Financial Intelligence Program Management
Resume:
Patricia A. Rodriguez-Autore
MBM, CFE, ACAMS, CFI, CRCM, CIA, CBS
PROFILE
Executive with over 25 years of experience
in the financial intelligence industry, I have
successfully accomplished various tasks
such as overall program management,
analytic assessments, executing policies
and procedures, regulatory government
liaison, training, risk assessment, and
managing remediation efforts. My
expertise lies in developing and
implementing action plans to close
regulatory gaps effectively. In addition of
overall governance of all program
elements within the Financial Intelligence
Department.
My extensive background in financial
intelligence, coupled with my proven track
record of delivering results, makes me a
valuable asset.
CONTACT
PHONE:
www.linkedin.com/in/patricia-
rodriguez-autore
DC, VA, MD
EMAIL:
**********@*****.***
EDUCATION:
MBM: Master of Science in
Compliance; Minor Business Ethics -
NEB- MA
BS: Bachelor of Science in Business
Management
UOP- AZ
AS: Political Science – SHU- CT
PhD: (In Process)
Professional Accomplishments:
Closed over $ 500 million dollars in money laundering transactions categorized AML & terrorist related financing
Assessed and managed millions of dollars in High-Risk products and Services including overall controls, procedures governance, and monitoring
On boarded and provided Model Validation of multiple case management, applications, and systems
Remediation and Closure of ALL MRIA/MRA’s inherited by predecessors
Initiation, Execution and Governance of multiple BSA, AML, OFAC and Fraud Departments and Programs
Decreased Fraud by millions of dollars by preventative and detective methods
Designed a staffing matrix enabling management to conduct a cost/benefit analysis for team expansion, generating a 200% increase of productivity
Optimized and calibrated multiple monitoring system
Execution of Audits of AML, BSA, OFAC, & Fraud Components ensuring adherence to Regulatory requirements for above satisfactory results
Reduction of false positive alerts by 75%
Increased Data reporting including Analysis, Trends, and Typologies by over 250%
Improved Monetary tracking errors throughout the company by over 180%
Reduced CIP Exception Violations by over 300%
Executed and Managed Risk Assessments and Gap Analysis (BSA/AML/OFAC & FRAUD); Set forth Remediation and Action plans with successful closure of all Inherent and Residual risks.
Developed Enterprise Risk Assessment, assed Inherit and Residual controls, developed ERM remediation plan with logistics in ensuring regulatory mandates set by Regulators, Audit Committee, Board, and Executive leadership, Regulators, Audit Committee, and Executive Leadership
Spearheaded Fintech BSA/AML/ OFAC & Fraud Program(s)
Spearhead International Program embedded within Financial Institution including, but not limited to Country Matrix, Affiliated Risks, Policy, Procedures, and Governance
Managed and execution of over 25 Mergers and Acquisitions from a Risk and Governance perspective
Talent Acquisition: Staffing, creating job descriptions, coaching, and training of up to 100 staff members
Saved $ 7 million dollars in Fraud through implementation of internal controls, monitoring, procedures, and governance
Data Reporting, Analytics of Trends and Typologies, Analytic assessment for direct reporting to CEO, Board members, Risk/Governance Committees, Regulators and Auditors
Incorporated Quality Control and Quality Assurance throughout all Financial Institutions including but not limited to parameters, thresholds, and other metrics Proven Recognition:
One out of three nominated Bank wide to Represent Businesswomen in Virginia
Panel Speaker for Businesswomen “Challenges in the Corporate Arena”
Voted to steer Diversity & Inclusion Committee within the organization
The only female Hispanic Executive to lead mentoring program of V.P levels and above
Pan Speaker for bringing “Awareness in a Diversity/Inclusion Environment”
Chair of BSA/AML & OFAC Governance Committees
Chair of BSA Design Enhancement Teams
Chair of Quality Control/Assurance Programs
Recognized by FinCEN due to quality of FinCEN SARS submissions that led to multiple indictments (two separate occasions)
Recognized as “Top Profession Women Leaders” by Women’s Business Virginia Association
Recognized as “Top Leadership” by SSB
Subject matter expert speaker for ACFE, ACAMS, ACFS, Women’s Business Association, MBCA, FinCEN, FDIC
Published author
CERTIFICATIONS:
Cannabis Specialist Certification
BSA/AML School – VBA School
ACFE-Certified Fraud Examiner-
CFE/CFI, CRCM, CIA
Operations Leadership Excellence-MIT
ACAMS Certification(s)-ACAMS
Training Facilitator Certification
Project Risk Management
Certification
Fintech: Foundations & Application
Fintech: Foundations, Pymts &
Regulations
Cryptocurrency and Block chain-
Lending Crowdfunding –Investing-
Application of AI, Insur Tech, Real
Estate
PUBLIC SPEAKING:
Speaker- FFIEC Financial Institution
Accounting Specialists Conference
2022 FDIC, OCC, FRB, and
Governmental Agencies
ACFE, Speaker 2021 “Fintech Banking
Relationships”
MBCA “OFAC FinCEN ruling”
Virginia Women Professionals-
Overcoming career obstacles
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: Fluent Spanish, Italian
(Intermediate)
Work History:
Sandy Spring Bank 2/2022 – Present
Senior Vice President, BSA/AML & OFAC Officer
Successfully re-tool the BSA program to significantly improve the BSA/AML & OFAC Program based on Regulatory mandates in 2022; Closed all inherited gaps identified by Regulators
Complete all remediation plans based on Examiner’s scope and recommendations
Closed ALL gaps identified by Regulators as of YTD 2023
Action plan as far as Data Integrity/Reconciliation aligning with the remediation plan, but overall results will be seen in 2023
Establish BSA/AML oversight of all Business lines- Includes Procedures & Internal Controls
Establish Short term and long term CDD strategies and ensure timely implementation of ST strategies in 2022
Lead the BSA Design Enhancement team and related sub-groups to design and implement BSA program solutions
Effectively update the Regulators and the Board on BSA remediation plans, progress, and expectations, and areas of deficiencies or improvements needed
Author and execution of all Procedures and Policies across the FI
Fraud- Assisted in restructure of Fraud Program including but not limited to risk assessment, policies, internal controls, and training gaps
Prioritize and pursue additional program enhancements identified through the Gap Assessment
Complete the End-to End review of BSA Program (Gap Analysis) and integrate priorities into the overall remediation plan
Establish and complete the remediation plan for TPP/ACH BSA/AML OFAC Oversight
Identify areas requiring Supplemental BSA Training and complete additional training: targeted deficient areas Bank wide
Effectively establish the BSA Officer position and BSA function internally and externally
Demonstrate the leadership and influence required across business lines to enhance the BSA program
Provide effective reporting to senior and executive leadership, and to the Board and Board Committees as required
Build an effective relationship with the Regulators that promotes BSA/AML & OFAC program understanding and regulatory confidence in improvements
Develop an organizational “Network of Influence” to drive the cross organizational changes needed to improve the BSA function
Staffing Matrix and skill levels based on established BSA/AML workload and areas that were lacking BSA/AML oversight and staff accordingly
Recognized by Board, Executive Leadership, Auditors, and Regulators Trilliant Consulting LLC 4/2021-9 2021
Executive Consultant for RISK/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
• Assessed Internal Controls Both Inherit and Residual & Risk accordingly
• 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
• Governance of 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
• Author and execution of all Procedures and Policies across the FI Technical Skills:
Software: Microsoft Office (Word,
Excel, Publisher, PowerPoint, Outlook),
Analyst Notebook i2, Visio
Databases: World Check, Lexis-Nexis,
Dun & Bradstreet, CLEAR; Accurint;
Neustar, NICB, Alloy, Terafina, Optima,
FIS, Encompass, Ncino, Salesforce,
Prime, Action, 360, Quantitative,
Gro, Quantitative, Yellow Hammer,
Jack Henry, Smart Sheet, RDC,
Actimize, BAM, FIS; E-Wire, Optimize
SKILLS
• Well-Versed in BSA & AML Federal
Regulations
• Well-Versed in OFAC Federal
Regulations
• Well-Versed in Fraud Requirements &
Regulations
• Well- Versed in overall Compliance
Programs and Governance
• Risk Assessment and Gap Analysis
• Internal Audit
• Knowledge of laws, regulations,
mandate requirements
• Effective Communication with
stakeholders, business units, law
enforcement, and regulators
• Manage confidentiality components
of programs
• Excellent research and analytics
• Project Management
• Team Collaborator
• Liaison with Examiners and Auditors
during Examinations
• Data Reporting/Analytics
• System Validations/On Boarding
systems
• Maintain Policies, Procedures, and
Internal Controls
• Training of trends and typologies
• Variance Analysis
• Executive leadership
MVB Financial Institution, VA 2019 – 2021
Vice President, BSA and OFAC Officer
(Fintech/Fraud/ Retail/Consumer/Lending)
Created BSA/AML & OFAC FinTech program to adhere to Regulator mandates
Incorporated Fintech Fraud Department including but not limited to policies, risk assessments, and overall governance
Provide strategic guidance to establish an industry leading BSA program across five major departments, including Retail, Consumer, Fintech, Lending, and Fraud, Bank wide.
Foster a culture of compliance through the development and administration of a comprehensive training program, specifically designed to implement internal procedure, controls, policy and processes
Utilize data from complex transactional and behavioral analysis to create increasingly beneficial commercial lending relationships and risk according based on structure of business relationship
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
Spearheaded establishment of both the AML & Fraud Department included but not limited to processes, procedures, and training
Management of Incident Corresponding Team, resulting in an over 80% decrease in fraud detection and additional banking risks.
Author and execution of all Procedures and Policies across the Financial Institution Pentagon Federal CU, VA 2016 – 2018
Director, BSA/AML Financial Intelligence Unit
Recognized by FinCEN of quality and level of expertise of SARS submission that led to indictments
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
Author and execution of all Procedures and Policies across the FI Field Point Private Bank, CT 2015 – 2016
Vice President, BSA/AML/OFAC Officer – Investment/Trust Bank
Created BSA/AML & OFAC program for Investment/Private Banking along with Retail/Consumer/Commercial
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 Author and execution of all Procedures and Policies across the Financial Institution
Contact this candidate