Experience

The Effort Trust Company

• Canada
• Banking
• 100 - 200 Employee

• Senior Compliance & Risk Officer

  • Jul 2021 - Present

  -Assist in providing subject matter expertise to business partners on a broad range of risk and compliance matters and actively work towards embedding a risk awareness culture throughout the organization; -Oversee the daily AML/ATF alert clearing process and conduct ongoing and transaction monitoring actives as outlined in the AML/ATF program; -Develop, implement, and maintain risk and compliance policies, procedures and manuals; -Monitor and report on key risk and performance indicators within the business against prescribed limits; -Execute the ongoing risk and compliance monitoring and testing program; -Prepare internal/external monthly, quarterly, and annual reports for risk, compliance and AML/ATF programs; -Lead and/or represent risk and compliance on key project, such as privacy, cyber security, etc.; -Assist in the co-ordination of on-site and desktop regulatory examinations and information requests (OSFI, CDIC, FCAC, FINTRAC, etc.); -Assist in developing and delivering training and communication to ensure consistent application of risk and compliance policies; and -Stay current on existing and new regulatory developments. Show less



RFA Bank of Canada

• Canada
• Financial Services
• 1 - 100 Employee

• Manager - MIU Mortgage Intelligence Unit

  • Jun 2020 - Jun 2021

  -Develop and maintain a thorough understanding of the requirements of internal procedures and external regulations related to the AML Framework. -Strongly adhere to existing procedures and controls in place and pro-actively react when foreseeing issues; ensure that checklist, job aids and system changes are consistently followed. -Maintain professional and courteous demeanor when contacting other employees and requesting information as necessary. -Follow approved documented processes to analyze information provided by other Bank employees or Servicers to identify suspicious activity or transactions. -Conduct investigations using Verafin, World Check and open source searches to gather evidence supporting a reasonable suspicion of money laundering, terrorist financing or tax evasion activities involving the Bank’s customers from initial detection to disposition -Utilize additional systems, tools and where required contact other department employees to develop a detailed case to objectively conclude if the activity in question is suspicious. -Write report summaries to clearly articulate the activity being reported, the conclusions drawn and the supporting reasoning. -Communicate effectively within the AML team and with other departments e.g. Credit, Customer Service etc. -Maintain an up-to-date understanding of money laundering and terrorist financing issues, including policies, procedures, legislation and regulations, industry best practice, criminal typologies and developing trends. -Participate in special projects, as assigned. Show less



Street Capital Bank of Canada

• Canada
• Financial Services
• 1 - 100 Employee

• Manager - AML Financial Intelligence Unit

  • Dec 2018 - Jun 2020

  -Managed the investigation, review and resolution of transaction monitoring, economic sanction/ PEP, and all other AML/ATF alerts, ensured that details supporting all were documented in the AML/ATF case management system in a timely manner.-Reviewed completed customer alerts and cases to ensure that conclusions and recommendations were comprehensive, supported, well thought out and reasonable given all known facts and circumstances. -Managed the investigation and reporting of suspicious transactions, ensuring all activities were executed within regulatory specified timelines.-Developed and conducted quarterly and/or monthly quality control reviews and oversight testing programs. -Tracked volumes and maintained accurate and timely statistics around daily, weekly and monthly operational activities.-Assisted in conducting customer due diligence, enhanced due diligence and enhanced monitoring activities for higher risk customers as needed.-Assisted in identifying and resolving systemic procedural weaknesses and issues. -Participated in the development and enhancement of standards, procedures and job aids.-Participated in the development and delivery of in-person AML/ATF Compliance Training for new and existing employees. -Participated in preparing documents and reports for regulators, auditors, and other stakeholders. -Performed other responsibilities and assist with special projects, as required. Show less

• AML Senior Analyst

  • Apr 2018 - Nov 2018

  -Developed and maintained a thorough understanding of the requirements of internal procedures and external regulations related to the AML Framework, particularly related to on boarding activities.-Adhered to existing procedures and controls in place and pro-actively react when foreseeing issues; ensure that checklist, job aids and system changes are consistently followed.-Followed approved documented processes to analyze information provided by other Bank employees or Servicers to identify suspicious activity or transactions.-Conducted investigations using Verafin, World Check and open source searches to gather evidence supporting a reasonable suspicion of money laundering, terrorist financing or tax evasion activities involving the Bank’s customers from initial detection to disposition-Utilized additional systems, tools and where required contact other department employees to develop a detailed case to objectively conclude if the activity in question is suspicious.-Wrote report summaries to clearly articulate the activity being reported, the conclusions drawn and the supporting reasoning. -Communicated effectively and efficiently within the AML team and with other departments e.g. Credit, Customer Service etc.-Monitored the ongoing effectiveness of the AML Framework as the business and environment evolve and change, identifying exposures, gaps and/or trends and making recommendations for adjustments to management to address. Show less

• Senior Mortgage Agent

  • Aug 2015 - Mar 2018

  -Converted incoming leads into applications by relying on mortgage financing and sales experience.-Responsible to promote and maximize the development and growth of Street Capital's residential mortgage business.-Gathered & verified all necessary information required to co-ordinate and analyze credit applications and ensure consistent, objective and sound credit decisions in a high volume environment.-Above average knowledge of the rules of underwriting, but not limited to: credit bureaus, GDS/TDS ratios, amortization, insurance premium, heat and tax calculation, posted rates etc.-Ensured all client/agent conditions were met prior to closing of mortgage files.-Established and maintained long lasting business relationships with Affinity Clients by keeping them informed of the products and services we offer. -Adhered closely to the established processes and procedures to produce high-quality files that comply with current standards and regulations.-Evaluated real estate and associated risks in a volatile market.Handled difficult interactions and unpopular business decisions.Built relationships with customers and related business partners. Show less



TD

• Canada
• Banking
• 700 & Above Employee

• Senior Credit Adjudicator

  • Mar 2007 - Aug 2015

  - Adjudicated credit within the Specialized Lending environment to evaluate and assessed requests for new and existing credit, mitigated risk and re aligned assigned credit to current market conditions. - Assessed credit worthiness of existing or prospective clients. - Determined in depth the degree of risk involved. - Examined financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.). - Routinely monitored loans for AML (Anti Money Laundering) compliance. - Adhere to credit policy and guidelines. - Monitor corporate portfolio asset quality on an ongoing basis. - Review models of credit information that predict trends and patterns. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Junior Credit Analyst

  • Jun 2005 - Mar 2007

  - Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them. - Preparing reports about the degree of risk in lending money to clients. - Analyzing client records and using the data to recommend payment plans. - Evaluating the financial status of clients by producing financial ratios through computer programs. - Filling out loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval. Show less



MBNA

• United Kingdom
• Financial Services
• 200 - 300 Employee

• Credit Adjudicator

  • May 2001 - Jun 2005

  - Loss Prevention, Collections Analyst from 5 day delinquency to charge off accounts from May 2001 to 2003. - Accounts Recovery Analyst from July 2003 - July 2004. - Assisted with team development introducing new procedures, scheduling, mentoring program and education to new recruits. - Loss Prevention, Collections Analyst from 5 day delinquency to charge off accounts from May 2001 to 2003. - Accounts Recovery Analyst from July 2003 - July 2004. - Assisted with team development introducing new procedures, scheduling, mentoring program and education to new recruits.



Midland Transport

• Canada
• Truck Transportation
• 400 - 500 Employee

• Credit Analyst/ Accounts Receivable

  • Mar 1997 - May 2001

  -Responsible for the Credit Approval and adjudication for Transportation and Courier accounts. -Developed a very thorough and organized process for handling credit applications. -Contributed to the reduction of DSO (day's sales outstanding) from 49.4 days to 34.4 days over a 3 year period. -Collections for portfolio of accounts receivable based in Quebec. -Responsible for the Credit Approval and adjudication for Transportation and Courier accounts. -Developed a very thorough and organized process for handling credit applications. -Contributed to the reduction of DSO (day's sales outstanding) from 49.4 days to 34.4 days over a 3 year period. -Collections for portfolio of accounts receivable based in Quebec.



Interlink Freight Systems

• New Brunswick, Canada

• Accounts Receivable Specialist

  • Oct 1994 - Mar 1997

  -Responsible for the collections on portfolio of 600 accounts based in Western Canada. -Performed regular accounts receivable duties and customer service related inquiries. -Mitigated company loss by maintain DSO (day's sales outstanding) within guidelines. -Took part in management/employee relations committee in order to develop and simplify working relationships with management and employees in a unionized environment. -Responsible for the collections on portfolio of 600 accounts based in Western Canada. -Performed regular accounts receivable duties and customer service related inquiries. -Mitigated company loss by maintain DSO (day's sales outstanding) within guidelines. -Took part in management/employee relations committee in order to develop and simplify working relationships with management and employees in a unionized environment.



Belleholder

• Toronto ON and Moncton NB

• Analyst/Policy Review

  • Jan 1995 - Jan 1996

  -Bellholder acted as a third party accounts receivable and management consulting company. -Contract work for assignment and performed offsite accounts receivable services and policy review as assigned by the firm. -Responsible for International and Eastern Canadian collections for an industry leader in technology and testing. -Provided collections skills, credit risk assessment, loss prevention and account maintenance. -Bellholder acted as a third party accounts receivable and management consulting company. -Contract work for assignment and performed offsite accounts receivable services and policy review as assigned by the firm. -Responsible for International and Eastern Canadian collections for an industry leader in technology and testing. -Provided collections skills, credit risk assessment, loss prevention and account maintenance.



CSA (Canadian Standards Association)

• Etobicoke ON Canada

• Analyst Policy Review

  • Jun 1993 - Dec 1993

  -Work was done onsite and on a contract basis providing bilingual services to the company's Easter Operations. -Portfolio of 2500 active accounts, both domestic and international collections. -Implemented CSA's Third Party Collection and Bad Debt procedures with the Accounts Receivable department. -Revised and maintained both the Third Party Collections and Bad Debt policies with a forward thinking and long term approach. -Work was done onsite and on a contract basis providing bilingual services to the company's Easter Operations. -Portfolio of 2500 active accounts, both domestic and international collections. -Implemented CSA's Third Party Collection and Bad Debt procedures with the Accounts Receivable department. -Revised and maintained both the Third Party Collections and Bad Debt policies with a forward thinking and long term approach.



Kingsway/Motorways

• Toronto, Canada Area

• Senior Collector, Accounts Receivable

  • Aug 1989 - Mar 1992

  -Responsible for credit approval on all accounts. -Portfolio consisted of 1200 accounts. -Maintained customer relationship while reducing DSO (days sale outstanding). -Started off with the company as an administrative clerk for 3 months before being promoted. -Responsible for credit approval on all accounts. -Portfolio consisted of 1200 accounts. -Maintained customer relationship while reducing DSO (days sale outstanding). -Started off with the company as an administrative clerk for 3 months before being promoted.