Risk Management Regulatory Compliance

PASQUALE RUBINO

**** ****** ****** ~ Brooklyn, New York 11214 ~ ***************@***.*** ~ 917-***-****

Compliance Professional

Detail-oriented and highly analytical Risk and Controls Professional with over 15 years of experience specializing in consumer regulatory control testing, risk management, and risk control self-assessment (RCSA). Extensive expertise in performing testing on consumer regulations, evaluating control design effectiveness, and executing end-to-end testing procedures to ensure regulatory compliance. Proven ability to identify, assess, and mitigate risks across various lines of business, ensuring adherence to regulatory standards and reducing operational risk exposure. Adept at collaborating with cross-functional teams to develop and implement effective control frameworks, conduct root cause analysis, and recommend actionable improvements. Skilled in producing comprehensive testing reports and providing strategic recommendations to enhance control environments. Seeking to leverage deep RCSA and consumer/financial control testing expertise, to include test design, planning, scripting, executing, reporting and remediating, to drive compliance and risk mitigation initiatives.

Additional core competencies include:

BSA & USA PATRIOT Act Financial Crimes Investigation

Anti-Money Laundering Investigation & Due Diligence

Financial Advising Risk Management & Mitigation

Transaction Monitoring Suspicious Activity Report Filing

Customer Due Diligence Enhanced Due Diligence

Know Your Customer 314a and 314b

Professional Background

DISCOVER FINANCIAL SERVICES Riverwoods, IL (October 2024 – January 2025)

Risk Management, Senior Compliance Tester

Centralized compliance testing team within the Risk Department that conducts independent, risk-based compliance testing to assess the effectiveness of operational procedures and key controls over regulatory compliance.

Key Achievements:

●Execute testing across business units for adherence to Federal and State regulatory requirements and assists the manager in leading the Compliance Review.

●Actively manage and escalate risk and customer-impacting issues within the day-to-day role to management.

●Evaluates business policy, procedure, training and processes with respect to regulatory requirements.

●Compile and maintain work papers and supporting documentation of tests and findings.

●Monitors and tests business action plans established to correct deficiencies.

LINCOLN FINANCIAL SERVICES Fort Wayne, IN (September 2023 – to March 2024)

Risk Management, Compliance Associate

Risk & compliance associate provides guidance and assistance to business unit financial advisors regarding relevant regulations and the integration of regulatory requirements into business plans and processes.

Key Achievements:

●Assist business lines in documenting the controls related to all relevant risk, compliance with laws and regulations, established compliance programs, internal controls and operational processes.

●Reviews regulations, accounting principles and new pronouncements to ensure they are incorporated into firm procedures.

●Provide guidance to the sales team with regulatory requirements for transactions.

●Monitored training, registration and licensing requirements for employees.

COMMUNITY FEDERAL SAVINGS BANK New York, NY (August 2021 – to September 2023)

Compliance Testing and Monitoring, Testing Specialist

Provide second line of defense overview for the bank ensuring its adherence to regulatory requirements and laws. By reviewing the Bank’s business lines, processes and procedures to identify potential risks that may lead to unmitigated risk and criticism to the bank.

Key Achievements:

●Plan periodic testing design, planning, scripting, executing, reporting and remediating, to drive compliance and risk mitigation initiatives.

●Identify and discuss issues identified during the testing and monitoring reviews with the appropriate Bank stakeholders.

●Monitor outstanding issues identified by Compliance, the external auditors, or regulatory examiners to ensure they are remediated in a timely manner, or the target dates are appropriately extended in accordance with Compliance procedures.

●Assist with preparing the monthly Regulatory Compliance reporting package for the Board of Directors.

●Identify and develop testing and monitoring tools to promote efficiency in the review process.

●Stay up to date in changes to relevant consumer, deposit, and lending rules and BSA/AML regulations.

BANK OF AMERICA, New York, NY (February 2017 – December 2020)

Vice President, Testing Specialist

Conducted quality testing execution, reporting and analysis of results. Identified trends at the front-line unit, control function and enterprise level. Reviewed data from source systems for monitoring operations compliance to banking Laws, Rules, and Regulations.

Key Achievements:

●Assisted in the test development process, creation of testing steps and training of colleagues to execute Low Price Securities reviews for line of business stakeholders.

●Demonstrated the ability to provide stakeholders with quality testing results for various testing to include equities, processes, and controls according to the firm’s procedures and/or industry Rules.

●Keeping abreast of banking Laws, Rules, and Regulations to provide risk assessment when needed.

●Identified opportunities to improve global risk functions by utilizing different systems or methodologies to improve testing.

UBS INVESTMENT BANK, Weehawken, NJ (June 2015 – September 2016)

Authorized Officer, Financial Crimes Investigations

Conducted due diligence searches on third-party and internal databases. Completed investigative reports by compiling documentation and evidence. Developed accurate and reliable reports of investigation. Completed timely Suspicious Activity Reports. Monitored client accounts for potential matches to designated sanctions targets and prohibited persons lists. Delivered monthly reports on case findings and performance to senior management.

Key Achievements:

●Served as the primary investigator during Penny Stock and Swap Trading cases.

●Assisted in training several Compliance Analysts.

●Partnered with additional AML and fraud resources to support AML and fraud investigations across multiple lines of business.

●Initiated section 314 of the USA PATRIOT Act requests to other participating financial institutions while advancing investigations.

●Provided recommendations to exit account relationships with customers that were suspected of criminal activity and posed a risk to the firm.

●Facilitated investigations based on inquiries from regulators (SEC and FINRA) and internal monitoring systems relating to insider trading, market manipulation, and other suspected money laundering and fraudulent financial activities.

●Gained specialized expertise in BSA regulations and FinCen guidelines relative to BSA Suspicious Activity Reporting and money laundering schemes and investigative techniques required to detect such schemes.

UBS FINANCIAL SERVICES, Weehawken, NJ (January 2011 – June 2015)

Authorized Officer, Monitoring Investigations

Facilitated reviews on Microcap Securities alerts flagged across Wealth Management, Private Bank, and Investment Bank business lines reports for potential violations with internal controls, industry rules/regulations, and market conduct related securities fraud. Conducted investigations on suspicious activity arising from account surveillance, branch escalations, and Grand Jury subpoenas. Advised branch management and supervisory personnel on higher risk clients. Tested reports for gaps and recommended enhancements to reduce risk.

Key Achievements:

●Facilitated reviews of domestic and international clients for possible violations of all relevant sections of the Bank Secrecy Act and USA PATRIOT Act, Office of Foreign Asset Control, SEC/FINRA regulations.

●Analyzed account activity indicative of money laundering, terrorist financing, and suspicious securities and fund movement patterns.

●Advised branch management and regional supervisory personnel concerning higher risk clients and implementation of the firm's policies and procedures.

●Garnered recognition as the subject matter expert for Penny Stock reviews, which included assisting in ad-hoc reviews of Penny Stocks that led to firm policy changes.

●Updated statistics, identified patterns, and contributed to management reports for appropriate escalation of significant issues and accomplishments.

WEALTH MANAGEMENT AMERICAS SURVEILLANCE, Weehawken, NJ (April 2006 – December 2010)

Compliance Specialist

Analyzed exception-based product, employee, and customer surveillance reports for potential sales practice issues and ensured compliance with firm policies and procedures. Completed ad-hoc surveillance reports using Oracle Discoverer application.

Key Achievements:

●Prepared formal memos and recommendations for account escalation to compliance management.

●Partnered with branch supervisors, legal, and compliance professionals to resolve surveillance inquiries and reviews.

●Coordinated with compliance technology group on development and testing of new surveillance reports.

BANK OF AMERICA, New York, NY (February 2003 – October 2005)

Compliance/Trading Analyst

Performed internal audits including trading ticket audits, new account audits, procedural audits to comply with NYSE, and NASD regulatory requirements. Opened and reviewed new, margin, and option accounts. Distributed, tracked, and reported trade disputes, commission adjustments, and broker grievances. Placed equity, option, and mutual fund trades for clients.

Key Achievements:

●Conducted surveillance of employee accounts and trading in proprietary accounts.

●Provided final sign off of correspondence per compliance regulations.

Early Career:

National Discount Brokers, New York, NY – Correspondence Desk/Trading Department, Manager

Rubino & Sons Construction, Brooklyn, NY – Principal

Euro-Atlantic Securities, New York, NY – Stockbroker

European Communications, Inc., Brooklyn, NY – Manager

D.H. Blair & Company, New York, NY – Stockbroker

Education & Credentials

Certified Electronic Technical Program

DeVry Institute of Technology, Woodbridge, NJ

Credentials of:

Series 24, General Securities Principal License

Series 4, Registered Options Principal License

Series 7, General Securities Representative License

Series 63, Blue Sky Laws License

AECR, Achieving Extraordinary Customer Relations Certificate

Technical Skills

Actimize, Consultworks, LexisNexis, Data Warehouse, Bloomberg, Pershing, ADP, Socrates Systems, Microsoft Office (Word, Excel, PowerPoint)

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