SUMMARY:

• Dedicated professional with exceptional audit and compliance experience in the financial services industry to include commercial banking, investment banking, international banking, broker dealer and leasing.
• Extensive knowledge of complex capital markets derivative products, fixed income securities, equities, trust, asset management. Proficient in performing financial, operational and regulatory risk compliance and control audits.
• A results - oriented individual that earned a reputation with senior management as a highly analytical; detail-oriented and strategic thinker; quantitative problem solver; team player and individual contributor. A unique ability to work cross-functionally, entrepreneurially and independently in deadline-driven environments with excellent written and oral communication skills.

PROFESSIONAL EXPERIENCE:

Confidential, New York

Audit Manager

Responsibilities:

• Monitored and tracked target due dates on open audit and regulatory findings (MRIA’s & MRA’s) to ensure compliance to the implementation all recommendations provided by Internal Audit, banking regulators and third- party consultants.
• Submitted quarterly reports to the Head of Audit.

Confidential

VP & Senior Compliance Manager

Responsibilities:

• Oversaw regulatory compliance for the Payments & Cash Management (PCM) business supporting Commercial & Retail Banking (CMB), Global Banking and Markets (GBM), Global Trade Finance (GTF) and Private Banking customers
• Oversaw regulatory compliance for the Payments Banking customers
• Ensured the Compliance team is organized to provide proactive, team-based Commercial & Retail compliance services and serve as a single-point-of-contact to address all Commercial & Retail Payments and Cash Management compliance issues within HBUS.
• Served as a champion for all compliance activities with the assigned business partners and promote early identification of systemic risks, and respond to risks in a proactive manner, introducing compensating risk reduction and mitigation practices.
• Interfaced with the Business Line Leaders, Business Risk Control Managers (BRCM’s) and AML Compliance Regulatory Compliance Officers (RCO).
• Implemented in conjunction with the line of business supported all compliance related policies, procedures, systems and controls as promulgated by the Program/Policy Office, Risk Office, Systems and Data Team, and Control Integrity Office.
• Provided regular, timely and comprehensive issue/resolution reporting to the line of business executives and Compliance senior team.
• Conducted compliance reviews of the annual BSA/AML & OFAC risk assessments and risk assessment methodology of CMB to determine whether they apply methods commensurate with the scope and complexity of the businesses and meet industry standards and regulatory expectations.
• Reviewed and evaluated preventive and detective controls in business risk assessments for propriety of legal and regulatory requirements as well as the inherent and residual compliance risks for propriety.
• Reviewed and evaluated the quality and propriety of risk assessment documentation.
• Performed compliance surveillance reviews to also include the CMB & PCM BRCMs’ internal compliance control monitoring program of monthly internal monitoring results, test work and supporting documentation to determine if they accurately support test results. Advised BRCMs to update work plan for changes necessary based on recent changes to the business process and/or control structure. Prepared formal written surveillance reports to compliance senior management.

Confidential, New York, NY

Audit Manager

Responsibilities:

• Involved in monthly US senior management meetings and monthly/quarterly Risk meetings and provided feedback.
• Responsible for monitoring updates to the Dodd Frank Act to ensure compliance.
• Responsible for conducting financial, operational, and regulatory risk compliance control audits for all US activities/functions. Conducted front to back audits of the securities financing; domestic stock loan/borrow, international stock loan/borrow, fixed income securities (U.S. treasury and municipal securities, bonds, repurchase and reverse repurchase agreements), equities, options, Accounting and Funds Transfer.
• Prepared formal written audit reports to effectively communicate audit findings and recommendations to clients and executive management.

Confidential, New York, NY

VP, Internal Audit Department

Responsibilities:

• Reported directly to the Head of Internal Audit, Americas.
• Conducted financial, operational and compliance risk and control audits of the Broker-Dealer subsidiary, products included domestic/foreign equities and bonds, audits included Regulatory (FOCUS) reporting, SEC Rule 15c3-1 Net Capital Rule, SEC Rule 15c3-3 Customer Reserve Formula, etc., Confidential licensing and registered representative activities compliance reviews. Evaluated existing internal policies and procedures and operations and recommend changes as necessary to be in compliance with regulatory rules and regulations as promulgated by the SEC, Confidential and the firm’s internal procedures.
• Risk assessment, audit and monitoring of Treasury Activities to include market and liquidity management, liquidity stress testing, and cash management.
• Performed Sarbanes-Oxley control testing reviews and prepared quarterly and annual reports of control testing results. .
• Prepared formal written audit reports to effectively communicate audit findings and recommendations to clients and executive management.
• Interfaced with Regulatory examiners during regulatory exams.

Confidential, Jersey City, NJ

VP, Group Internal Audit

Responsibilities:

• Conducted financial, operational and regulatory risk compliance audits of trading desks and operations for inter-dealer broker business.
• Conducted audits as per the annual Audit Plan in accordance with generally accepted auditing standards, the firm’s internal policies and procedures/guidelines and compliance with regulatory rules and regulations as promulgated by the SEC and Confidential .
• Conducted financial, operational and regulatory compliance risk-based audits of trading desks and back-office operations/settlement, areas audited included Equities, Fixed Income Securities (municipal, government and treasury securities), Commodities, Foreign Exchange and Mutual Funds.
• Updated and implemented internal audit programs that included testing for compliance to applicable SEC, Confidential and Confidential Rules and Regulations, front and back-office operations risk, financial risks, and regulatory reporting (FOCUS).
• Evaluated existing internal policies and procedures and operations and recommend changes as necessary to be in compliance with regulatory rules and regulations promulgated by the SEC, Confidential and the firm’s internal policies and procedures/guidelines.
• Prepared formal written audit reports to effectively communicate audit findings and recommendations to clients and executive management.

Confidential, Roseland, NJ

Compliance Manager - National Compliance Office

Responsibilities:

• Executed procedures and routines to meet the SOX attestation and reporting requirements as it relates to Sections 302 and 404 of the Sarbanes-Oxley Act.
• Assisted Confidential 's SOX implementation efforts. Assisted in overseeing the assessment and testing process. Made recommendations for improvement of overall internal controls, operations and accounting procedures. Assisted in preparing project status to Senior Management and Core Committee responsible for SOX.
• Managed audits and reviews for the Confidential ’s Employer Services Group to ensure compliance with SOX.

Confidential, Livingston, NJ

Senior Audit Manager - Internal Audit Department

Responsibilities:

• Conducted financial and operational risk and control audits of leasing and lending activities in Equipment Finance, Specialty Finance, Commercial Services, Structured Finance, Capital Finance (aerospace and railcar finance) business units, Treasury department (derivative products, foreign exchange, money market and hedged transactions), Accounting, and Funds Transfer and ACH payments.
• Conducted Sarbanes-Oxley (SOX) test work of key controls identified by business units and report findings along with recommendations.
• Prepared formal written audit reports to effectively communicate audit findings and recommendations to clients and executive management.

Confidential, Jersey City, NJ

AVP & Audit Supervisor - Internal Audit Department

Responsibilities:

• Conducted financial, operational and compliance risk and control audits of broker-dealer and back-office operations included Equities, Mutual Funds and Options.
• Areas of audit included SEC Rule 15c3-1 Net Capital Rule, SEC Rule 15c3-3 Customer Reserve Formula, Confidential licensing and registered representative compliance reviews. Operations, Stock Loan/Borrow, Margin, Re-Org, ACATS, Paying & Receiving, Settlements, Funds Transfer.
• Developed audit programs based on exposures to operational, compliance and regulatory risks, and financial risks.
• Evaluated existing internal policies and procedures and operations and recommend changes as necessary to be in compliance with regulatory rules and regulations as promulgated by the SEC, Confidential and the firm’s internal policies, procedures/guidelines.
• Participated in the implementation of the firm’s Anti-Money Laundering (AML) compliance program and conducted an AML compliance review.
• Prepared formal written audit reports to effectively communicate audit findings and recommendations to clients and executive management.

Confidential, New York, NY

Assistant Treasurer - Internal Audit Department

Responsibilities:

• Performed audits of Asset Wealth Management and Trust areas.
• Performed Model and Interest Rate Risk (IRR) Stress Testing and reported risk on Capital Markets Derivative products.
• Reviewed Asset Liability Management/Gap Analysis and controls of the Risk Management Desk.
• Risk assessment, audit and monitoring of Treasury Activities to include market and liquidity management, liquidity stress testing, and cash management.
• Supervised staff members and reviewed staff audit work papers.
• Prepared formal written audit reports to effectively communicate audit findings and recommendations to clients and executive management.