Member Team Consultant

William Andrews, CFE

Maplewood NJ ***** 973-***-**** *************@*****.*** linkedin.com/in/william-andrews-cfe

Financial Crimes Compliance Officer Profile

Dynamic and highly trained financial compliance consultant with 15+ years of experience at Fortune 500 companies. Proven ability to provide risk assessment, compliance, and operations management to recoup revenue, implement risk-avoidance policies, and increase efficiencies.

AREAS OF EXPERTISE

Global Compliance Strategy

Risk Assessment & Tolerance

BSA, AML, KYC, CIP, & OFAC

Filing SARS via FINCEN

Correspondent Banking Insight

Private Banking Acumen

Back-Office Ops Brokerage DTC

Operational Policies Oversight

Consumer & Retail Banking

Reg B, Reg P, Reg E, Reg V

HMDA, CRA,

Investment Advising

Asset Management Guidance

Governance & Reporting

Merchant Banking Knowledge

UDAAP, Truth In Lending

PROFESSIONAL EXPERIENCE – CONTRACT WORK

AML INVESTIGATOR Safra National Bank, NYC 05/2022 to 07/2022

Conduct BSA / AML EDD Investigations.

Inspects transactional data employing system generated spreadsheets to recognize suspicious

activity and back determinations.

Conduct alert reviews and transaction analysis.

Perform ongoing monitoring and analysis specific to AML / BSA and Fraud.

FINANCIAL CRIMES CONSULTANT Woori America Bank, NYC 07/2019 to 02/2020

Perform lookback investigations and document suspicious activity alerts utilizing the AML case management system (Patriot Officer) with in-depth research and detailed account analysis.

Assists in the monitoring and review of bank-wide high risk customers as an enhanced due diligence procedure analyzing transactional behavior of the client, their related accounts, and counterparties.

Observe transaction activities within customer accounts and compare with detailed information obtained from conducted site visits to ensure customer's existing BSA/AML profile are consistent.

Recommend a course of action to address issues noted during the reviews: escalate to SAR, draft RFI, account closures, review sanctions screening against the watchlist, and contact bank branch.

AML FINANCIAL CRIMES CONSULTANT ACA Telavance, Iselin, NJ 12/2018 to 03/2019

Oversee the investigation of regulatory requirements applicable to money laundering and terrorist financing. Ensured compliance with the Bank Secrecy Act, the USA PATRIOT Act, US Treasury AML guidelines, OFAC requirements, and Suspicious Activity Reporting.

Uncovered more than 10 cases with substantial transactional evidence to support legal actions.

AML COMPLIANCE CONSULTANT Shinhan Bank, NYC 06/2018 to 10/2018

Identify, analyze and make recommendations regarding further investigation utilizing automated and manual AML reports, as well as draft narrative for recommendations and file suspicious activity reports. Identified and filed several cases with a total revenue recoup potential of up to $100M.

AML/KYC ANALYST Bank of America Merchants Services, City, NYC 08/2017 to 11/2017

Investigating alerts, performing investigations, or enhanced due diligence reviews for potentially suspicious KYC activity. Conducted periodic holistic reviews of higher risk individuals or entities.

Developed mitigation processes in line with risk tolerance of institution.

AML INVESTIGATIONS CONSULTANT Alma Bank, Clifton, NJ 01/2017 to 06/2017

Implemented and enhanced US regulatory AML compliance program, including improvements of database for monitoring, testing, tracking and methodology validation.

Improved compliance processes, as well as educated and gained support of cross-functional teams to significantly reduce risk.

AML INVESTIGATIONS CONSULTANT Investor Bank, Iselin, NJ 05/2016 to 7/2016

Analyze account histories and transactions to assess and potentially escalate an alert to investigate; draft and prepare suspicious activity reports.

Collaborated with a diverse group of stakeholders on first and second line of defense functions; drove efficient follow through and quick turnaround.

AML COMPLIANCE CONSULTANT Bank Habib Ltd, NYC 02/2016 to 03/2016

Oversaw in-depth BSA/AML investigations requiring Prime, World Check, Google, Google Negative News, Ftmon, Halo) to identify wrongdoing.

Gained familiarity working with regulatory oversight agencies and developed agreed upon action plans for mitigating findings.

AML SURVEILLANCE CONSULTANT Nomura Securities, NYC 04/2015 to 09/2015

Led the charge surveilling fixed income and equity trades for evidence of price manipulation. This included the reviewing of negative news media to determine if AML related or a personnel issue.

Attended court hearings, depositions, conducted interviews, and gathered factual evidence regarding allegations of fraud.

KYC SUPPORT CONSULTANT JP Morgan Chase, NYC Similar assignments in 2011, 2012, & 2015 Highly focused on process improvements of the KYC records during the onboarding process. Oversee and facilitate client due diligence, including participation of JP Morgan stakeholders.

Recognized as financial crime compliance subject matter and point of contact for policies and procedures.

Transaction monitoring.

Sanctions screening for SDN (specially designated nationals).

AML COMPLIANCE CONSULTANT Bank of Tokyo, Jersey City, NJ 05/2014 to 10/2014

Instrumental in investigating financial crime compliance risk events including supervising the review of AML alerts, SARS preparation, and streamlining processes for compliance policies and protocol.

In charge of a 10-member team responsible for monitoring transactions.

COMPLIANCE BUSINESS MANAGER Pfizer, New York, NY 06/2012 to 04/2013

Performed Foreign Corrupt Practice Act (FCPA) due diligence for clinical trials in accordance with corporate Standard Operating Procedures ensuring consistency and compliance.

Conducted due diligence steps as necessary to approve or reject proposed engagement.

KYC INVESTIGATOR Nordea Bank, New York, NY 02/2011 to 05/2011

Performed enhanced customer due diligence via customer due diligence case management tool in addition to performing QA analysis pertaining to KYC documentary issues.

Responsible for (KYC) updates for existing customers and AML compliance.

AML COMPLIANCE CONSULTANT Wells Fargo, New York, NY 08/2010 to 02/2011

Monitored AML alerts for new and existing accounts including KYC documentation reviews in addition to conducting compliance reviews on client accounts, back-office operations, and procedures for branch audits

Conduct analysis and identify opportunities for non-compliance based on defined regulations.

AVP ENTERPRISE RISK MGMT. (full-time position) State Street Bank/IFS, NYC 10/2007 to 01/2009

Evolved and supported governance, risk, and reporting to enhance the effectiveness of compliance and operations controls. Identify trends and asses the operational, fiduciary, AML and documentary risks.

Supervised cross functional team of 10 junior analysts.

ADDITIONAL WORK EXPERIENCE

Trusted by the following companies to provide Full time and Compliance Consultancy Services: 2002-2007

Deutsche Bank UBS Financial Services Bear Stearns Pershing Advisory Solutions PaineWebber

Goldman Sachs HSBC Morgan Stanley Merrill Lynch Wells Fargo Advisors LLC Citigroup

EDUCATION & CERTIFICATES

Master of Arts, Liberal Studies Rutgers University, Newark, New Jersey

Bachelor of Science, Criminal Justice Rutgers University, Newark, New Jersey

Certified Fraud Examiner Certification (CFE)

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