jennbowers

• Lead the Corporate & Commercial Banking (CCB) Policy Management and Implementation Team. • Managed the financial crime related policies and procedures for CCB including Anti-Money Laundering (AML), Know Your Customer (KYC), OFAC/sanctions, anti-bribery anti-corruption, reputation risk, etc. • Performed policy impact analysis and escalated and remediated identified concerns. • Wrote and edited procedures, communications, and training. • Drove projects related to the implementation of enterprise policies, including gap analysis, QC, and issue identification and reporting. • Socialized new and revised documents with stakeholders to drive meaningful discussions and obtain relevant feedback.

• Represented Global Consumer Banking in AML Policy development sessions and committees. • Reviewed all new and revised policy documents and provided a detailed overview of requirements to impacted groups. • Served as an in-business subject matter expert for Global Consumer Businesses. • Supported the implementation of policy requirements and provided ongoing updates on progress to Senior Management and Global Compliance. • Partnered with Global Compliance leaders to better understand the requirements and more accurately gauge change impact.

Officer, AML/KYC Technical Writer (2016 to 2018) • Wrote, edited, and managed procedures for the Commercial Banking AML/KYC Program which implemented and sustained the firm-wide Global KYC Standard. • Partnered with procedure analysts, subject matter experts, and project teams within various KYC functions to ensure all procedure documentation was clear, compliant, and consistent. • Responsible for process mapping, managing the procedure library, performing an annual attestation of procedure documentation, and related projects. KYC Quality Assurance (2014 to 2016) • Evaluated and improved the due diligence process as compared to internal controls and standards. • Ensured accurate completion of Enhanced Due Diligence (EDD) QC reviews for high-risk Consumer and Business Banking customers. • Confirmed AML risks identified were mitigated or appropriately escalated. • Ensured the on-boarding of high-risk Consumer and Business Banking customers adhered to the established Global KYC Standard, including correctly obtaining and verifying Customer Identification Program (CIP), Customer Due Diligence (CDD), and Account Due Diligence information. KYC Analyst (2012 to 2014) • Performed due diligence reviews of high-risk Business Banking customers. • Determined the appropriate risk ranking for customers based on an assessment of their risk profile (e.g., products used, geography, counterparties, transaction history, etc.). • Escalated issues when needed and provided information to be leveraged in SAR filings.

• Performed all compliance due diligence for domestic and UK business transactions including obtaining and reviewing documentation to comply with AML, Sanctions Screening, and KYC Policies. • Analyzed transactional documents relating to new corporate debt and securities issuances to determine appropriate AML documentation.