Jennifer Bonilla
Buffalo
Summary
Dynamic compliance leader with extensive experience at Ernst and Young, specializing in regulatory compliance and policy development. Proven track record in enhancing compliance frameworks and managing risk, while fostering cross-functional collaboration. Adept at delivering strategic solutions that align with regulatory standards, ensuring organizational integrity and operational excellence.
Overview
13
13
years of professional experience
Work History
Senior Consultant
Ernst and Young
Buffalo
02.2022 - 11.2025
- Partnered with cross-functional teams within the Regulatory Compliance & Conduct Practice to deliver impactful compliance solutions.
- Advised high-growth clients and industry participants in banking and financial services on financial and regulatory matters.
- Lead initiatives to enhance compliance frameworks, ensuring alignment with heightened regulatory standards and best practices.
- Built and sustained productive client relationships through strategic problem-solving, collaboration, and dedication to exceptional service delivery.
Director of Compliance
VP Compliance Services
Buffalo
01.2020 - 01.2022
- Developed and implemented comprehensive Compliance Management Systems.
- Established Compliance Review Committees and delivered monthly and quarterly compliance reports to the Compliance Board.
- Oversaw all aspects of the Compliance Program, including monitoring, oversight, customer complaints, and staff training.
- Managed regulatory compliance for consumer and lending operations, including adherence to Reg. Z (TILA), Reg. B (ECOA), Reg. E (EFTA), Reg. V (FCRA), FDCPA, GLBA, and UDAAP.
- Ensured organizational compliance with federal, state, and tribal regulations.
- Provided staff with expert regulatory guidance and interpretations of applicable laws and standards.
- Designed and implemented policies and procedures governing compliance, audits, and training programs.
Senior Compliance Auditor
VP Compliance Services
Buffalo
03.2017 - 01.2020
- Conducted compliance gap analyses, internal process audits, and regulatory reviews—both remotely and onsite—to identify potential risks.
- Managed regulatory compliance risk across business operations.
- Led end-to-end compliance reviews, including scoping, sampling, data analysis, testing, and research.
- Delivered written recommendations to senior management to strengthen clients’ Compliance Management Programs and ensure regulatory adherence.
- Maintained audit and compliance calendars to ensure timely completion of scheduled audits and follow-up actions.
- Trained and supervised employees in all aspects of audit execution and compliance review procedures.
BSA Compliance Analyst II
M&T Bank
Buffalo
08.2015 - 02.2017
- Performed duties in compliance with AML, BSA, and OFAC regulations to ensure adherence to all applicable laws and standards.
- Researched and analyzed high-risk customers and transactions to identify potential compliance concerns.
- Investigated suspicious activity related to potential money laundering and terrorist financing.
- Prepared detailed reports documenting findings from customer transaction analyses.
- Identified and escalated red flags to senior management and presented cases for potential Suspicious Activity Report (SAR) filings.
Indirect Lending Credit Assistant
First Niagara Bank
Amherst
07.2012 - 08.2015
- Processed and discounted retail sales contracts with accuracy and efficiency.
- Resolved dealer and customer inquiries through effective analytical problem-solving.
- Performed quality control reviews of loan documents to ensure compliance with regulatory and banking requirements.
- Supported credit analysts by verifying that all stipulations were met prior to loan approval.
Education
Bachelor of the Arts - Economics
The State University of New York College at Buffalo
05.2012
Skills
- Compliance frameworks
- Regulatory analysis
- Policy development
- Risk management
- Audit processes
- Compliance strategies
- Cross-functional collaboration
- Attention to detail
Timeline
Senior Consultant
Ernst and Young
02.2022 - 11.2025
Director of Compliance
VP Compliance Services
01.2020 - 01.2022
Senior Compliance Auditor
VP Compliance Services
03.2017 - 01.2020
BSA Compliance Analyst II
M&T Bank
08.2015 - 02.2017
Indirect Lending Credit Assistant
First Niagara Bank
07.2012 - 08.2015
Bachelor of the Arts - Economics
The State University of New York College at Buffalo