Employment History

Quontic Bank New York, NY Mar 2017 to Present

SVP Digital Bank Operations

FinTech Project Manager

●Responsible for the coordination of all electronic delivery channels, maximizing the Bank’s use of

these systems, and maintain a deep working knowledge of these systems and their architecture

and interplay within the Bank’s environment.

●Maintain relationships with internal and external resources to leverage the best possible

customer support of ancillary technology systems.

●Make recommendations regarding operational system configurations, and implements upon

these changes as agreed.

●Communicate status of projects and serious issues to Senior Management, and proactively

recommends work-arounds and viable solutions to improve customer service and responses.

●Perform in depth testing on all operational systems to ensure operational integrity. Responsible

for testing all new products and services, as well as trouble shooting system issues.

●Reviews existing product offerings for enhancements as a result of business goals,

competitive pressures and revenue opportunities.

●As new processes and systems are implemented, compile procedures, trains or coordinate training efforts to ensure company employees are trained on proper use and troubleshooting techniques.

●Identify the need for system updates;

●Maintain current knowledge of all federal and state laws and regulations, along with the Bank’s

Policies and procedures.

●Refrain from harming consumers with any act that could be misleading, unfair, deceptive, or

abusive in act or practice.

●Ensure compliance with the Bank’s Bank Secrecy Act and Anti-Money Laundering policies and procedures

Operations Manager of a team of 10 responsible for all aspects of back office operations including: internet banking, wire transfer process, Federal Reserve Bank and Reg E claims and adjustments, Fraud, exception item processing, return item process, ACH transactions,

●Performs quality control functions, oversees the Operations Supervisor and Analysts performance and review daily work assignments.

●Review and updates all deposit account disclosures, ensure compliance to all regulations including Reg

CC, Reg D, Reg DD, and Reg E, NACHA and VISA/MasterCard

●Manage IRA plans for Bank to ensure compliance with IRES laws;

●Review year end retail account reporting for 1099INTs, 1099Rs, IRA statements and 5498s;

●Review and verify IOLA accounts for compliance and proper monthly remittance to NYS IOLA Fund;

●Review and verify IRA and Federal backup withholding for remittance to IRS;

Citigroup, NA Long Island City, NY Mar 2016 to Jun 2016

Consultant – Three Month Audit Assignment

Identified and reported systemic break and internal control issues to management and supplied comprehensive recommendations to mitigate the associated risks.

●Gathered data through interviews, financial research and downloads.

●Maintain Audit workpapers.

●Articulated audit findings, risks and recommendations to upper management through written reports and oral presentations.

Cross County Savings Bank Middle Village, NY Jan 1995 to Feb 2016

VP- Bank Operations Officer - July 2012 – Feb 2016

Oversee the day to day operations of the Bank Operations Department which is comprised of the ACH Department, Data Services Department, Online Banking Department, Debit Card Services, Marketing and Advertising and Regional Manager of six retail banking branch network.

●Ensure bank operates in compliance with Regulations E, D, DD, C, CC, GG, ACH/NACHA, OFAC, BSA, Privacy, UDAAP, Visa Rules.

●Member of the BSA Committee and resource for the new BSA Officer.

●Increased deposits by $4.6 million in one quarter

●Conduct comprehensive audits, identify internal control issues and implement solutions to mitigate associated risks.

●Product, staff and business development.

●Significantly cut operating costs, improved staff retention and improved audits 100% by way of team building, process improvements and training.

●Reduced contract expenses through negotiations with vendors.

●Lead the successful implementation of new technology-based global projects such as the Fiserv DNA Banking system, mobile/web banking, instant issue debit cards, Verafin AML Monitoring System.

●Achieved favorable internal and regulatory audit reviews in all areas.

Cross County Savings Bank

VP-BSA Officer - June 2005 – June 2012

Successfully built a strong AML compliance program through extensive knowledge of the Patriot Act, Bank Secrecy Act, KYC, CIP, OFAC, FinCEN, Economic Sanctions and related AML regulations.

●Conduct comprehensive due dilligence audits as a part of managing risk and ensuring compliance with regulations in the area of Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering, OFAC and Customer Identification Program compliance using industry standard and regulatory guidance sampling methods to ensure the Bank's compliance efforts are maintained on a daily basis.

●Perform daily transaction monitoring and investigate potential suspicious activity.

●File all Currency Transaction Reports, Suspicious Activity Reports and OFAC Annual Report of Blocked Property.

●Chairperson of the BSA Committee

●Develop and perform and document BSA training for all staff, executive officers and Board of Trustees.

●Develop, implement, update and maintain BSA operational policies and procedures.

●Advise Board Trustees, Executive Management and Bank personnel of emerging compliance issues and consults and guides the Bank in the establishment of controls to mitigate risks.

●Act as the point of contact for regulators of BSA matters.

●Achieved favorable internal and regulatory audit reviews in all areas.

Cross County Savings Bank

Director E-Banking Jan 2002 – June 2012

Managed the day to day operations of the Bank’s e-branch to ensure that all regulatory and compliance safeguards, customer privacy regulations and Bank policies and procedures are in place and adhered to and monitor the integrity of the Bank’s marketing and transactional website.

●Managed all marketing and advertising on the bank website and in print

●Assistant Debit Card Administrator and Assistant BSA Officer

●Researched, created and implemented E-Banking Risk Mitigation Policies and Procedures.

Cross County Savings Bank

Abandoned Property Supervisor Jan 1999 – June 2012

Achieved favorable internal and state audit reviews by way of extensive knowledge of New York State Abandoned Property Law, due diligence requirements and record retention requirements of the escheatment process.

●Implemented electronic escheatment process for all states.

●Performed various tasks in Banking Operations Department .

●Assisted in the retail banking branch network as needed, performing all functions of Teller, Teller Supervisor, Customer Service Representative, Assistant Manager and Branch Manager

EDUCATION

High School Diploma Saint Michael’s Academy New York, NY

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