Regulatory Compliance for Banks and Financial Institutions. Experience spans 15 + years as control officer, compliance consultant and auditor.

1. Cathy Quesnell
Gurnee, Illinois 60031
(847) 855-2706 / cquesnell1@msn.com
https://www.linkedin.com/pub/cathy-quesnell/11/179/654
Financial services leader with over 15 years effectively managing details, communicating and
mentoring staff within a highly regulated environment
Excellent business acumen with consistent negotiation and persuasion successes amongst
multiple stakeholders and regulators
Core Competencies
• Regulatory, Fiduciary and Legal
o Negotiations
o Interpretation
o Compliance
o Review
• Compliance:
o Monitoring
o Enforcement
o Oversight
o Testing
o Remediation
• Corporate Governance
• Capital Markets/ Corporate Trust
• Audit
• Document Negotiations and Development
• Project Management
• Regulatory SME
• Patriot Act, BSA/AML/KYC/CDD, SARs, OFAC, Reg 9, SEC Regs, 1940 IAA
• Liaison to Audit, Regulators, Legal and Executive Management
• Able to lead effective teams, as well as work well on a team
• Self-motivated, entrepreneurial
• Detail oriented; excels at multi-tasking
Technical Skills
• Microsoft Office Suite
• SharePoint
• SEI
• Lotus Notes
• Outlook
• ARCHER
• Lexis-Nexus,
• OFAC reviews
• TAS, CTAS
• FiRRe
• Q-Trak
• G-Guidance
Professional Experience
INSIGHT GLOBAL November 2014 – February 2015
Consultant: Third Party Vendor Compliance
• Vetted third party vendors for regulatory compliance utilizing Archer models and prior regulatory
experience
• Managed multiple compliance testing reviews and multiple work streams while overseeing stakeholders
including contract owner, risk and compliance officers
• Detected, reported, and followed up on regulatory issues that arose. Utilized a "hands on" approach to
compliance testing, focusing on control activities within various LOBs and in related support activities
EXPERIS FINANCE August 2012 – September 2014
Consultant: Risk Advisory Services, Capital Markets

2. Internal Auditor / Project Manager, Northern Trust and Robert Baird
• Utilizing prior Control Officer/compliance and risk experience, conducted operational audits (BSA / AML)
for 3 billion dollar + financial institutions and advised clients on controls, regulatory compliance, risk and
remediation
 Conducted BSA/AML audit/uncovered violations previously audited and missed necessitating a full
audit
 Discovered violations in policy versus governing regulations necessitating overhaul of policies.
• Ensured deliverables and document milestones
• Oversaw large-scale projects i.e. FATCA and Money Market Reform
• Follow up on failed controls to determine root cause and corrective actions
• Assisted in identifying and tracking cross-project dependencies
• Administered preparation of process documentation, including narratives, walk-throughs, control
descriptions and test plans as well as determined key process financial / control risks by assessing design
effectiveness
Provided foster care for twin nieces June, 2010-August, 2012
LSS BUSINESS EXCELLENCE LLP May, 2007- June, 2010
Vice President, Consultant
Responsible for sales and corporate governance consulting projects (including SOX, BSA/AML) to lead client’s
institutional teams in regulatory compliance for this startup company.
• Provide oversight and guidance to Product Line and Operations Managers and staff in identifying,
evaluating, controlling and mitigating operational risks and ensured adequate controls. Aided in ensuring
compliance with policy and regulations
• Identify key risk indicators
• Developed operational controls and assisted with examinations and audits
BANK OF NEW YORK, Chicago, Illinois December, 2005- April, 2007
Vice President, Control Officer, Regulatory and Policy, Capital Markets, Corporate Trust
• Autonomous role enforcing corporate governance, overseeing audits, best practices and risk for bank’s most
complex LOBs while also serving as strategic and tactical partner to management and staff
• Hired to oversee policy/regulatory compliance and controls for five complex capital markets groups (50+
people) after an unsatisfactory audit.
• Provided oversight and guidance as SME to Product Line/ Operations Managers and staff of 50+
• Identified key risk indicators; defined and maintained periodic monitoring and reporting
• Tested controls including: systems, wire transactions, vault inventory, FinCen and OCC requirements and
regulations including the Patriot Act (BSA/AML, KYC, CDD), OFAC and all other SEC regulatory
compliance requirements (i.e. 1940 IA, Reg 9)
• Ensured controls were employed: tested work, identified issues and potential exposure, documented,
recommended corrective measures to management and guide to remediation. Present findings to executive
management
INDEPENDENT FIDUCIARY and COMPLIANCE CONSULTANT October 1998-June 2005
Client: US Bank, Atlanta Georgia, Consultant, Capital Markets, 2004- 2005
Developed and managed departmental review of working documents and regulatory (SEC, IA 1940, trade
settlements, et al) and document compliance and controls along with best practices reviews
Client: The Alderwoods Group, Inc., Vancouver, British Columbia, 1998- 2004
Consultant, Director, U.S Trust and Regulatory Relations
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3. • Developed and managed multi–million $$ trust reorganization project moving $2B in assets from
thousands of vendors to 7 for a business regulated by different state regulatory bodies in all 47states
• Liaison to counsel, regulators and investment management
o Negotiated operating documents and controls with regulatory officials from five states, where others
were unsuccessful, culminating in 38% improved operational efficiency and avoiding pending
sanctions
• Managed hundreds of vendor relationships
o Procured unprecedented favorable contracts, documents and operational terms through negotiations
with vendors and asset managers resulting in $3.7 million 42% savings annually
o Identified need for and supervised the audit of four major vendors resulting in significant policy
changes, negating regulatory sanction to fund shortfalls and recouping $542,000 in annual expense
• Negotiated all trust instruments, new vendor and banking arrangements and contracts, fees and relationships
• Drafted agreements, contracts, corporate resolutions, affidavits, official correspondence satisfactory to Legal
• Represented Trusts in Chapter 11 proceedings
• Responded to regulatory issues and enforcement actions. Liaison to IT, internal/external audit, legal,
regulators and executive management
BANK ONE INVESTMENT MANAGEMENT (AKA JP Morgan) January, 1991- October, 1998
VP, Trust Officer, Product Management, Personal and Institutional Trust, 1997-1998
• Developed and managed death care trusts for the bank nationwide as product and relationship manager
 Organized fragmented trusts group into line of business after determining profitability and risk, dev-
eloping business plan, controls, budget, policies, procedures and quality control under a qualified audit.
 Cleared all open items, passed audit and increased profitability by 39%
• Oversight of 1800 trusts and personnel involved in delivery of services
AVP, Trust Officer, Capital Markets (Corporate Trust) Administration, 1992-1997
• Managed debt and defaulted financings, escrows and client relationships
• Oversaw covenant compliance on Trust and governing legal documents
• Developed escrow agreements and managed escrow accounts
 Brought need to the forefront of an internal audit and led audit nationwide, advised outside consultants
and ultimately assumed oversight responsibility of all escrows after identifying nationwide accounting
and training issues and significant tax reporting exposure
 Identified and eliminated federal tax filing non-compliance. Established first tax filing procedures and
coordinated implementation among all departments, eliminating exposure and avoiding significant fines
 Salvaged two significant and difficult clients poised to move business from bank while negotiating fee
increase, reorganizing their business internally and securing $2.4MM added annual revenue
• Negotiated governing documents (trust and loan agreements, et al.) and regulatory components of debt
issuances with lenders, underwriters and counsel
• Developed and closed new business
 Co-developed bank’s first Medium Term Note program from conception to inception. Responsible for
project and all operational elements including overseeing IT team, vendor management and
coordinating with Legal and Risk Management
Certifications
Completed PMI training. Pursuing PMP certification to be followed by CAMs certification
Education
• Ohio State University/Franklin University, Columbus, OH - Finance and Banking
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4. • Select Banking and Financial Institutional risk, audit and compliance training
• Extensive PMI and AML training
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