Risk & Compliance Analyst Leader with AML Expertise

Annie Koch

+1-412-***-**** ************@*****.*** Pittsburgh, PA, USA

Education

Sawyer School

Certification, Computerized Office Specialist

Community College of Allegheny County

Certification, Nursing Assistant

Professional Experience

BNY Pittsburgh, PA, USA

Management Enhanced Due Diligence March 2025 - Present

• Improved risk evaluation by reviewing and updating onboarding policies using SaaS-based compliance tools.

• Identified and remediated AML control gaps for fintech onboarding by using data analysis tools to assess risks.

• Reduced client onboarding time to revenue by 20% by expediting processes with accurate documentation and risk narratives.

• Ensured regulatory compliance by drafting and reviewing risk narratives and supporting documentation for committee review.

• Enhanced quality control by documenting testing results for compliance enhancements on fintech and SaaS platforms. BNY Pittsburgh, PA, USA

Enhanced Due Diligence Customer Executive January 2025 - March 2025

• Improved BSA/AML and KYC compliance by directing risk management initiatives for Nesting Correspondent Banking and Business Acceptance approval processes, leveraging fintech and SaaS tools.

• Increased efficiency of periodic reviews by 30% by developing and implementing standardized procedures and training for Relationship Managers in Treasury Services.

• Strengthened compliance oversight of affiliates and subsidiaries by overseeing end-to-end KYC and AML due diligence using SaaS-based analytics.

• Enhanced quality control and risk mitigation by implementing monitoring and documentation standards for ownership structure reviews in Treasury Services.

BNY Pittsburgh, PA, USA

Risk Narrative Analyst Team Lead February 2024 - January 2025

• Streamlined risk narrative process and reduced review time by 30% by partnering with Technology to digitize the Risk Narrative process, leveraging SaaS solutions to enhance workflow efficiency and data integrity.

• Enhanced compliance accuracy and consistency across client risk assessments by developing and formalizing process and procedures for Risk Narrative creation, aligning with BSA/AML and KYC standards in a fintech environment.

• Improved approval rates and compliance quality by reviewing and validating Risk Narratives for accuracy, ensuring all risk factors were addressed and compliance standards were met before submission.

• Increased transparency and clarity in client risk communication by crafting clear, plain-language Risk Narratives that captured all client risk factors and articulated the rationale for onboarding decisions, supporting strong KYC and AML practices. BNY Mellon Pittsburgh, PA, USA

Change Management Lead November 2022 - February 2024

• Improved policy and procedure alignment with regulatory standards by evaluating and updating change management processes for BNY Mellon's fintech and SaaS solutions, ensuring compliance with BSA/AML regulations and risk management best practices.

• Enhanced stakeholder collaboration and conflict resolution efficiency by 30% by coordinating with internal teams and external SaaS vendors on cross-functional change initiatives, ensuring alignment of business objectives and implementation of compliance controls.

• Increased transparency and decision-making speed by drafting comprehensive reports on project statuses, compliance risks, and regulatory impacts in a highly regulated fintech environment, enabling timely risk management decisions.

• Strengthened compliance with change management standards by conducting impact analyses and readiness assessments on existing policies and procedures for SaaS and fintech operations, proactively addressing compliance gaps and supporting regulatory audits.

• Supported successful rollout of multiple change initiatives by developing and executing communication plans for staff and management, ensuring awareness of upcoming changes and compliance requirements across BNY Mellon's fintech product suite. BNY Mellon Pittsburgh, PA, USA

Regulatory Oversight Management November 2021 - November 2022

• Strengthened regulatory compliance and reduced risk exposure by 20% by analyzing and implementing policy requirements for payment services within a fintech environment, leveraging SaaS-based compliance tools to monitor adherence and address deficiencies.

• Enhanced team performance and solution delivery on regulatory projects by directing small teams to develop and execute compliance solutions within a financial services SaaS context, ensuring alignment with evolving industry regulations.

• Improved regulatory awareness and compliance accuracy by providing targeted guidance and training to entry-level employees on key fintech regulatory requirements and first line of defense procedures, with a focus on PSD2 and SaaS risk management.

• Increased efficiency in compliance assessments by 30% by systematically analyzing and integrating regulatory updates into compliance frameworks, utilizing SaaS solutions to streamline data collection and reporting processes. BNY Mellon Pittsburgh, PA, USA

Internal Control and Business Governance January 2015 - November 2021

• Enhanced risk management and compliance alignment by coordinating cross-functional reviews to ensure policies reflected product risk and regulatory requirements for fintech and SaaS solutions.

• Improved audit response time by 20% by managing communications and documentation as audit liaison for AML and Compliance audits.

• Mitigated compliance gaps and operational risks by conducting risk assessments and due diligence using SaaS tools.

• Increased business continuity readiness by coordinating resiliency programs aligned with risk standards for fintech and SaaS operations.

• Reduced approval cycle time by 15% by validating regulatory and risk aspects with business partners for faster, compliant decisions. BNY Mellon Pittsburgh, PA, USA

Demand Deposit Control Group ManagerAML Liaison July 2008 - December 2014

• Enhanced compliance with BSA/AML and KYC standards by leading process improvements, implementing User Acceptance Testing, and ensuring alignment with evolving risk, credit, and compliance policies, leveraging knowledge of fintech and SaaS platforms to optimize controls.

• Mitigated risk and improved regulatory adherence by conducting and reporting audit findings, executing 90-day New Account Reviews, Inactive Account Reviews, and Excessive Transaction Reviews to ensure full compliance with Know Your Customer and Basel II requirements.

• Resolved 100% of AML audit and compliance issues within required timeframes by coordinating with internal stakeholders to address escalated compliance items, drafting and updating policies and procedures, and supporting Sarbanes-Oxley testing.

• Improved operational efficiency and compliance control by leading the team through successful migration projects and creating/overseeing Risk Control Self Assessments, collaborating with Internal Control and integration project teams.

• Strengthened business continuity and risk management by directing business continuity planning and GBC testing, coordinating risk and performance indicator reporting to support compliance with SaaS and fintech operational standards. Skills

Skills: Agile, Excel/Numbers/Sheets, Java, JavaScript, JIRA, Oracle, Quickbooks, Salesforce, ServiceNow, Tableau, Word/Pages/Docs

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