Michelle Culosi
Summary
Experienced investment compliance professional with knowledge in mutual fund oversight, institutional account management, and regulatory reporting. Proven expertise in daily compliance monitoring, audit coordination, and certification processes across hundreds of investment portfolios. Have experience in general ledger reconciliation and trial balance analysis. Proficient in Excel, with exceptional organizational and communication skills, and a demonstrated ability to adapt effortlessly to evolving financial systems, technologies, and regulatory policies through continuous learning.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Senior Portfolio Compliance Analyst – Investment Compliance
Franklin Templeton (formerly Putnam Investments)
07.2010 - 10.2025
- Continued in role after Franklin Templeton acquired Putnam Investments in 2024, supporting consistent compliance operations throughout the transition.
- Conducted daily compliance monitoring across 280 investment accounts to ensure adherence to client mandates, regulatory requirements, and prospectus-driven restrictions.
- Analyzed compliance results identifying potential breaches, escalating exceptions to senior management while communicating findings to portfolio managers and trading assistants to support transparency and informed decision-making.
- Provided audit documentation to external auditors to verify mutual fund compliance with regulatory standards.
- Managed and completed time-critical compliance certifications for institutional and sub-advisory clients, ensuring accuracy and adherence to reporting timelines.
Investment Compliance Specialist
Putnam Investments
02.2006 - 07.2010
- Evaluated daily compliance results across 180 investment accounts and escalating guideline breaches to senior management in line with regulatory and internal guidelines.
- Completed monthly Regulated Investment Company (RIC) diversification review using account trial balances.
- Conducted complex compliance monitoring and reviewed routine monitors prepared by Investment Compliance Analysts.
- Finalized time-sensitive compliance certifications for Panagora Asset Management, ensuring accurate reporting of compliance status.
- Trained new compliance analysts in investment compliance procedures, while providing hands-on support and mentorship to existing team members to strengthen overall team performance.
Investment Compliance Analyst
Putnam Investments
02.2004 - 02.2006
- Complete and analyze results of daily compliance monitors related to client or prospectus driven investment restrictions.
- Assessed impact of portfolio trading activity and market movements to ensure ongoing compliance.
- Escalate potential compliance exceptions to Senior Portfolio Compliance Analyst.
- Completed monthly Regulated Investment Company (RIC) diversification review using account trial balances.
- Drafted and updated compliance procedures to ensure thorough documentation and alignment with regulatory standards and internal policies.
Senior Portfolio Account Analyst - International Trust Funds
Putnam Investments
02.2001 - 02.2004
- Oversaw daily operations and task assignments for a team of Portfolio Accountant Analysts, ensuring efficiency and adherence to deadlines.
- Reviewed monthly client portfolio reports for accuracy.
- Coordinated and prepared year-end audit documentation to ensure compliance with financial reporting standards.
- Guided training initiatives for new hires, supporting their transition into compliance roles and promoting best practices.
Portfolio Accountant Analyst - Institutional Equity Funds
Putnam Investments
05.2000 - 02.2001
- Calculated nightly net asset values for institutional accounts.
- Maintained general ledger accuracy and reconciled subsidiary ledgers.
- Investigated and resolved trading discrepancies between custodial banks and client portfolios.
- Prepared monthly portfolio appraisals and special financial reports.
Client Service Specialist
Putnam Investments
10.1999 - 05.2000
- Assisted shareholders and brokers by resolving inquiries and operational issues.
- Applied industry knowledge to address questions about Putnam Investments' retail mutual funds.
- Strengthened verbal communication and customer service skills through daily client interactions.
Education
Bachelor of Science - Business Administration, Finance
Merrimack College
North Andover, MASkills
- Microsoft Excel (VLOOKUP, data analysis)
- Bloomberg Terminal
- Compliance systems: Charles River, Latent Zero
- Audit preparation and documentation support
- Team training and mentoring
- Strong communication skills
Certification
Claritas Investment Certificate - 2016
Professional Development & Recognition
Enrolled in Essentials of Supervision program — 2013, Participated as a mentor in the Mentorship Program — 2014, Nominated for Outstanding Employee Award — 2002, Received Most Valuable Player Award — 2000
Timeline
Senior Portfolio Compliance Analyst – Investment Compliance
Franklin Templeton (formerly Putnam Investments)
07.2010 - 10.2025
Investment Compliance Specialist
Putnam Investments
02.2006 - 07.2010
Investment Compliance Analyst
Putnam Investments
02.2004 - 02.2006
Senior Portfolio Account Analyst - International Trust Funds
Putnam Investments
02.2001 - 02.2004
Portfolio Accountant Analyst - Institutional Equity Funds
Putnam Investments
05.2000 - 02.2001
Client Service Specialist
Putnam Investments
10.1999 - 05.2000
Bachelor of Science - Business Administration, Finance
Merrimack College
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