Business System Specialist – Compliance and Regulatory - OFX - Edmonton, AB, Canada
(2023-06 - 2026-04)
OFX is a global fintech and foreign exchange company providing secure online international payment, money transfer, and currency risk management services. Operates under strict multi-jurisdictional compliance frameworks, requiring robust data systems to meet automated regulatory reporting mandates across the US, Canada, Australia, and Europe.
- Owned and executed data pipeline logic supporting high-volume transaction processing and reporting frameworks, facilitating the completeness, accuracy, and timeliness of daily and monthly production cycles (including liquidity frameworks like FR 2052a).
- Authored functional data models and technical specifications to validate regulatory reporting structures in compliance with strict deposit and recordkeeping rules, including 12 CFR 369 and 12 CFR 370 requirements.
- Performed comprehensive data sourcing, target-state mapping, and complex data transformations from upstream transaction systems into standardized regulatory reporting templates using GCP cloud infrastructure, BigQuery, and SQL.
- Conducted rigorous data quality checks, subledger-to-reporting reconciliations, and variance analysis against historical submissions and internal MIS to proactively investigate and resolve data breaks, system exceptions, and regulatory queries.
- Collaborated with Treasury, Liquidity Risk, Finance, and IT engineering teams to translate complex cross-border statutory rules (including FINTRAC, AUSTRAC, and DTCC frameworks) into technical system logic while establishing precise end-to-end data lineage.
- Maintained and enhanced comprehensive reporting documentation, including internal controls, standard operating procedures, validation scripts, and data dictionaries for multi-jurisdictional compliance platforms (such as EU CESOP and Canadian RPAA).
Business Analyst (Compliance and Enterprise systems) - FIRMA / OFX - Edmonton, AB, Canada
(2021-08 - 2023-06)
An Edmonton-founded global corporate payments provider specializing in foreign exchange solutions and multi-currency accounts. Following its C$90 million acquisition by OFX, the combined entity operates as a premier cross-border specialist across the North American market.
- Provided comprehensive production support for critical corporate enterprise systems, managing incident triaging, analyzing system logs, and troubleshooting data delivery pipelines to maintain operational stability.
- Led the business analysis and technical implementation of a centralized compliance system with a third-party vendor, establishing automated, rule-based risk assessment models for efficient customer onboarding.
- Formulated functional specifications and system logic to execute automated, regular compliance checks on existing customer profiles, drastically reducing exposure to operational and regulatory risks.
- Utilized GCP, BigQuery, and SQL to analyze and reconcile large-scale transactional datasets, optimizing query performance to ensure flawless subledger-to-reporting alignment and continuous audit readiness.
- Authored comprehensive Business Requirements Documents (BRDs), functional specifications, and current-to-future state workflow diagrams to guide cross-functional teams and external vendors through enterprise enhancements.
- Developed robust validation scripts, end-to-end regression test cases, and target compliance test scenarios to verify third-party vendor API integrations and automated rule accuracy.
System Analyst - STATE AUTO INSURANCE - Columbus, Ohio, United States
(2019-08 - 2020-08)
A super-regional property and casualty insurance company that distributes personal, commercial, and farm coverages.
- Designed and implemented seamless billing and claim payment integrations with third-party vendors, optimizing downstream data flows for high-volume claim disbursements and premium payment processing.
- Configured and validated modern payment methods—including ACH networks, credit card processing, and digital wallets—ensuring transaction flows met rigorous corporate business rules and strict risk mitigation controls.
- Managed enterprise-level Guidewire configurations, supporting module updates, validating critical system integrations, and ensuring complete alignment with core financial business workflows.
- Conducted thorough impact and gap analysis for system upgrades, identifying cross-functional dependencies across internal data models, user interface screens, and downstream integration touchpoints.
Business System Analyst Consultant (Fraud & Financial Risk) - CITIBANK
(2015-08 - 2016-04)
A global financial leader providing retail and corporate banking across 160+ countries, operating under stringent international regulatory and AML compliance frameworks.
- Led the business analysis and data mapping for the implementation of a centralized KYC (Know Your Customer) system for Citi clients, streamlining institutional onboarding workflows and risk profiling engines.
- Translated complex global AML, CDD (Customer Due Diligence), and EDD (Enhanced Due Diligence) regulatory requirements into functional system specifications, ensuring precise automated risk-scoring logic.
- Conducted deep-dive financial investigations into complex transaction flows, mapping data anomalies and collaborating with cross-functional teams to mitigate operational, fraud, and compliance risks.
- Utilized transaction analysis protocols to ensure system outputs perfectly aligned with strict federal regulatory reporting and compliance standards (BSA/AML).
JPMORGAN CHASE
One of the world's largest financial institutions, managing complex global investment and commercial banking operations with rigorous fraud detection and regulatory reporting standards.
- Led detailed fraud detection and financial risk assessment initiatives, analyzing transaction patterns to safeguard financial assets.
- Conducted deep-dive financial investigations into complex transaction flows, mapping data anomalies and collaborating with cross-functional teams to mitigate operational and compliance risks.
- Utilized transaction analysis protocols to ensure system outputs perfectly aligned with strict federal regulatory reporting and compliance standards (BSA/AML).
AML Analyst - HSBC
(2012-01 - 2014-04)
- Monitored high-volume financial transactions to identify suspicious patterns, ensure global financial compliance, and protect system integrity.
- Executed risk-based data analysis and profile due diligence to validate data accuracy and mitigate systemic financial, fraud, and reputational exposure.
- Assisted with the oversight of suspicious activity investigations and internal compliance review processes to meet stringent regulatory requirements.
Credit Assessor - ANZ BANK
(2008-01 - 2010-08)
- Executed comprehensive financial risk assessments and profile due diligence on a high-value corporate financial portfolio to mitigate credit, operational, and systemic financial exposure.
- Evaluated corporate financial statements, balance sheets, and historical credit profiles, utilizing rigorous risk-based data analysis to determine structural financial health and corporate viability.
- Ensured absolute adherence to corporate lending policies, internal compliance frameworks, and strict banking regulations throughout the end-to-end financial underwriting and assessment process.
