Andrew Lubow

Experience

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  Merrill Lynch

  Jun 1987 - Oct 1996

  Audit and Escheatment Specialist

  Tracked differences and responses from 17A-13 audits and items suspended for 15C3-3, Customer Reserve calculation. Reported and remitted unclaimed property to include reconciliation of accounts, review of state escheatment laws/procedures and reviewed accounting entries.

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  Morgan Stanley

  Oct 1996 - Oct 2004

  Operations Risk Senior Associate

  Managed staff and oversaw audits covering all aspects of regulatory rule 17A-13 involving issues of possession and control of the firm’s books and records.

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  LOMTO Federal Credit Union

  Aug 2005 - Feb 2007

  Compliance/Operations Assistant

  Performed compliance and operations tasks for the Credit Union by ensuring Bank Secrecy Act, Know Your Customer and Anti Money Laundering compliance were adhered to and the appropriate due diligence was exercised.➢Wrote disclosures for new products.➢Conducted transaction testing to verify if CTRs and SAR reports were properly written up and filed on a timely basis.➢Reviewed CTRs and SAR reports for accuracy and quality.➢Created and implemented procedures for the Credit Union.➢Identified changes in regulations that affected the Credit Union.➢Assisted in setting up computer systems and backed up Credit Union information on a weekly basis.•Audited customer account files for inconsistencies leading to a new format for customer verification and employee training. Show less

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  Bank of New York Mellon

  Feb 2007 - Nov 2008

  Control Specialist

  Developed and reported on procedural and transactional tests performed, providing management with operational and regulatory controls to minimize and avoid risks and achieve “Satisfactory and above” audits.

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  MediaMorph

  Apr 2009 - Jun 2009

  Business Consultant

  MediaMorph Manages the Business of Digital Entertainment - Making it More Measurable, Transparent and Predictable.•Created missing controls as part of a review for the SAS 70 (Operational Controls) audit and documented those controls that were in place.

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  Michael Sid & Associates

  Feb 2010 - Apr 2010

  Contractual Consultant

  Wrote test plans, scenarios and steps for a major integration of a Customer Relationship Management system (Salesforce) with a customer’s homegrown systems (Billing and Ad Campaigns) and assisted the designers to identify areas needing improvement.

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  Citigroup

  Aug 2011 - Dec 2012

  AML Compliance Analyst

  •Reviewed Media from World Check to see if they were true or false/positive matches of the members and determined so by either using qualifying or disqualifying identifiers. Then escalated the matches when related to derogatory Media and AML activity to management.•Checked names on OFAC and EU Sanction lists to see if they were true matches of members of the firm or false positive and once again using disqualifiers or qualifiers to do so. Then escalated the matches to my supervisor.•Conducted enhanced due diligence searches for members, especially those deemed to be Politically Exposed Persons, by using negative string searches in Factiva and Google. In addition, performed negative news searches on Lexis Nexis. Then escalated the matches when related to derogatory Media and AML activity to the AML/FIU Compliance team. Show less

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  TD Bank

  Apr 2013 - Jul 2013

  AML Analyst Consultant

  Conduct AML testing engagements of departments within the bank as part of the AML testing team.• Create questionnaires, checklists and quality assurance reviews for AML engagements using the FFIEC manual, FINCEN’s Chapter X site and USA Patriot Act.• Obtain regulations and policy pertaining to various AML reviews .• Create AML gap analysis for policy and procedures of departments being tested versus bank policy and procedures.

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  GE Capital

  Aug 2013 - Jan 2014

  AML Compliance Analyst Contractor

  Review Alerts containing Adverse Media and Sanctions/Watch lists versus parties connected to GE deals.- Qualify alerts and escalate to management, create red flags for monitoring purposes, i.e. due to AML actvity, PEP status and/or individual/entity on a sanction list, watch list.-Disqualify alerts and/or mitigate them down to irrelevant and add them to an accept list.-Assist in determining the appropriate level to risk rate entities/individuals by obtaining such knowledge as type of business, purpose of funds and geographic location(s) through documentary and non-documentary methodologies, i.e. credit pitches, secretary of state good standings, credit agreements, organizational charts, articles of incorporation, company websites, 10QsObtaining appropriate KYC and due diligence documentation for sponsors. Show less

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  Jefferies LLC

  Jan 2014 - Apr 2014

  AML Compliance Analyst

  Performing due diligence on private wealth management individuals and trusts.

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  MUFG Union Bank, N.A.

  May 2014 - Aug 2018

  Associate/Officer Investigator

  Analyze transactions of originators and beneficiaries of correspondent parties to determine if they warrant further due diligence by an investigative unit.

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  Woori Bank

  Sept 2018 - now

  • Manager

    Nov 2018 - now

  • Sr BSA Analyst, Contractor

    Sept 2018 - Oct 2018
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  Bank of China

  Oct 2018 - Nov 2018

  BSA Compliance Analyst, Contractor