Stephanie Smith

Proficient knowledge of the rules and regulations, including but not limited to, the Bank Secrecy Act, USA Patriot Act, CIP, and OFAC.Work closely with front-line staff on documenting and understanding the workflow process for system activities, internal controls, reliability, and integrity of information.Develops and maintains BSA related policies and procedures.Prepare Update enterprise wide BSA/AML/OFAC risk assessment on an annual basis.

• Perform research and analysis complex high-risk customer through public records, media, or other research tools
• Perform enhanced due diligence on high-risk individuals and businesses.
• Escalate and recommend appropriate investigation follow-up, including potential account closure, for customers that exceed the Banks risk tolerance
• Monitor daily transaction reports,
• Monitor and track BSA/AML high-risk customers and accounts,

• Perform monthly enhanced due diligence of BSA High Risk customers,
• Manage BSA exempt persons including filing initial designations and yearly reviews,
• Complete CTR and SAR reports and prepares them for filing including the detailed SAR narrative,
• Complete downloads and match reports for 314(a) and OFAC,
• Work closely with staff to investigate transactions that are suspicious in nature.
• Perform user account management,
• Verify data collected, set custom behaviors as needed, clear and investigate alerts, open and investigate cases, manage customer risk ratings,
• Primary contact person for all questions on Verafin issues,
• Works directly with our Verafin account manager to solve any performance or system related issues.

Provided administrative support to the internal auditor and compliance officer.Provides scheduling, administrative, quality control, and other assistance as necessary to the in-house appraiser.Assisted with monitoring and researching BSA related cash activity.Reviewed and prepared CTRs and SARs.Assisted with the monitoring of BSA High Risk Customers & Exempt Persons.Worked closely with front-line staff to ensure compliance with BSA record keeping guidelines.
Tracked audit and compliance calendars for completion of scheduled audits and responses including risk-assessments and tracking reports.Performed portions of audits as assigned by the Compliance Officer or Internal Auditor.

• Established a system for tracking non-conformances, facilitating quick resolution and preventing future occurrences.
• Maintained an up-to-date knowledge of industry innovations and advancements, ensuring the Quality Control department remained at the cutting edge of best practices.
• Followed quality standards and procedures to minimize errors and maximize customer satisfaction.
• Established and tracked quality department goals and objectives.
• Determined quality department standards, practices, and procedures.

• Execute on business initiatives by creating and maintaining open communication with employees, peers, leadership team and other lines of business

Make informed business decisions using skill set, subject matter expertise, documented policies and procedures, empowerments and relationshipsIdentify process improvement opportunities, recommend solution(s), contribute to process/policy change led by change management leadership team, and implement changes. Ensure team’s adherence to operating policies and procedures, and legal and compliance regulationsManage team performance, leading by example and coaching on key behaviors to motivate sustained results; this includes using performance management resources to proactively monitor, coach and develop employees, recognizing strong performers and managing those not meeting performance standards.

• Led change management initiatives to drive organizational transformation without compromising employee morale or productivity levels.
• Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.
• Facilitated successful cross-functional collaborations for the completion of key projects, fostering strong working relationships among team members.
• Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
• Cross-trained existing employees to maximize team agility and performance.