Michelle Hogan
Wildwood,Missouri
Summary
Focused Compliance Officer brings over 25 years of expertise in regulatory compliance, audit procedures, project oversight, and risk management. Excellent history of delivering effective leadership and training to support staff development. Driven and strategic with an aptitude for program management. Advanced knowledge of audit methodologies, functions, and compliance teams.
Overview
31
31
years of professional experience
1
1
Certification
Work History
Chief Risk and Compliance Officer
Celbridge AI
Saint Louis, Missouri
10.2022 - Current
- Led the development and implementation of a formal risk management and compliance framework program for an innovative AI global cloud service provider focusing on advanced machine learning and AI technologies to transform revenue management processes.
- Developed and implemented policies, procedures, and KRIs to ensure compliance with data privacy and security standards and regulations.
- Achieved SOC 2 Compliance Certification.
Vice President TRM Compliance
MasterCard
O'Fallon, Missouri
05.2018 - 10.2022
- Head of Global TRM Compliance Program for Global (O&T) Operations and Technology, successfully building and leading a global team of 12 people, leading customer on-sites/audits across all regions. Led Global Regulatory Operational and Compliance Examinations in partnership with Global Regulatory Affairs. This included Annual/Quarterly Safety & Soundness Annual Examinations (2018-2022), Compliance Examinations for AML, OFAC (2018-2022), and GLBA Compliance.
- Partner with Senior Leaders and the First Line of Defense in O&T, Compliance, Product Development, Regulatory Affairs, and Internal Audit to identify risks and build and establish the appropriate level of compliance for cyber security, operational, and compliance processes in current and new products to meet regulatory and compliance requirements. This includes proactive insight into emerging risks and potential regulatory landscape changes or issues.
- Reduced US regulatory findings to zero (4 years in a row) & US customer findings went from 79% to zero within one year with the Development of a global compliance risk and control register "one to many" framework for O&T demonstrating compliance with several global regulatory requirements and standards. Risk register received positive feedback from Regulators.
- Reduced prep work for the assessments by 95% and significantly increased accuracy rating from 19% to over 95% with automation of compliance documentation request process utilization of AI and ML tools to identify the matching MC control, policy, testing documentation for the assessment.
- Instrumental in achieving zero identified issues in various European license compliance requirements. Partnered with European Regulatory Affairs Legal Counsel in developing the first compliance responses for the European Financial Stability Board-International Principles for Financial Market Infrastructure-PFMI 17 Operational Risk and Compliance Framework and the Systemically Important Payment Systems (SIPS) Risk Management Framework-for European Central Bank.
- Development of a formal risk compliance framework, which included risk rating methodology and formal risk assessment as Risk Champion-BRCC Global Compliance Program for O&T. This included the processes for the quarterly first line of defense BIz Ops operational risk assessment process. This also included development of Divisional Compliance action plans for high-risk rating scores.
Executive Director Global Compliance
RGA
Chesterfield, Missouri
02.2013 - 12.2016
- Lead & manage the execution of the Global Risk Compliance Framework. Lead specific country license applications and risk assessments globally.
Director Business Risk Consulting
Control Solutions International
Boston, MA
03.2009 - 01.2013
- Lead risk and compliance consulting engagements focusing on anti-fraud risk modeling and risk management programs. Lead and manage client projects focusing on developing and operationalizing their risk management framework.
Director-Enterprise Risk Management & Compliance
UHG, Optum Bank
Minnetonka, MN
09.2002 - 05.2009
- Developed the Enterprise Risk Framework focusing on identifying obligations, integrating, and scaling multiple processes for both regulatory and compliance. Directed the corporate ERM, internal audit function, Sarbanes Oxley 404, and fraud, waste, and abuse audits for UHG and all holding company businesses.
Director Business Process Risk Consulting
Arthur Andersen
Denver, CO
02.1993 - 05.2002
- Instrumental in successfully establishing new Business Process Risk Consulting (BPRC) practice. Project management over large internal audits, risk assessments, and various risk management projects.
- Key participant in Denver client's development and implementation of Process Improvement Quality Initiatives that won the prestigious Malcolm Baldridge Quality Award from President Bush.
Education
BBA - Banking & Finance
University North Dakota
Grand Forks, NDMBA
University North Dakota
Grand Forks, NDSkills
- Global Regulatory Compliance Requirements for NAM, Europe, EMEA, APAC
- Regulatory and Compliance Risk & Control Frameworks: US: BSA/AML, OFAC, US Patriot Regulatory Compliance, including the new US FFIEC, the New Operational Cyber Security Resilience Risk Management Framework, GLBA, and FedRAMP European: the new regulation DORA New Cybersecurity Regulatory Requirements in several APAC countries and RBI (Reserve Bank of India)
- BSA, AML, KYC, OFAC
- PCI DSS (Payment Card Industry Data Security Standards)
- European PFMI 17 Operational Risk & Compliance Framework Systemically Important Payment Systems (SIPS) Risk Management Framework-European Central Bank
Certification
- CIA
- CISA
- Six Sigma Black Belt
Timeline
Chief Risk and Compliance Officer
Celbridge AI
10.2022 - Current
Vice President TRM Compliance
MasterCard
05.2018 - 10.2022
Executive Director Global Compliance
RGA
02.2013 - 12.2016
Director Business Risk Consulting
Control Solutions International
03.2009 - 01.2013
Director-Enterprise Risk Management & Compliance
UHG, Optum Bank
09.2002 - 05.2009
Director Business Process Risk Consulting
Arthur Andersen
02.1993 - 05.2002
BBA - Banking & Finance
University North Dakota
MBA
University North Dakota