Summary
Overview
Work History
Skills
Languages
Timeline
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Susan W Bertoli

Hialeah,FL

Summary

Detail-driven Compliance Officer focused on maximizing company compliance with applicable laws and standards. Knowledgeable about internal controls, process evaluations and procedural reviews.

Overview

13
13
years of professional experience

Work History

Compliance Officer

Thunes
05.2023 - Current
  • Responsible to conduct Thunes Partner Due Diligence (PDD) Level 2 Review to prospective entities wanting to affiliate with the firm, which includes initial and ongoing client on-boarding inquiries and activities such as: establishing identity & ownership structure, understanding the nature of client business activities, reviewing partner documentation, licenses regulatory status, AML/ CTF programs, financial statements, internet research, and client profile information, conduct risk classification, managing related notices to clients, participating & leading partner calls as needed for the Due Diligence reviews.
  • Provide ongoing support to the regulatory compliance program with various tasks and responsibilities including partner's Ongoing Due Diligence Review (ODD) & Refreshers.
  • Perform PDDs on Thunes, by providing all require documentations, completing compliance questioners as requested by Partners in order to maintain a successful relationship with these firms.
  • Conduct regulatory screenings as well as perform Quality Control to our Ongoing Screening program.
  • Conduct CIP procedures and due diligence as defined in the KYC and DD procedures manual.
  • Collaborate with Onboarding & Documentation related special projects assigned by PDD manager.
  • Knowledge of BSA/Anti-Money Laundering/Terrorist Financing and applicable consumer regulations
  • Enhanced regulatory compliance by developing and implementing comprehensive policies and procedures.
  • Collaborated with cross-functional teams to address compliance concerns, fostering a culture of shared responsibility.
  • Provided expert guidance on complex regulatory matters, enabling informed decision-making within the organization.
  • Responded to employee inquiries regarding compliance regulations and procedures.
  • Spearheaded investigations into potential violations, promptly addressing issues to maintain company reputation and avoid sanctions.
  • Implemented successful remediation efforts following audit findings, minimizing adverse consequences for the organization.
  • Promoted a culture of continuous improvement through ongoing evaluation and refinement of compliance program elements.
  • Demonstrated adaptability in response to evolving industry standards, maintaining best practices in a dynamic regulatory environment.
  • Developed and maintained compliance database, tracking all compliance activities and documents.
  • Monitored adherence to industry regulations, ensuring timely reporting of any discrepancies or violations.
  • Stayed current with latest changes to applicable regulatory standards and company procedures.

KYC Compliance Associate

Silicon Valley Bank
02.2022 - 05.2023
  • As part of the KYC First Line of Defense (FLOD) my main responsibility is to perform high complexity Periodic Reviews (PRs) to two major segments of the bank, which are Global Fund Banking (GFB) and International (Hybrid)
  • Ensure that these high complexity entities’ Client Information File (CIF) meet all the KYC/AML requirements
  • Conduct regulatory screenings through Financial Crime Risk Management (FCRM) as well as review consumer cases and perform complex periodic review processes
  • Conduct reviews of client account activity, statements, internet research, and client profile information
  • Perform Enhanced Due Diligence reviews (EDD) and escalate all findings of Country of Interest (COI) and Business of Interest (BOI) to correctly capture it in the Client Information File (CIF)
  • Partner with KYC & Relationship Management teams to identify what information is available in the Bank prior to making client outreach
  • Work directly with client to address inquiries relative to information / documentation needed
  • Ensure information is gathered and submitted to KYC client records within expected time frames
  • Communicate to clients KYC requirements; tracks receipt of required data and/or documents; review received data / documents to ensure information shared meets regulatory requirements
  • Works with client to gain access to additional client data (where necessary) to confirm client identity
  • Serves as escalation point for internal teams and clients to resolve outstanding KYC questions & inquiries
  • Own KYC tasks related to KYC remediation efforts
  • In partnership with Relationship Manager and Relationship Advisors, gathers KYC (Know Your Customer) information required to onboard new clients and new entities
  • Directed activities of workers searching records and provided technical guidance as necessary.
  • Investigated locations to confirm license data, conducted background checked and assessed premises for compliance with licensing requirements.

AML KYC Compliance Analyst

Citi Bank
12.2018 - 02.2022
  • Responsible for participating in Anti-Money Laundering (AML) monitoring, governance, oversight, and regulatory reporting activities in coordination with the Compliance and Control team
  • Review International Personal Banking (IPB) high complexity Periodic Reviews (PRs), Client Risk Framework (CRFs) and onboarding, in an effective manner while ensuring account activity and appropriate documentation related to KYC/AML was in line with clients Know your Customer (KYC) profile while maintaining an above 90% approval rate
  • Conduct regulatory screenings through as well as review consumer cases and perform complex periodic review processes
  • Conduct reviews of client account activity, statements, internet research, and client profile information
  • Conduct background checks/intelligence/customer research/transactional analysis
  • Escalate unusual activity to the Financial Intelligence Unit (FIU) and assist with escalating potential risks
  • Support periodic review triage processes
  • Present summarized findings to peers and management, including recommendations to changes in procedures resulting from review findings and quality assurance review of analysts
  • Onboard/train new associates, as needed
  • Participated in PPP Loans initiative
  • Reviewed PPP loans efficiently and quickly while maintaining a 97% QC score and served as SME
  • Served in a team of 10 for Loan Forgiveness client issues and acted as SME for team of 20 plus analysts
  • Served as POD Coach for other teams, guiding and helping them with any inquiry regarding PPP Loans and Forgiveness Applications.

Card Operations and Electronic Banking Specialist

Helm Bank USA
03.2016 - 12.2018
  • Ordered all new Credit, Debit and ATM cards for all bank’s customers
  • Processed the necessary due diligence such as review OFAC, identifications, KYC and Signature Cards
  • Processed any type of change/maintenance to the cards as requested by clients, handled disputes, fraud cases and payments
  • Placed/removed Holds for the Credit Card’s CD Collateral
  • Responsible for the customer’s Online Banking access
  • Created, reviewed, activated, and deleted online banking access for new and existing personal and business accounts
  • Created/updated all online access bank’s manuals to help employees and customers navigate through bank's web page
  • Provided training related to Online Portal, Card products, policies, and procedures to all new and existing bank’s employees
  • Worked alongside with RMs to maintain a good and satisfactory relationship with clients
  • Participated in phase one and two of a re-profiling Project for the Bank's BSA Department
  • Confirmed and updated as needed all the legal documents required such as, Articles of Incorporation, KYC, W-8BEN/W - 8BEN -E and W9, and valid Identifications.

Call Center Rep/ Quality Control Associate

Helm Bank USA
07.2013 - 03.2016
  • Assisted clients via e-mail and phone calls with all banking needs
  • Identified and escalated clients’ issues to the appropriate bank department
  • Responsible for the Quality Control of Operations and Support Center Departments, verifying that all updates and changes performed to client’s profiles were properly processed.

Call Center Associate

Mercantile Commerce Bank
02.2012 - 07.2013
  • Assisted clients with all their banking needs
  • Account inquiries and concerns and with any discrepancies while servicing their needs
  • Performed banking transactions such as stop payments, wire transfers, check orders and card activation, fee reversals, and fax statements
  • Evaluated, monitored, and made any recommendation deemed necessary to their respective Risk Management Committee in order to assess, reduce, eliminate or control any current or prospective risks.

Coding/Utilization Coordinator

Pasteur Medical Center
12.2010 - 02.2012
  • Responsible for supervising the medical coding staff that deals with patient’s medical records
  • Primarily established policies and implemented changes, coordinating with other personnel managers and physicians
  • Reviewed departmental procedures and evaluated the effectiveness of personnel
  • Performed Medical Billing and Coding and responsible for sorting out, compiling of the medical billing, and coding draws once they were successfully done
  • Checking medical charts for accuracy and completion, verifying signatures and medical data in computers, clarifying information or diagnosis by communicating with healthcare providers utilizing computer software to analyze data.

Skills

  • Compliance Monitoring & Review
  • Reporting Requirements
  • Document Review
  • Regulations enforcement
  • Policy analysis
  • Regulatory knowledge
  • Research and analytical
  • Time Management
  • Leadership
  • Multiple Priorities Management
  • Attention to Detail
  • Customer Relationship Management
  • Customer Service Orientation
  • Positive Customer Engagement
  • Microsoft Office

Languages

English
Native or Bilingual
Spanish
Native or Bilingual

Timeline

Compliance Officer

Thunes
05.2023 - Current

KYC Compliance Associate

Silicon Valley Bank
02.2022 - 05.2023

AML KYC Compliance Analyst

Citi Bank
12.2018 - 02.2022

Card Operations and Electronic Banking Specialist

Helm Bank USA
03.2016 - 12.2018

Call Center Rep/ Quality Control Associate

Helm Bank USA
07.2013 - 03.2016

Call Center Associate

Mercantile Commerce Bank
02.2012 - 07.2013

Coding/Utilization Coordinator

Pasteur Medical Center
12.2010 - 02.2012

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Susan W Bertoli