Greater Toronto Area, Canada
What makes me different? I don't just review alerts or draft EDD's or STR/SAR's —I build the tools that make compliance faster, smarter, and more accurate. With 15+ years in AML/BSA/ATF compliance across five major global banks—JPMorgan Chase, Wells Fargo, Bank of America, Scotiabank, and Sumitomo Mitsui Banking Corporation—I've worked in some of the world's most complex financial operations where there's zero margin for error and mistakes cost millions in fines and reputational damage. My experience spans global markets including the U.S., Canada, UK, Asia, and South America—collaborating with Big 4 and Big 5 consulting firms to modernize compliance platforms and adapt to rapidly evolving regulatory demands. Where I stand out: I combine deep regulatory expertise with real technical skills. Python, SQL, VBA, and NICE Actimize aren't buzzwords on my resume—they're tools I use daily. I've built automation that improved review efficiency by 15–20%, developed data validation processes that caught gaps others missed, and worked with massive data sets to surface patterns manual reviews would never find. Core expertise: → U.S. BSA/AML, FinCEN & FINTRAC frameworks → CIP/KYC, EDD, CTR, STR processes → Transaction monitoring, surveillance & alert optimization → SAR narrative writing & regulatory reporting → High-risk client reviews & sanctions screening → Policy design, controls development & implementation I've been embedded in Financial Intelligence Units supporting compliance across Mortgage Lending, Banking, Credit, and Forensic Underwriting—always focused on protecting institutions through precision, transparency, and sound risk management. Currently exploring opportunities in AML Management, KYC, Capital Markets, Investigations, Transaction Monitoring, and Compliance Analytics. Let's connect.
Performed risk-based KYC periodic reviews for complex fund structures (master-feeder, parallel, co-invest and SPV vehicles) across regulated and unregulated investment funds supporting capital markets products and syndicated lending. Collected, analyzed, and refreshed core fund documentation including PPMs/OMs, LP Agreements, subscription documents, offering supplements, investment management and advisory agreements, and fund constitutional documents. Assessed AML control frameworks for funds and managers by obtaining and reviewing AML letters, policies, investor KYC summaries, independent administrator confirmations, and due diligence questionnaires for global managers such as KKR, Blackstone, TPG, BlackRock and Brookfield. Identified and verified ultimate beneficial owners, General Partners, Investment Managers, and key principals through multi-layered ownership chains, applying enhanced due diligence for higher-risk structures, jurisdictions, and investor bases. Distinguished between regulated vehicles (e.g., UCITS / 40‑Act funds) and unregulated offshore funds (e.g., Cayman/BVI limited partnerships), adjusting periodic review depth, frequency, and documentation standards in line with risk appetite and regulatory expectations. Screened fund entities, managers, UBOs, and connected parties against sanctions, PEP, and adverse media sources and documented resolution of alerts, including escalation of material findings to senior AML/compliance where warranted.
Conducted periodic KYC and AML reviews of syndicated loan borrowers and participants, focusing on complex loan structures with multiple institutional lenders. Performed transactional monitoring and screening on syndicated loan accounts for suspicious activity, ensuring compliance with AML regulations and internal policies. Reviewed and analyzed borrower financials, credit agreements, repayment schedules, and collateral documentation as part of due diligence and periodic risk assessment. Collaborated with underwriting, legal, compliance, and operations teams to verify documentation completeness, loan covenants compliance, and remediation of identified risks. Investigated alerts generated from transaction monitoring systems for unusual payment patterns, large disbursements, or cross-border transactions related to syndicated loans. Escalated higher-risk findings and suspended transactions for further enhanced due diligence or suspicious activity reporting as required by regulatory standards. Maintained and updated loan administration databases and documentation, ensuring audit-ready records of KYC reviews, investigations, and screening outcomes. Communicated effectively with internal stakeholders and external lending institutions to resolve KYC or AML deficiencies and support loan syndication lifecycle.
Conducted daily regulatory onboarding activities for Global Banking and Markets (GBM) clients in Canada, ensuring compliance with KYC/AML regulations specific to the Canadian market. Performed client onboarding in accordance with Canadian regulatory frameworks including KYCAML, Canadian Derivatives regulations, FATCA, and CRS reporting requirements. Collaborated with Associate and Team Lead Regulatory Onboarding on remediation projects for existing clients to address regulatory gaps and deficiencies. Supported the development and implementation of business process improvements and technology changes to enhance onboarding efficiency and regulatory compliance. Reviewed and validated client documentation, risk assessments, and beneficial ownership information tailored to Canadian compliance expectations. Monitored adherence to domestic regulatory policies and worked closely with internal stakeholders to maintain up-to-date KYC/AML records. Assisted in managing cross-border onboarding processes for clients with Canadian business interests, ensuring alignment with global and local regulatory obligations.
Reviewed and analyzed alerts generated by automated transaction monitoring systems to identify potentially suspicious activity related to money laundering, fraud, or regulatory breaches. Conducted thorough investigations of transaction alerts by examining client profiles, transaction histories, and supporting documentation to assess legitimacy and risk. Applied risk-based judgment and AML knowledge to distinguish false positives from truly suspicious transactions requiring escalation or filing of Suspicious Activity Reports (SARs). Escalated high-risk or complex cases to senior AML officers and regulatory compliance teams in alignment with internal policies and legal requirements. Maintained detailed documentation and rationale for every alert reviewed, investigation conducted, and decision made to ensure audit readiness and regulatory compliance. Monitored transaction patterns and alert trends to identify potential emerging risks and contributed to the refinement of transaction monitoring scenarios and rules. Collaborated with compliance, legal, and business units to resolve issues, clarify transaction purposes, and recommend improvements to AML controls. Assisted in preparation of reports and management information related to transaction monitoring performance and alert disposition metrics.
Conducted comprehensive reviews of various reports, applications, and platforms used by the Financial Intelligence Unit (FIU) to analyze complex customer data and transaction patterns for suspicious activity requiring escalation. Documented findings clearly and accurately following corporate policies to support internal records and regulatory reporting. Assisted in the timely preparation and filing of Suspicious Activity Reports (SARs) to regulatory authorities, ensuring compliance with filing deadlines and requirements. Prepared monthly management reports tracking SAR volumes, stratification and velocity analyses, and other key metrics to inform department activities. Performed investigative due diligence on high-risk customers by analyzing detailed customer information, transactional data, and related reports to determine the necessity for SAR submission. Managed enhanced due diligence reviews for higher-risk bank customers, scheduling periodic reviews and continuously identifying and monitoring associated risks for informed retention decisions. Conducted ongoing monitoring and analysis of specific high-risk segments including Money Service Businesses, ATM owners, lending activities, and new high-risk relationships requiring enhanced scrutiny. Verified accuracy and completeness of daily Currency Transaction Reports (CTRs) and performed scheduled electronic filings with the Internal Revenue Service. Periodically reviewed Monetary Instruments records to ensure compliance with Bank Secrecy Act (BSA) regulations and internal standards. Supported alert clearing and surveillance teams by reviewing triggered alerts from risk scoring engines to identify and prioritize high-risk transactions. Identified related accounts and entities connected to high-risk customers to expand risk evaluation boundaries effectively. Reviewed internal and external data sources to update and enhance customer risk profiles continuously.