Judith Alves
Charlotte,NC
Summary
Motivated Compliance and Risk Management Professional with extensive experience in Domestic and Global Banking. Deep understanding of laws, Compliances processes and regulations including foreign law. Expertise on industry risk and compliance assessments, third party risk, outsourcing risk management, and testing.
Overview
18
18
years of professional experience
Work History
Senior Compliance Conduct Risk Conflict of Interest & Governance
Wells Fargo Corp
01.2025 - 11.2025
- Monitored activities for Conduct Risk Conflict of Interest Oversight and Governance Program, and implemented risk standards and processes to drive compliance with federal, state, agency, legal and regulatory, and Corporate COI & Ethics Policy requirements.
- Evaluated the effectiveness in the execution of Register of Interest and Potential Conflicts within the Corporate Risk, Wealth Management & Investment, CIB & CSBB and Public Affairs groups in the Americas, EMEA & UK, APAC regions.
- Monitored reporting, escalation, and timely remediation of issues, deficiencies, or regulatory matters, and conducted second-line compliance monitoring to assess the effectiveness of internal controls and the Compliance Management System as required by the Regulators.
- Oversight Front Line's programs executions and challenged on compliance decisions related to Conduct risk and Conflict of interest and Ethics.
- Evaluated New Business Initiatives and Targeted Reviews and completed the COI risk assessment with corrective actions to prevent Conflict of Interest potential risk.
- Evaluated the results of Corporate Risk Control Risk Assessment (RCSA), Major Compliance Requirements, and Control Risk Assessment to ensure the internal and external regulatory requirements are appropriately implemented.
- Provided subject matter expertise to business and functional areas.
- Collaborated with ad-hocks projects as needed.
Senior Compliance Conduct Risk – Wealth Investment & Management
Wells Fargo Corp
10.2023 - 01.2025
- Evaluated the effectiveness in the execution of the WIM Conduct Risk Allegations Management Program in compliance with corporate policy, federal, legal, and regulatory requirements of Americas, APAC, and EMEA Regions.
- Reviewed the risk-taking activities on Root Cause Analysis (RCA) and ensure Front Lines are providing the adequate details on corrective actions, and conducted an RCA Deep Drive review to identify emerging risk, trends, themes, to prevent potential risk to the Program.
- Monitored and Oversight reporting, escalation, and timely remediation of Customer Impact Program. Identified deficiencies or regulatory matters regarding to compliance risk management and challenged appropriately on compliance decisions.
- Leaded the review of risk events and controls to ensure the risk event description, risk type & level, and the controls related to the risk event are appropriately identify based on risk event.
- Coordinated the reviews of Conduct Risk Procedures and jobs aids, Initiated the Governance Process, Drafting red-lines for all documents publications, changes and recessions. Facilitated comprehensive review of the procedures.
Insider Threat Lead Operational Risk Officer
Wells Fargo Corp
08.2022 - 10.2023
- Evaluated the effectiveness in the execution of Insider Threat Program in compliance with corporate policy, federal, legal, and regulatory requirements (Domestic and International).
- Provided Independent Risk Management and monitoring of risk-taking activities on complex issues under Insider Threat Governance & Oversight Program.
- Analysed complex insider treat allegations and system changes to determine impact, identify operational risk issues and challenges, controls, and participate in the development of risk approach.
- Oversighted and Monitored Issue Management lifecycle of a portfolio of issues which have resulted due to risk exposure or control breakdown.
- Reviewed and Monitored Reports and Metrics for Corrective Actions, Root Cause, Trends, and Emerging Risk to determine the impact within COO, Conduct Management and Enterprise Functions.
- Evaluated, interpreted, and reviewed the effectiveness in the execution of the business-owned policies, procedures, processes, and controls and advise business leadership on any actions or changes that should be implemented.
Conduct Risk Senior Compliance – Customer Harm
Wells Fargo Corp
09.2019 - 08.2022
- Evaluated the effectiveness in the execution of Conduct Risk and Sales Practices program within Chief Operating Officer and Employee Relations for USA and International groups.
- Performed Independent Risk Management- 2nd line of defense that provide oversight of risk-taking activities under Conduct Risk Program and provide findings of the execution reports to appropriate channels and stakeholders.
- Validated the ongoing review of International Allegation Management Risk processes related to misconduct and ensure meet compliance requirements, laws, and regulations.
- Oversight business group's self-assurance reporting results within COO, HR Employee Relations, and Enterprise Functions, identify trends and recommend opportunities for process improvements and risk control development when necessary.
- Analysed and interpret multiples Risk Management Reports and Metrics for Ethics, Issues Management, Corrective Actions, Conflict of Interest, and Insider Threat Risk within COO and Enterprise Functions.
- Reviewed the business-owned procedures and training related to Conduct Risk Program and advise business leadership on any actions or changes that should be implemented.
Third Party Consumer Law Oversight Specialist
Wells Fargo Corp
04.2018 - 09.2019
- Evaluated policies, procedures, and processes to ensure Third Party are adhered to the regulatory requirements and Third-Party Risk Management Program.
- Performed enterprise-wide reviews, oversight, and on-site audits to domestic and international to Third Party Program.
- Maintained Third-Party Management risk regulatory requirements, evaluated the adherence to and foreign regulatory laws and policies, and identify issues and corrective actions.
- Worked the scope of Major Compliance Requirements and Controls in-light of changes with the internal and external regulatory requirements.
- Monitored the appropriate action when Third Party business activities exceed the risk tolerance and partnership with complex business units to provide compliance risk expertise for remediation.
Credit Risk Management Officer
USBank Corp
06.2015 - 04.2018
- Evaluated the overall risk factors and controls of the financial business and market information to determine the appropriate course of action in potential credit risk.
- Monitored the quality of operations for a Commercial and Wholesale assigned business line, communicated exam conclusions, and makes recommendations based on findings of Commercial bank portfolio exceeding $20MM.
- Built and managed financial models to predict risk exposure and identified solutions that minimize losses resulting of inadequate application of risk controls.
- Tested risk models and oversight preparation of risk assessment reports for Risk & Compliance Managers and Committees.
- Developed a business management processes for an efficient workflow/cycle time and implemented risk testing process in compliance with Risk Management Program.
Financial Risk Analyst-Global Administration
American Express
10.2007 - 06.2015
- Conducted in-depth regulatory compliance and credit risk analysis for Global Commercial Administration Unit, and validated policy, procedures, and foreign regulations.
- Implemented risk models, monitored operational activities, and recommend the appropriate changes to minimized risk exposure for EMEA, APAC & Americas regions.
- Trained employees in international credit risk analysis, created strategies that results in decreased of cycle time of review risk assessment from 30 days to 5 days.
- Created and implemented training decks in procedures and risk models for Global Administrations within the multiple's international regions.
- Completed the implementation of risk assessments calculators that results in the launched of risk models and risk management rating program for the Global region.
Education
Juris Doctor - Business Banking and Compliance Law
Santa Maria University
Caracas, VenezuelaSkills
- Leadership Skills
- Proficient in Regulations and Laws
- Problem Solving Skills
- Effective Time Management
- Ability to Work Under Pressure
- Multitasking Skills
- Adaptability
- Microsoft Office
Affiliations
- Member of Venezuelan Law Bar-Association
- Member of Latin American Chamber Arizona and North Carolina
- Board Member of the Alliance of Venezuelans in Charlotte, North Carolina
Languages
Spanish
Portuguese
Other Courses
- Consumer Financial Laws
- Banking Regulations and Assessment
- Risk Control Self-Assessment Analysis - RCSA
- Third Party Risk Management
- Global Regulatory Compliance
- CGala Leader as Coach
- OMEGA Business Lending Fundamentals
- OMEGA Commercial Loans
- MBA Tax Returns Analysis
- MBA Cash Flow Analyses
- Complaint Emerging Risk Program
- Control, Testing, Issues & Execution
- Foreclosure Oversight Operations
- Moody's Risk Management Capabilities
Personal Information
Title: Senior Compliance Officer - AVP
Awards
- Excellence Award, For the dedication of commercial credit risk capabilities.
- President Club Awards, Two consecutive years after driving to results for Latin-American market.
Timeline
Senior Compliance Conduct Risk Conflict of Interest & Governance
Wells Fargo Corp
01.2025 - 11.2025
Senior Compliance Conduct Risk – Wealth Investment & Management
Wells Fargo Corp
10.2023 - 01.2025
Insider Threat Lead Operational Risk Officer
Wells Fargo Corp
08.2022 - 10.2023
Conduct Risk Senior Compliance – Customer Harm
Wells Fargo Corp
09.2019 - 08.2022
Third Party Consumer Law Oversight Specialist
Wells Fargo Corp
04.2018 - 09.2019
Credit Risk Management Officer
USBank Corp
06.2015 - 04.2018
Financial Risk Analyst-Global Administration
American Express
10.2007 - 06.2015
Juris Doctor - Business Banking and Compliance Law
Santa Maria University