Josh Lanouette, CAMS, CFE
Summary
Experienced financial crimes and bank compliance executive with 15 years of proven leadership in fraud, AML, and compliance. Successfully established a $3B bank's fraud and AML function, led investigations, performed risk assessments, and implemented comprehensive compliance solutions for major financial institutions. Skilled in managing small-scale investigation teams as well as large, globally dispersed teams.
Overview
13
13
years of professional experience
1
1
Certification
Work History
VP, Head of Financial Crimes
Northern Bank & Trust Company
06.2022 - 10.2024
- Established a successful first-line financial crimes department responsible for AML/CFT compliance, suspicious activity monitoring, sanctions alert investigations, and SAR preparation
- Led the onboarding, control framework development, and monitoring of Ukraine-/Russia-related OFAC sanctioned accounts
- Point of contact for the BSA/AML portion of the FDIC's annual Safety and Soundness Exam which resulted in two consecutive exams with no findings
- Maintained ownership over policies and procedures in accordance with federal banking regulations and principal regulator guidance
Director of Business Process Transformation
Northern Bank & Trust Company
04.2021 - 06.2022
- Spearheaded initiatives with retail banking, cash management, contact center, and operations departments to improve processes and procedures
- Defined and documented the bank's CIP program and required KYC documentation for all customer types
- Redesigned a cannabis banking program in accordance with FinCEN guidance that led to account opening occurring in 24 hours
Senior Manager, Forensic & Integrity Services
Ernst & Young, LLP
07.2011 - 04.2021
- Partnered with clients and legal counsel to perform large scale investigations, resolve disputes, and enhance compliance programs
- Assisted regional and multinational banks in responding to enforcement actions from the CFPB, OCC, FRB, and FDIC
- Successfully presented final reports and findings to boards of directors, legal counsel, and regulators
Education
BBA - Accounting
University of Massachusetts
Amherst, MA05-2011
Skills
- Team management
- Investigations
- BSA/AML compliance
- Corporate governance
- Cross-team collaboration
Certification
Certified Anti-Money Laundering Specialist - Association of Certified Anti-Money Launderers | May 2023
Certified Fraud Examiner - Association of Certified Fraud Examiners | February 2013
Timeline
VP, Head of Financial Crimes
Northern Bank & Trust Company
06.2022 - 10.2024
Director of Business Process Transformation
Northern Bank & Trust Company
04.2021 - 06.2022
Senior Manager, Forensic & Integrity Services
Ernst & Young, LLP
07.2011 - 04.2021
BBA - Accounting
University of Massachusetts
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