Caryn H. Gould, CAMS, CRCM

Experience

• 

  Santander Bank, N.A.

  Oct 2002 - now

  •Led the Exam Management Program •Managed regulatory requests including Exams, Focused Reviews and Risk Assessments, Inquiries and Ongoing Supervision from local Supervisory Team (OCC, CFPB, FRB)•Key partner who provided expertise, counsel, direction and support to stakeholders•Coordinated and developed presentation materials ensuring exam readiness•Facilitated meetings during pre-planning and throughout the exam including kick off presentations, deep dives sessions, targeted and ad hoc meetings both internal and with the regulator•Applied review and challenge rigor to materials ensuring quality and timeliness of deliverables to the regulators•Identified trends, develop strategies to mitigate potential issues, and provide reporting and updates to Senior and Executive Leadership•Oversaw remediation efforts Show less •Built a sustainable First Line of Defense AML Program and Operating Model•Led a multi-year plan resulting in a mature program with a strong regulatory rating•Managed, developed, and coached a team who provided advice and counsel which allowed the business to grow responsibly while mitigating the risk associated with products, services, geographies, & customers•Designed and executed multiple AML activities including remediation efforts related to Enhanced Due Diligence (EDD), Request for Information (RFI), Know Your Customer (KYC), Customer Due Diligence (CDD), CDD Final Rule, and Demarket efforts in alignment with the risk appetite and risk tolerance of the bank•AML Subject Matter Expert pertaining to Exams, Audits, Quality Control, Quality Assurance, Risk Assessments, Risk Control Self-Assessments (RCSA), Vendor Management, and New Product & Business Activities (NPBA) Show less •Oversaw the day to day activities within Retail Banking related to the prevention of money laundering, terrorist financing and ensured compliance with requirements of the Office of Foreign Assets Control•Supported Retail in the resolution of BSA/AML/OFAC related issues•Promoted a strong culture of AML compliance within Retail Banking providing strategic guidance and direction•Acted as the business unit's liaison with the Financial Intelligence Unit on BSA/AML/OFAC related topics•Developed and implemented appropriate controls and procedures reflecting the standards set forth in the Enterprise BSA/AML Policy•Identified gaps in controls, propose solutions, and implement corrective actions with the business•Identified AML training needs, training requirements, and developed curriculum and enhancements to customized compliance training programs Show less •Managed a mid-size multi-dimensional AML Team that utilized various systems and applications to analyze and detect unusual and suspicious activity, and file suspicious activity reports, in accordance with strict defined regulatory deadlines•Directed strategy and execution of robust controls related to customer onboarding, high risk customer types, products and services, and geographies•Designed, developed, tuned, and tracked the performance of risk rating methodologies, risk assessments, and policies and procedures to minimize the financial institutions overall risk exposure related to money laundering and terrorist financing•Liaised with all related law enforcement arms and government agencies•Identified AML training needs, training requirements, and developed curriculum enhancements to customized compliance training programs for varying constituents within both the Financial Intelligence Unit operations and across all business units•Influenced stakeholders enterprise-wide, upholding the institutions AML compliance culture and risk appetite•Responded to regulatory examinations and audits, both internal and external•Devised risk mitigation solutions•Compiled and analyzed Financial Intelligence Unit data and created metrics reporting for various audiences including Senior Management, U.S. Compliance, Global Head Office, and the Board of Directors•Financial Intelligence Subject Matter Expert supported multiple large scale projects simultaneously. Show less

  • SVP, Director of Regulatory Realtions - Legal & Corporate Affairs

    Apr 2022 - now

  • SVP, Director of Consumer & Business Banking Examination Management

    Jan 2022 - now

  • SVP, Regulatory Relations

    Jan 2021 - Jan 2022

  • SVP, Regulatory Examination Management - Business Control & Risk Management

    Jul 2019 - Jan 2021

  • Director, Consumer & Business Banking AML Compliance

    Nov 2015 - Jul 2019

  • Vice President, Retail Anti-Money Laundering Officer

    Nov 2013 - Nov 2015

  • Vice President, Anti-Money Laundering Manager, Financial Intelligence Unit

    Jul 2010 - Oct 2013

  • Vice President, Bank Secrecy Act Manager, Financial Intelligence Unit

    Apr 2004 - Jun 2010

  • Branch Manager

    Oct 2002 - Mar 2004