Todd Siffel

Banking and financial-crime professional with 25+ years of experience spanning retail banking, core operations, AML/KYC, financial crimes and fraud prevention, enhanced due diligence, operational risk, monitoring and controls. Direct experience conducting KYC/AML reviews, CDD and EDD, PEP/SPF identification, sanctions/watchlist screening, negative-news research and risk assessment. Experienced SME and team leader who coached and supported 10 analysts, delivered AML/KYC training, audited workflows and procedures, identified control gaps, and provided recommendations to leadership.

Operational Risk Senior Analyst / AVP - Citi Bank N.A.

(2019-01)

• Manage control assessments and control design reviews to evaluate business control operations against departmental standards, policies and regulatory requirements.
• Review control effectiveness, identify potential risk and control gaps, and determine when existing controls should be enhanced or new controls designed.
• Provide stakeholders with updates on control implementation, effectiveness and risk mitigation affecting the firm and clients.
• Assess control and monitoring design and provide guidance on procedure development.
• Identify monitoring gaps and recommend appropriate enhancements to strengthen risk management.
• Conduct risk-management framework training and refresher sessions for business stakeholders.

AML/KYC Financial Crimes & Fraud Prevention Senior Analyst - Citi Bank N.A.

(2014-01 - 2019-12)

• Performed scheduled and unscheduled KYC reviews across multiple client types and risk business lines, ensuring documentation aligned with KYC/AML standards and procedures.
• Conducted customer due diligence (CDD), including monitoring and tracking customer records and transactions and assisting with action plans to maintain compliance.
• Performed client-profile verification and screening to identify potential politically exposed persons (PEPs), Senior Public Figures (SPFs), and sanctions/watchlist concerns.
• Conducted enhanced due diligence (EDD), including negative-news and social-media research, to assess potential financial and reputational risk.
• Partnered with internal departments to support adequate due-diligence processes and documented client-account reviews.
• Coached and supported a team of 10 analysts through ongoing communication, work-queue audits, performance evaluations, one-on-one coaching and additional training.
• Served as an AML/KYC subject-matter expert and delivered training on screening, PEP/SPF identification, investigation and risk evaluation.
• Supported a quality-control pass rate of at least 85% for KYC/AML file reviews through coaching, training and review activities.
• Assisted with creation and modification of KYC/AML procedures and audited procedures, standards and workflows to identify gaps, clarification needs and technical issues.
• Reported recommendations to leadership for process and control improvements.

Card Services - Citi Bank N.A.

(2012-01 - 2014-12)

• Provided high-touch service to card clients and handled complex account issues, including credit-line requests and product/service education.

Business Administration - Business Administration - Thomas More College (1994-06)