Denise Whiting
USA
Summary
Certified financial crimes compliance specialist with a results-oriented approach and a proven track record of success in fast-paced and complex environments. Demonstrates strong strategic planning, communication, analytical, process improvement, and problem-solving skills. Excels as an ambitious teammate, forming strategic alliances with organizational leaders to effectively execute and support key business initiatives and objectives. Brings broad experience in managing remediation, expectations, and communications with regulatory agencies in the financial institution sector.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Director – BSA AML Compliance Officer
Transamerica Financial Advisors
04.2022 - Current
- Effectively coordinate and execute the AML Compliance Program using current FinCEN, SEC and FINRA requirements, industry best practices, and regulatory guidance.
- Maintain an effective AML surveillance reporting program to identify and detect suspicious transactions and report them accordingly.
- Oversight into AML training program for all associates.
- Responsible for effective economic sanction monitoring program to include OFAC and other watchlists.
- Perform annual risk assessments related to customers, products, services, and geographies that may present AML risks.
- Provide strategic direction related to monitoring and analysis trends, patterns, and external factors impacting the firm’s financial crime risk.
- Evaluate employee performance objectively using established metrics, leading to fair compensation adjustments based on meritocracy principles.
- Strengthened internal controls by reviewing existing policies and procedures, ensuring compliance with regulatory requirements.
Financial Crimes Senior Associate – Financial Crimes Risk Management Governance
Wells Fargo Corporation
01.2018 - 04.2022
- Financial Crimes Risk Management (FCRM) lead for the Wealth and Investment Management (WIM) and Enterprise Functions (EF) lines of business.
- Responsible for the development of target state for front line Risk Control Self-Assessments (RCSA) to include risk oversight in response to regulatory findings and remediation activities.
- Partner with Operational Risk Management to lead the RCSA analysis of key risk indicators, impacts and considerations of the organization’s strategic planning and priorities.
- Review, challenge and mitigate regulatory issues, corrective actions, metric development, control effectiveness and risk reporting aligned to Wells Fargo’s BSA/AML processes.
Senior Vice President – Anti-Money Laundering Executive
Branch Banking & Trust Company
01.2016 - 01.2018
- .Responsible for overseeing enterprise change, and enterprise data management related to BSA/AML regulatory requirements.
- Oversight of enterprise BSA/AML architecture and infrastructure.
- Managed teams accountable for documenting and executing BSA/AML compliance processes and programs that encompassed an inventory of global laws & regulations, control frameworks, compliance risk assessments, policy management and monitoring & testing of regulatory requirements.
- Responsible for enterprise BSA/AML compliance oversight of 26 regional offices to ensure compliance with existing laws and regulations.
- Oversight of AML governance, policies and procedures, monitoring, reporting, communication, and training education.
Senior Manager – BSA / AML Compliance Consultant
Dixon Hughes Goodman, LLP
01.2014 - 01.2016
- Provided financial institution clients with BSA/AML governance program oversight with day-to-day operations.
- Assisted clients with the management of internal audits for BSA/AML; aligning each to their respective components for BSA/AML governance
- Project management leadership on identifying controls and processes required for an effective AML program
- Designed and implemented BSA/AML training to financial institution clients
- Liaison and coordinator for client interactions with regulators to ensure key deliverables and requested items were addressed in a timely and efficient manner
Vice President – BSA AML Compliance Manager
Citibank
01.2012 - 01.2014
- Specifically reviewed compliance for Enhance Due Diligence (EDD)
- Team lead on the design and implementation of quality control for EDD reviews
- Collaborated with senior management to develop strategic initiatives and long term goals related to BSA/AML compliance.
Senior Auditor – FFIEC BSA Compliance
Ally Financial
01.2010 - 01.2012
- Lead and conducted audits for BSA/AML controls and processes related to the newly formed bank holding company
- Ensured various lines of business maintained robust BSA/AML policies and procedures, as well as counterterrorism financing and economic sanctions programs that aligned with regulatory requirements
Vice President – Anti-Money Laundering Special Investigations
Bank of America Corporation
01.2007 - 01.2010
- Conducted complex money laundering investigations related to the financing of terrorist activity and organizations.
- Team lead on highly sensitive and critical financial crimes investigations.
- Designed and implemented training related to BSA and counterterrorism investigations.
Education
Bachelor of Science - Criminal Justice Concentration
Gardner Webb University
Skills
- Anti-Money Laundering (AML) & Bank Secrecy Act (BSA) Compliance
- Counterterrorism Financing
- Anti-Bribery & Corruption
- Economic Sanctions
- Financial Crimes Compliance Risk Reporting & Metrics
- Relationship Building & Collaboration
- Global Regulatory Compliance
- Employee Training & Development
- Risk Reduction & Mitigation
- Prioritization & Multitasking Expertise
- Process Efficiency & Improvement
- Risk Control Self-Assessment
Certification
- Certified Anti-Money Laundering Specialist
- Certified AML Fraud Professional
- Six Sigma Lean Certified
- US Patent #20110087495: Suspicious Entity Investigation & Related Monitoring in a Business Environment
Timeline
Director – BSA AML Compliance Officer
Transamerica Financial Advisors
04.2022 - Current
Financial Crimes Senior Associate – Financial Crimes Risk Management Governance
Wells Fargo Corporation
01.2018 - 04.2022
Senior Vice President – Anti-Money Laundering Executive
Branch Banking & Trust Company
01.2016 - 01.2018
Senior Manager – BSA / AML Compliance Consultant
Dixon Hughes Goodman, LLP
01.2014 - 01.2016
Vice President – BSA AML Compliance Manager
Citibank
01.2012 - 01.2014
Senior Auditor – FFIEC BSA Compliance
Ally Financial
01.2010 - 01.2012
Vice President – Anti-Money Laundering Special Investigations
Bank of America Corporation
01.2007 - 01.2010
- Certified Anti-Money Laundering Specialist
- Certified AML Fraud Professional
- Six Sigma Lean Certified
- US Patent #20110087495: Suspicious Entity Investigation & Related Monitoring in a Business Environment
Bachelor of Science - Criminal Justice Concentration
Gardner Webb University
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