Kimberly Perteet

An accomplished leader in compliance, audit, and regulatory risk, with more than 19 years of experience spanning both federal and private financial sectors. Work has involved close collaboration with prominent organizations, such as the Federal Reserve, Capital One Bank, and the Offices of Inspector General. Expertise covers BSA/AML, OFAC, FinCEN, FINTRAC, OCC, and FHFA oversight, leveraging data analytics and strong internal controls to enhance program outcomes and minimize risk.

Career highlights include directing federal audits, boosting compliance rates, representing clients before the IRS, and providing professional training to government and private sector audiences.

Senior Accountant, Tax Advisor, Audit & Financial Instructor - Contracting Officer/Independent Consultant (Seasonal) - Washington, DC | Arlington, VA | McLean, VA

(2024-12)

• Execute federal audit and improper payment testing totaling $50M+; remediation actions increased compliance by ~30%.
• Represent clients in IRS audits, hearings, and appeals; maintained 100% issue-resolution on contested cases.
• Design and deliver Yellow Book/Red Book audit training to 500+ auditors and investigators; ensuring participants elevate evaluation and audit rigor and documentation quality.
• Spearhead engagements with Deloitte & Touche LLP, the Department of Transportation, and the Graduate School USA; align internal controls with OMB A-123 and the Improper Payment and Integrity Directives.

Lead Examiner, Division of Enterprise Regulation (Freddie Mac) - Federal Housing Finance Agency (FHFA) - Washington, DC

(2023-09 - 2024-07)

• Directed fraud, operational, and compliance examinations over portfolios tied to ~$3T in housing assets under supervision of Freddie Mac.
• Chaired the Divisional Operational Risk Committee; accelerated remediation cycle times by ~25% via issue governance and action tracking through forums.
• Drafted mid-year and year-end enterprise risk assessments across governance, people, and fraud; briefed senior officials on risk posture.
• Monitored remediation adherence; provided enforceable feedback to executives and coordinated with subject-matter experts to close gaps.
• Led divisional employee engagement; onboarded and developed examiners through curriculum & instruction; increased corps capacity through proactive engagement with management employees.
• Completed initial credentialing exam within the Housing Finance Examiner Commissioning Program.

Audit Manager, Financial Crimes & Compliance - Capital One Financial Corporation - McLean, VA

(2022-11 - 2023-09)

• Managed BSA/AML and fraud audits across U.S. and Canada covering 10M+ accounts; ensured alignment to FinCEN, OFAC, FINTRAC.
• Partnered with data scientists to surface $250M+ in anomalous transactions; improved detection rates.
• Authored and revised PSPs; synchronized control testing and documentation across lines of business for regulatory exams.
• Delivered executive readouts to EVP/VP stakeholders; influenced risk appetite, model recalibration, and issue prioritization.
• Maintained zero regulatory findings during tenure via proactive issue management and test-of-design/effectiveness cycles of internal controls.

Supervisory Financial Institutions Lead, Office of Inspector General Audit Manager & Auditor-in-Charge - Board of Governors of the Federal Reserve System - Washington, DC

(2013-02 - 2022-11)

• Oversaw multi-agency reviews of SIFIs ($100B+ assets); identified BSA/AML control gaps and remediation paths.
• Directed Quality Assurance over 12 Federal Reserve Banks; standardized methods and reduced review cycle time by ~35%.
• Primary author of Reserve Bank Oversight Manual; delivered cross-agency briefings to the Chairman of the Federal Reserve, FFIEC executives, and Congress.
• Led examiner development for 80+ staff; increased readiness metrics by ~20% as a result of knowledge sharing events.
• Delivered audits preventing $10M+ in potential losses; improved civil penalty and card program oversight.
• Directed contractor compliance to ensure the Board and FFIEC financial statements followed GAAS/GAAP.

Supervisory Lead Evaluator - Amtrak Office of the Inspector General - Washington, DC

(2012-02 - 2013-02)

• Identified $2.1M in potential savings; improved capital planning and budget controls.
• Presented to Board and Executive Committees; drove adoption of accountability metrics.
• Co-designed OIG intranet in collaboration with the Information Technology Division; streamlined cross-department workflows and knowledge access.

Lead Investigative Analyst & Auditor-in-Charge - U.S. Government Accountability Office (GAO) - Washington, DC

(2006-05 - 2012-02)

• Led audits and investigations of programs ranging $21M–$375M; findings adopted by multiple agencies.
• Performed covert operations, which undercover investigative work improved TSA controls; advanced U.S. aviation safety compliance & intel community coordination (i.e., no fly list, anti-money laundering red flags etc.,).
• Acted as the International Auditors' Liaison (INTOSAI); advanced transparency and standard-setting across SAIs.
• Briefed Congress and authored testimonies; advised Comptroller General on high-risk engagements.

Executive MBA - Business Administration & Accountancy - University of Maryland, Robert H. School of Business

M.S. - Public Administration (Public Policy & Finance) - Mississippi State University

B.S. - Communications (Public Relations) - Mississippi State University