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Work Background
ZilchCompliance Manager
May. 2022 - Mar. 2024Hybrid• Created and operationalized fraud operations strategy and team. • Reviewed payment providers and helped implement new payment methods.
• Product compliance and risk road maps and testing. • Streamlined onboarding process and vendors to ensure risk mitigation is maximized. • Tested newly implemented compliance and fraud strategies. • ToD/ToE of newly implemented risk controls and vendors. • Managed collections strategy from creation to implementation. • Created enhanced due diligence procedure for fraud and KYC process and onboarded relevant vendors for the EDD. • Aided in credit policy development. • Created operations processes for changing credit policies and thresholds. • Scoped and implemented new transaction monitoring software. • Product compliance reviews for new and updated products. • Marketing domain compliance reviews. • Marketing materials and customer facing communications
Hard Rock DigitalSenior Manager Payments and Fraud Operations
Feb. 2022 - May. 2022• Built a team of 30 for daily payments and fraud operations. • Created processes and procedures for the payments and fraud department. • Implementing and managing various payment processors across the organization. • Managing relationships with internal and external partners. • Create, implement, and test new processes, procedures and software used by fraud, risk, compliance, and anti-money laundering teams. • Launch projects and initiatives to improve department efficiency and productivity.
Hard Rock DigitalManager Payments and Fraud Operations
Aug. 2021 - May. 2022
PaymentusOnboarding Compliance and Operations Lead
Sep. 2020 - Aug. 2021• Document process to improve efficiency and transparency to mitigate risks • Lead policy review to compliance with deposit related regulations (reg cc/ reg dd). • Initiate the merchant onboarding process by gathering relevant information from various sources, including public databases, to ensure KYC compliant records • Work with Business Support Unit and Compliance to assess documentation requirements for client legal entities in order to complete AML/KYC records • Liaise with internal compliance team on the application of KYC policies • Collaborate with internal stakeholders (Audit, Legal, Credit, AML, Compliance, Technology, etc) to help coordinate and ensure AML/CDD/KYC procedures are in compliance with current regulations • Liaise with external partners to formalize and document processes and procedures • Assist in enhancing the Anti-Bribery and Anti-Corruption (ABAC) policy and procedure to meet ABAC laws and requirements.
HD Financial Compliance ConsultingCompliance and Risk Managing Director
Jan. 2020Remote• Private consultant for financial technology firms and banks in the compliance, risk and anti-money laundering space. • Create new compliance and risk programs for startups. • ToD/ToE for all payment methods and payments risk vendors. • Review and revise existing/failing compliance and risk programs internally to remedy gaps and issues. • Obtain and maintain regulatory licenses and relationships. • Conduct internal risk assessments as well as industry-based risk assessments for new products and jurisdictions. • Create and implement procedures and policies for Investment Advisers Act of 1940 and Securities Exchange Commission regulations. • Create, implement, and test new processes, procedures and software used by compliance and anti-money laundering teams. • Develop global anti-bribery and corruption program working in collaboration with multiple stakeholders, including AML, Legal, Compliance and Risk. • Develop and implement fraud monitoring strategy, credit policies and operational processes. • Product compliance and risk road maps and testing.
PaysafeMerchant Onboarding, Compliance
Feb. 2019 - Aug. 2020Miami, Florida• Project Manager for merchant remediation project.
• Assist in the overall design and implementation of the AML Compliance Program to ensure that it reflects US regulatory and SOX requirements.
• Assists in the development of merchant due diligence onboarding, retention and screening. • Conduct reviews of merchant’s profiles using systems such as Salesforce, Thomson Reuters, and share point.
• Assist in managing internal compliance audits and state exams for merchant accounts.
• Assist in building out processes and expectations for various high-risk industries (crypto, gaming, gambling, multi-level marketing etc.).
• Conduct investigations of clients or potential clients to detect possible violations of the Bank Secrecy Act (BSA), including all relevant sections of the USA PATRIOT Act, and determines if a Suspicious Activity Report is required. • Perform periodic compliance related testing and assist with setting monitoring rules and limits.
• Experience with FinCen, SEC, OFAC, CFTC, FSA and FINRA rules and regulation implementation.
• Policy and procedure writing and editing.
BankUnitedSurveillance Analyst (Contract)
Feb. 2018 - Jan. 2019Miami, Florida• Evaluate customer’s internal profile using multiple internal KYC (know your customer) systems (EDD, SSRS, Aperio, etc.). • Investigate and conduct thorough internal and external research in order to obtain accurate financial profiles. • Adhere to strict deadlines and production standards, analyst expectation of 10 alerts per day were regularly surpassed by 30-50%.
• Train new hires, to aid team.
Royal TradeManager
May. 2016 - Feb. 2018Tampa/St. Petersburg, Florida Area
The BancorpFinancial Intelligence Unit Analyst (Contract)
May. 2016 - Oct. 2016Tampa/St. Petersburg, Florida Area• Review and disposition alerts to determine if alerted accounts and profiles require SAR (suspicious activity report) filing or additional inquiry. • Provide QA (quality assurance) evaluation for alerts and cases which were part of a backlog project.
• SAR writing, editing, and filing.
J.P. MorganSenior Financial Intelligence Unit Analyst (Contract)
Nov. 2015 - Apr. 2016Tampa/St. Petersburg, Florida Area• Evaluate clients’ profiles and KYC information for client list screening, name screening, red flags and sanctions issues to determine whether the relationship as a whole needs to be evaluated based on a risk based approach.
• Daily production expectation of 110 alerts per day, regularly surpassed by 20-40%.
• Train new team members on the screening process and escalations, while assisting in project management. • High risk investigations of escalated accounts and profiles, as well as evaluate the accounts and whether or not the bank should continue the relationship with the client.
CitiTransaction Monitoring Analyst (Contract)
Nov. 2014 - Sep. 2015Tampa/St. Petersburg, Florida Area• Understand and implement the patriot act, bank secrecy act regulations and anti-money laundering standards and procedures.
• Review clients KYC information, as well as transactional history, identify AML patterns of concern and disposition based on the overall profile and financial capacity.
• Recognize AML related scenarios such as rapid movement of funds, high risk geographies, layering, structuring etc. to determine whether the profile needs to be escalated for further investigation.
• Monitor financial trends that display suspicious activity related to drug and arms trafficking, human trafficking, terrorist related profiles and terrorist financing, smurfing, etc.
American Youth AcademySubstitute Teacher
Dec. 2011 - Feb. 2013Tampa/St. Petersburg, Florida AreaLong term substitute teacher for teachers on long leaves of absence.
Petra Auto SalesSales and Operations Manager
Apr. 2010 - Nov. 2014Tampa/St. Petersburg, Florida Area• Interview, hire, promote and terminate employees in the sales team. • Train and manage a sales team of four people who were responsible for sales and purchased of vehicles.
• Maintain and update files required for auto sales and insuring a level of quality for bookkeeping and operations.
• Insure vehicles were ready for sale and guaranteed they arrived on time from purchase locations (primarily East Coast region).
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