1. ANTOINE D. WELCH
4828 Maryland Ave Phone: (205) 705-6963
Birmingham, AL 35210 Email: mradwelch@gmail.com
BUSINESS MANAGEMENT PROFESSIONAL
Specialist in Financial and Compliance Business Management
Talented and driven financial and compliance management leader with over 10 years of experience in financial services, lending,
customer service, compliance and business banking development arena. Possesses effective combination of negotiation, closing,
customer management, and team-building skills that consistently contribute to operational objectives, even within volatile markets.
Experienced professional with the ability to add value to an organization through unique business development strategies, communication,
problem solving, and relationship building skills, to foster revenue growth, gaining market share and achieve organizational goals.
Knowledgeable of what it takes to impact bottom-line efficiency and profitability.
AREAS OF EXPERTISE
Customer/Client Relations Project Management Sales & Business Development
Team Building & Leadership Staff Development &Training Financial Product Delivery
Transaction Processing Human Resources Management Strategic Planning
Risk/Loss Prevention Management Quality Assurance Management & Operations
Cost Reduction Strategies Facilities & Safety Controls Financial/Accounting Compliance
Oral, written and presentation skills Proficient in MS Office Products Ability to work independently
Excellent Organization Skills Time Management Skills Banking Policies and Procedures
Data Management Corporate Governance Regulatory Examination Experience
PROFESSIONAL EXPERIENCE
BBVA COMPASS BANK, Birmingham, AL 2010-Present
BSA/AML Analyst – KYC/EDD/CDD/CIP/AML/OFAC/CTR
 Ensures that Know Your Customer documentation and information is in compliance with bank and federal regulations.
 Monitors international personal and commercial deposit relationships for high risk geographies, PEPs, and foreign businesses.

2.  Performs searches, obtains, and reviews client documentation and assures that the KYC due diligence review is evidenced by the
Customer Information Profile (CIP) and Know Your Customer (KYC) form.
 Supported line of business (Retail, Commercial, International Commercial, IWMG, Corporate and Investment) or other
workflows and exercises independent judgment in performing file reviews.
 Effectively communicate compliance issues to Compliance Director and other appropriate lever of management.
 Complete QC reviews and trained BSA specialist on job duties.
 Coach specialist and identify areas of improvement to comply with BSA policies and procedures.
 Participates in process of establishing clients risk rating depending on business type, ownership, and product offering.
 Track on-going projects, and outstanding issues to include deliverables and milestones.
 Submit written recommendation to Senior Vice President/ Bank Secrecy Act Compliance Director to approve or deny accounts.
 Review and monitor monthly reports for upper management to identify high risk customers are reported correctly.
 Perform risk weighted risk assessments on various lines of business (Retail, Commercial, IWMG, Corporate and Investment).
 Present findings of risk assessments to business units and work to obtain business unit responses in a timely manner.
 Develops partnership and open line of communication with applicable business units.
 Communicate and relate to all levels of management.
 Liaising among different support, control and line of business units
 Work effectively and independently in a high-pressure environment, meet deadlines and make sound decisions.
 Prepare various forms of written communications
 Stay abreast of BSA/AML/OFAC/CTR/Corporate and Consumer Compliance regulations, laws and policies.
 Conduct due diligence and complete SAR referrals on identified high risk customers.
CC FINANCE COMPANY, Birmingham, AL 2007-2010
Area Operations Manager
 Managed a multi-unit territory of 3+ financial transaction processing centers with annual revenues totaling over $3million.
 Oversaw teller lines with the lending officers and facilitated financial services in a customer-centered environment.
 Spearheaded campaigns to meet and exceed corporate financial objectives for each quarter.

3.  Analyzed and forecasted overall profitability and generated feasibility reports.
 Performed periodic reviews and audits through transactional testing and process reviews to comply with state and federal
regulations.
 Led ongoing professional development training and performance evaluations to promote productivity and efficiency.
 Prepare written communications with review results to VP of Operations and Compliance.
 Completed quality control for district to maintain corporate policy and guidelines are in compliance.
 Facilitated communications between the center and interdepartmental units to ensure overall compliance and reporting.
 Monitored customer transactions to ensure legal compliance with the Bank Secrecy Act and accounting protocol.
 Assist and managed planning and scheduling action items in sequence and in parallel
 Managed and monitored progress to completion for all units
 Prepared and maintained summary and detailed reports
 Managed with tracking and maintaining unit’s policies and procedures.
SITEL CORPORATION, Birmingham, AL 2004-2007
Contact Center Outsourcing Manager – Customer Relations
 Developed industry-specific competencies to respond to unique demands in Verizon and Capital One vertical markets.
 Provided training opportunities for customer service personnel on quality and customer-first practices.
 Ensured adherence to policies and procedures established by the Federal Communications Commission, United States Card
Operations, and SITEL Corporation in account management processes.
 Maintained time clock adjustments, payroll, and call center staffing matrix.
 Completed weekly quality control for over 30 plus employees to coach and identify areas of improvement and comply with FCC
regulations and Capital One policies and procedures.
PROFESSIONAL CREDENTIALS
Education BS Computer Engineering & Business Management (candidate), Jeff State Community College, Birmingham, AL
Technology Advanced Proficiency in QuickBooks, MS Word, MS PowerPoint, MS Outlook, MS Excel, PC, Adobe, C-Net,
Lexis Nexis, World Compliance, Remedy, Alnova, Web-Ex, I-Archive Viewer, Signature Card and FCCM (Oracle)