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SUMMARY
Financial Services and Compliance Professional with extensive experience as a co
nsultant, executive and staff employee in banks and brokerage firms. As a AML co
mpliance consultant, I have been a project supervisor, team leader, analyst, and
investigator, and SAR writer while as a staff employee have been a compliance o
fficer at broker-dealers, branch manager and prior to my business career was an
IRS agent and attorney. I have a through knowledge of financial transactions, A
ML compliance, the BSA, a strong record of meeting regulatory deadlines from the
Federal Reserve, FINRA, SEC and the IRS. I know how to prepare and write report
s including Sirs in a clear, logical and detailed manner. I am an experienced us
er of transaction analysis software programs like NorKom, CMS, Searchspace, Micr
osoft Office applications like Excel and Word, internet research tools like Worl
d Check, the OFAC data base and Lexis-Nexis, and several case management systems
. While a team player with excellent communication and strong decision making sk
ills, I can work independently as well.
CAREER PROGRESSION
Staff Positions:
XCU CAPITAL, CARLSBAD, CA 7/04 - 6/05
V.P. of Compliance Credit Union- Broker Dealer
* Developed risk-based account and transaction monitoring leading to reduced fra
ud and regulatory exposure.
* Insuring firm in compliance with all NASD rules including Rules: 3012, 3013, a
nd 314 and state insurance regulations.
* Developed exception reports to monitor all representatives.
* Contracted with former NASD auditor to establish an independent auditing progr
am.
* Reviewed and approved all advertising.
* Enforcement of continuing education program for all employees and representati
ves.
* Worked with IT department to implement new trading alert system (Protegent) an
d created new exception reports to monitor and supervise all trading programs an
d account activity including equities, options. Fixed income and insurance produ
cts resulting with increased compliance to FINRA rules and regulations.
* Helped develop (design and implementation) of internal controls to insure comp
liance of all financial operations with industry standards and regulatory requir
ements.
* Reviewed and implemented the firm's AML program and Email Surveillance.
* Revised new account applications, and redesigned new disclosure policy and for
ms annuities.
* Reviewed and rewrote firm's written supervisory procedures.
* Reviewed and approved all option account applications and trades.
* These revisions all resulted in increasing compliance and a satisfactory FINRA
audit.
* Represented firm in arbitrations and mediations.
* Conducted audit of firm's 60 branches. Supervised 4 person staff.
* Board of Directors brought in new CEO)
J. P. TURNER & CO., LLC, JERSEY CITY, NJ 5/03 - 7/04
Compliance Officer
* Responsible for all branch compliance issues, including surveillance of 40 equ
ity brokers. reviewed all option accounts and trades.
* Enforced AML and KYC and OFAC program in branch.
* Filed SARs, prepared monthly management reports and provided compliance traini
ng to brokers.
M.A.C. SERVICES - NEW YORK, NY 1/02 - 5/03
Partner:
* Partner/Staff/Analyst for this Public Accounting and Financial Planning Firm.
Firm provided accounting, investment and tax
* Services to the Latin American and Irish American community in NYC. The firm e
xceeded the standards of the PCAOB
DATEK ONLINE BROKERAGE SERVICES -JERSEY CITY, NJ 9/99 - 1/02
Compliance Officer
Analyzed and responded to regulatory inquiries relating to the company's trading
and back office operations. Including options, equities, bonds and mutual funds
. Participated in the development of the firm's AML, KYC and overall compliance
program. Gave compliance, AML, and KYC training to employees.
Charles Schwab & Co. Compliance Officer/ Senior Registered Representive
As a compliance officer, I analyzed and drafted reports and responded to regulat
ory inquiries concerning sales practices and trade disputes. As audit coordinato
r, prepared local branchs for internal and NASD audits and investigations. As br
anch representative worked with clients to provide investment advice and financi
al planning. Placed trades in equities and options, bonds and other fixed income
products and mutual funds. Gave seminars on investing and mutual funds to prosp
ective clients.
PREVIOUS EXPERIENCE
Prudential Insurance, Newark, NJ (Contract Position) Attorney / Class Action
Insurance Fraud Litigation
Internal Revenue Service ~ Field Agent/Revenue Officer
EDUCATION
Rutgers University School of Law, Newark NJ - 1998, Juris Doctor
Oklahoma State University, Stillwater, OK - Graduate Study & Teaching Fellowshi
p Political Science.
Oklahoma State University @ Durant, OK - B. A. Political Science & B. A. Histor
y
TECHNICAL SKILLS
NORKOM, Actimize, Search Space, KPMG: CMS Alert Database, Mantas, Atchley, Host
/Hogan, Debtor Discovery ,Choicepoint Lexis-Nexis, Westlaw, Edgar, NASD Web CR
D, Lotus Notes, Microsoft Office Products: Word, Excel,
MEMBERSHIPS/LICENSURES
Association of Certified Anti-Money Specialists
National Society of Compliance Professionals (NSCP)
Securities Industry Association (SIA) NASD Series 7, 63, 24 (Expired)