Renata Osei-Bonsu

Profile

Senior Compliance Officer with 11 years of experience in financial services regulatory compliance, BSA/AML program management, and enterprise risk governance. Deep expertise in SEC, FINRA, and OCC frameworks with a track record of building audit-ready compliance infrastructures from the ground up. Reduced regulatory findings by 62% at prior employer and led a firm-wide TILA-RESPA remediation that avoided an estimated $4.2M in potential penalties.

Work Experience

Senior Compliance OfficerMar 2020 - Present

Meridian Capital Partners, Charlotte, NC

Redesigned the firm's BSA/AML monitoring program, reducing false-positive alert volume by 38% while increasing SAR filing accuracy to 99.1% across 14,000+ monthly transactions.
Built and deployed a FINRA Rule 3110 supervisory framework covering 210 registered representatives, cutting examination deficiency findings from 17 to 4 in the first full audit cycle.
Led cross-functional response to an OCC thematic review, coordinating 6 business units and producing 340+ pages of documentation; exam closed with zero Matters Requiring Attention.

Compliance Officer IIJun 2016 - Feb 2020

Harwick Federal Savings Bank, Atlanta, GA

Managed end-to-end TILA-RESPA Integrated Disclosure remediation for 8,200 loan files, resolving a regulatory consent order 4 months ahead of schedule and avoiding an estimated $4.2M in civil money penalties.
Developed a risk-tiered vendor due-diligence program covering 95 third-party relationships, achieving a 100% on-time review rate for two consecutive FDIC examination cycles.
Delivered 22 compliance training sessions annually to 400+ employees across retail banking and mortgage divisions, reducing policy-violation incidents by 41% year-over-year.

Compliance AnalystAug 2013 - May 2016

Thorngate Securities LLC, Nashville, TN

Conducted daily surveillance of 1,200+ brokerage accounts for insider trading, market manipulation, and suitability violations using Bloomberg AIM and Actimize platforms.
Drafted and maintained 34 written supervisory procedures aligned to FINRA and SEC requirements, supporting three consecutive clean FINRA cycle examinations.
Assisted in onboarding a new trade surveillance system that reduced manual review hours by 27% and improved alert triage time from 4.2 days to 1.8 days on average.

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