Summary
Overview
Work History
Education
Skills
Affiliations
Certification
Timeline
Generic

Amy Quarles

Fort Collins,CO

Summary

Results-driven Compliance Executive with extensive experience in banking and FinTech operations, specializing in product regulatory compliance and financial services. Demonstrated expertise in developing and enhancing compliance policies, along with a strong ability to implement effective risk management strategies. Known for delivering innovative solutions that align with industry standards while fostering a culture of compliance within organizations. Committed to driving operational excellence and ensuring regulatory adherence in dynamic environments.

Overview

25
25
years of professional experience
1
1
Certification

Work History

OPERATIONS AND COMPLIANCE OFFICER

MBANQ
10.2022 - Current
  • Drove compliance adherence working with product team in development and implementation of new products and product enhancements including core processing, lending, credit cards, wires, and RDC leading to seamless integration of operational builds and enhancements
  • Collaborated as subject matter expert with internal teams ensuring operations and compliance integration in product roadmap development
  • Served as Program Manager for FinTech onboarding; liaising with internal and external stakeholders, resulting in compliant integration of FinTech platforms with sponsor banks
  • Established standard operating procedures and playbooks to manage customer advisory function, ensuring consistency and efficiency of policies, procedures, and systems based on evolving regulatory and customer requirements
  • Led daily operations involving sponsor banks and customers as Operations Team Manager
  • Managed ongoing FinTech and sponsor bank relationships including new product implementation, required reporting, and serving as point of escalation
  • Streamlined operational workflows by introducing automated tools for improved transaction monitoring, case management, and KYC compliance
  • Directed App QA testing of all operational and compliance standards and features

COMPLIANCE MANAGER, OPERATIONS

GIG WAGE
06.2021 - 10.2022
  • Directed team in developing and implementing a comprehensive ERM and compliance program covering BSA, AML, Fraud, Privacy, and KYC, boosting regulatory adherence and mitigating risks
  • Spearheaded the design and implementation of a Customer Onboarding, Sanctions, AML, and Fraud Program; ensuring regulatory requirements were met while prioritizing efficiency, automation and customer experience (UI/UX)
  • Implemented an AI-driven fraud tool for payments and KYC compliance, streamlining processes and bolstering fraud prevention measures
  • Partnered with financial institution to enhance compliance processes, resulting in improved operational efficiency and regulatory alignment
  • Enhanced profitability through the strategic implementation of differentiated segment pricing models and implementation of new products and services, driving revenue growth and customer loyalty
  • Oversaw the continuous improvement of Gig Wage customer relationships, resulting in enhanced client satisfaction and loyalty

VICE PRESIDENT OPERATIONS; BSA/AML OFFICER

FIRST MONTANA BANK
07.2018 - 06.2021
  • Served as the Bank Secrecy Act (BSA) Officer, responsible for coordinating the development, implementation, and oversight of our BSA Compliance Program (BSA, AML, OFAC, Patriot Act).
  • Enhanced compliance culture by developing and improving policies and procedures, resulting in elevated adherence to regulatory requirements and better cross-departmental communication on compliance practices
  • Oversaw the implementation of the Bank’s AML monitoring program, improving operational transparency and accountability and reducing losses
  • Managed branch operations employees, overseeing new account opening, daily branch operations, and monthly audit functions
  • Optimized operational efficiency and decreased costs by directing the implementation of outsourced managed ATM services
  • Managed the successful launch of a new branch, overseeing technology, facility, staffing, and marketing coordination as project manager

PRESIDENT, CFO, VP OPERATIONS

FIRST SECURITY BANK OF HELENA
03.2005 - 07.2017
  • Optimized operations and implemented strategic initiatives to enhance the bank’s market performance against larger competitors, resulting in measurable growth
  • Led needs assessment and spearheaded the implementation of a new cloud-based core processing system, enhancing operational efficiency
  • Drove improvements in processes and performance by revamping the bank’s financial infrastructure, leading to measurable results
  • Secured business continuity and growth through strategic capital sourcing and direction
  • Delivered executive-level leadership during transition to new management team, facilitating seamless integration
  • Managed regulatory filings, exams, and information requests to achieve full compliance with regulatory standards, streamlining the audit process

SENIOR FINANCIAL ANALYST

EDDIE BAUER CORPORATION
01.2004 - 03.2005
  • Utilized strategic planning expertise and financial acumen to drive business decisions
  • Implemented data-driven forecasting models to enhance predictability of demand and sales

PROJECT ANALYST

FEDERAL RESERVE BANK
07.2000 - 01.2004
  • Drove strategic business decisions by spearheading business case development, market research, and opportunity assessments, leading to successful implementation of projects
  • Managed branch communications for both the public and internal board of directors

Education

MBA -

Atkinson Graduate School of Management, Willamette University
Salem, OR
2000

Bachelor of Science - Finance Concentration

University of Montana
Missoula, MT
1998

Skills

  • Operations Management
  • Understanding financial regulations
  • Regulatory compliance oversight
  • Organizational strategy development
  • Relationship management
  • SQL and Excel integration
  • Risk mitigation strategies
  • Transaction processing
  • Project Management
  • Payment processing operations
  • Regulatory compliance management
  • KYC/KYB regulatory knowledge
  • BSA compliance expertise
  • FinTech Experience
  • Retail banking operations

Affiliations

Montana Independent Bankers Association President and Board Member

Certification

Certified BSA/AML Professional (CBAP) Certified by: ICBA

Timeline

OPERATIONS AND COMPLIANCE OFFICER

MBANQ
10.2022 - Current

COMPLIANCE MANAGER, OPERATIONS

GIG WAGE
06.2021 - 10.2022

VICE PRESIDENT OPERATIONS; BSA/AML OFFICER

FIRST MONTANA BANK
07.2018 - 06.2021

PRESIDENT, CFO, VP OPERATIONS

FIRST SECURITY BANK OF HELENA
03.2005 - 07.2017

SENIOR FINANCIAL ANALYST

EDDIE BAUER CORPORATION
01.2004 - 03.2005

PROJECT ANALYST

FEDERAL RESERVE BANK
07.2000 - 01.2004

MBA -

Atkinson Graduate School of Management, Willamette University

Bachelor of Science - Finance Concentration

University of Montana

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