ARLEY J. HOLTROP

• Risk & Compliance - Chief of Compliance, Chief BSA/AML Officer, FinTech Start-up, Chief of Compliance, Chief Risk Officer, BSA/AML Officer, Exam Management, International/Global
• Compliance Framework and Leadership, Third-Party Risk Oversight, Policy Management, Compliance Training
• Privacy Oversight, Data Automation Management, Marketing and Advertising Oversight
• Launched Bank Partnership through building total Compliance Management System, Risk Management and Governance framework
• Lead highly successful design, build, and implementation of Enterprise Risk Management and CMS framework with limited resource and budget through automation, tools, and formalization of compliance framework
• Successfully lead organization through 5 Federal and Bank Exams in 6 months with no high-risk findings or issues
• Built Culture of Compliance, increasing compliance knowledge and education throughout organization through formal, informal, direct, and indirect channels including implementation of more than fi y formal Compliance Policies
• Head of Governance, Risk & Compliance - Chief of Compliance, Chief BSA/AML Officer

• Compliance, Risk and Audit, Head of GRC, BSA/AML Officer, FinTech Start-up, B2B2C, Compliance, Risk
• Privacy, Policy Management, Audit, Licensing, Head of US Security and Privacy, International Relationship Management
• Third-Party Risk Oversight, Board of Directors Advisory and Reporting, Project, Issue and Change Management
• Head of Governance, Risk, and Compliance, Chief Compliance Officer, and BSA/AML Officer, responsible for overseeing all governance functions, mi ga ng risk, and ensuring compliance with state and federal regulatory commitments and requirements
• Built and implemented compliance, risk and governance framework leading to organizational transformation and risk mi ga on balancing business growth and strategy, resulting in 70% reduction in compliance-related incidents within first year.

Chief Compliance Officer (CCO), Compliance Advisory, Risk Assessment, Internal Audit Examiner, Federal Regulatory Audit Lead, Executive Leadership, Strategic Business Transformation, Executive Reporting, BSA/AML Officer, International Relationship Management and Leadership, Board of Directors Advisory and Reporting, Project and Change Management, Strategic Program Design and Build, External Examiner and Regulator Relationship Management

• Executive Leader for global staff of 250+ for $1 trillion Home Lending portfolio.
• Developed, designed, and implemented sustainable and standardized methodologies for Internal Audit, 2nd Line (2LOD) Compliance including Testing and Monitoring, in alignment with COSO model.
  Development and design of methodologies and standards for testing, monitoring, and validation of design and effectiveness of controls, resulting in major risk mitigation efforts and reducing sanctions of over $10 million.
• Reversed trending of compliance issues, findings, and issues through strategic assessment of controls, testing, monitoring, and validation utilizing data-driven reporting and analysis.
• Collaborate with system developers, engineers, and architects to formalize security and privacy by design standard and process for system configurations and implementations.
• Reviewed and assessed architecture diagrams and provided technical analysis and input regarding security and privacy risks and mitigation strategy through control requirements.
• Chaired cross-functional governance committee of senior leaders and compliance subject-matter experts for 2LOD Compliance.
• Ushered in digital era that accelerated Wells Fargo Mortgage reach and competitive advantage through automation, data and project implementation reducing staffing and time cost.