Manager Program

Natalie Elman

adcqko@r.postjobfree.com Tel #: 917-***-****

Regulatory Compliance – KYC/ BSA/AML/OFAC– End-to-End Operations Management

Over twelve years’ experience in regulatory compliance, risk analysis, and reporting in the mortgage and banking industries with expertise in BSA, AML, KYC, CDD, EDD, OFAC, CIP and related processes and regulations. Experienced performing audit, due diligence, conducting reviews, and remediation to identify risk on moderate to high risk individuals / entities and written detailed risk summaries to escalate negative information as required. Developed risk policies and procedures, testing procedures against internal controls and business processes, documenting audits to ensure compliance.

•KYC/ AML Remediation

•Designed and Build Test Scripts

•Quality Assurance

•Controls and Systems

•Testing and Monitoring Program

•Operational Workflow

•Policies and Procedure

•Audit Compliance Work

•Compliance Risk Assessment

•Regulatory Affairs

•Project Management

•Gap Assessment

•Process Optimization

•Liaison with Team Offshore

•Workflow logistics

•Software Development Life Cycle

•Collaboration/ Gap Analysis

•SAR Transaction Look-Back

Highlighted Career Achievements

Spearheaded the risk-based KYC/CDD/EDD data uplift review and partnered with Executive Director of operations to remediate the BSA/AML related regulatory order (Investors Bank).

Improved business process, saved costs, added rigor and standardization to the BSA/ AML / KYC Periodic Review Process. Stood-up BPO, a mix of onshore (RFI Team) and offshore (CDD Team) in India. Project involved planning, testing and collaborated with HR, IT, and top management (Investors Bank).

Architecturally designed with IT/ Engineers to build AML platform and globalization of beneficial ownership. CDM - digitalization and automation via Pendo Systems. Implemented SilverCloud, build mapping, Agile user stories, test cases, test scripts for Fenergo and ODX - CMS and executed exceptional process flow to mitigate risk and ensured full compliance (Investors Bank).

Successfully partnered with stakeholders of the design and implementation of a comprehensive Compliance Monitoring for the 1st Line of Defense and Testing Program Designed. Built tests scripts in behalf of the internal audit for quarterly monitoring operational control. In accordance with the regulatory requirements, governing various REGs – Affiliate Transactions (Reg W), Electronic Funds Transfer (Reg E), Insider Loans (Reg O), ECOA (Reg B), TRID (Reg Z), RESPA (HUD’s Reg X), HMDA (Reg C), MHA/HAMP programs, Fair Credit Reporting (Reg V), and Flood Disaster (Reg H) (Investors Bank / Morgan Stanley).

Employment Summary

Investors Bank - Program Manager - KYC/ AML 2018 - 2020

Rabobank Nederland – KYC/ AML Senior Consultant 2016 - 2018

Morgan Stanley – Regulatory Compliance (Audit) Consultant 2015 - 2016

JP Morgan Chase –KYC/AML Senior Consultant 2014 - 2015

UBS AG, New York – KYC/ AML Analyst 2007 - 2013

Professional Experiences

Investors Bank - Iselin, NJ 05/2018 – 01/2020

Program Manager – VP (KYC/ AML)

Directed and managed the KYC/ AML workflow of allocated resources in order to ensure productivity and efficiency. Oversee and ensured all projects, including remediations and compliance audits are on track. Effectively communicated metrics, KPIs and KRIs to affected stakeholders;

Provided oversight, coached and mentored project team members of 11 professionals; acted as a point of escalation for offshore/onshore teams, RMs and AML partners.

Partnered with the VP - KYC Operations Senior Manager on the remediation of the regulator’s consent order and in the span of six months the bank is freed from AML/KYC related regulatory order.

Supported the independent regulatory audit lifecycle and communicated potential issues and contributed to the development of the annual audit plan and periodic reassessment of risk coverage.

Rabobank NEDERLAND - New York Branch 05/2016 – 05/2018

KYC/ AML – Senior Consultant

Supported the development of action plans to remediate deficiencies identified in the KYC / AML Client Lifecycle Framework across the BSA/ AML Compliance, OFAC and Business Divisions.

Proactively highlighted and where appropriate, AML/ KYC findings and issues/ risks to the BSA/AML Director; providing an independent view of audit project and the BSA/ AML - KYC program health.

Resolved issues and mitigated risks identified through KYC/ AML and Compliance testing / monitoring reviews. Provided hands-on assistance for coordinating and managing compliance with the BSA/ AML/ OFAC and all other laws.

Morgan Stanley Smith and Barney - Purchase, NY 08/2015 – 06/2016

Regulatory Compliance / Internal Audit – Associate Consultant (Mortgage Lending Side)

Successfully partnered with stakeholders of the design and implementation of a comprehensive Compliance Monitoring for the 1st Line of Defense and Testing Program. Identified potential gaps during testing and coordinate remediation efforts between the business unit, legal and the Audit Compliance Group. Assisted management in the assessment of project risks and controls. Worked with audit leadership to continuously review and improve process.

Navigant Consulting - New York, NY 06/2015 - 09/2015

BSA/AML, KYC Associate - Account Remediation – Retail and Wholesale Banking

Performed risk analysis on moderate to high-risk individuals and entities to ensure compliance with the Bank Secrecy Act and USA Patriot Act. Reviewed exception reports designed to detect and prevent money-laundering activities in institutional accounts.

JP Morgan Chase - Brooklyn, NY 07/2014 – 06/2015

BSA/ AML, KYC Associate – Quality Control/ Quality Assurance – Investment Banking and Private Banking

Audited and recorded FCB-EDD/ CDD on KYC data on a range of institutional new and existing clients with different legal structures domiciled in North America, Europe, and Asia jurisdictions; including data, collections using internal and external systems, databases and other resources. QA’d the remediation of the OCC BSA/AML related consent order.

People’s United Bank - Bridgeport, CT 04/2014 - 07/2014

Compliance Associate Consultant (Internal Audit, BSA/ AML/ OFAC, KYC/ CDD/ EDD)

State Street - Boston, MA 01/2014 - 04/2014

BSA/ AML, KYC -Correspondent Banking - Asset Management Business Line

UBS AG - New York, NY 12/2007 - 01/2013

Private / Investment Banking – Intl’ Data & Document Management – Risk Assessment

Wealth and Asset Management - AML/ KYC Analyst - (Middle Office)

Regency Group Mortgage and Real Estate - Stockton, CA 08/2004 - 11/2007

Branch Office Manager / Sr. Loan - Mortgage Processor (KYC/ AML/ Credit Risk Assessment)

Education

Xavier University, Philippines – BA International Business

Fresno City College, CA – AA Accounting and Finance

Working Towards PMI Certification (Spring Program - 2020)

Currently Reviewing for the ACAMS Examination (June 2020)

Technical Skills

Visio, MS Project, InfoPath, SharePoint, PowerPoint, Excel, Fiserv, Nautilus, Aperio, Patriot Officer, Citrix, Banker Insight, Mantas, Actimize, Norkom, BAM, Prime, FIS, LexisNexis/ Bridger Accurint /Risk Management, D&B/ RDC, Bankers Almanac, World-Check, CRM-Salesforce, Bridger Insight, Accuity, Pega, Fenergo, ODX, ECM, SKYC, SharePoint, CDD, Google, Global Plus, Customer Document System (CDS) and Account Opening Documents (GFS), Loan Span, 3D Doc, iDesk, Loan Originator, Calyx Point Mortgage Processing Software.

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