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Cynthia
Cynajaz@gmail.com
718-689-0434
Dover, DE 19901
Compliance & Global AML VP
25 years experience W2
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Summary

  • Expertise in Consumer Protection Regulations (Alphabet Regulations) a. Reg A: Extension of Credit to Member Banks by Federal Reserve Bank b. Reg AA: Consumer Complaint Process c. Reg B: Fair Lending d. Reg BB: Community Reinvestment Act e. Reg CC: Funds Availability for deposits f. Reg C: Home Mortgage Disclosure Act g. Reg D: Reserved Deposits of Bank/Restrictions on Interest bearing accounts h. Reg DD: Truth in Savings i. Reg E: Electronic Funds Transfer j. Reg G: CRA Disclosure requirements k. Reg H: State Chartered Bank requirements for Real Estate Lending standards l. Reg K: International/Foreign operations of US Banks and Financial Institutions m. Reg M: Truth in Lending for Leases n. Reg O: Extension of credit to insiders of Bank/executives o. Reg P: Privacy p. Reg Q: Interest paid on deposits/requirements for advertising q. Reg S: Monetary rates/limits on reimbursements to banks by government agencies for information sharing r. Reg T: Extension of Credit by Brokers/Dealers for buying/carrying margin stock s. Reg U: Extension of Credit by persons aside from Brokers/Dealers for buying/carrying margin stock t. Reg V: Fair Credit Reporting Act u. Reg W: Section 23 A & B of Federal Reserve Act regarding transactions between banks and their affiliates v. Reg X: Real Estate Settlement Procedures Act w. Reg Z: Truth in Lending
  • Experience complying with and remediating recommendations of the Consumer Finance Protection Bureau (CFPB)
  • Expertise in: US Patriot Act, Bank Secrecy Act, Anti-Money Laundering, Canadian Economic Sanctions, UK, OFAC & EU Sanctions
  • SME: 5 pillars of AML Compliance, Risk Assessments of product lines & demographics, clients and 3rd party vendors/service providers. Financial Action Task. Force (FATF) guidance & experienced using FINRA guidance for risk assessing and mitigation of Brokers/Dealers
  • SMD: Counter Terrorism Financing and Suspicious Activity Report (SAR) writing & OFAC temporary license request.
  • Knowledge of Foreign Correspondent Banking, Money Service Businesses processes, Wholesale Banking/Investment Banking, Capital Markets, Middle Markets, & Emerging Markets,
  • Project Management from inception to completion
  • Managed and executed plans to remediate regulatory (FDIC, OCC, CFPB, DOJ, OFAC and State DFS) violations (MRIA, MRA, MOU, DPA)
  • Clear and concise communication skills for all levels of organization (BOD, Audit, Regulators, Executive Management, Workforce)

Experience
Education
Master's in Business Administration (MBA)
Mills College 2013
Bachelor's in Human Behavior and Management
Empire State College, State University of New York 2008
Certifications
CAMS
ACAMS, 2021
Notary
2020
CRCM - Testing
2021
Skills
AML
2021
19
Compliance
2021
19
Project Management
2021
19
Banking
2019
16
Risk Assessment
2019
16
SAR Reports
2021
16
Regulatory Reporting
2019
15
Commercial
2019
13
BSA
2021
12
Quality Assessor
2014
11
Patriot Act
2021
10
Audit
2010
9
KYC
2015
9
Quality Assurance
2010
9
Auditing
2010
8
Deposit
2010
8
Lending
2010
8
Correspondent Banking
2019
7
MS Visio
2019
5
OFAC
2019
4
Stakeholder Engagement
2019
4
EDD
2021
3
Training
2015
3
Transaction Monitoring
2015
3
Actimize
2014
2
CDD
2021
2
LexisNexis
2014
2
Regulatory Compliance
2021
2
Counter-Terrorist Financing
2021
1
Process Improvement
2011
1
Regulatory Compliance Testing
2021
1
Salesforce
2021
1
Capital Markets
0
1
CRegO
0
1
FINRA
0
1
Investment Banking
0
1
Microsoft Excel
0
1
Mitigation
0
1
Terroris Financing
0
1