Melvin Bertulano

• Spearheaded process improvements in partnership with the Compliance Officer to streamline workflows, reducing compliance review turnaround time by 20%. • Partnered closely with the Compliance Officer to conduct final reviews of Suspicious Transaction Reports (STRs) prior to FINTRAC submission. • Task & Alert Coordination: Managed, tracked, and prioritized a high volume of open-item alerts, enforcing strict adherence to internal SLAs and regulatory timelines. • Review & Documentation Control: Reviewed complex Due Diligence (DD) and Enhanced Due Diligence (EDD) reports drafted by a compliance analyst, ensuring meticulous records management and evidence collection. • Reviewed and approved Large Value Transactions (EFTO & LCT) of $10,000+ to ensure accurate reporting prior to final submission. • Evaluated and monitored complex transactional activity across systems to detect and flag potential financial crimes and suspicious patterns.

• Directed area-wide operations alongside the Area Head, recommending policy enhancements to mitigate risk and ensure strict regulatory adherence. • Cross-Functional Coordination: Served as Subject Matter Expert (SME) and primary point of contact for 22 branches, delivering real-time guidance on operational policy overrides and risk management. • Supported the design, implementation, and oversight of the bank's internal AML/ATF Compliance Program. • Audit Excellence & Policy Implementation: Monitored compliance health and internal controls across 22 branches in the area, resulting in a 100% "Good Performance" rating on rigorous internal audits.