P a g e * *

Patricia Rodriguez-Autore

MBM, CFE, ACAMS

BSA/AML/OFAC Officer & Fraud/Audit Examiner

adpiot@r.postjobfree.com • 203-***-****

www.linkedin.com/in/patricia-rodriguez-autore •

Virginia/DC

Summary

Experienced BSA/AML/OFAC Officer & Fraud/Audit Examiner known for implementing proven techniques, while maximizing business growth.

Summary

Proven Chief BSA/AML/OFAC Officer

& Fraud/Audit Examiner utilizing over

15 years’ experience to generate

powerful solutions in highly regulated

and risk adverse markets. Known

leader relied upon to communicate

sophisticated BSA/AML/OFAC and

Fraud strategies with senior

management to ensure cohesive

integration throughout the company.

Areas of Expertise

Audits for Examiners/Regulators

Fintech Programs

High Risk Products and Services

MRB, MSB, NBFI, Correspondent

Banks, Virtual Currencies

International BSA/AML/OFAC and

Fraud Programs

Public Speaking

(Domestic/International)

Team Development

Published Author as a Subject

Matter in the BSA/AML/OFAC &

Fraud

Education

Master of Science in Compliance &

Business Ethics

New England Institute of Business

Bachelor of Science in Business

Management

University of Phoenix AZ

Certifications

Certified Fraud Examiner

CFE

Operations Leadership Excellence

MIT

ACAMS Certification(s)

ACAMS

Accomplishments

Execution of Audits of AML, BSA, OFAC, & Fraud Components ensuring adherence to Regulatory requirements for above satisfactory results

Spearheaded creation of both the AML & Fraud Department complete with processes, procedures, and training in addition to an Incident Corresponding Team, resulting in a 70% decrease of fraud detection.

Designed a staffing matrix enabling management to conduct a cost/benefit analysis for team expansion, generating a 200% increase of productivity.

Orchestrated a new monitoring system that established thresholds, procedures and training for transaction monitoring, of high-risk products reducing false positive alerts 75 %.

Summary

Treliant Consulting LLC 4/2021-9/2021

Executive Consultant for BSA/AML & Fraud Programs

Conducted Audits of AML, BSA, OFAC components including, but not limited to KYC/DD/Beneficial ownership requirements, transaction monitoring, CTR/SAR filing, adherence to Policy & Procedures, Alerts, Cases, EDD reviews, OFAC reporting

Conducted Risk Assessments & Executive reporting of Fraud & BSA/AML Programs

Implementation of Fraud Standards

Review Analysis of AML & Fraud Risks based on the Company’s Risk Appetite and provided analysis of root causes and recommendation improvement plans

Included, but not limited to Systems, Policies, Procedures, Controls, Staffing, Alerts, Investigations, CTRS, SARs, Training, Sanctions, High Risk/DD, Reporting metrics of both the Fraud Program and BSA/AML Department

Included both Front Line and Second Line of Defense

Lead on multiple initiatives for Fraud/AML Governance, AML Reviews, Audit and Regulator findings to Executive Management- Executed plans for overall improvement to Leadership

MVB Financial Institution, VA 2019 – 2021

Vice President, BSA Officer (Fintech/Fraud/ Retail/Consumer/Lending) Provide strategic guidance to establish an industry leading BSA program across five major departments, including Retail, Consumer, Fintech, Lending, and Fraud, companywide. Foster a culture of compliance through the development and administration of a comprehensive training program, specifically designed to implement internal procedures that utilize data from complex transactional and behavioral analysis to create increasingly beneficial commercial lending relationships. Facilitate the launch of products and services through the risk assessment of environmental controls, inherent risk and exposure, as well as control augmentations, needed for feasible execution.

Conducted Audits of AML, BSA, OFAC components including, but not limited to KYC/DD/Beneficial ownership requirements, transaction monitoring, CTR/SAR filing, adherence to Policy & Procedures, Alerts, Cases, EDD reviews, OFAC reporting

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Spearheaded creation of both the AML & Fraud Department complete with processes, procedures, training in addition to an Incident Corresponding Team, resulting in an over 80% decrease in fraud detection and additional banking risks.

Designed a staffing matrix enabling managemet to conduct a cost/benefit analysis for team expansion, generating a 600% increase of productivity.

Enhanced BOD report of relevant compliance reporting to ensure the completion and proper analysis of the program.

Congressional Bank-Maryland, MD 2018 – 2019

Sr. Vice President, BSA Officer (Retail/Consumer/Lending/Fintech/Fraud) Navigated evolving regulations to create effective BSA/AML policies and procedures; ensuring adherence and compliant while placing an emphasis on improving efficiency. Oversaw direct reports, such as VP BSA Manager and VP Fraud and Risk Manager, to make key decisions related to escalated Account Reviews, Enhanced Due Diligence Evaluations, Exceptions to Policy and reporting accordingly.

Introduced a High-Risk CDD/EDD Program, within the BSA/AML Department, ensuring that all High-Risk accounts were adequately being reviewed, monitored, and risked accordingly decreasing false/positive alerts by 60%.

Orchestrated a new monitoring system that established thresholds, procedures and training for transaction monitoring, accuracy in the product and services, reducing false positive alerts by over 75%.

Implemented new processes, forms, procedures, and training for all business lines to identify and mitigate risk based on the risk tolerance of the product and services including International accounts and Investment Third Party relations by reducing false positives by over 50%.

Conducted Audits of AML, BSA, OFAC components including, but not limited to KYC/DD/Beneficial ownership requirements, transaction monitoring, CTR/SAR filing, adherence to Policy & Procedures, Alerts, Cases, EDD reviews, OFAC reporting

Pentagon Federal CU, VA 2016 – 2018

Director, BSA/AML Financial Intelligence Unit

Supervised the BSA/AML Compliance and Fraud System performance, recommending new or enhanced automated processes to support, streamline, and improve department activities. Collaborated with the Financial Intelligence Unit on all escalated BSA/AML and High-Risk Fraud investigations, further leveraging cases as an opportunity to determine possible causes and solutions.

Composed all responses regarding BSA/AML/Fraud Communication, including, launching a monthly dashboard of SARs/CTRs, BSA/AML and Fraud trends for Board Members, improving accuracy by over 80%.

Conducted Risk Assessment of BSA/AML Program and Gap Assessment and/or Analysis, assisting in the identification of risks and implementing and executed remediation programs, as a result in identifying four business lines that were not being monitored and risked incorrectly based on the company’s risk tolerance.

Conducted Audits of AML, BSA, OFAC components including, but not limited to KYC/DD/Beneficial ownership requirements, transaction monitoring, CTR/SAR filing, adherence to Policy & Procedures, Alerts, Cases, EDD reviews, OFAC reporting

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Field Point Private Bank, CT 2015 – 2016

Vice President, BSA/AML/OFAC Officer

Managed daily BSA/AML/OFAC duties, as well as, Internal Fraud Investigation’s functions, such as, ensuring monetary instrument monitoring had appropriate controls in place to mitigate risk. Administered relevant changes to bank policies and procedures ensuring accordance with rapidly changing Compliance and Regulatory laws.

Executed action plans related to internal and external exam management, consultants, regulatory interactions and other parties leading to successful audits with no findings pertaining to BSA/AML and Fraud activity.

Developed First Operational and Procedural BSA/AML/Fraud policy for monitoring system and identified over 90% lack of managing these relationships as the risks identified were with Private Investments relations in Tax Haven countries.

Conducted Audits of AML, BSA, OFAC components including, but not limited to KYC/DD/Beneficial ownership requirements, transaction monitoring, CTR/SAR filing, adherence to Policy & Procedures, Alerts, Cases, EDD reviews, OFAC reporting

Additional Experience

VP, Compliance Liaison & Operations, Bank of America, 2013 – 2015 VP, Operations & BSA/AML/Compliance Liaison, JP Morgan Chase, 2007 – 2013 VP, Branch Operations Manager, Webster Bank, 2005 – 2008 VP, Branch Operations Manager, Hudson United Bank, 2004 – 2005 VP, Branch /Operations Manager, Wachovia, Location, 2004 – 2004 VP, Compliance / Branch Manager, People’s United Bank, 1992 – 2004 VP, Branch International Manager, Citibank, Dominican Republic, 1998 Publications and Speaking Engagements

ACFE, Speaker 2021 “Fintech Banking Relationships” ACFE, Las Vegas- “Fintech and the meaning for Financial Industries” ACAMS Latin America/Caribbean-Puerto Rico- “Correspondent Accounts” ACAMS Latin America-Mexico- “Correspondent Accounts” ACAMS Latin America/Caribbean-Mexico- “Proper Monitoring of Alerts” ACAMS Latin America/Mexico- “Due Diligence and Trade Based Monitoring” ACAMS- “Financial Crimes Investigations – SARs”

BSA/AML Round Table- “BSA/AML Best Practices”

Field Point Private Bank- “International and Off-shore Business Accounts” Field Point Private Bank- “Red Flags and Off-Shore Accounts” Journal of Finance- “Latin America, Caribbean and Corruption”, 2018 Knowledge Group- “The Strong BSA/AML Compliance Program” PenFed- “SAR Narratives & Assisting Law Enforcement” PenFed- “Transforming Investigations into Effective SARs” Languages

Spanish, Fluent

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