A decade leading BSA/AML, transaction monitoring, sanctions, fraud, and KYC/KYB programs across payments, fintech, and crypto, at network scale and from the ground up.
Sole compliance leader and board-appointed BSA Officer at an early-stage payments fintech operating under a sponsor bank model with registered ISO and ISV merchant pathways. Built BSA/AML, OFAC sanctions, fraud, and KYC/KYB programs from the ground up. Designed the enterprise Compliance Management System, Enterprise Risk Register, and Risk Committee charter. Owned sponsor bank, regulatory examination, and audit relationships. Selected and governed the compliance technology stack across transaction monitoring, sanctions screening, and blockchain analytics. Reported to the CEO and the board.
Led financial crime risk strategy for the payments business unit of a global card network across multi-jurisdictional corridors. Overhauled the Participant Risk Rating methodology, moving from static signals into a scaled risk matrix calibrated to transaction typology, geographic risk, sanctions exposure, and corridor-level threat indicators. Owned BSA/AML, OFAC, and network-level compliance strategy across the global payments footprint.
Led the compliance product function at a high-growth fintech banking platform under a sponsor bank model. Built the first enterprise risk assessment and scaled AML response during the SVB-driven hypergrowth. Partnered directly with product, engineering, and design to embed BSA/AML, fraud, and sponsor bank controls into the customer experience.
Global lead for transaction monitoring across Block's payments and financial services platform. Owned the typology library, model governance, alert quality, and detection effectiveness across Square seller, Cash App, international corridors, peer-to-peer transfers, and the launch of Bitcoin trading at Cash App. Built detection coverage across fiat and crypto flows with blockchain analytics integration. Patent Application Award for merchant monitoring alert generation.
SAR investigations and filings under Square's registered PayFac model. Took on the compliance engineering DRI role, owning sprint prioritization across engineering teams to translate compliance program requirements into deliverables aligned to regulatory deadlines. Named inventor on a filed patent application for event-driven, geographically-bounded financial crime monitoring.
Board role with the Association of Certified Anti-Money Laundering Specialists, Greater St. Louis chapter. Programming, membership development, CAMS promotion, and mentorship for the regional compliance and AML community.