Michael To
New York, New York,United States
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Michael To is a highly accomplished and results-oriented Certified Anti-Money Laundering Specialist (CAMS) with over a decade of experience in financial crime compliance, risk management, and regulatory affairs within the financial services industry. He possesses deep expertise in developing and implementing robust AML/CFT frameworks, conducting complex investigations, enhancing due diligence processes, and navigating evolving global regulatory landscapes. Michael is recognized for his analytical acumen, strategic thinking, and ability to lead cross-functional teams to mitigate financial crime risks effectively. He is passionate about leveraging technology and data analytics to enhance compliance programs and foster a strong culture of compliance.
Professional Summary
Michael To's work history includes a series of influential roles in various companies. Here is a detailed list of his professional journey:
Notable Achievements
CAMS Certification
Earned the prestigious Certified Anti-Money Laundering Specialist (CAMS) credential, demonstrating expert knowledge in AML/CFT principles, international standards, and best practices.
Led Regional AML Program Enhancement
Spearheaded a comprehensive review and enhancement of the AML/CFT program for a multinational financial institution across the APAC region, resulting in significantly improved detection rates and regulatory adherence.
Implemented Advanced Transaction Monitoring System
Successfully managed the selection, customization, and implementation of an advanced transaction monitoring system, leading to a 25% increase in the efficiency of suspicious activity reporting and a reduction in false positives.
Developed Sanctions Compliance Framework
Authored and rolled out a new sanctions compliance framework, including policy, procedures, and training, ensuring robust adherence to OFAC, UN, and EU sanctions regimes.
Industry Speaker on FinCrime Trends
Invited to speak at multiple industry conferences and webinars on emerging financial crime typologies and innovative approaches to AML compliance.
Educational Background
Bachelor of Arts (B.A.), East Asian Studies
Hamilton College - Year 1996
Business Economics
Capital University of Economics and Business - Year 2000
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Company Overview
Bank of AmericaBank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. It is one of the 'Big Four' banking institutions of the United States, offering a wide range of financial products and services to individuals, small and middle-market businesses, and large corporations. These services include retail banking, commercial banking, wealth management, and investment banking.
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