Quality Assurance AML Advisory Correspondent Banking Risk & Controls

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Yvette Irving

** ****** ****** ******, **********, NJ 07601 Tel: 571-***-**** Email: adzthb@r.postjobfree.com Summary:

Leader with significant banking and regulatory compliance experience guiding teams focused on improving the BSA/AML and Sanctions internal control environment to drive policy, process, training, and culture improvements to exceed regulatory requirements and meet industry best practices. Areas of expertise includes Financial Crimes Compliance (FCC), Know Your Customer (KYC), Sanctions, Quality Assurance Testing, Policies and Procedures and Regulatory Examination Management. Professional Experience:

Sumitomo Mitsui Banking Corporation

Executive Director – July 2022- April 2023

Director, May 2020- June 2022

Led Financial Crime Prevention Unit Quality Assurance (QA) team of 18; responsible for testing KYC, Sanctions and Financial Intelligence units on a monthly basis.

Executed annual QA Testing Plan completing 30+ tests, issuing Corrective Action Plans leading to positive Internal Audit, Compliance Testing and Regulatory examination results.

Created Foreign Correspondent Banking Program; components included a new transaction activity report to evaluate account activity, AML Call Report and AML Risk Summary.

Led the AML/Sanctions Risk Assessment and AML Country Risk Assessment Processes. Selected Accomplishments

Established the first Financial Crime Prevention Unit Quality Assurance Testing (QA Testing) Program, including continuous enhancements to the Program.

Implemented Foreign Correspondent Banking (FCB) program which uplifted KYC and transaction activity analysis for SMBC’s FCBs to meet industry and regulatory standards. o Initiated and documented AML Program discussions with 20+ Global AML Officers. o Developed AML Call and AML Risk Summary templates to document and assess AML risks.

Oversaw transition of AML and Sanctions Risk Assessment to new platform. Allstate

Agency Owner - Dec 2017 - Mar 2020

Opened and expanded an Allstate insurance agency providing auto, home and life insurance to customers. Citibank

Institutional Clients Group, Treasury and Trade Solutions (TTS) Director & Global Head In-Business Risk and Controls- June 2015 - May 2016

Evaluated and aligned global In-Business Risk and Controls organization to strengthen the mitigation of operational risks.

Led Operational Risk Management efforts to redesign the Management Control Self- Assessment and Third Party (Vendor) Management processes and programs.

Served as Chair of the Third-Party Governance Committee, Secretary of the Business, Risk, Controls and Compliance Committee and the TTS In-Business Risk Data Privacy Officer. 2

Institutional Clients Group, Treasury and Trade Solutions (TTS) AML Quality Assurance Head & Director - Dec 2011- May 2015

Recognized for anchoring all activities to setup and mature a pioneering QA team to evaluate and improve the quality of FCB KYC documentation.

o Managed a complex workload of KYC records for QA review including FCB, Embassy and MSB clients. Maintained and updated global QA program and QA review process. o Managed and developed a global team with staff in the UK, Malaysia and the US.

Developed monthly metrics on the quality of KYC records and recommended strategies for improvement including the development of training and policy guidance.

Trained Relationship Managers, QA team and other stakeholders on Citi’s KYC standards and regulatory requirements.

Selected Accomplishments

Developed and implemented a QA review process for analysis of KYC documentation, AML Program components and transaction activity.

Completed QA reviews of KYC documentation of 1000+ FCB clients on a yearly basis, with significant improvement in FCB KYC documentation and AML risk analysis.

Upgraded KYC documentation and analysis of 500+ FCBs in advance of regulatory examination. Institutional Clients Group, AML Compliance

Senior Vice President – September 2005 - December 2011

Provided AML direction regarding required Client Due Diligence and documentation, negative news, Senior Public Figure designations as well as interpretation and application of existing AML Policies. Provided concurrence to AML Investigations team on SAR filings. Advised on Anti-Bribery and Corruption issues.

Updated ICG AML Program and developed guidance documents. Led ICG AML reporting efforts and coordinated with regional AML counterparts.

Led time sensitive effort to improve KYC standards and platform to capture enhancement to due diligence for correspondent banking clients. Served as secretary of the Correspondent Banking Oversight Committee.

Developed and delivered AML training to relationship managers, regional compliance, and KYC support teams.

Led regulatory examination and internal audit preparation efforts. Selected Accomplishments

Directed the activities of a working group tasked with improving Citi’s AML due diligence process for correspondent banking clients and capturing improvements in the KYC platform.

Implemented industry leading enhancements to Citi’s FCB KYC standards that required comprehensive analysis of a client’s AML Program and AML Supervisory Regime. Trained relationship managers, Regional AML Compliance and support units on the new standards.

Co-managed the Anti-Bribery & Foreign Corrupt Practices Act (FCPA) Working Group established to strengthen the control framework for FCPA and anti-bribery laws applicable on a global level. 3

Secura Group

Senior Consultant - March 2003 - August 2005

Led consulting projects focused on financial and risk management.

Assisted clients in business/financial planning, charter applications/conversions, regulatory compliance, and governance.

Performed regulatory compliance work that included assessment of AML and consumer compliance programs.

Board of Governors of the Federal Reserve and Federal Reserve Bank of New York Supervisory Financial Analyst - March 1998 - March 2003

Supervised and reported on financial and control fundamentals of large foreign-owned domestic banks as well as the U.S. operations of the foreign banks of Canada, Netherlands, Venezuela, Colombia, Peru and Ecuador.

Identified and communicated policy recommendations as well as highlighted vulnerabilities with individual financial institutions that could adversely impact the U.S. and global economy.

Defined supervisory strategies, monitored enforcement actions and remedial measures.

Maintained relationships and conducted visits with home country banking supervisors to ensure effective supervision of foreign banking organizations. Bank Examiner & Analyst - August 1995 - March 1998

Monitored the financial soundness of a portfolio of banking institutions, with focus on assessment of the financial condition, ongoing safety and compliance with banking laws and regulations.

Researched and reviewed foreign financial systems that entailed analysis of the financial system structure, condition, accounting practices and supervisory regimes.

Performed quantitative and qualitative analysis of capital, asset quality, earnings, liquidity, internal controls and risk management for domestic banks, bank holding companies and foreign banking organizations.

Education

University of Virginia, Darden Business School

o Master of Business Administration

Northwestern University

o Bachelor of Arts, Economics

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