Lon Smith
Senior Manager Compliance at American Express
- Role
- Compliance Senior Manager at American Express
- Location
- St. Petersburg, FL, US
- LinkedIn followers
- 500 followers
About Lon Smith
Over 20 years of experience within the financial industry including leadership and expertise in Compliance and Fraud/Risk. Regulatory expertise in Sanctions screening (OFAC), Anti Money Laundering (AML), Prepaid Access, Customer Identification Program (CIP) and Know Your Customer (KYC). Operational and regulatory knowledge of products including Prepaid, Automated Clearing House (ACH), Debit, Credit and Peer to Peer. Experienced in data mining and data analysis using Oracle SQL, Microsoft Access, and Microsoft Office.
Experience
Compliance Senior Manager
Oct 2012 — Present · Saint Petersburg, FL, US
Provide regulatory compliance oversight and guidance for business development initiatives through maintaining working knowledge of relevant requirements, laws, regulations, and company policies- Support stakeholders of the Issue Management program in ensuring that compliance issues are processed and completed timely and accurately through the Corrective Action process- Facilitate remediation and assist with developing enhancements for control deficiencies identified through customer complaints, business self-testing, internal audits, and regulatory exams- Responsible for the review and approval of marketing collateral, customer communications, and servicing procedures- Primary Compliance liaison to partnering pillars departments such as Fraud Risk, Financial Intelligence Unit, Complaints, Operational Risk and Legal- Assisted with the assessment and improvement of 56 Automated Controls leading to the reduction of false positives by 97%- Played integral role with the risk team in designing and implementing Account Takeover (ATO) rules which reduced fraud losses by approximately 70% and strengthened the ID Theft Program- Assisted Risk with enhancing onboarding KYC rules while minimizing fraud exposure that resulted in a 5% improvement in approval rate.
Education
University of South Florida
Master's degree, Management
Eckerd College
BA, International Business
Skills
- Process Improvement
- Toad
- Kyc
- Oracle Sql
- Monarch Pro
- Credit Risk
- Fraud
- P2p
- Visio
- Data Analysis
- Data Mining
- Financial Risk
- Aml
- Microsoft Office
- Credit Card Transaction Processing
- Risk Management
- Access
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