Riviera Howell
Summary
With over a decade at Wells Fargo and Silicon Valley Bank, I've honed my expertise in AML analysis and enterprise risk management, showcasing a strong blend of analytical prowess and quality assurance acumen. My leadership in enhancing due diligence processes and compliance frameworks has significantly mitigated financial risks, underpinning my commitment to operational excellence and strategic oversight.
Overview
10
10
years of professional experience
Work History
Business Enhanced Due Diligence Associate
Silicon Valley Bank
09.2023 - Current
- Provides expertise in assessing prelaunch or emerging business models to align with internal requirements for enhanced due diligence and approval; to include providing training, advice, and guidance to the Commercial Bank teams; recommending updates based on based on industry best practices and regulatory/compliance standards.
- Serves as a subject matter expert on high-risk reviews as primary Point of Contact for Commercial Bank Relationship and aid in identification of prospects & existing clients that may have increased AML risk due to business model; working directly with clients/prospects to ensure compliance with SVB’s high-risk requirements; championing efforts identifying and managing existing and emerging risks identified through reviews, and ensuring these risks are effectively assessed, communicated, and controlled.
- Engages with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents to deliver comprehensive views on investigative and intelligence matters and represent reasoning of case disposition.
- Identifies and communicates opportunities to automate/streamline quality and compliance efforts.
- Demonstrates strong understanding of Anti-Money Laundering risk related to Gaming/Gambling, Cannabis and/or Defense business models.
- Demonstrates knowledge of international and regional financial crimes risks, to include but not limited to Anti-Money Laundering and Counter Terrorism Financing risks, and the prevention and mitigation processes and controls.
- Understanding of the compliance and regulatory frameworks that apply to financial institutions with an emphasis on FinCEN regulations, FFIEC guidelines, Bank Secrecy Act and US PATRIOT ACT.
KYC Associate
Silicon Valley Bank
01.2022 - 09.2023
- Acquired comprehensive insight into Customer Due Diligence Policy within various fields such as Commercial, Technology, Healthcare and Global Fund Banking.
- Extensive understanding of the Know Your Customer (KYC) and Enhanced Due Diligence (EDD) programs.
- Liaise with clients, internal client services teams, compliance, and operations as necessary, as part of the KYC process, to ensure transactions and queries are dealt with in an efficient and timely manner.
- Conduct appropriate due diligence related to the potential suspicious activity through the review of client background information, the review of securities transactions, and fund movements as necessary.
- Strong knowledge of the US PATRIOT Act, Anti-Money Laundering (AML), OFAC requirements, and the Bank Secrecy Act (BSA).
- Acted as a KYC and AML subject matter resource for KYC due diligence teams.
- Reviewed and monitored clients' accounts for potential matches to designated sanctioned targets and the prohibited persons list.
Officer| Senior Control Associate
Wells Fargo
08.2021 - 01.2022
- Consults with the business on issues and remediation plans developed to address control gaps.
- Partnering with senior levels of leadership on business enhancements
- Interfaces internally within the bank regarding business risk management.
- Evaluates controls to ensure proactive self-identification of issues and events, root cause analysis and resolution of control deficiencies.
- Provides insight to Senior Leaders regarding emerging risks.
- Conducts sampling and inspecting evidence to assess the design and operating effectiveness of controls.
Operational Risk Consultant
Wells Fargo
04.2019 - 08.2021
- Identifies risk factors and implements solutions.
- Strong knowledge of Anti Money Laundering (AML) and the Bank Secrecy Act (BSA)
- Developed various tools to manage risk across the organization.
- Knowledge and understanding of Commercial Banking in relation to Customer Due Diligence Policy.
- Trained seasoned team members and management on process and policy enhancements.
- Conducts Periodic Reviews of Commercial Banking customers to determine an enterprise risk rating.
- Extensive understanding of the Know Your Customer (KYC) and Enhanced Due Diligence (EDD) programs.
Home Mortgage Team Lead
Wells Fargo
11.2016 - 04.2019
- S.A.F.E Certified
- Collaborated with Senior leadership on the development of processes and implementation strategies.
- Resolved escalated concerns on complex loan transactions.
- Extensive knowledge of Home Lending and credit policy.
- Prepared the department for Compliance inspections.
- Conducted coachings and developmental feedback to fellow team members.
- Responsible for performing a variety of loan documentation duties on complex loan packages to ensure compliance with company policies and procedures.
- Facilitated the training of new hires.
- Managed a pipeline of work from assignment to completion.
Home Equity Specialist
Wells Fargo
01.2015 - 11.2016
- Manages end of draw and line restriction reinstatement resolutions.
- Trained team members on new skillsets.
- Vast understanding of banking regulations
- Maintain customer relations with retention efforts.
- Provides assistance across various lines of business.
- Communicates emerging risks to management.
- Research and identify credit risks.
- Extensive knowledge of call center operations in the financial services industry.
Education
Psychology
University of Missouri
Columbia, MOSkills
10 years of AML investigatory and analysis experience
10 years of business process / Quality assurance experience
10 years of experience supporting and enhancing an Enterprise Risk Management Framework
10 years of financial services experience
Timeline
Business Enhanced Due Diligence Associate
Silicon Valley Bank
09.2023 - Current
KYC Associate
Silicon Valley Bank
01.2022 - 09.2023
Officer| Senior Control Associate
Wells Fargo
08.2021 - 01.2022
Operational Risk Consultant
Wells Fargo
04.2019 - 08.2021
Home Mortgage Team Lead
Wells Fargo
11.2016 - 04.2019
Home Equity Specialist
Wells Fargo
01.2015 - 11.2016
Psychology
University of Missouri
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