Enterprise Compliance & AML Audit Leader

EMILY M. ANGELES Arnold, MO (***)***-*******************@*****.***

LinkedIn: www.linkedin.com/in/emily-angeles-boyle-60846a267/ Senior compliance executive with 17+ years of experience leading enterprise compliance, audit validation, and regulatory risk programs across complex banking organizations. Proven ability to assess compliance maturity, identify structural gaps, and implement scalable, exam-ready frameworks aligned with OCC, CFPB, FRB, SEC, and FINRA expectations. Deep expertise in AML, BSA, OFAC, consumer protection, fair lending, and issue remediation, with a track record of strengthening governance, enhancing first-line accountability, and delivering sustainable regulatory outcomes. PROFESSIONAL EXPERIENCE

Discover Financial Services July 2024 to April 2026 Internal Audit Lead

●Led and mentored the Internal Audit Validation Team providing daily oversight and ongoing development on Anti-Money Laundering (AML), Economic Sanctions, and Consumer Due Diligence.

●Led compliance initiatives with evaluating root causes, assessing sustainability of corrective actions, and engaging regularly with SMEs to address and remediate concerns.

●Led redesign of enterprise CMS aligning governance, monitoring, testing, and issue management

●Managed OCC, CFPB, FRB, and SEC exams with sustainable remediation

● Built executive reporting and escalation frameworks

●Embedded First Line of Defense accountability across business lines

●Liaised with regulatory bodies including OCC, FRB, and FDIC for compliance adherence.

●Designed and executed testing plans, documented findings, and presented corrective actions for deficiencies within Internal Audit Regulatory Validations.

●Integrated deep federal regulation knowledge into internal Audit Functions and testing.

●Notable Contributions:

● Designed and implemented staff training materials on Internal Audit guidelines for testing methodologies, reporting, and documentation expectations for regulatory issues.

● Passed the Certified Internal Auditor (CIA) Certification Unit 1 exam- Institute of Internal Auditors US BANK 2012 to Sept. 2023

Independent Issue Validation/Quality Assurance, VP (2020 to Sept. 2023)

●Led compliance initiatives for US Bank, evaluating root causes, assessing sustainability of corrective actions, and engaging regularly with SMEs to address and remediate concerns.

●Led redesign of enterprise CMS aligning governance, monitoring, testing, and issue management

●Embedded First Line of Defense accountability across business lines

●Built executive reporting and escalation frameworks

●Drafted detailed reports on findings and proposed corrective actions to executive leadership.

●Liaised with regulatory bodies, including OCC, CBOI, FRB, FINRA, SEC, and CFPB for compliance adherence to Anti-Money Laundering (AML), Economic Sanctions, and Consumer Due Diligence exams with sustainable remediation.

●Designed and executed testing plans, documenting findings, and proposing corrective actions for deficiencies within RCSA's and ECRA's.

●Led Business Line Quality Assurance (BLQA) testing to ensure internal controls and policy effectiveness in the Risk Management and Compliance sectors.

●Developed and implemented training documents for Root Cause Analysis and assistance within MRA’s and RMP’s for assistance in CPMA and CPSA closure

●Adequately address root cause and evaluate whether the corrective actions are sustainable for RCSA's, ECRA's, Business Line Quality Assurance, and UAT testing as needed

●Notable Contributions:

oReviewed evidence supporting closure and remediation of Regulatory Audit Issues, including OCC, FRB, SEC, FINRA, and internal audit.

Emily M. Angeles (Philosophy Statement)

oCreated, implemented. and distributed training materials companywide for Root Cause Analysis and provided support for MRA’s and RMP’s in CPMA and CPSA closure.

oReceived TTUS survey results of 98%, and higher in the following categories throughout tenure with US Bank: Communication, Manager Effectiveness, Collaboration/Cooperation, Future/Vision, and Diversity & Inclusion (D&I). Economic Sanctions Manager, VP (2019 to 2020)

●Directed and mentored a global team of 22+, providing daily oversight and ongoing performance management.

●Analyzed data to identify deficiencies, redundancies, fraud, and non-compliance with regulations and company policies.

●Integrated deep federal regulations knowledge within Economic Sanctions and Anti Money Laundering transactional testing and preventative and detective control testing.

●Designed and executed User Acceptance Testing to validate system and program functionality.

●Notable Contribution: Designed and implemented staff training on Economic Sanction guidelines to ensure compliance. oCreated standardized working papers/templates for Department use and audited First Line of Defense Business Lines. oPassed and received CAMS (Certified Anti-Money Laundering Specialist) Certification- Association of Certified Anti-Money Laundering Specialists

Corporate Quality Assurance Analyst, VP (2016 to 2019)

●Analyzed data to identify control deficiencies, redundancies, fraud, and non-compliance with legal and managerial guidelines.

●Integrated deep federal regulation knowledge into Internal Audit Functions and testing.

●Executed User Acceptance Testing to validate functionality of developing systems and programs.

●Executed comprehensive testing plans, documented outcomes, and advised on corrective measures for noted discrepancies.

●Conducted Business Line Quality Assurance (BLQA) testing to ensure robust internal controls and proper implementation of policies and RCSA processes within specific business streams.

●Notable Contributions:

oCreated standardized working papers/templates for Department use and audited First Line of Defense Business Lines. oEstablished training resources on Root Cause Analysis, emphasizing Deming’s "Plan, Do, Check, Act" philosophy. oSelected by leadership for and completed US Bank’s coveted mentor training program. Compliance/Quality Assurance Manager, VP (2012 to 2016)

●Led and mentored the Internal and Vendor Audit Teams providing daily oversight and ongoing development.

●Integrated deep federal regulations knowledge, including FCRA, SCRA, UDAAP, BSA, TCPA, and AML into both internal and Vendor Audit functions.

●Led redesign of First Line of Defense Control Team with aligning governance, monitoring, testing, and issue management

●Embedded First Line of Defense accountability across business lines

●Managed OCC, CFPB, FRB, and SEC exams with sustainable remediation

●Built executive reporting and escalation frameworks

●Designed and executed User Acceptance Testing for evaluating the functionality of systems and programs in development.

●Analyzed data to pinpoint control deficiencies, redundancies, fraud, and non-compliance with established regulations.

●Delivered training sessions to staff on Root Cause Analysis, serving as company SME.

●Notable Contributions:

oAwarded the 2013 US Bank Payment Services Pinnacle Award for stellar results. oEstablished and organized Internal and Vendor Audit Teams from scratch, including staffing, methodologies, procedures, SLAs, contracts, and testing frequency.

oSpearheading the Third Party Vendor Compliance program for US Bank Credit Card Collections. oSuccessfully led U.S. Bank through 15+ annual examinations including assisting with the Office of Currency Comptroller

(OCC) exam for RPS Collection & Recovery in 2013 and 2016 with both exams resulted in a “Strong” rating from the OCC. oReceived the Vice President title due to performance and leadership. oAchieved audit completion within set timelines, upholding a strong 98% accuracy rate through monthly competency tests. oCreated Control Inventory process, pinpointing Regulatory Standards for Collection Operations. BANK OF AMERICA

Assistant Manager 2010 to 2012

Emily M. Angeles (Philosophy Statement)

Collections & AR Supervisor 2008 to 2009

REGIONS BANK – Financial Service Specialist 2007 to 2008 EDUCATION & TRAINING

WEBSTER UNIVERSITY; BS in Business Administration with Management Minor 2006 US Bank; Mentor Program Leader 2016

TECHNICAL SKILLS & PROGRAMS

MS Office Suite (Word, Excel, Outlook, PowerPoint) Google Workplace (Docs, Slides, Sheets) Adobe Creative Suite

(Illustrator) Lexis Nexus LDRS CDRS EGRC/Archer Encompass SARS RPS Multiple Accounting Platforms Virtual Meeting Programs (Zoom, Teams, Skype, WebEx) ServiceNow AuditBoard

Contact this candidate