Jonathan Jo
Charlotte,NC
Summary
Highly curious and self-motivated senior-level in both Operations and in Compliance with years of relevant experience in peer-to-peer (P2P) transactional analysis, customer due diligence, and methodology to identify patterns and trends to communicate risks. Demonstrated ability in adhering to policies, procedures, standards and regulations.
Overview
10
10
years of professional experience
Work History
Senior Financial Crimes Specialist, Senior AVP
Wells Fargo
07.2024 - Current
- Partnered with the numerous Lines of Businesses within Wells Fargo and Engineering colleagues to support the Global Sanctions Office (GSO) in its newly formed Data Quality Management Program.
- Designed rules pertaining to sanction screening to lower false positives from results gathered during data analysis.
- Engaged cross-functionally with Engineering, Product, Legal, and Finance teams to assess and mitigate gaps with data quality in adherence to rules and regulation.
- Trained and mentored colleagues to improve efficiency and effectiveness in the identification of potential data defects.
Senior Compliance Program Manager
Legend Trading
05.2023 - 06.2024
- Adhered to monitoring, testing, and reporting processes in order to generate quantitative and qualitative results to support changes to the account risk rating (ARR) and customer risk rating (CRR) models
- Gathered and monitored testing results for trends and escalated concerns to appropriate levels leadership
- Undertook KYC/AML reviews at enhanced due diligence levels as part of new client onboarding, for new and existing individual or institutional clients, making sound judgement calls in terms of escalation and risk mitigation
- Performed regular AML, bank verification and global sanctions monitoring/screening checks and oversight on existing clients within the system
- Oversaw end to end investigation on a range of cases triggered from KYC/CDD, politically exposed person (PEP) and OFAC/sanctions screening, adverse media, transaction monitoring, blockchain analytics, and 314(b) inquiries
- Addressed escalations from other teams including risk, engineering, or sales related to onboarding and other BSA/AML issues
- Kept up to date with changes to BSA/AML related laws, regulations, guidance, or regulatory expectations to help ensure that implementations remained in full compliance with its global regulatory obligations
Business Development Manager
Frontline Development
07.2021 - 04.2022
- Consulted with product development teams to enhance products based on customer interest data
- Applied consultative selling techniques to prospect senior management to close business
- Identified and pursued valuable business opportunities to generate new company revenue and improve bottom line profit
- Collected data and performed customer needs analysis
Compliance Officer
BitcoinPlug
01.2019 - 01.2021
- Maintained necessary licenses and registrations such as Money Transmission License and Registration of Money Service Business (FinCEN Form 107)
- Oversaw and upkept the implementation of Company's Customer Due Diligence (CDD) requirements, Enhanced Due Diligence (EDD), Customer Onboarding, Customer Identification Program (CIP), Customer Acceptance Policy (CAP), and monitoring of transactions
- Leveraged large data sets using queries to monitor trends in suspicious activity and to test the effectiveness of transaction monitoring systems
- Conducted and monitored investigations from potential bad actors involved in on-chain activity with the use of OSINT (Open Source Intelligence) such as Ciphertrace and Elliptic as well as aided in escalated cases
- Identified potential areas of compliance vulnerability and risk to develop and implement corrective action plans
- Reviewed KYC profiles to comply with company policies, including legal documents and photo ID's
- Assisted in identifying BSA/AML/OFAC compliance risk to ensure that proper procedures were in place to mitigate risk
Head of Operations
BitcoinPlug
12.2016 - 01.2021
- Trained staff on AML/KYC protocols as well as how to fill out Suspicious Activity Reports (SARs)
- Reviewed completed Suspicious Activity Reports (SARs) prior to filing
- Managed existing accounts worth $4 million in annual sales while acquiring new accounts and increasing annual cash flow
- Analyzed customer buying trends, market conditions and competitor actions to adjust strategies and achieve sales goals
- Orchestrated projects within strict timeframes and budget constraints by solving complex problems and working closely with senior leaders
- Increased savings by initiating and fostering relationships with vendors to communicate on problem-areas and work closely to resolve
- Managed all phases of projects from procurement to commission
- Recorded all project costs and expenses and aligned with project budget
- Worked with senior internal and external stakeholders of the project to provide status and resolve various day to day technical issues
- Developed project plans and managed project scope using methodologies(Agile, Waterfall, Kanban) to guide projects from conceptualization to implementation and maintenance
- Provided outstanding service to clients through effective communication in effort to promote future business opportunities
Operations Manager
BitcoinPlug
12.2015 - 12.2016
- Onboarded clients and performed Customer Due Diligence (CDD)
- Monitored transactions flagged under the suspicions of money laundering, terrorist financing, or sanctions violations
- Prepared Suspicious Activity Reports (SAR) in compliance with established regulatory guidelines and timeframes
- Restocked inventory to sustain par levels and produced quarterly inventory audits and calculated, updated and presented reports
- Implemented incident management responses, including troubleshooting, root cause analysis and issue resolution
- Devised processes to boost long-term business success and increase profit levels
Sales Development Representative
BitcoinPlug
06.2015 - 12.2015
- Directed customer leads to connections department for further assistance
- Built and managed accurate sales pipeline to maintain high volume of activity, including social selling, emails and outbound calls
- Collaborated with upper level management marketing and sales team to increase brand awareness and uncover new leads
- Forged and nurtured impactful relationships with customers to cultivate loyalty
Skills
- Tactical Planner
- Startup Experienced
- Effective leader
- Client & Vendor account management
- Deep understanding of blockchain technology
- Project planning and development
- Cross-Function Collaboration
- Self-starter
Timeline
Senior Financial Crimes Specialist, Senior AVP
Wells Fargo
07.2024 - Current
Senior Compliance Program Manager
Legend Trading
05.2023 - 06.2024
Business Development Manager
Frontline Development
07.2021 - 04.2022
Compliance Officer
BitcoinPlug
01.2019 - 01.2021
Head of Operations
BitcoinPlug
12.2016 - 01.2021
Operations Manager
BitcoinPlug
12.2015 - 12.2016
Sales Development Representative
BitcoinPlug
06.2015 - 12.2015
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