Lisa M. Diaz
New York,NY
Overview
19
19
years of professional experience
Work History
AVP, KYC Team Lead
Apple Bank for Savings
New York, NY
08.2022 - 03.2025
- Oversee the day-to-day QC process on all new Bank customers and ensuring that the KYC Profiles are completed in accordance with Bank policy.
- Coordinate with the KYC Officer of the KYC Unit to establish and implement a minimum standard for tracking and measuring KYC Analyst's performance.
- Maintain a high degree of knowledge of appropriate BSA/AML and OFAC laws and regulations.
- Participating in process standardization and improvement discussions with the KYC Manager and process partners.
- Consult with KYC manager and recommend decisioning on documentation waivers or extensions.
- Provide interpretative guidance to staff on issues identified while conducting due diligence.
- Developing and implementing a QC process to ensure that KYC Reviews are completed accurately and according to Bank policy.
- Provide training and coaching KYC Analysts based on the results of the QC process.
- Provide a review with analysis of the KYC Quality Assurance reviews.
- Develop and tracking relevant metrics in relation to the KYC Unit's performance and reporting those metrics to the various internal stakeholders.
- Facilitated audit processes by compiling and providing necessary documentation to internal and external auditors, ensuring timely and accurate reviews.
- Collaborated with audit teams to address and dispute findings when necessary, leading to the resolution of discrepancies and the reinforcement of compliance standards.
KYC Supervisor
Apple Bank for Savings
New York, NY
03.2019 - 08.2022
- Responsible for the day-to-day overall management of the KYC BAU team.
- Managed a team of 8 analysts and responsible for recruiting, performance management, employee development and coaching, training, and staff readiness.
- Responsible for delegating and tracking weekly assignments.
- Maintained daily logs for all work completed by the BAU team as well as exceptions and account closure logs.
- Provided the team with guidance and resources to perform their specified job functions.
- Managed to reduce a significant backlog by Identifying spikes in incoming assignments and making resource adjustments accordingly.
- Spot error trends and manage them with the team, using case management to achieve overall efficiencies.
- Set goals for each analyst and keep them informed and accountable throughout the year.
- Ensured aging assignments, Quality Assurance, and Branch corrections, as well as past due extensions, are being systematically worked on, tackling any roadblocks that arise, allowing sufficient time for them to be closed by our SLA.
- Worked with direct manager and other departments to maintain proactive management of client escalations, issues, and other items that require special handling related to SLA completion.
- Worked closely with partners in compliance and other AML/KYC functions to ensure consistent processes are being followed.
- Coordinated and lead regular team meetings where appropriate.
Enhanced Due Diligence (EDD) Risk Analyst (Financial Crimes Compliance)
Apple Bank for Savings
Long Island City, NY
01.2019 - 03.2019
- Assisted the VP, EDD High-Risk Customer Monitoring Group Manager in working with BSA unit managers to ensure compliance with the Bank's overall BSA/ AML Compliance Program.
- Performed enhanced due diligence (EDD) reviews of all assigned high-risk customers. Use customer risk scoring models in accordance with departmental processes and procedures.
- Conducted data analysis/mining to identify high-risk customers.
- Documented EDD review findings in the appropriate databases to include all pertinent facts and information and recommendations for next steps including potential SAR filings and account closures.
- Reviewed, resolved, and/or escalated alerts or other adverse news screening.
- Elevated questions and concerns to the group manager as needed to make determinations and close EDD reviews.
- Assisted with the preparation and delivery of ad-hoc BSA/ AML and OFAC compliance training based upon changes in regulatory requirements and/or emerging typologies.
BSA Onboarding KYC Analyst
Apple Bank for Savings
New York, NY
03.2018 - 01.2019
- Ensured that completed KYC Profiles are accurate and portrayed an accurate and detailed description of Bank customers.
- Ensured that all on-boarding documentation has been collected.
- Completed KYC reviews in a timely manner and in accordance with a risk-based schedule.
- Reported relevant metrics to the Team Leader of the KYC Unit based on data requests.
- Ensured that all KYC paperwork is stored according to Bank policy.
- Recommended improvements to the process in areas of efficiency, control, and work product.
Enhanced Due Diligence Analyst
HSBC
New York, NY
08.2016 - 10.2016
- Company Overview: HSBC Global Banking & Markets
- Supported the Coverage Teams and clients in respect of HSBC's global KYC / AML standards.
- Responsible for ensuring CDD was prioritized and completed in line with agreed time frames.
- Took ownership of escalations and managed to resolution in a timely manner, keeping all stakeholders updated.
- Coordinated off-boarding / client exit process for KYC.
- Worked closely with functional SMEs to provide required direction and support.
- Coordinated with Client Managers for any cross support with Clients.
- Built global relationships within the Middle Office and across the functional counterpart.
- HSBC Global Banking & Markets
Senior Sanctions Analyst
JPMorgan Chase & Co.
New York, NY
12.2013 - 08.2016
- Company Overview: Global Financial Crimes Compliance - Operations
- Conducted ongoing reviews and monitoring of clients for potential matches to adverse media alerts; designated sanctions targets and prohibited persons lists.
- Conducted client due diligence in various third-party and internal databases such as LexisNexis, WorldCheck, Bridger, and other computer systems.
- Assisted in the management of anti-money laundering, anti-bribery, corruption, and sanction risks, associated with prospective customers across various lines of business.
- Documented/verbally communicated issues, directed searches, and reported results.
- Reviewed internal referrals of suspicious customer activity and transactions.
- Working knowledge of BSA, AML, OFAC and other AML regulatory policies.
- Sanctions/PEP identification.
- Responsible for the review, system input, and triage of internal referrals of suspicious customer activity and transactions.
- Prepared OFAC referral forms to be submitted to the Global Sanctions Compliance department.
- Conducted Quality Assurance to ensure that all regulatory standards were being met.
- Trained and mentored employees and familiarized them with proper OFAC guidelines, controls, and efficient screening process.
- Global Financial Crimes Compliance - Operations
Latin America Private Bank QC Associate /RCSA Lead
JPMorgan Chase & Co.
New York, NY
01.2017 - 03.2018
- Performed quality review of new and existing KYC profiles for LatAm Private Bank clients. Including enhanced due diligence on high-risk individuals and businesses.
- Act as a partner to the Banker teams to assist with the KYC renewals process for existing clients.
- Performed daily operations and monitoring of BSA/AML/OFAC.
- Developed close working relationships with department managers through work on special projects; serve as lead investigator in training or projects.
- Processed quarterly PEP reviews.
- Worked with business, Risk, Anti Money Laundering, and Compliance teams to complete agreed-upon business initiatives.
- Partnered with the regional on-boarding teams to understand the end-to-end process (KYC Initial, Periodic, & Update Reviews as well as Account Opening/Maintenance).
- Completed assigned independent assessments to help ensure consistency and quality throughout the department.
- Discussed and escalated with Compliance complex issues surrounding client types and structures, financial products and services, and other AML risk-related issues.
Settlements Operations Analyst
Tradeweb Markets LLC.
Jersey City, NJ
07.2012 - 02.2013
- Reconciled trade flow from trading system to internal clearing component to clearing corporations and/or clearing banks.
- Tested and certified all Clearance and Settlement components of the electronic trading environment.
- Ensured that trades executed on the trading platform are entered (automatically) into the clearing area correctly, with accurate pricing, consideration, and other trade components.
- Performed 'check-out' of trading activity with customers either on an automated or manual basis.
- Responsible for all customer inquiries regarding comparison, settlement, and clearance of trades executed.
- Assisted in the daily documentation of balancing, reconciliation, and settlement with clearing corporations and clearing banks.
- Performed quality assurance and end-user testing of the clearing components of the internal system regarding settlement messages, for new functionality and testing with any clearing corporation and clearing bank.
Treasury Associate
Forex Capital Markets
New York, NY
06.2009 - 05.2011
- Responsible for the daily input of wires into various banking systems (Bank of America, HSBC, Barclays, Chase, Bank of New Zealand, Deutsche Bank).
- Researched all bank codes, addresses, and wire capability to ensure successful wire transfers.
- Primary liaison with banks to rectify all returned wires. This included researching and tracing problem wires and amending the wires for successful re-submission.
- Contacted clients for additional banking information as needed and/or clarify their instructions.
- Filtered and followed up on problem wires and returned wires.
- Reconciled bank reports to verify that wires were sent properly.
- Processed approximately over fifty credit card and ACH refunds on a daily basis.
New Accounts /Onboarding Associate
New York, NY
02.2006 - 06.2009
- Performed new client adoptions and periodic reviews for clients by confirming KYC data requirements, collecting relevant KYC information, undertaking research via internal and external sources, and gathering and analyzing KYC documentation in accordance with regulatory and AML policy requirements.
- Analyzed AML risks associated with the client. Potential risks and operational issues should be identified and escalated as appropriate.
- Processed incoming account applications on a daily basis to ensure accuracy on applications.
- Identified 'red flag' situations and escalate in line with FXCM policies and procedures.
Timeline
AVP, KYC Team Lead
Apple Bank for Savings
08.2022 - 03.2025
KYC Supervisor
Apple Bank for Savings
03.2019 - 08.2022
Enhanced Due Diligence (EDD) Risk Analyst (Financial Crimes Compliance)
Apple Bank for Savings
01.2019 - 03.2019
BSA Onboarding KYC Analyst
Apple Bank for Savings
03.2018 - 01.2019
Latin America Private Bank QC Associate /RCSA Lead
JPMorgan Chase & Co.
01.2017 - 03.2018
Enhanced Due Diligence Analyst
HSBC
08.2016 - 10.2016
Senior Sanctions Analyst
JPMorgan Chase & Co.
12.2013 - 08.2016
Settlements Operations Analyst
Tradeweb Markets LLC.
07.2012 - 02.2013
Treasury Associate
Forex Capital Markets
06.2009 - 05.2011
New Accounts /Onboarding Associate
02.2006 - 06.2009
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