Juan "Carlos Bowyer
Brooklyn,US
Summary
Compliance Officer (FINRA Series 7, 24, 63, 66) and Full Stack Engineer with over 6 years of experience in trade surveillance, regulatory oversight, and operational risk management. Deep knowledge of SEC, FINRA, and AML requirements, with hands-on experience identifying market abuse techniques across multiple asset classes. Strong background in WSP development, regulatory exams, SAR reporting, and supervisory reviews. Leverages full-stack engineering expertise to automate compliance procedures, streamline surveillance workflows, and strengthen internal controls in fast-paced, highly regulated environments.
Overview
8
8
years of professional experience
Work History
Investing Compliance Associate Contractor
Cash App
New York City, US
07.2025 - 12.2025
- Acted as a registered principal for a blockchain and securities broker-dealer focused on financial innovation and digital assets.
- Performed daily trade surveillance using Surveyor software, monitoring for potential market manipulation and other regulatory red flags.
- Supervised customer and internal communications to ensure compliance with FINRA, SEC rules, and firm policies.
- Monitored and tested electronic records archiving systems to ensure compliance with SEC record-keeping requirements.
- Drafted and updated internal compliance procedures, policies, and documentation across teams.
- Supported audit readiness, regulatory projects, and cross-functional compliance initiatives firmwide.
- Ensured adherence to investment regulations, mitigating compliance risks and enhancing trust with stakeholders through rigorous audits.
- Managed end-to-end employee registration and licensing across FINRA and NFA, including drafting and submitting Forms U4, U5, BR, NRF, 8R, and 8T, coordinating exams and jurisdictional registrations, and ensuring timely compliance for securities, swaps, and futures activities.
Principal Compliance Officer
tZero Securities LLC
Jersey City, US
11.2024 - 04.2025
- Directed daily market-abuse surveillance across equities and alternative trading system (ATS) securities, investigating insider trading, spoofing, layering, wash sales, and marking the close alerts.
- Managed FINRA 3120/3130 certifications, responded to 8210 requests, and prepared materials for SEC exams.
- Filed and drafted Suspicious Activity Reports in coordination with the AML Officer when trading patterns warranted escalation.
- Authored and updated written supervisory procedures covering trading, AML, advertising, and social-media communications; trained front-office staff on changes.
- Partnered with trading, technology, and risk teams to automate blue-sheet reporting and enhance exception monitoring, cutting false-positive alerts by 30 percent.
- Supported strategic initiatives across Private Wealth, Technology, Operations, and Compliance to enhance platform efficiency and client experience.
- Acted as a liaison between business users and technical teams, gathering requirements, and helping translate them into actionable system updates.
- Identified workflow bottlenecks and contributed to change management efforts, supporting firmwide digital transformation in a highly regulated environment.
- Conducted thorough assessments of existing processes, identifying key areas for improvement that led to measurable enhancements in platform functionality.
- A blockchain-driven broker-dealer focused on financial innovation and tokenized securities.
- Managed end-to-end employee registration and licensing across FINRA and NFA, including drafting and submitting Forms U4, U5, BR, NRF, 8R, and 8T, coordinating exams and jurisdictional registrations, and ensuring timely compliance for securities, swaps, and futures activities.
Business Objectives Associate Contractor
Neuberger Berman
New York, New York
09.2024 - 11.2024
- Supported strategic initiatives across Private Wealth, Technology, Operations, and Compliance to enhance platform efficiency and client experience.
- Acted as a liaison between business users and technical teams, gathering requirements, and helping translate them into actionable system updates.
- Identified workflow bottlenecks and contributed to change management efforts, supporting firmwide digital transformation in a highly regulated environment.
- Conducted thorough assessments of existing processes, identifying key areas for improvement that led to measurable enhancements in platform functionality.
Execution Services Senior Trade/Compliance Analyst
Fidelity Digital Assets
Salt Lake City, US
05.2022 - 04.2024
- Monitored and investigated trade breaks and exceptions across custodians, exchanges, and internal systems to ensure timely settlement and reduce operational risk.
- Led trade surveillance efforts across equities and digital assets, reviewing alerts for insider trading, spoofing, layering, frontrunning, and wash trades using third-party compliance tools.
- Tuned alert logic and partnered with compliance leads to escalate potential manipulation cases and document findings for internal reviews and regulatory response.
- Collaborated cross-functionally with trading, technology, and compliance teams to enhance platform workflows, improve exception handling, and reduce false-positive alerts.
- Delivered onboarding compliance training to new employees and supported annual certifications, focusing on the firm's Code of Ethics, gifts, entertainment, and outside business activities (OBAs).
- Supported initiatives around CAT reporting, AML red-flag detection, cybersecurity protocols, and Reg BI adherence.
- Used Tableau and internal tools to analyze exception trends, helping inform improvements to risk monitoring and client-facing operations.
Managed Accounts Senior Support Specialist
Fidelity Investments
Salt Lake City, US
03.2021 - 05.2022
- Supported portfolio advisory services by monitoring high-net-worth managed accounts for compliance with internal investment guidelines, and regulatory requirements.
- Collaborated with Portfolio Specialists and Financial Advisors to resolve account-level exceptions related to asset drift, trading restrictions, and balance violations.
- Conducted daily trade reviews to prevent improper activity, escalating any findings to compliance or operations when needed.
- Served as a key point of contact between client-facing teams and support functions to ensure accurate and timely resolution of account issues.
- Recognized with a quarterly Best Employee award for exceptional performance in trade support and portfolio monitoring.
- Appointed Culture Team Lead, driving team engagement, and coordinating morale-building initiatives across the advisory operations group.
- Delivered high-touch investment support to clients with $250K to $1M in assets, handling complex trade requests across equities, mutual funds, fixed income, options, and OTC products.
- Maintained strict adherence to regulatory standards and internal controls, ensuring compliant trade execution, and proper handling of time-sensitive transactions.
- Flagged unusual trading behavior and collaborated with internal surveillance and compliance teams to support the early detection of excessive trading or potential manipulation.
- Educated clients on trade restrictions, margin requirements, and product suitability in line with FINRA regulations and firm policy.
- Consistently ranked as a top performer for client satisfaction and quality assurance across the service and trading desks.
High Net Worth Representative
Fidelity Investments
Salt Lake City, US
05.2019 - 03.2021
- Delivered high-touch investment support to clients with $250K–$1M in assets, handling complex trade requests across equities, mutual funds, fixed income, options, and OTC products.
- Maintained strict adherence to regulatory standards and internal controls, ensuring compliant trade execution and proper handling of time-sensitive transactions.
- Flagged unusual trading behavior and collaborated with internal surveillance and compliance teams to support early detection of excessive trading or potential manipulation.
- Educated clients on trade restrictions, margin requirements, and product suitability in line with FINRA regulations and firm policy.
- Consistently ranked as a top performer for client satisfaction and quality assurance across the service and trading desks
Tier II Fraud Analyst
Concentrix
Taylorsville, US
08.2017 - 03.2018
- Investigated high-risk account openings and suspicious applications by verifying customer identities and supporting documents using tools like LexisNexis.
- Designed and deployed escalation protocols for Tier I analysts, improving fraud detection accuracy and reducing false positives.
- Supported the launch of Spectrum Mobile’s East Coast fraud prevention unit, contributing to the development of SOPs and escalation workflows.
Education
Certificate - Software Engineering
Cheggskills
New York City02.2025
Financial Planning -
University of Utah
Salt Lake City07.2022
Skills
- API Development
- Scalability
- Security
- JavaScript
- Testing
- Team leadership
- Anti-money laundering
- Process improvement
- Cross-functional collaboration
- Data analysis
- Regulatory reporting
- Compliance management
- Software development
- Database management
- Report preparation
- Compliance monitoring
- Know your customer
- Financial crime prevention
- Multitasking capacity
- Document examination
- SOP development
- Project management
- Regulatory compliance
- Frontend Development
- Backend Development
- Nodejs
- Expressjs
- PostgreSQL
- Strategic Planning
- Account Management
- Customer Success
- Leadership
- Financial Compliance
- Risk Management
- FINRA Regulations
- Trade Analysis
Languages
English
Native/ Bilingual
Spanish
Native/ Bilingual
Timeline
Investing Compliance Associate Contractor
Cash App
07.2025 - 12.2025
Principal Compliance Officer
tZero Securities LLC
11.2024 - 04.2025
Business Objectives Associate Contractor
Neuberger Berman
09.2024 - 11.2024
Execution Services Senior Trade/Compliance Analyst
Fidelity Digital Assets
05.2022 - 04.2024
Managed Accounts Senior Support Specialist
Fidelity Investments
03.2021 - 05.2022
High Net Worth Representative
Fidelity Investments
05.2019 - 03.2021
Tier II Fraud Analyst
Concentrix
08.2017 - 03.2018
Certificate - Software Engineering
Cheggskills
Financial Planning -
University of Utah