N/A

Michele F. Dauer, CAMS

**** **** ****, *** *******, TX 78254,

Home Ph # 210-***-****

Cell Ph # 216-***-****

E-mail: *******@*******.***

PROFESSIONAL CREDENTIALS

Director – Enterprise Fraud/Anti-Money Laundering July 2006 – November 2007

USAA, San Antonio, TX

• Manage, develop and implement programs that support an enterprise anti-money laundering unit.

• Oversee the monitoring, detecting of unusual or potentially suspicious across multiple lines of business that includes; banking, brokerage/mutual funds and life insurance.

• Advise employees how to comply with anti-money laundering requirements.

• Implemented an Enterprise wide Know Your Customer (KYC) Program to comply with Patriot ACT section 326 and avoid penalties levied by the regulators.

• Develop and deliver training to employees to effectively implement the enterprises policies, practices and procedures.

• Implemented an Enterprise wide Knowledge Base Authentication (KBA) Program to save the enterprise an estimated 3.5 million a year in fraud, mores specifically identity theft and account take over.

• Evaluate AML/BSA Risks associated with customers, geography and products (Risk Assessments)

• Responsible for 8300/CTR Regulatory Reporting for numerous lines of Business; Property and Casualty; Investment Management Company and Life Insurance.

• Maintained Dashboards for Verification (KYC); Monitoring (AML) and staffing levels.

• Monitoring compliance with BSA, OFAC, 314A & 314B.

• Managed and developed a team of 14 Employees.

• Project team for implementation of Norkom (suspicious activity monitoring tool).

• Internal Audit of the AML Program gave the program a “Satisfactory” rating.

AML Specialist, Compliance – Anti-Money Laundering Unit Jan 2005 - July 2006

First National Bank of PA, Hermitage, PA

• Delivered a 2 yr AML program in 9 months to help FNB remove a commitment letter levied by the OCC.

• Track and evaluate suspicious activities.

• Evaluate and monitor compliance with Bank Secrecy Act, Office of Foreign Asset Control, and US Patriot Act requirements of existing internal policies and procedures; report findings.

• Advise employees how to comply with anti-money laundering requirements.

• Provide program oversight by incorporating regulatory changes into existing programs. Escalate significant risks.

• Develop and deliver training to employees.

• Advise Trust Area on BSA/AML policies and procedures.

• Oversee the AML electronic monitory system.

• Evaluate AML/BSA Risks associated with new products (Risk Assessments).

• Customer Identification Program.

• Monetary Instrument Program Rollout.

Investigator, Corporate Security – Anti-Money Laundering Unit 2002– 2005

Key Corp., Cleveland, Ohio

• Effectively identify and investigate suspicious activity and take appropriate steps to minimize exposure to the bank. Steps may include contacting branch, FBI, IRS, Law enforcement or security staff, placing holds, filing SARS, speaking to clients and or closing accounts.

• Develop and implement an effective departmental procedure manual including how to access the different Key Systems.

• Provide internal training for team members to increase proficiency and effectiveness in utilizing systems.

• Assist with development and implementation of Phase I of the AML system (Data Mart).

• Promote a continuous Improvement culture within the AML unit.

• Development of AML/BSA corporate wide web page.

• FinCEN 314 A & B research.

• AML/BSA Task Force, Monitoring Task Force, Account Closure Task Force, External Bank AML Task Force.

• Monthly Score carding for AML Unit

• Monitor all Investigators workload and cases

• Money Service Business Project/Procedures

Supervisor III Special Operations, Judgment Processing 1998 – 2002

Key Corp., Brooklyn, Ohio

• Supervise a staff of 18.

• Ensure Bank compliance with State and Federal laws and Right to Financial Privacy Act.

• Escalate and resolve issues as appropriate.

• Establish productivity figures.

• Identify and implement continuous improvement activities resulting in reduction of costs and cycle time.

• Commitment to development of staff in terms of personal growth, fostering positive work environment and actively support ways of obtaining a performance culture workforce.

• Research and resolution of internal and external complaints.

• Project Management.

• Negotiate with Attorneys and Agents.

• Ensure Department procedure manuals are updated.

• Training of Employees.

• Compliance Testing using CAWP.

Credit Union Recovery Specialist

Weltman, Weinberg & Reis 1997 – 1998

• Resolution of delinquent Credit Union accounts.

• Skip tracing; filing of liens and garnishments; bank attachments.

• Execution and satisfaction of judgment through asset and property identification.

• Negotiate, monitor and enforce repayment arrangements.

• Developed collection standards for Office of Default Management.

• Research and resolution of borrower inquiries and disputes.

EDUCATIONAL CREDENTIALS

Bachelor of Fine Arts in Art History: Kent State University, Kent, Ohio (1992)

CERTIFICATIONS – CAMS

TECHNICAL SKILLS

Windows-2000/98/95/NT, Microsoft Office 2000 (Word, Excel, Access), Visio, Hogan, Olds, AM Trust, Internet, Lotus Notes, Outlook, Choicepoint, Accurint, Lexis Search Systems, Global Visions, Group Wise and ICMS.

ORGANIZATIONS

ACAMS, NOFIA, Metropolitan Crime Clinic, Erie Security Group

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