Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic

Cristina Mullen

Jacksonville,FL

Summary

Detail-oriented Compliance Manager with 20 years of expertise in fraud, AML, risk management, policy development, and strategic planning. Demonstrated advanced knowledge of regulatory compliance, successfully partnering with executives and business leaders to identify vulnerabilities and implement corrective actions. Collaborative and team-oriented, with exceptional communication and interpersonal skills to foster strategic partnerships and enhance company reputation. Conducted comprehensive analyses on various fintech companies. Quality-driven and hardworking, adept at spotting issues, developing resolutions, and implementing effective corrective actions.

Overview

10
10
years of professional experience
1
1
Certification

Work History

Project Manager Risk/Compliance (META)

Genpact (Meta)
03.2022 - 12.2024
  • Managing a Team of 16
  • Payments Compliance Legal Team), Provide solution delivery for client's Third-Party Risk Management (TPRM) program
  • Support, manage and review deliverables from team members supporting the execution of a project
  • Conduct final Quality Assurance (QA) before releasing outputs to clients
  • Screening - Conduct deep searches on public sources, keywords, and strings searches to eliminate and resolve inconclusive and complex alerts
  • Conduct global & final review of third-party responses on risk areas like ABAC, Sanctions, Human Rights, Financial, etc
  • And provide final risk rating from a compliance perspective
  • Provide holistic risk view of the third parties
  • Helped develop mitigation action plan for high-risk cases
  • Enhance quality and efficiency of recommended risk solutions by applying relevant frameworks, conducting research, and performing analysis
  • Provide domain knowledge support on Sanctions, ABAC, AML, etc
  • Including regulatory updates, key findings, etc
  • Hold governance calls with the client and senior stakeholders with set agenda and action plans for delivery
  • Handle client escalations, volumes spikes, priority requests, etc
  • Manage team expectations and issues
  • Ensure adherence to SLAs/KPIs
  • Supported robust program management approach to client delivery
  • Developing long-term relationships across a network of existing and potential clients, understanding their businesses to provide tailored insights
  • Lead and co-ordinate the completion of due diligence and other compliance questionnaires received from Depositaries and other third parties
  • Actively participate in project meetings and build agreement amongst diverse groups
  • Proactively identify process/service improvement opportunities/efficiencies and make decisions or recommendations on the best course of action for new processes or procedures
  • Additionally, support in solution Bring in subject matter expertise to create/refine existing service offerings including delivery model, commercial model, and technology solution
  • Oversee the effective handling of any complaints and errors in accordance with policy and regulatory requirements; take overall responsibility for the maintenance of key registers including the compliance breaches register, conflicts of interest

AML/BSA Supervisor

U.S. Bank / Elevon
06.2020 - 03.2022
  • Conducting reviews of all money laundering related subpoenas received by the bank and generate appropriate alerts for further AML investigation; reviews and analyze Investigative Referral Forms regarding potential money laundering or terrorist financing activity and generates appropriate alerts for further AML investigation
  • To detect and prevent market abuse, insider trading, and other illicit activities
  • Trade surveillance is essential for maintaining market integrity and ensuring compliance with regulatory requirements
  • To identify any suspicious or unauthorized activities
  • Financial regulators, exchanges, and financial institutions employ trade surveillance systems to monitor and enforce compliance with trading regulations and to detect any potential market manipulation or abuse
  • Maintaining fair and orderly markets, protecting investors, and upholding the overall integrity of the financial system
  • It helps to identify irregularities, unusual trading behaviors, and potential violations of trading rules, allowing for timely intervention and enforcement actions when necessary
  • Onboarding new clients, retaining clients, and reviewing documentation for continuation of business
  • Prepare and submit form filings, Commercial lines programs, Lender Placed Insurance and Credit Insurance for old & new businesses within Risk/Compliance
  • Identify risks that could cause issues by cyber-attacks/internal vulnerabilities
  • Work cooperatively with business lines to establish procedures for identifying suspicious customer transactions, specific to money laundering or terrorist financing, including the proper method for reporting such activity to the Anti-Money-Laundering Investigations group
  • Ensure policies and procedures in respect of data protection are up to date and continuously reviewed and enhanced
  • Working within SLA and making sure team is within SLA
  • Assisting in implementation of AML/BSA detection and prevention methods, which may include the creation of instruction manuals and training
  • Actively ensuring compliance with the U.S Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies, and procedures
  • Ensuring proper record-keeping of the data collected and analyzed
  • Experience in retail credit and/payments
  • Understanding of Consumer Protection Code
  • Monitoring the financial markets and the trends in the field of international wealth management
  • Review of contracts/documents within AML Regulations in Ireland and other jurisdictions such as Channel Islands, Luxembourg & Cayman
  • Responsible for managing the execution and sign off of all due diligence reviews for the Corporate Banking Portfolio
  • Responsible for the reviewing of currency transactions and suspicious activity in accordance to the Bank Secrecy Act
  • Based on the outcome of the investigation, analyze and determine whether a Suspicious Activity Report (SARs) must be filed with the Federal Government for any identified suspicious activity
  • Provide training and coaching for team
  • Interviewing and providing monthly one on ones

Passcom (Deutsche Bank)
01.2020 - 06.2020
  • Transaction monitoring of assigned accounts to assess potential suspicious activity on the account, such as money laundering
  • Responsible for keeping track of Brazilian markets for business within the bank
  • Identify data anomalies as they relate to AML initiatives, AML/BSA regulations, and industry best practices for AML/BSA analysis
  • Assist other members of the Compliance Unit, data management efforts, and other company employees to maintain and implement the most effective means of meeting the company's AML and other transaction analysis and reporting requirements
  • KYC practices
  • To seek public information (on internet, subscription databases etc.) to complete or update the KYC files
  • Complete or update any required non-public information
  • To complete the search of all names for adverse information
  • To ensure the global quality of the KYC files according to the compliance rules
  • To carefully and pro-actively follow-up his/her own files
  • Work effectively with multiple complex data sources and technical analytical tools/resources
  • Work and contribute in a team-oriented and collaborative environment to improve the analytical and reporting processes

Team Manager

Genpact
06.2018 - 06.2019
  • Oversee a team of 15 within the Social Media Content Review Business Unit
  • Responsible for several initiatives to ensure a successful team accuracy of 80% and higher
  • Coach and motivate to drive towards exceeding analytical metrics
  • Supervises and manages the performance, development, work quality, and activities of analysts to Senior leadership
  • Effectively recognizes potential growth opportunities in all individuals being trained so that the organization may always benefit from the best and the brightest within its ranks, making recommendations for additional training or promotions for such individuals as appropriate
  • Respond to and resolve employee related issues
  • Responsible for assessment, problem solving, practices/policy administration/interpretation
  • Collaborated in training, launch and reporting of client's latest project with over 2 million users
  • Oversees all management-related issues, including human resources, hiring/training/mentoring team members, conducting performance reviews

AML/Compliance Risk Senior Trainer

HSBC Bank
01.2015 - 07.2015
  • Company Overview: HSBC Global/Redcliff Training, London/Dublin
  • Anti-money laundering/Counter Terrorism Policy and Procedure Senior Trainer (Contract)
  • Training of AML compliance by stressing reputational risks to HSBC arising out of money laundering, terrorist financing activities and/or the violation of economic sanctions
  • Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies, according to local & international regulations
  • HSBC Global/Redcliff Training, London/Dublin

Education

Diploma - Fintech Risk & Compliance

Technological University Dublin
Dublin, Ireland
12-2024

Skills

  • Compliance Framework Design
  • Risk Management Proficiency
  • KYC and KYB Compliance
  • Fraud Trend Analysis
  • Payment Solutions Management
  • FircoSoft /LexisNexis
  • Compliance Transaction Review
  • Regulatory Reporting & Analysis / Risk Assessment
  • Policy Development & Implementation
  • Risk Assessment Audits
  • Leadership in Cross-Functional Teams
  • Stakeholder Communication
  • Training & Awareness Programs
  • Data Analysis & Reporting Tools as Actimize, Tableau, Nice, Microsoft, Log analysis
  • Knowledge of SAR Reporting, AML, Transaction Monitoring, Risk Based Approach, data Protection,
  • Anti-Terrorism/Force Protection
  • Risk Analysis
  • AML
  • Process Unity (PU)
  • Financial Compliance
  • FATF, The Bank Secrecy Act, European Union’s AML Directives, & Payment Card Industry Data Security Standard (PCI DSS)
  • Team Coaching
  • Financial Statement Analysis
  • Reporting Forms FFIEC 041, FR Y-9C, FFIEC 009

Certification

International Compliance Association

Languages

English
Native or Bilingual
Portuguese
Native or Bilingual
Spanish
Full Professional

Timeline

Project Manager Risk/Compliance (META)

Genpact (Meta)
03.2022 - 12.2024

AML/BSA Supervisor

U.S. Bank / Elevon
06.2020 - 03.2022

Passcom (Deutsche Bank)
01.2020 - 06.2020

Team Manager

Genpact
06.2018 - 06.2019

AML/Compliance Risk Senior Trainer

HSBC Bank
01.2015 - 07.2015

Diploma - Fintech Risk & Compliance

Technological University Dublin

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Cristina Mullen