Margaret T.
Senior Governance and Compliance Specialist
Open to offersNew to PlatformAbout
Margaret T. is a highly experienced compliance professional with over 20 years of expertise in regulatory compliance, global payments, and governance within financial services, including banks, fintechs, and money service businesses. She currently serves as a Senior Governance and Controls Specialist at United Texas Bank in Dallas, focusing on strategic business governance and risk strategies, especially concerning OFAC sanctions and vendor risk management. Her previous roles include a Compliance Investigations Analyst at MoneyGram, where she conducted BSA/AML investigations and transaction monitoring, and a Senior Manager of Ethics and Compliance at Walmart, overseeing global consumer fraud and regulatory training. Margaret has also held compliance roles at MoneyGram and Mercedes Benz Financial Services, and earlier in her career, she served as a Payments Officer at Barclays Bank Uganda. Throughout her career, Margaret has demonstrated advanced skills in fraud investigations, transaction monitoring, data analysis, and root cause analysis, making significant contributions to the organizations she has been a part of.
Experience
Senior Governance and Controls Specialist (OFAC and Fraud)
United Texas Bank · 2026 — PresentContribute to the strategic direction of business governance and control functions while developing and implementing risk strategies aligned with operational business goals. Work with cross-functional teams on escalated OFAC sanctions-related issues and conduct due diligence on third-party vendors through continuous monitoring and vendor risk management. Analyze the root causes of operational governance issues.Compliance Investigations Analyst (Regulatory Reporting)
MoneyGram · 2023 — 2026Conduct BSA/AML compliance investigations for MoneyGram consumers across the US and Canada, identifying potential unusual activity related to consumer fraud and determining appropriate risk mitigation actions. Execute transaction monitoring processes and file Suspicious Activity Reports when suspicious activity is established. Detect consumer fraud trends and recommend measures for mitigation to various compliance teams.Senior Manager Ethics and Compliance (Global Consumer Fraud)
Walmart Inc · 2021 — 2022Provide subject matter expertise on compliance by identifying fraud trends and risks within Walmart Financial Services, conveying findings to senior leadership. Engage in negotiations regarding vendor contracts and manage supplier risk and compliance oversight. Facilitate compliance and regulatory training for Walmart associates and supervisors to maintain business relationships. Conduct quarterly compliance audits across Walmart locations in the U.S, Canada, and Mexico, offering recommendations for targeted training and referrals to appropriate authorities.Compliance Analyst III (Agent Oversight)
MoneyGram · 2019 — 2021Oversee compliance for MoneyGram agents worldwide identified as high risk due to suspicious consumer fraud patterns. Suggest risk mitigation strategies for high-risk agent locations, including options for suspension or termination. Assist the Regional Compliance Team with ad hoc fraud investigations and recommend risk management approaches. Analyze potential fraud threats and vulnerabilities, advising on mitigation strategies.Contracts Compliance Specialist
Mercedes Benz Financial Services · 2017 — 2018Review consumer lease contract laws and evaluate applicants' credit histories to assess the feasibility of granting auto leases. Consult with Mercedes Benz USA dealerships on compliance issues and investigations, providing necessary guidance on potential remedies. Conduct enhanced due diligence on higher-risk customers and escalate identified issues to management. Perform regular AML and KYC checks for Global Pay customers and third-party vendors.Payments Officer
Barclays Bank Uganda · 2006 — 2016Handle customer ACH and wire payments for both local and international banks. Identify customers requiring SAR filings during payment processing and escalate cases to the FIU team. Conduct global sanctions checks on wire transfers received through SWIFT that exceed the $5,000 threshold before processing. Document research findings to support decisions related to fraud incidents, and perform KYC formality reports on suspicious consumer accounts.
Skills & Expertise
Education
- Bachelor of Arts in Development StudiesMbarara University of Science and Technology · 2002 — 2006
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