Stephen Kolarik, MBA, CAMS

Experience

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  Sprint

  Jan 1997 - Jan 2000

  Program Manager

  International product introductions; management of product/service implementation projects, to include translations, testing, operational analysis and post-implementation issue resolution; feasibility analysis; coordination of testing; compliance review of technical orders; delivery of product/database training and management of training activities for Managed International Services Department

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  MCI/Worldcom

  Jan 2000 - Aug 2001

  Project Manager

  Oversight of directory assistance implementation projects for multiple telecommunication products and services; project planning, scheduling and status reporting; research and collection of directory assistance data; collaboration with vendors and cross-functional internal teams to ensure timely completion, including development, support, networking, financial, quality and training personnel

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  Cyberrep

  Oct 2001 - Nov 2002

  Program Manager

  Managed 10 team leads with oversight of call center operations, with responsibility for some 200+ employees; business development; staff development; long-term strategic planning; development of reporting tool suite for executive management team and clients; assistance to General Manager in supervising financial analysis, scheduling, recruitment, training, IT and client relations.

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  AmSouth Bank

  Jan 2003 - Feb 2005

  Assistant Manager/Senior Financial Services Specialist

  Delivery of financial planning services; sales and marketing of mutual funds, life/disability insurance, annuities, retirement plans, money market accounts, and other financial products. Conduct team meetings and trained employees on money laundering which included the USA Patriot Act, Bank Secrecy Act, OFAC requirements, US Treasury AML guidelines, and Suspicious Activity Reporting requirements. Directly managed tellers, coaching on strategic marketing and business development planning; client relationship building, selling skills, customer service and regulatory compliance; cross-selling; application, KYC and onboarding processing; resolution of problematic issues and conflicts. Show less

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  TD Ameritrade

  Feb 2005 - Nov 2010

  Investment Consultant

  Implement innovative business development programs, establish sales strategies, and maximize TD Ameritrade brand awareness. Work with TD Ameritrade compliance department on a daily basis to review rules and regulations of the SEC, FINRA, FDIC, and state securities regulatory agencies to identify, research and resolve problems in a timely fashion to stay compliant at all times. Plan, organize, prioritize, and implement successful business plans to develop, track, and maintain relationships with internal and external customers. Seek out new customers by cultivating leads into actual business. Assess, assist, and advise clients as they choose the services best suited for their needs and goals. Present solutions to clients and prospects through face to face meetings while demonstrating the various services, solutions and platforms that would be best suited for them. Track activities through a client relationship management system and respond to leads through supplemental business development efforts. Show less

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  Citi

  Jan 2011 - Apr 2021

  Manage and coordinate global projects involving terrorism, senior public figures, OFAC sanctions, bribery, fraud, high risk countries and negative news subjects. Conduct research, documenting the investigations and providing initial recommendations and dispositions of a Global Enterprise-Wide Customer Relationship. Conduct AML investigations that involve clients with accounts in more than one jurisdiction, a substantial multi-jurisdictional nexus, or involve complex transactional and client account patterns. Independently assess and analyze research results and conduct complex data analysis applying background knowledge and experience. Conduct investigations using global standard policies, procedures and tools, aimed at meeting internal and external regulatory requirements. Determine investigative and data analytics approach, use sound decision-making and discretion in making independent decisions that mitigate corporate risk at each decision point throughout the investigation. Compile supporting documentation and data including media and transaction including documenting review findings for Compliance, Business management, law enforcement, regulators, Executive Senior management, sanctions and Citi Legal. Draft and file Suspicious Activity Reports (SARs) and recommend relationship retention or termination and respond to inquiries from regulators and law enforcement. Review subpoenas and seizure warrants to triage and create GIU investigation cases as necessary. Work with AML legal to fulfill and request 314(a) and 314(b). Work with MCA, QA, IT and internal audit to improve and resolve any issues and to strengthen operations within AML. Created and implemented brokerage training to the entire NAM GIU group. Review, confirm, update and enhanced KYC and EDD. Show less Serve as a subject matter expert in anti-money laundering investigations and analysis for sensitive high-risk Citi consumer and business accounts involving complex products such as banking, brokerage, mortgage, loans, credit cards and PIC/Trust. Perform daily work focused on mitigating money laundering risks to Citi and its high net worth/high risk customers from illicit activities using independent discretion, decision making and confidentiality. Conduct timely, accurate and effective analysis and investigation of anomalous behavior associated with a wide variety of high risk Citi financial products, services and accounts monitored by Global AML. Independently analyze research results and conduct complex data analysis applying SME knowledge and experience. Provide training and mentoring to new analysts on investigative techniques, internal systems, case narrative construction, and applicable AML/Bank Secrecy Act and FINCEN money laundering laws and regulations. Identify process and system improvement initiatives and resolution in order to reengineer and streamline workflow. Develop written process and procedures documents accurately reflecting policy along with preparing documents on compliance problems and ensure compliance with Global Legal, Corporate and Business policy requirements. Actively interface with senior management, FIU, internal audit and Federal Regulators. Show less

  • COMPLIANCE OFFICER & GLOBAL COORDINATOR: GLOBAL INVESTIGATIONS UNIT (Vice President)

    Dec 2015 - Apr 2021

  • SENIOR COMPLIANCE ANALYST: GLOBAL WEALTH MANAGEMENT / REMEDIATION (Assistant Vice President)

    Jan 2011 - Dec 2015
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  Zions Bancorporation

  Apr 2021 - now

  Responsible to supervise the day-to-day operations for Bank Secrecy Act, AML and Financial Intelligence and implementing and administering BSA/AML programs and compliance. Supervises and assists AML team with investigations, reporting, policies, and procedures to ensure compliance. Acts as a liaison between corporate and the assigned group or region in matters regarding compliance. Works with management to create reports, resolve issues, address deficiencies, and implement programs for AML/BSA compliance monitoring. Responsible to hire, fire, counsel, and conduct performance reviews for team while ensuring the team is trained on procedures and on all new compliance laws and regulations. Keeps abreast of new and pending laws and regulations, which potentially affect the company’s practices and assist with examinations from external parties. Show less Conduct investigations and assessments involving terrorism, senior public figures, bribery, fraud, high risk countries and negative news subjects. Document the investigations using global standard policies, procedures, and tools, aimed at meeting internal and external regulatory requirements and provide initial recommendations and dispositions. Draft and file Suspicious Activity Reports (SARs) and recommend relationship retention or termination and respond to inquiries from regulators and law enforcement. Created and implemented investment and subpoena training for my team. Show less

  • Regional Financial Crimes Officer (RBSAO) - Vice President

    Nov 2022 - now

  • BSA/AML Investigations Supervisor

    Jun 2022 - Nov 2022

  • AML Financial Crimes EDD Senior Analyst

    Apr 2021 - Jun 2022