Risk-focused banking professional with qualified experience in Global Corporate Oversight & Control, BSA/AML Audit, RCSA, Foreign Correspondent Banking AML Investigations, and Credit Analysis.
Audit Testing Methodology
Critical and Creative Problem Solver
Risk Control Self Assessment
Clear and Concise Communicator
Vice President: BSA/AML Audit Manager, 03/2017 to Current PNC Bank – New York, NY
Lead complex internal audits to assess the effectiveness of controls, efficiency of operations, and compliance with governmental regulation, with a focus on BSA/AML Processes including AML Corporate Compliance, Enterprise Sanctions, Enterprise SAR Office, Transaction Monitoring, and other key AML Business Functions.
Perform planning and risk assessment activities, develop audit scopes, objectives, and work plans, including the selection of appropriate audit tests, identification of key controls, and use of interview and computer assisted audit techniques.
Perform detailed/general reviews of internal audit work paper documentation.
Create consensus around audit reports and findings with key stakeholders. Create Issues and validate as necessary.
Control Officer (AVP): Global AML Investigations and Transaction Monitoring , 02/2015 to Current JP Morgan Chase – New York, NY
Responsible for performing ongoing Risk & Control Self Assessment for end-to-end Global AML Investigations, FIU, and Transactions Monitoring programs (EMEA, Canada, LATAM, APAC, US). Inclusive of developing Process Maps (Visio), Risk and Control identification, Control Testing, Corporate Operational Risk Reporting (Inherent Risk and Residual Risk), and Issue Creation.
Engage Global Heads and designated SME's in Inherent Operational Risk Identification and Rating.
Act as a strategic advisor and partner in creating operational efficiencies and in driving cross-regional and cross-LOB consistency.
Manage and/or consult in cross-departmental projects/initiatives resulting from RCSA findings and evaluation.
Liase between AML Investigations and Audit/Regulators to bring Issue and Action Plans to timely and satisfactory closure. Input Issues and Action Plans into system, monitor progress, and perform effectiveness review.
Compliance Officer: CIB Foreign Correspeondent Banking AML Investigations, 12/2014 to 02/2015 JP Morgan Chase – New York, NY
Performed analysis of Foreign Correspondent Banking transactions over multiple product lines to identify
risks, trends, and potentially suspicious activity.
Prepared Suspicious Activity Reports in compliance with established regulatory guidelines and time
Escalated cases and observations to management and law enforcement as deemed necessary.
Keep abreast on KYC/AML trends and emerging risk typologies.
Senior Associate: Commercial Banking Relationship Manager , 07/2013 to 12/2014 M&T Bank – Rockville, MD
Managed lending credit portfolio for four Commercial Relationship Managers.
Acted as a strategist in structuring new money and increased exposure deals.
Reviewed annual financial statements of clients for potential credit concerns, escalating as
Created credit memos, covering market analysis, financial statement analysis, and debt coverage/cash flow
Built collaborative internal and external relationships to provide the best in client advice and service, and
to ensure a seamless experience for the client who has multiple products.
Serviced loans through maturing and renewal process.
Remediation of clients not in compliance with
Represented the firm at public events and in client pitches.
Associate: Credit and Relationship Management Training Program, 07/2013 to 07/2014 M&T Bank – Buffalo, NY; Baltimore, MD
Selective 1-year full-time Relationship Management and Commercial Credit Training Program with
comprehensive training in financial accounting (Omega curriculum), credit/financial statement analysis,
sales, underwriting, and treasury management products.
Additional curriculum including economic forecasting, Moody's financial spreading, cash flow/debt
service calculations, tax return analysis, banking regulations, internal systems, business writing,
BSA/AML regulations, time management, corporate organizational strategy.
Extensive exposure to presentations and networking with senior bank executives and leadership.
Frequent overnight travel (75%) throughout M&T footprint for rotation experience in credit analysis and
Cross-business line training including investment banking, trust and investment services, international
trade services, asset based lending, equipment finance, MTB securities and insurance, SBA lending,
interest rate risk hedging, and KYC/AML compliance.
Exposure to IBIS World, Vertical IQ, and other internal research tools.
Analyst: Escrow , 09/2011 to 07/2013 M&T Bank – Buffalo, NY
Performed Escrow Analysis in accordance with the RESPA Act.
Identified and mitigated operational risk through quality control monitoring of daily/monthly report.
Researched and resolved escalated research inquiries regarding transaction and analysis exceptions.
Managed relationships with external business vendors partners Ad-hoc project work.
Bachelor of Arts: Philosophy , 2011 SUNY Geneseo - Geneseo, NY Concentration in Epistemology and Metaphysics. Senior Seminar: Discussions in Meaning of Life