Client Onboarding Regional Hq

Justus M. Howley

** ********* ******, **** ******, NJ 07052 / 973-***-**** / *******@*****.***

A subject matter expert in the areas of BSA AML, OFAC, KYC, Compliance, Regulatory (Anti-Money Laundering Act of 2020, Investment Advisors Act of 1940, Bank Secrecy Act, Mifid, FATCA, EMIR, Dodd Frank Title VII etc.) & Counterparty Due Diligence including the End-to-End Onboarding Process Experience Lifecycle (KYC/AML, Tax, Credit/Risk, Legal & Trade Set-up). I am highly educated/informed on the ongoing evolution towards complete automation of traditional ‘BAU’ processes spread across the banking/capital markets space & all relevant/applicable third-party vendors/utilities that offer strategic value to Buy & Sell-Side firms across the Client Onboarding and Compliance sectors.

Credit Suisse Securities (USA) LLC / New York, NY / April 2022 – Present

Senior Compliance Consultant

Development & Maintenance of Written Supervisory Procedures, Business Requirement Documents & Controls in relation to Sarbanes-Oxley

Investigate operational risk incidents and control breaks, helping identify root causes and advising on developing preventative solutions

Advising, documenting & testing of operational controls under various risk frameworks

Evaluating processes, systems or other changes required to comply with new laws/regulations

Pillar Compliance Group, LLC / Short Hills, NJ / December 2021 – April 2022

Compliance & Regulatory Consultant

Development & Maintenance of Written Supervisory Procedures, Business Requirement Documents & AML Compliance manuals ensuring adherence to SEC Rule 38a-1

Assist with interpretation, adherence and guidance on the SEC’s new marketing Rule 206(4)-1 that consolidates the current Advertising and Cash Solicitation rules into a single Marketing Rule

Chaperone ‘expert network’ calls between clients of the firm and potential QIB’s/Investors in accordance with SEC Regs

Provide SEC, CFTC/NFA and FINRA preparation support services in advance of regulatory audits

FINRA & SEC Filings – BD, BR, U4, U5, NMA, PF

Commonwealth Bank of Australia / New York, NY / October 2020 – November 2021

Senior Manager/Head of Client Onboarding & Relationship Services, Loan Administration & AML/KYC Recertification teams

Oversaw 3 different functions (11 Headcount total) in support of CBA’s North American Capital Markets Sales & Trading business as well as the Corporate Banking & IB Loan (Syndicate) platform including the Client Onboarding (KYC/AML & QA), KYC Refresh & Loan Administration teams

Enhanced firm transaction monitoring program & OFAC adherence standards

Initiated cross-selling opportunities during the onboarding process when clients would come in from one business line, by pitching other products available to them that were part of the strategic product suite

Took a significant role in coordinating response to annual OCC compliance audit by ensuring deliverables were provided with urgent formality to ensure a favorable Audit outcome

Rebuilt depleted Client Onboarding and Relationship Services functions which lacked sufficient headcount, a formalized and transparent mandate and growth plan, relevant Subject Matter Expertise & provided & developed commercial training & fundamental education for staff including JIRA/Confluence usage

Helped fortify CBA’s New York Loan Administration team which after commissioning & overseeing a functional continuity plan, I had determined that the team had been taking on undue operational risk due to a lack of sound infrastructure/technology as well as a 20% shortage of headcount

oClient satisfaction survey results captured before & after these two initiatives were completed showed significant increases in client satisfaction, worker efficiency rates, error reduction %’s, etc.

Perficient, Inc. / Weehawken, NJ - Regional HQ Office-UBS AG / September 2019 – July 2020

Senior Consultant/Project Manager & Client Onboarding Liaison – Project Lifecycle Consultant supporting UBS Wealth Mgt. Americas transition onto new Client Service platform via Broadridge

Customer Relationship Oversight and Continuous Satisfaction Liaison / Process Analysis, Carry-On Cost Reduction Implementation Expert, Third Party Vendor/Marketplace SME & Client Relations Manager

·Provided market expertise to in the development & implementation of the fully integrated & scale-able Customer Relationship & Optimization platform to double as UBS’ COB tool to meet clients’ bespoke needs

·New enhancements I personally championed in my role as a process optimization/client service advocate:

o24/7 access to live/real-time client account, trade & performance data for exclusive accessibility by clients, Front Office client coverage officers & UBS Compliance, UBS Risk, UBS Audit etc.

oLeverage new tool to enforce SLA’s regarding cross-border alignment on client onboarding/remediation prioritization, sharing client data/docs to optimize client solicitation & improve internal collaboration

BNP Paribas Securities Corporation / New York, NY / September 2010 - March 2019

Director/Head – Global Markets Client Integration, Operations Client Relationship Management & Client Recertification, Engagement & Support teams

–All Capital Markets (+ Equities, Futures & Commod.) – 9

During first 3 years at BNP, managed a team of Capital Markets KYC Onboarding Officers

Utilizing Lean and other strategic organizational and project management style governance philosophies, we were able to reduce average onboarding lead times for Calendar Years 2011 and 2012 across all Tiers of clients (High, Medium & Low Risk)

On three year anniversary with BNP, with months of mounting front office support culminating in my own personal ‘road show’ and marketing campaign where I advocated for the establishment of a brand-new team created to ‘quarterback’ the ‘End to End’ Client Onboarding process & experience, BNP’s Regional Bank Mgt. formally approved my new proposed team charter and granted me the resources to begin building ‘Global Markets Client Integration’ in September 2013

oMandate of GMCI - Provide the banks Capital Market clients & their Sales/FIC sponsors with a onboarding process ‘Subject Matter Expert’ & ‘Single Point of Contact’ to leverage throughout the COB process from submission of initial business request to trade readiness/go-live, while also providing ad-hoc support to internal teams (KYC, Risk, Legal, Regulatory, Operations, Compliance) to meet a higher % of client trade deadlines & drastically improve BNP’s ‘on-time’ Dealer readiness statistics”

oOctober 2013 – August 2016 - During these 3+yrs, GMCI would grow in both headcount (1FTE to 9 FTE) as well as product areas covered

oAugust 2016 - The team was the Onboarding “quarterback” for the Banks entire Fixed Income, FX, Equities & Commodities platforms covering all products from vanilla products incl. Bonds, Treasuries, Mortgages, Bank Loans to OTC Derivatives incl. Interest Rate, Credit Default, FX, Commodity Index Swaps & Equity Swaps & Options. Futures, TBA’s & Cash Equity also covered

Established Client Onboarding Prioritization & Tiering Methodology. Weekly Task Force on behalf of Capital Markets/SRM’s to optimize allocation of Client Onboarding resources towards the most important clients for the firm which established greater alignment/collaboration during client onboardings

Midway through my time at BNP, the Operations Client Relationship Management team was in need of a complete restart, as individual morale & team dynamics were both at a critical low/impasse

oIn July 2015, was given oversight over the Operations Client Relationship Management team and from there I set out on a 6mo plan to refortify the team with staff who were eager to learn, highly accountable and hungry to service BNP’s Top 50 Institutional clients no matter the time or day.

oBy the start of 2016, the team was rebuilt, rebranded, marketed internally and to our covered clients, and was resolving more escalations than any time in the past (since metrics were kept) in less and less time and client satisfaction rates during broker reviews flourished to all-time highs

In 2017, to address the growing problem of KYC Recertification being mismanaged by the KYC team, and SRM’s being inundated with countless and disorganized requests for Recertification documents/support, we launched the Client Recertification, Engagement & Support team

Bank of America / New York, NY / May 2008 – September 2010

Client KYC/AML & Due Diligence Analyst

Customer KYC/AML team. Responsible for conducting deep-dive analysis and background research into prospective clients of Bank of America’s Fixed Income and Equity Sales Desks as well as new High Net Worth clients of Merrill Lynch.

Designated team liaison for Front Office engagements and partnerships

Lehman Brothers / New York, NY / September 2006 – April 2008

Client Due Diligence Analyst –

Conducted Due Diligence on Lehman’s Fixed Income, Equities & Prime Financing Clients (as well as HNW Retail Clients of Neuberger Berman)

Education, Licenses & Professional Accolades

University of Scranton, Scranton, PA - Bachelor of Science (B.S.), Criminal Justice – May 2003

Management & Strategy Institute (MSI) – Lean Six Sigma White & Yellow Belts – June 2019

MSI – Team Supervisor & Project Management Essentials Certifications – March 2020

FINRA Series 99 / Operations Supervisor – May 2015

FINRA Securities Industry Essentials SIE Examination – October 2018

BNP Paribas Corporate & Investment Banking – Global ‘Leader for Tomorrow’ – 2015-2018

Personal Interests

Travel, European/Russian History, Family Lineage, Reading, Coaching youth sports, Food & Wine

Charitable/Other Endeavors

West Orange Chamber of Commerce, Christopher & Dana Reeves Paralysis Foundation, USA Wrestling, Rutgers University Foundation, Hungarian American Coalition

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