NORMA BERNARD

KYC Professional

adoxex@r.postjobfree.com • 914-***-****

www.linkedin.com/in/normabernard • Mt. Vernon, NY

Summary

Driven and accomplished KYC professional with 15+ years’ experience and customer satisfaction, key stakeholder management, and risk mitigation expertise. Outstanding leader with proven ability to deliver results autonomously and in team settings. Highly adept at cultivating supportive and collaborative environments with clients, personnel, and senior management to boost operations efficacy. Proficient in Financial Institution Internal Systems, Microsoft Word, Excel, Access, PowerPoint, Outlook, World-Check, LexisNexis. Areas of Expertise

Customer Service & Satisfaction

Strategic Planning & Ideation

Key Stakeholder Management

Portfolio Management

Risk Mitigation & Management

Compliance Management

Client Documentation

Operations Enhancement

Client Onboarding

Professional Experience

BNY MELLON, New York 5/2021-Present

Lead Rep, AML/Prevention/KYC

AML/KYC/Prevention - IC2 Prepares client profiles for existing clients. Conducts periodic reviews of client profiles. Ensures due diligence when onboarding new clients. Researches and gathers information to prepare a basic report for a new client. Leverages online tools, independent research or collaborates directly with the relationship manager. Amends existing client profiles when needed. Assists with administrative tasks when applicable. Conducts QSS real time scans to check information in the client profile and verify ownership against the ChoicePoint database. Communicates with internal stakeholders for information gathering purposes, as needed. JP Morgan Chase & Co., New York 2014 – 2019

KYC Officer

Promoted through roles of increasing scope and accountability from Sales, Operations, and Service Manager to KYC Officer.

Offered support to Relationship Managers in Commercial Middle Market Northeast Group for all aspects of KYC client onboarding, ongoing due diligence, renewal requests, and remediations for key high net worth clients, with portfolio worth

$20MM to $200MM. Managed evaluations of client risks such as identification of risk factors and mitigants through research and monitoring transactions. Identified risk level and collated detailed risk assessment recommendations during onboarding, periodic reviews, relationship transfers, and trigger events from retail markets. Cultivated collaborative environments with stakeholder partners, including compliance, legal, Global Financial Crimes Compliance (GFCC), and treasury services to guarantee robust risk assessments/analysis on business entities in US and non-US JPM locations. Liaised with Relationship Managers to craft requests for information documents (RFIs). Gathered, reviewed, and verified due diligence and onboarding documentation from clients, demonstrating thorough knowledge of AML/KYC policies to identify discrepancies or missing information. Conducted due diligence reviews by utilizing tools including LexisNexis, WorldCheck, GuideStar, SARs, and OFAC. Supervised updates and maintenance made to due diligence records in line with company guidelines and policies. Executed name screening, including PEP, Negative News, and Internal Watchlists to aid in customer risk rating calculations. Determined, examined, and compiled compliance assessments for high risk individuals, entities, and Politically Exposed Persons (PEPs). Demonstrated ability to work autonomously, enhancing productivity both in-office and remotely.

● Successfully completed 15 due diligence records per month with no/minor errors in timely manner.

● Performance rated as outstanding by Senior Manager.

● Mentored junior members of staff and other team members to enhance operations efficacy. NORMA BERNARD

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JP Morgan Chase & Co., New York 2011 – 2014

Relationship Manager

Spearheaded annual relationship reviews, offering recommendations on appropriate service options. Managed onboarding by opening and maintaining respective client accounts and documentation, ascertaining documents were updated with authorized officers and signers. Conducted in-person calls to determine client satisfaction and complete account analysis reviews. Championed tasks autonomously, reviewing trend issues and recommending bespoke solutions to respective clients.

● Appointed as Primary Relationship Manager and main point of contact for portfolio of 168 relationships.

● Successfully grew portfolio to 100% in revenue.

JP Morgan Chase & Co., New York 2008 – 2011

Senior Client Service Professional

Directed onboarding of all new clients. Oversaw periodic reviews of client documents and data, ascertaining compliance with regulatory client obligations. Led opening and maintenance of account documentation and client accounts. Executed research and investigations into international/domestic wires. Ensured implementation requests were submitted in timely manner and addressed all client requests. Examined analysis statements for TS sales opportunities, offering recommendations on key improvements to enhance fraud protection.

● Managed portfolio for not-for-profit clients with estimated revenue of $10M to $2B. JP Morgan Chase & Co., Location 2005 – 2008

Assistant Branch Manager

Directed, mentored, and supported support/service staff with aspects of policies, procedures, products, systems, and banking transactions. Spearheaded operational functions such as compliance, loss control, and audit standards. Led performance evaluations for service and support personnel.

● Obtained satisfactory branch audit; achieved sales and service goals. Additional Experience

Assistant Branch Manager, JP Morgan Chase & Co., New York Sales, Operations, and Service Manager, JP Morgan Chase & Co., New York Education

Liberal Arts Curriculum

Hostos Community College, New York

Technical Proficiencies

Financial Institution Internal Systems, Microsoft Word, Excel, Access, PowerPoint, Outlook, World-Check, LexisNexis.

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