Experience

IIROC (Investment Industry Regulatory Organization of Canada)

• Canada
• Financial Services
• 100 - 200 Employee

• Trading Conduct Compliance Examiner

  • Feb 2022 - Present

  Examine Dealer Members’ processes, procedures and supervision for their compliance with trading related Requirements as defined in the Universal Market Integrity Rules (UMIR) and the Dealer Member Rules (DMR). In addition, the examiner will participate in the review of trading related aspects of fixed income and OTC products.Key Responsibilities:· Conduct reviews of Dealer Members’ equity trading records, procedures and policies for compliance with securities industry rules and regulations· Conduct reviews of Dealer Members’ fixed income, OTC equity and derivatives procedures and policies· Analyze results of reviews· Prepare reports for IIROC management and Dealer Members about review results and analysis;· Advise Dealer Members of review results· Evaluate compliance with trading related requirements (UMIR and DMR as applicable) and ensure identified deficiencies are addressed and where necessary, assist in the preparation of referrals to Investigations and Enforcement.· Advise Dealer Members of issues found in reviews and key industry concerns· Advise and support Dealer Members with effective methods to improve processes and resolve deficiencies· Respond to compliance related inquiries from Dealer Members.· Work on projects and industry studies· Prepare and deliver presentations to industry about compliance issues

• Business Conduct Compliance Examiner

  • Mar 2019 - Feb 2022

  The Business Conduct Compliance Examiner conducts field reviews of all non-financial compliance systems of Dealer Member head office and business locations to ascertain whether they comply with IIROC Dealer Member Rules and all other applicable statutory requirements. Key Responsibilities:• Planning - Conduct preliminary assessment of the Dealer Member head office or business location based on previous reviews, input from other departments and regulatory agencies and information about other relevant events to determine the scope of the review, the areas of principal risk and, on a preliminary basis, the anticipated number of hours required to complete the examination.• Review - Conduct review of the firm or business location in accordance with the review program.• Report Preparation - Prepare report of deficiencies that is clear, concise, and in good form. Review with Dealer Member and follow-up to ensure proper rectification of deficiencies.• Record Keeping - Ensure files include all relevant material on the review planning, interviews conducted and records reviewed.• Contribute to effectiveness of the Department in meeting its objectives and long term goals.



BMO Nesbitt Burns

• Canada
• Investment Management
• 700 & Above Employee

• Compliance Officer, Branch Audit

  • Jan 2018 - Feb 2019

  • Conduct branch reviews in a timely manner to assess compliance with regulatory requirements and firm policies. Responsibilities include: scheduling, preparatory work, field work, reporting, analysis and presenting results to management. • Assist in the maintenance of relevant audit working papers to ensure a meaningful branch review process. • Prepare draft and final audit reports within the required timeframe. • Make recommendations to management for improvement based on the analysis of yearly branch review results. • Keep abreast of changing regulatory requirements and firm policies. • Providing feedback with regards to new policies and procedures from a regulatory perspective. • Identify opportunities to increase efficiency throughout the program. • Participate in department initiatives and projects as required. • Provide backup and or training for other members of the team as required. • Assist in carrying out the second line of defence accountabilities through the Enterprise Compliance Program. This includes completion and review of Compliance Issues Management and Monitoring and Testing activities as required.



TD

• Canada
• Banking
• 700 & Above Employee

• Team Lead , TD Wealth Shared Services - Financial Planning Business Surveillance

  • Nov 2015 - Jan 2018

  • Lead a team of Surveillance Analyst performing account supervision by conducting branch level surveillance of financial planning accounts as part of Tier 1 Compliance functions.• Ensure all financial planning accounts are supervised in accordance to company's policies and procedures, compliance manual and adhering to IIROC handbook.• Coaching Surveillance Analysts in providing guidance to the field in matters concering risk, procedures and compliance.• Ensure all alerts triggered by the wealth compliance surveillance program are responded to, and appropriate queries are sent to the field for further clarification on items that need further review in a timely manner• Escalating alerts from account supervision for financial planning accounts that have exceeded set time frames to Senior Regional Managers for further follow up with their Financial planners• Performs monthly spot check on items reviewed by Surveillance Analysts; identify deficient items for coaching and correction• Work with different business partners in process improvement initiatives to ensure that important risk related items and trends are highlighted and brought to the business' attention for more focus and to minimize potential occurance

• Team Lead, TD Wealth Financial Planning, Branch Manager Team

  • May 2014 - Nov 2015

  • Lead a team of Assistant Branch Managers and Risk Officers in reviewing and approving new account applications (NAAF) & Know Your Client (KYC ) updates, as well as account supervision by conducting branch level surveillance of financial planning accounts as part of Tier 1 Compliance functions. • Ensure all financial planning accounts are supervised according by Assistant Branch Managers to branch operating procedures and meeting IIROC requirements• Coaching Assistant Branch Managers on knowledge to provide proper guidance to Financial Planners in matters regarding operating procedures, risk and compliance matters• Ensure all alerts triggered by the wealth compliance surveillance program are responded to, and appropriate queries are sent to the field for further clarification on items that need further review in a timely manner• Escalating alerts from account supervision for financial planning accounts that have exceeded set timeframes to Senior Regional Managers for further follow up with their Financial planners• Support Assistant Branch Managers and Branch Manager in preparing signoff on Monthly Statement Review• Performs monthly spot check on items reviewed by Assistant Branch Managers; identify deficient items for correction• Work with different business partners to ensure business continues to comply with AML, Compliance, Tax, FATCA, and New Accounts policies and procedures; while ensuring that there are no negative impacts to the Financial Planning business with the implantation of new initiatives from various areas

• Assistant Branch Manager, TD Wealth Financial Planning

  • Oct 2013 - May 2014

  • Review and approval of New Account Application Forms to ensure applications meet regulatory and firm standards• Review and approval of Account Maintenance Forms (Risk Level and Material Changes forms)• Daily Trade Surveillance to ensure trading and account activity adhere to regulatory standards as well as firm policy• Review of customer and employee monthly account statements to identify any unusual account activity• Prepare ongoing management reports• Participate as a Subject Matter Expert in projects and initiatives of TDWFP• Maintain Service Level Agreement in all delegated Assistant Branch Manager duties• Advise and coach Financial Planners, Financial Planning Associates, and Senior Regional Managers on TD WaterhouseFinancial Planning policies• Communicate effectively on regulatory matters to ensure compliance with regulations, including KYC and KYP standards• Functioning as Tier 1 Compliance by performing branch level surveillance as part of a centralized branch managers team.



BMO

• Canada
• Financial Services
• 700 & Above Employee

• Compliance Officer

  • Jun 2012 - Aug 2013

  - Review, track and recommend for approval of Outside Business Activities - Perform monthly PRO account reviews and issue compliance letters to request duplicate statements - Assist external firms by setting accounts up as PRO and sending out duplicate statements - Respond to compliance inquiries from IAs pertaining to firm policies, Segregated funds, insurance licensing, IIROC rules, and industry regulations - Monitor email communications from IAs for compliance with firm policies - Review and provide feedback on updating policy manuals - Support regulatory and branch audits by providing various files and documents in a timely manner - Perform daily trade reviews including Segregated Funds, and account openings by inquiring and following up on any possible compliance issues - Responsible for license registration process for licensed IAs and corporate licensing including set up and renewal by working with the branches, directors and regulators - Maintain registrant files and registration on database for accuracy and ease of retrieval - Support AML team on Risk Scoring project to assess the risk of accounts in high risk countries



TD

• Canada
• Banking
• 700 & Above Employee

• Team Manager (Direct Investing - Asian Services)

  • Nov 2010 - Jun 2012

  - Investigated various issues including client complaints, service issues, trading issues and errors and resolved them to mitigate further exposure and to ensure that client is satisfied- Resolved and tracked all client complaints according to the customer problem resolution process and adhering to IIROC policies - Performed daily trade reviews, authorized trades and signed off on month end supervision reports per IIROC requirements- Reported suspicious activities in clients’ account to various departments including AML, Compliance, and Credit and Risk groups when monitoring clients’ accounts.- Supervised Investment Representatives and monitored their trades and phone conversations with clients to ensure they are in compliance with industry regulations and company policy- Lead and motivated a team of Investment Representatives by developing and coaching them to successfully deliver service excellence, and exceeding other business accountabilities- Ensured that Investment Representatives are trained, informed and competent in providing skillful and expert guidance on daily transactions and complex or unusual situations- Improved internal procedures and systems to optimize the team’s level of productivity- Acted as a subject matter expert on various firm policies and trading rules relating to Investment Representatives- Lead various effective working groups to create or improve processes including recruitment, employee developments and employee events.

• Senior Investment Representative

  • Oct 2007 - Oct 2010

  - Resolve client issues by actively listening and encouraging clients to clarify the problem and documenting the issue in writing and in client notes- Communicate and follow up with various departments on what needs to be done to resolve issues in a timely manner and following up on outstanding issues- Manage and track outstanding client issues and pending tasks by using E-Task database and deadlines and schedule using Microsoft Outlook task list and calendar.- Execute client instructions in accordance with industry and company policy while maintaining superior service standards- Provide accurate and timely information on market activity, company products and services and customer account information - Proactively identify client needs through each point of contact, and offering appropriate solutions based on the client’s individual circumstance and market situations- Contribute positively to the company and department’s overall goals including sales goals and service excellence goals