COMPLIANCE CONSULTANT

STATE BANK OF INDIA - LOS ANGELES, CA

December 2012 to July 2013 - Contract Completed

Responsible for assisting with the Banks enforcement orders related to BSA/AML compliance audit, alert monitoring, escalating and/or clearing, conducting EDD reviews on high risk entities, SAR writing and reporting, reviewing and responding to subpoenas from various government agencies and assisting with process & procedural writing. BSA/AML - COMPLIANCE CONSULTANT

CITIGROUP – TAMPA, FLORIDA

May 2012 to August 2012 - Contract Completed

Responsible for assisting with the Banks enforcement orders related to BSA/AML compliance audit, alert monitoring, escalating and/or clearing. SAR writing & reporting for commercial and retail segments.

BSA/AML - COMPLIANCE CONSULTANT

HSBC BANK - WILMINGTON, DELAWARE

April 2011 to April 2012 - Contract Completed

Responsible for assisting with the Banks enforcement orders related to BSA/AML compliance audit, alert monitoring, escalating and/or clearing of high risk international alerts for the correspondent banking segment.

BSA/AML - COMPLIANCE CONSULTANT

SUNWEST BANK – IRVINE, CA

May 2010 to April 2011 - Contract Completed

Responsible for assisting with the Banks enforcement orders related to BSA/AML compliance audit, OC of the prior EDD reviews and conducting EDD (look back) reviews. VICE PRESIDENT BSA/AML COMPLIANCE

UNION BANK – MONTEREY PARK, CA

May 2006 to December 2009

Devised, developed and implemented, brand new compliance department. Responsible for establishing policy and procedures, developed performance criteria for compliance analysts in conjunction with established policy and the Bank's responsibility for approving the onboarding of new and existing high-risk customers. Coordinated activities related to BSA/AML with other business units, internal audit and examiners. Responsible for managing the bank wide compliance unit which played a key role in lifting of C&D (cease and desist) order in record time.

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BSA/AML ANALYST

CITY NATIONAL BANK – LOS ANGELES, CA

February 2005 to May 2006

Performed customer due diligence EDD/CDD reviews for new and existing client relationships in adherence to the Bank Secrecy Act under the US Patriot Act and regulatory requirements. Analyzed complex relationships and provided guidance with respect to wealth management/private banking clients. Assisted in the preparation of analysis for the OCC as required under the Banks consent order.

MANAGEMENT

BANK OF AMERICA – GLENDALE, CA

February 1990 to February 2005

Responsibilities included but not limited to; managing the quality, service and efficient operations in the call center environment. Key responsibilities included but not limited to; adhering to regulatory requirements, implementing and ensuring staff was kept abreast with new and/or updated regulations, QC reviews, handling escalated concerns in efforts of providing exemplary customer service.

EDUCATION CHAVEZ & ASSOCIATES INSTITUTE - BUSINESS FINANCE ASSOCIATION OF ANTI MONEY LAUNDERING SPECIALISTS, ACAMS ASSOCIATION OF CERTIFIED FRAUD SPECIALISTS - ACFS - MEMBER

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