Uploaded File
add photo
3231 Cardinal Lake Dr
Duluth, GA 30096
Compliance & Risk Management Officer
26 years experience W2
Average rating
Profile views

Over 30-years’ accomplishment directing business development, strategic operations, risk, and compliance management initiatives. Demonstrated ability to act as a change agent and influence internal and external stakeholders to support innovative business and cultural changes. Success in analyzing market trends, implementing campaigns, and leading operational initiatives.

An accomplished communicator, skilled in building and strengthening relationships to drive cohesive, partnership, and strategic operations and build consensus across multiple organizational levels.

Areas of Key Emphasis

  • Strategic Planning & Implementation
  • Bank Secrecy ACT (BSA)
  • Quality Assurance & Sustainability
  • Anti-Money Laundering (AML) Analysis
  • Quantitative & Qualitative Analysis
  • Office of Foreign Asset Control (OFAC)
  • Fraud, Compliance & Risk Management
  • Enhanced Due Diligence (EDD)
  • Suspicious Activity Report (SAR)
  • Cost Reduction and Avoidance
  • Customer Relationship Management
  • Currency Transaction Report (CTR)
  • Business Operations
  • Change Management
  • KYC Global
  • Team Building & Leadership
  • Effective Communication
  • Correspondent Banking

Signature Achievements

  • AML, Compliance Certified (ACAMS) and extensive experience in PCI-QSR
    • Investigated and assisted law enforcement in multiple Human Trafficking and Elderly Abuse cases bringing over 2500 criminals to justice.
  • In the Payment Processing Space
    • Implemented operational strategies that accounted for a significant reduction in risk, substantiate process improvement, over 95% customer retention rate, and a significant increase in transaction sales volumes.
    • Developed B2B Purchasing Card protocols for First Data
    • Established successful Franchise Referral Agreements with Arby’s, Charlie’s Steakery, Damon’s, ServiceMaster, Long John Silver’s, and merchants that accounted for $200 Million in annual bankcard transactions.
    • Managed over 600 key accounts as a Telecommunications and Direct Marketing representative; companies included: Southwestern Bell, Time Warner Cable, Edgar B, Fingerhut, Zeos Computer, Gracewood Farms, Thompson & Co., and The Lenox Collection.

BSA Compliance Officer
Feb 2019 - Mar 2020
  • Reviewed client profiles for SunTrust Bank complete all KYC, CDD, EDD to protect operational risk on behalf of the Bank.
  • Reviewed transaction monitoring scenarios for red-flag activity, sanctions, OFAC findings, and adverse news.
  • Ensured compliance with all Anti-Money Laundering (AML) laws, Bank Secrecy Act (BSA), USA PATRIOT Act laws, and Bank regulations, guidelines, written procedures, and transaction monitoring.
AML BSA CDD Compliance KYC OFAC Patriot Act EDD
Remove Skill
SR. AML Compliance Officer
Jan 2015 - Dec 2018
  • Ensured compliance with all Anti-Money Laundering (AML) laws, Bank Secrecy Act (BSA), USA PATRIOT Act laws, and Bank regulations, guidelines, written procedures, and transaction monitoring for a global money transfer company.
  • Spotted risk weekly OFAC checks, checked foreign subsidiaries, and the BOF for the bank.
  • Monitored the bank's volume and foreign subsidiaries. Monitored sanctions.
  • Looked at the risk factors and followed the trail of the money from start to finish.
  • Identified and verified the sanctions risk:
    • Performed an internal database search on the parties to the transactions’ activity. This might highlight relevant historical data on the party or parties, and/or the activity such as suspicious activity reports, requests for information (RFIs), and/or investigations.
    • Conducted a public domain search for any supplemental identifying information on the parties, known details on the purpose of their relationship and/or transaction activity, and negative media (including sanctions lists).
    • Submitted an RFI to the respondent bank carefully inquiring about any additional information needed to construct a complete picture of the transaction and possible sanctions violation. Alternatively, submitted a 314(b) request under the USA PATRIOT Act affords FIs with the ability to share information under a safe harbor that offers protections from liability.
    • Understand the transaction flows into, out of, and within the institution. This included being able to identify sanctions avoidance red flags via unusual transaction patterns or through high-risk entities or regions.
    • If it appeared the sanctions risk might stem from a systemic deficiency in sanctions controls, requested to review the customer file on the respondent bank.
    • Once all information was gathered to establish a complete picture of the transaction, the identities of the parties and business relationship, revisited the sanctions risk factor, and compared the details of the activity to the relevant sanctions regulation under bank policy and all applicable authorities.
    • If confirmed, drafted the report for management including an evaluation of the potential impact of the confirmed risk.
  • Gauged the weight of identified sanctions risk:
    • Identified whether the sanctions risk was present in direct relationship to the correspondent bank (i.e., respondent bank, their clients and/or associated parties) or indirectly (i.e., counterparties to the respondent) and if any downstream relationship was present. Where necessary, referred to the correspondent agreement and respondent bank’s customer records.
    • Reviewed the tenets of the sanctions program in question in detail including the details of internal filters and watchlist(s).
    • If the confirmed risk related to beneficial ownership, compared the aggregate—direct and indirect—ownership values to internal policies on reporting thresholds for a controlling party. If the ownership percentage was greater than or equal to the number designated by the relevant sanctions regime, this finding must have been reported. If the ownership amount was less than what was designated, the determination was made based on the company policy and with the knowledge and approval of relevant senior leadership.
    • Final determinations on the severity of exposure were included in the report to relevant management and senior leadership.
  • Participated in marketing research and strategies, study customer behaviors, and provided solutions to maximize customer satisfaction and minimize risk.
  • Participated in multiple projects focused on business growth, customer service, and operational excellence.
  • Managed the investigative unit and developed policies and procedures for investigations processes.
  • Licensing State Money Service (MSB) registration and Audits with various State and Federal Agencies.
  • Utilized analytical thinking, problem-solving, and communication skills to enhance business processes.
  • Facilitated research and analysis of business processes and procedures and implemented solutions.
  • Supervised Agent Training in the United States.
  • Developed the Compliance Department and Supervised the Manila Philippines for the Southeast Asia Division.
  • Established a reputation for staying up to date with trading compliance processes and systems.
AML Auditing BSA Compliance Microsoft Excel Project Management Patriot Act OFAC Regulatory Reporting
Remove Skill
Chief Executive Officer
Professional/Consulting Services
Jan 1998 - Jan 2015
Atlanta, GA
  • Provided leadership to all aspects of planning, business development, and operations.
  • Streamlined financial processes and introduced organizational improvements that enhanced services.
  • Developed and implemented sales strategies, analyzed market trends, identified customer needs, and provided quality customer service.
  • Spearheaded, developed, and implemented business development strategies for the organization.
  • Built a profitable merchant services processing portfolio for several merchants.
  • Managed several critical finance and business development projects focused on operational excellence.
  • Commended for contributing to increased sales through well-planned project scheduling and coordination strategies and efficient time/resource optimization.
Project Management Microsoft Excel Customer Service
Remove Skill
Chief Executive Officer
Jan 1994 - Jan 2008
  • Performed various executive functions and spearheaded the development and implementation of Prepaid Debit Cards and Merchant Acquiring in South Africa and Latin America.
  • Participated in the merger of the company with Funds3000 Corp.
  • Worked with other senior executives on developing as well as implementing short and long term business objectives and opportunities.
  • Established and integrated the functional strategies of the organization utilizing business expertise to reach financial/operational goals and objectives.
  • Managed several underwriting and Bank card projects that focused on operational excellence.
  • Established and maintained strong relationships with internal and external stakeholders.
Project Management Microsoft Excel
Remove Skill
Edit Skills
Non-cloudteam Skill
Bachelor's in Government & Social Science
Western New England College
Certified Anti-Money Laundering Specialist - ACAMS Certified
Microsoft Excel
Project Management
Customer Service
Patriot Act
Regulatory Reporting
Change Management
Process Improvement
Risk Management