Joel Padilla

About Joel Padilla

I am a highly skilled and results focused Business Professional with extensive experience…

Experience

1. Assistant Vice President (AVP), Sr Aml Sanctions Specialist

   PNC

   Nov 2021 — Present · Houston, TX, US

   Implement enterprise wide and business unit Anti-Money Laundering (AML) and Sanctions Programs to prevent illegal, unethical, or improper business practices. Assist in the execution and oversight of activities to comply with the Bank Secrecy Act, AML, USA PATRIOT ACT and Sanctions Program requirements.* Update AML and Sanctions policies and procedures as needed. Ensure that Compliance Manuals, Front Office Manuals, policies and procedures accurately reflect current laws, rules, other regulatory requirements and management intent. Independently challenge analyses, reviews and recommendations.* Identify and define the AML and Sanctions objectives for assigned line(s) of business, products/services and applicable regulations. Communicate and socialize those objectives (from a leadership position) to the business. Coordinate AML and Sanctions compliance monitoring and oversee preparation of compliance reports.* Prepare AML and Sanctions compliance reports and/or customer risk profiles. Identify issues and escalate through proper governance channels as needed. Analyzes assessments of AML and Sanctions risk and internal controls. Research AML and Sanctions regulatory developments. Assists, as appropriate, in updating or implementing new/enhanced processes in order to ensure timely and effective compliance with new AML and Sanctions regulatory requirements.* Support key business initiatives by identifying AML and Sanctions Compliance risks and providing resolutions to manage these risks. Serve as a resource regarding AML and Sanctions compliance impact on such matters on overall business activities, product development and customer activities.

Education

• University of Houston

  Bachelor’s Degree

  1991

Skills

• Ofac
• Finance
• USA Patriot Act
• Retail Banking
• Fraud Investigations
• Management
• Financial Regulation
• Customer Service
• Banking
• Risk Management
• Due Diligence
• Operational Risk
• Anti Money Laundering
• Aml
• Kyc
• Regulatory Compliance
• Financial Risk
• Asset Management
• Financial Analysis
• Microsoft Office
• Bank Secrecy Act
• Leadership
• Risk Assessment
• Operational Risk Management
• Fraud
• U.s. Office of Foreign Assets Control (Ofac)
• Financial Services
• Microsoft Excel