Julie Benning
Orchard Park,New York
Summary
Business professional with comprehensive background in assessing and managing business risks, ensuring compliance and operational efficiency. Track record of developing strategies that mitigate potential threats and enhance business continuity. Known for strong team collaboration, adaptability, and focus on achieving measurable results.
Overview
11
11
years of professional experience
Work History
Commercial Business Risk Analyst
M&T Bank
Buffalo, New York
07.2023 - 02.2026
- Execute highly complex testing assignments independently with little managerial involvement.
- Develop work papers and deliverables with minimal oversight for accuracy and productivity.
- Ensure timely escalation and follow-up with control partners, business risk partners, lines of business, managers, and teammates.
- Complete administrative tasks, including updating workflow tracking tools and saving supporting artifacts, with minimal supervision.
- Adapt quickly to organizational, structural, and procedural changes within the line of business.
- Communicate effectively in both written and verbal formats with stakeholders across multiple teams.
- Organize and structure workflows to simplify complex tasks and improve efficiency.
- Prioritize tasks effectively to meet deadlines and business objectives.
- Apply professional skepticism and sound judgment in risk-related decisions.
- Demonstrate strong critical thinking skills requiring minimal managerial guidance.
- Build and maintain business relationships to secure information and testing materials for assignments.
- Provide leadership support and guidance to team members as needed.
- Analyzed business risks to identify potential vulnerabilities and recommend mitigation strategies.
- Developed risk assessment reports to support decision-making processes across departments.
- Collaborated with cross-functional teams to implement risk management frameworks and policies.
- Monitored regulatory compliance and ensured adherence to industry standards and best practices.
Assistant Vice President Commercial Card Liaison
M&T Bank
Williamsville, New York
12.2019 - 01.2023
- Prepare and review documentation packages for Commercial Card deals, ensuring accuracy and compliance with KYC requirements.
- Develop and deliver DocuSign documentation packages for clients.
- Coordinate client calls to review documentation and ensure timely completion.
- Train clients on online platforms, including CentreSuite and M&T SupplierPay.
- Collaborate with clients, third-party providers, and Visa to implement secure data feeds and maintain PCI compliance.
- Manage client account changes, including credit line adjustments, admin updates, rebates, and entity additions.
- Maintain detailed logs to track progress and ensure accountability.
- Contributed to streamlining documentation and implementation workflows, accelerating onboarding and revenue generation.
- Exercise independent judgment in resolving complex issues; create and monitor credit requests for approval.
- Led cross-functional teams to enhance customer service delivery and operational efficiency.
- Developed strategic initiatives to optimize risk management processes across banking operations.
- Mentored junior staff on compliance regulations and best practices in financial services.
Senior Analyst- Business Risk Control Manager
HSBC Bank
Depew, New York
03.2015 - 06.2019
- Exercises independent judgment and decision-making in managing risk control processes.
- Led and executed audits across Retail Banking and Wealth Management business lines, focusing on operational and regulatory risks (BSA/AML and OFAC).
- Conducted enhanced due diligence and suspicious activity reviews for high-risk customers to mitigate money laundering and terrorist financing risks.
- Prepared audit reports, documented findings, and tracked issue resolution.
- Delivered incident management reporting to senior leadership, including root cause analysis and actionable remediation plans.
- Partnered with business units to design and implement control process improvements, reducing operational and regulatory risk.
- Supported compliance with corporate business continuity policies; recommended and implemented practices to strengthen resilience.
- Monitored and followed up on internal and external audit requests, findings, and recommendations to ensure timely resolution.
- International Certificate Association – AML and Sanctions Compliance
Education
Associate's degree - Business Management
Bryant & Stratton
Skills
- Microsoft Excel
- Operational risk
- Problem-solving
- Attention to detail
- Multitasking Abilities
- Excellent communication
- Organizational skills
- Analytical thinking
- Internal controls
- Analytical skills
Timeline
Commercial Business Risk Analyst
M&T Bank
07.2023 - 02.2026
Assistant Vice President Commercial Card Liaison
M&T Bank
12.2019 - 01.2023
Senior Analyst- Business Risk Control Manager
HSBC Bank
03.2015 - 06.2019
Associate's degree - Business Management
Bryant & Stratton