Summary
Overview
Work History
Skills
Timeline
Generic

Amber Howell

Linkedin.com/in/Amberruth, Tampa,FL

Summary

Senior compliance leader with 15+ years of progressive experience across AML investigations, KYC, and enterprise fraud oversight. Proven record of leading regulatory remediation, strengthening control frameworks, and governing SAR programs across global business units. Trusted partner to senior leadership in managing financial crime risk, regulatory readiness, and operational compliance.

Overview

2026
2026
years of professional experience

Work History

Vice President, Global Fraud Regulatory Reporting

Citibank
Tampa, FL
2023 - Current

Lead enterprise oversight of Global Fraud SAR reporting programs, ensuring alignment with AML regulatory standards, internal control frameworks, and firm-wide risk appetite.

  • Governed Global Fraud SAR Filing Standard and Internal Procedures, ensuring consistency across filing units and jurisdictions.
  • Lead regulatory remediation initiatives (including MRA responses and Internal Audit walkthroughs), strengthening control effectiveness and regulatory posture.
  • Direct MCA Control design and performance monitoring for Fraud SAR Referral Metrics and Feedback Loop, Regulatory Change Management and Annual review of the Fraud SAR Decision Tree.
  • Collaborated with Global SAR Program leadership to identify process gaps, challenge processes, and enhance SAR timeliness and quality.
  • Delivered executive-level risk reporting and analysis to senior compliance and risk leadership, informing strategic decision-making.

Compliance AML Execution Analyst

Citibank
Tampa, FL
2021 - 2023

Conducted complex AML investigations across mortgage and retail banking portfolios, drafting SARs to ensure compliance with FinCEN regulatory requirements.

  • Investigated and reconciled 900+ customer accounts, analyzing KYC profiles and transactional behavior to inform escalation and SAR filing decisions.
  • Maintained 100% adherence to regulatory SLAs with zero late SAR filings.
  • Managed and distributed daily production metrics, enhancing leadership visibility into performance and risk trends.
  • Delivered peer training on SAR narrative quality and disposition standards, strengthening regulatory consistency.

KYC Sector Lead – Healthcare Portfolio

Deutsche Bank
Tampa, FL
2020 - 2021

Led KYC operations for a global healthcare client portfolio exceeding 400 legal entities.

  • Facilitated cross-functional communication among Business, AML, and Compliance teams to resolve documentation and risk assessment gaps.
  • Enhanced quality assurance performance, consistently surpassing production benchmarks for 11 consecutive months.
  • Streamlined processes to minimize manual rework and accelerate cycle time.

Wealth Management Operations

Morgan Stanley
Tampa, FL
2020 - 2020
  • Supported operations and compliance within wealth management by applying SEC and FINRA guidelines to high-volume client transactions.

Client Experience & Business Development

GTE Financial
Tampa, FL
2016 - 2018
  • Executed business sales program that increased regional revenue by 95% through client acquisition and relationship management.

Mortgage & Bankruptcy Risk Analyst

HSBC
Tampa, FL
2011 - 2015
  • Reconciled a portfolio of 2,000 mortgage bankruptcy accounts in compliance with federal bankruptcy regulations.

Skills

  • Financial Crime Risk Oversight
  • AML & SAR Governance
  • Regulatory Remediation (MRAs)
  • Regulatory Exam Readiness
  • Policy & Procedure Ownership
  • Credible Challenge & Risk Appetite
  • Enterprise Control Frameworks
  • Global Metrics & Reporting
  • AML & Compliance Platforms (CitiSAR, NextGen, LexisNexis)
  • Risk & Case Management Systems
  • Regulatory Documentation & Version Control
  • Microsoft Excel
  • Microsoft PowerPoint

Timeline

Vice President, Global Fraud Regulatory Reporting

Citibank
2023 - Current

Compliance AML Execution Analyst

Citibank
2021 - 2023

KYC Sector Lead – Healthcare Portfolio

Deutsche Bank
2020 - 2021

Wealth Management Operations

Morgan Stanley
2020 - 2020

Client Experience & Business Development

GTE Financial
2016 - 2018

Mortgage & Bankruptcy Risk Analyst

HSBC
2011 - 2015
Amber Howell