Risk & Compliance Financial Services Specialist
Resume:
Candy McQueen
Gastonia, N.C. 28054
*************@*****.***
http://www.linkedin.com/in/candy-charlene-mcqueen-a3261b14 SUMMARY: 15+ years Financial Services Specialist
Risk & Compliance: Enterprise risk management, Testing & Validations, Compliance Activity reviews, Issues Management Lifecycle, Control Management, Control Identification, Control Monitoring, Control Reporting, Complaints Management, Fraud and Risk Assessment, Corporate Risk, Operational Risk, Model Risk, Regulatory Risk. Regulatory Compliance: Regulatory Change Management, Policy Change Management, Unfair, Deceptive or Abusive Acts or Practices (UDAAP), Reg E, Reg DD, Reg Z, Reg B, UDAP/UDAAP, FCRA/FACTA, Equal Credit Opportunity Act (ECOA), Americans with Disabilities Act Title III (ADA), End user computing tool (EUCT), etc. Financial Crimes: Customer Identification Program (CIP), Anti-Money Laundering (AML), Bank Secrecy Act (BSA) and Suspicious Activity Report (SAR), OFAC, Sanctions, ALERT; In-depth knowledge of USA PATRIOT Act 2001; Sections 311 Transaction Monitoring, 312 SDD/EDD Correspondent Accounts, 313 Prohibition on U.S. Correspondent Accounts with Shell Banks, 314a/b, 326 KYC, Due Diligence, Transaction Monitoring Surveillance, 351 Amendments and 352 AML policies, procedures, and controls. Quality Assurance and Oversight: second line of defense, tier review, and advisory. Mortgage/Loan Generalist
Audit support: Risk and Control assessments, corrective actions, and documentation reviews.
Test Lead: Control Testing, Manual Quality Assurance/Business Systems Consultant. Project Management: Project lifecycle SDLC: planning, requirements, analysis, design, implementation, maintenance, testing, and acceptance. Funds Transfer/Cash Management Operations Specialist: International, Domestic, Payments Specialist; CHIPS, SWIFT MT103, 202Cov, Fed wire, DDA, OFAC, ACH and FX.
Trade Support: Equity, Settlements and Trade Confirmation, Documentation Specialist. EXPERIENCE:
Capital One Discover 3/1/2025- 8/6/2026 Remote
Risk Manager
• Enterprise Risk Management (ERM) - Consulting and Advisory– Provide second line challenge, advice. and guidance to Enterprise Payments, Retail, and Card operations by applying a risk-based mindset to prioritize efforts.
• Partner with RAU Owner, Process Owner, Control Owner, Operational Risk, Compliance, and Business line risk and controls teams to provide guidance and ensure RCSA Program adherence.
• Identify, quantify, monitor, mitigate, and report enterprise risks and ensure risk statements and descriptions align with risk exposure rationales.
• Test controls to ensure controls mitigate or reduce risks associated with the Risk Accessible Unit (RAU), and adherence to the control lifecycle: draft, attest and review, monitor, and retire.
• Create and review control procedures to ensure an independent third party with little prior knowledge can independently recreate the process and achieve consistent, reliable results.
• Revise documentation whenever processes change and periodically evaluate that the procedures remain reproducible.
• Provide subject matter expertise (SME) support throughout the RCSA lifecycle and workshops.
• Perform second-line Quality Assurance reviews of control testing to ensure the control structural elements are accurate and complete (i.e., description, performance rating/rationale, classification, frequency, activity, action taken, etc.) Wells Fargo Bank 2/2018-03/2025 Charlotte, NC
Senior Control Management Specialist, Sr. AVP
• Auto team: Manage Regulatory Change alert reviews related to Aftermarket products, Dealer Oversight, and Sales to ensure adherence to State regulations, policies, and procedural changes.
• Track changes, updates, and deliverables in JIRA and SharePoint.
• Provide oversight to business units by ensuring control procedures are updated, published, and submitted to various governance forums within a timely manner as well as aligning with SHRP data.
• Lead Risk and Controls Self-Assurance (RCSA) reviews to ensure controls are implemented, sustainable, and proactively avoid operational, reputation, credit, and compliance risks.
• Test controls to ensure controls mitigate or reduce risks associated with the Risk Accessible Unit (RAU), and adherence to the control lifecycle: draft, attest and review, monitor, and retire.
• Lead Policy Change Management to ensure new and enhanced policies are documented, reviewed, and published within a timely manner.
• Risk & Compliance Sr. Associate: Manage projects, initiatives, and business line support by prioritizing deadlines, providing guidance and oversight into issues, corrective actions, and model owners to ensure documentation is complete, concise, and accurate.
• In-dept understanding of Enterprise Risk Management Framework (RMF) and Risk and Control Self-Assessment (RCSA) concepts and policies across various risk types
(regulatory, financial crimes, credit, operational, etc.) including risk identification, risk appetite and strategy, risk-related decisions, processes and controls, risk analytics and governance.
• In-depth understanding of the Issue Management and Complaints Lifecycle process: Capture, Plan, Mitigate and Monitor, Control & Mitigate, Sustainability, and Validation.
• Financial Crimes Compliance Analytics team: Create and review documentation such as development intake forms, issue summary memo, tollgate submission and root cause plan, tollgate closure and sustainability plan, due date extension request, validation approval, Issue Management forum (IMF) template, Financial Crimes Risk Management (FCRM IMF), KYC, and Issue closure request forms.
• Perform OFAC sanction screenings for entities, individuals, and jurisdictions.
• Lead support for Audit initiatives by reviewing documentation, managing request list, ensuring recommendations and issues are addressed, corrective actions and controls are accurate and complete within a timely manner, according to the Issues Management policies and procedures.
• Lead support/liaison working side-by-side with Compliance Issues Management, Financial Crimes Risk Management (FCRM), Group Issues Management (GIM), and the business reporting monthly status updates for new, due date extensions, pending stability, validation, and issue closures to the BSA officer and governance teams.
• Performed QC reviews for the ENGin remediation project by mapping laws to regulatory obligations within Consumer Lending.
• Compliance Enterprise and Control Testing/IT&V: Assess issues and Corrective Actions by performing comprehensive compliance activity, complaint reviews, user access reviews (UAR), and issue validations within Treasury Management, Consumer Banking, and PVSI Testing & Validations teams.
• Partner with relevant business groups to develop and maintain a strong control environment leading to the early identification and sustainable mitigation of operational risk, with focus on Risk Identification & Assessment, Control Design & Evaluation, Issues & Control Deficiencies, Control Governance & Reporting, and Control Programs.
• Evaluate adequacy and effectiveness of business policies, procedures, processes, systems, and internal controls to ensure adherence with corporate policies, rules, laws, and Regulatory guidelines.
• Identify issues, assess gaps, and root causes, test and mitigate risks that arise from inadequate or failed internal processes, systems, and/or external events.
• Manage issues by performing compliance activity, UAR, and corrective action reviews to identify gaps, mitigate risks, and evaluate the adequacy and effectiveness of controls.
Bank of America 9/2017-1/2018 Charlotte, NC
KYC Quality Assurance Consultant
• Map regulatory requirements to Enterprise High Risk Processes or other activities to identify where regulatory requirements apply across the organization.
• Conduct quality assurance investigative reviews and analysis of checks and wire transactions in support of BSA/AML regulatory compliance policies and programs including investigating automated alerts from transaction monitoring systems, and referrals sourced from law enforcement requests and other lines of business.
• Provide guidance and feedback to Team Leads relating to best practices, quality investigations, and written narratives, as it relates to SAR preparation and filing.
• Remain current with industry standards and developments in the areas of KYC, BSA/AML, and OFAC, and apply regulatory requirements and internal policies and procedures to case investigations.
Wells Fargo Bank 2/2017- 8/2017 Charlotte, NC
Operational Risk Consultant 5
• Financial Crimes Compliance Testing: test Wholesale Banking AML/BSA controls regarding regulatory compliance, banking regulation, pre-audit, and quality assurance reviews.
• Ensure accuracy, timeliness and/or completeness related to the Law, Rule, Regulatory Compliance, Process and Requirements.
• Assess Line of Business controls, (i.e., process, procedures, systems, and applications) to ensure sustainability, strength and control design complies with Wells Fargo’s framework, guidelines, and Standard Operating procedures.
• Identify, assess, evaluate, and mitigate operational risk based on inadequate internal processes and controls to maintain operational efficiency.
• Lead and perform independent testing engagements, validation, and reporting on SWIFT and funds transfer payments in accordance with Wholesale Corporate Policies and Procedures.
• Assists with the development, implementation, and monitoring of risk-based programs for all test phases (i.e., plan and prepare, execute, test script creation, risk & control design assessments, testing, and reporting.) Deutsche Bank 6/2016 – 12/2016 Jersey City, NJ
Sr. Quality Assurance Compliance Officer - Risk Management (Consultant)
• Lead the AML/BSA Check and Foreign Correspondent Banks Wires Project; performed research, investigations, quality assurance, and oversight on Alerts and Cases.
• Analyze, investigate, and research post and present transactions by performing due diligence, enhanced due diligence, transaction surveillance, and QA.
• Conduct background checks on OFAC, PEPs and KYC, mitigating or escalating per negative media, red flags, nature of business, and high-risk jurisdiction reviews.
• Recommend improvements to the existing process and updating procedures, as applicable.
Barclays Capital 9/2015-3/2016 New York, N.Y.
Remediation Office Sr. Quality Assurance/Data Analyst Test Lead
• Produce clear and accurate documentation which outlines various aspects of the KYC, BSA and AML process including description of the current state process, testing methodology and data analysis.
• Review process by interfacing various stakeholders to identify and mitigate issues while acting as an advisory to provide feedback to various groups (i.e., Regulators, Senior Management, Compliance, Business Risk & Control, Project Managers, etc.)
• Ensure adherence to regulatory laws, regulations, policies, and guidelines. JPMorgan Chase & Co. 1/2013-8/2015 New York, N.Y.
Sr. Quality Assurance Compliance Officer, Assistant Vice President
• Significantly improve SAR quality by performing QA and investigations on alerts and cases, filing SARs, as well as quality reviews on GFCC Look-back project.
• Re-perform Due Diligence and Enhanced Due Diligence on JPMorgan’s prospective and existing clients through public record databases which include negative media, Politically Exposed Person (PEP), and sanctions by researching, identifying, documenting, analyzing, mitigating, or escalating review based on background information received.
• Ensure adherence to internal Risk and Control policies and procedures for various Lines of Businesses as well as FINCEN and OCC guidelines.
• Ensure proper KYC documentation is reviewed and uploaded to case management systems, such as Customer Assist, HALO CIS Inquiry, World Check, Lexis Nexis, Google, and I-Vault.
• Advisory and trained Jr. staff and participate in the Human Resource candidate hiring process.
AIG 8/2012-12/2012 New York, N.Y.
UAT Test Lead/Project Manager/Business Analyst Consultant
• Managed several projects for the new PeopleSoft GDW 2.0/Workday and SharePoint applications.
• Wrote and updated BRDs from requirements gathered to create valid test cases/scripts and test plans, strategies, scenarios, and test documentation by means of liaison and translation between Business front line units and IT to create functional specifications.
• Create, update, and maintain test cases, test plans and use cases in ALM. Wells Fargo Bank (Consultant) 2/2011-4/2012 Charlotte, N.C. Quality Assurance Sr. Lead
• Review identification documentation and PEP, Negative News, AML, ABC and OFAC Sanctions screening alerts to determine client risk rating and escalate high- risk clients to Enhanced Due Diligence team.
• Conduct a second-level audit of existing clients to identify issues presenting potential legal, regulatory, sanctions or reputational risk, primarily through communication with clients and utilizing publicly available data sources such as government sites, Bridger, World-check, Mint Global, Capital IQ, Dun & Bradstreet, Lexis Nexis, OneSource, Open Corporates and Global Legal Entity Identifier Foundation.
• Create SWIFT cover payments from scratch and test the new funds transfer wire requirements.
• 1988-2010 Various New York Banks Operations, Wire Transfers, Compliance and Technology: JPMorgan, Republic Bank, Bank of America, Sumitomo, Bank of Tokyo Mitsubishi, Alliance Bernstein, Tiffany & Company, Square 1 Bank, Standard Chartered Bank and UBS Bank.
EDUCATION: 1985-1988 Norman Thomas High School New York (Business Diploma). Training: various on-the-job telephone, Customer Service, and Microsoft Application, Compliance and Automation testing training courses. Certifications: American Bankers Association BSA and AML certificate. PC SKILLS: FUSE, Service Now (SNoW), GRC, Tableau, Montran, Intranet, BESS, Swift Alliance, eGIFTS, Keystone, Microsoft Office Suite, Excel, Visio, Project, PowerPoint, Outlook, PEGA Claims, BOSS/Fast, Global OASYS, GLOBE, Alert system, Amtracs, Apollo, Visa Dispo, Keylink, Corisc, PeopleSoft, LIME, Test Director, Win runner, Quality Center 11, GSMOS, Dun & Bradstreet, Open Corporates and Global Legal Entity Identifier Foundation, Bloomberg, Bankers Almanac, OneSource, Lexis/Nexis, World-check, Choice Point, Orbis, Clear and Minerva, Edgar, Gold tier, CLS, CMS, SharePoint, PeopleSoft, Misys, Rolfe and Nolan, IFT, FMS, JIRA, HALO, I-Vault, FSD, Sonar, Bridger, FT-Mon, Ready Access, SKYCM Mantas, Actimize, Cornerstone, CRAS, PRD, SHRP, Data Catalog, OCP (Operations Control Program), MicroStrategy, ENGin (NGI) and UDAAP Assessment Tool.
REFERENCES AVAILABLE UPON REQUEST
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