Responsible for developing, implementing, administering, and maintaining all aspects of the Bank Secrecy Act/Anti-Money Laundering compliance program which will be designed to ensure a high level of compliance with the BSA/AML/OFAC related laws and regulations, internal policies and procedures and Federal regulatory expectations:

• Coordinating the development, implementation and administration of all aspects of the corporate-wide Bank Secrecy Act (BSA) Program.
• Conduct BSA/AML/OFAC risk assessments annually or as needed with consideration to products, services, customers, and geographies that may present BSA/AML/OFAC related risks. Annually collect and report data required for the OCC Money Laundering Reporting System
• Monitoring compliance with state and federal Bank Secrecy Act (BSA), USA PATRIOT Act, Anti-Money Laundering (AML), and OFAC laws and regulations.
• Assist with the identification of any type of financial fraud
• include wire fraud, credit card fraud, internet scam, identity theft, money laundering and other suspicious activity in order to prevent losses
• Coordinating and assisting in the administration of independent, state and federal regulator and auditor examinations and reviews.
• Coordinating responses to regulatory BSA-AML examinations and audits and actions taken to insure deficiencies are corrected.
• Make recommendations to the Compliance Officer and senior management when and where appropriate.
• Maintaining proficient knowledge of the rules and regulations the Bank Secrecy Act (BSA), USA Patriot Act, and OFAC.
• Work with operations units to develop BSA AML system, to investigate transactions that are suspicious in nature.
• Quality Control of submitted to FinCEN Suspicious Activity Reports, same as alerts and cases determined activity not warrants a SAR
• Monitoring and track BSA-AML high-risk customers and accounts.
• Performing regulatory research in response to business unit compliance inquiries, projects, and changes while communicating
• Perform analysis of BSA related data to draw conclusions about the level of compliance throughout the enterprise.
• Performing routine monitoring to determine the extent of compliance with regulations, laws, policies and procedures. Communicates the results of monitoring to department managers and senior management, follows-up to ensure issues are addressed, escalates issues
• Managing a department and leading a BSA team of 4 members. Schedule external BSA/AML training sessions for the BSA team

Due to OCC findings during first six month evaluated existing BSA risk assessment, policy, program to resolve violations and deficiencies noted in previous audits and regulatory examinations:

• Reevaluated of the overall adequacy with applicable regulatory requirements and effectiveness of the BSA/AML compliance program, including policies, procedures, and processes
• Completed BSA/AML, OFAC, CIP risk assessments based on the bank’s risk profile (products, services, customers, entities, and geographic locations)
• Tested risk-based transaction to verify the bank’s adherence to the BSA recordkeeping and reporting requirements (CIP, SARs, CTRs and CTR exemptions, and information sharing requests)
• Reevaluated of staff training, include BSA Unit, for adequacy, accuracy, and completeness
• Reevaluated of the effectiveness of the suspicious activity monitoring system used for BSA/AML: SAR, CTR, Monetary Instruments, Electronic transfers and other reports
• Reviewed of filed or prepared SARs to determine their accuracy, timeliness, completeness, and effectiveness of the bank’s policy
• Worked with IT support department to build reports/queries that are not cover suspicious activity monitoring by existing BSA/AML systems
• Worked with BSA/AML vendor to activate available tools to utilize system its full capabilities
• Responsible for developing, implementing, administering, and maintaining all aspects of the Bank Secrecy Act/Anti-Money Laundering compliance program which will be designed to ensure a high level of compliance with the BSA/AML/OFAC related laws and regulations, internal policies and procedures and Federal regulatory expectations:
• Coordinating the development, implementation and administration of all aspects of the corporate-wide Bank Secrecy Act (BSA) Program.
• Conduct BSA/AML/OFAC risk assessments annually or as needed with consideration to products, services, customers, and geographies that may present BSA/AML/OFAC related risks. Annually collect and report data required for the OCC Money Laundering Reporting System
• Monitoring compliance with state and federal Bank Secrecy Act (BSA), USA PATRIOT Act, Anti-Money Laundering (AML), and OFAC laws and regulations.
• Assist with the identification of any type of financial fraud - include wire fraud, credit card fraud, internet scam, identity theft, money laundering and other suspicious activity in order to prevent losses
• Coordinating and assisting in the administration of independent, state and federal regulator and auditor examinations and reviews.
• Coordinating responses to regulatory BSA-AML examinations and audits and actions taken to insure deficiencies are corrected.
• Make recommendations to the Compliance Officer and senior management when and where appropriate.
• Maintaining proficient knowledge of the rules and regulations the Bank Secrecy Act (BSA) , USA Patriot Act, and OFAC.
• Work with operations units to develop BSA AML system, to investigate transactions that are suspicious in nature.
• Quality Control of submitted to FinCEN Suspicious Activity Reports, same as alerts and cases determined activity not warrants a SAR
• Monitoring and track BSA-AML high-risk customers and accounts.
• Performing regulatory research in response to business unit compliance inquiries, projects, and changes while communicating
• Perform analysis of BSA related data to draw conclusions about the level of compliance throughout the enterprise.
• Performing routine monitoring to determine the extent of compliance with regulations, laws, policies and procedures. Communicates the results of monitoring to department managers and senior management, follows-up to ensure issues are addressed, escalates issues
• Managing a department and leading a BSA team of 8 members. Schedule external BSA/AML training sessions for the BSA team

• Perform various quality control reviews and monitoring in the area of BSA/AML, USA Patriot Act, OFAC, 314A and CIP/KYC
• Assist with the identification of any type of financial fraud - include wire fraud, credit card fraud, internet scam, identity theft, money laundering and other suspicious activity in order to prevent losses. Responsible for the completing SAR with additional financial fraud/BSA AML investigation, assuring that information is accurate and documented prior to presentation to SAR committee and filing to FinCEN
• Respond to Law Enforcement and IRS requests and provide support documentation of Suspicious Activity Reports
• Prepare, consolidate, and analyze daily, weekly, monthly and quarterly various reports with high risk transactions.
• Implement changes required by regulations, develop procedures, provide training and supervision within the department
• Participate in the banking product development process, bank merges/acquisitions as it relates to AML risk
• Identify strategic and technical solutions to improve processes and provide recommendation to the management team. Prepared, represented and lead projects to cut expenses for the department and corporation by using banking operation systems and Excel.

• Performed various quality control reviews and monitoring in the area of BSA/AML, USA Patriot Act, OFAC, 314A and CIP
• Reviewed compliance monitoring for accuracy of information to assist with analysis against regulatory requirements and Company policy
• Assisted with the identification of any type of financial fraud - include wire fraud, credit card fraud, internet scam, identity theft, money laundering and other suspicious activity in order to prevent losses
• Prepared, consolidated, and analyzed daily, weekly, monthly and quarterly various reports
• Generated month end reports to present management team by consolidation of data from various sources
• Performed analysis for different areas to help improve effectiveness and efficiency
• Identified strategic and technical solutions to improve processes and provide recommendation to the management
• Follow applicable laws, regulations and guidelines, as detailed in policies located on Company intranet policies include but are not limited to Bank Secrecy Act, and other applicable anti-money laundering policies

• Provided supervision for 7 accounting associates, direct handed on personal performance, and ensured the maintenance of the core components in the reconciliation unit of deposit operations of multiple client systems.
• Prepared daily reports for the unit manager, verified monthly statistics of department and journal entries for month-end
• Represented department source of all information during external and internal audits
• Prepared quarterly attestation for the general ledger and internal accounts assigned to the Deposit Operations
• Lead new ATM projects, convert new banks to corporation with great results, increased workflow for the department by consolidation process
• Prepared, represented and leaded projects to cut expenses for the corporation by using banking operation systems and Excel. Worked close with Application Support group to request, test and run queries requested for projects
• Created worksheets with macros, pivot tables, Excel advanced formulas and queries download for department to make processes more accurate and easier to manage.
• Managing and train department of 7 members. Schedule external training for new or upgraded process

• Kept internal accounts in balance by posting daily transactions to general ledger
• Reconciled general ledger accounts with daily and monthly statements and reports
• Assisted OPS Manager with statistical management report and CEO with G/L transactions
• Generated and processed ACH/POS, POD files, cash letters and wire transactions daily
• Represented department source of all information during external audits

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