1. Alvin R. Clay
457 Parkside Avenue clayac12@me.com
Buffalo, New York 14216 716-936-0893
Summary of Qualifications
Experienced Operations Manager. Demonstrated success in utilizing industry management and
investigative techniques to optimize processes, streamline operations, manage risk and
maximize profits. Utilize exceptional knowledge of Fraud Risk operations within diverse fraud
groups. I also have 10+ years of project management, quality assurance and technical planning
experience with an emphasis on operations. I worked directly with the department director and
different lines of business teams to educate personnel on all fraud schemes and current trends.
Education
M.B.S. Business Management Roberts Wesleyan College Rochester, NY 2008
B.S. Business Management Houghton College Houghton, NY 2000
Professional Experience
ENHANCED DUE DILIGENCE INVESTIGATOR /QUALITY ASSURANCE II 2013 to Present
M & T Bank Buffalo NY
Responsible for Enhanced Due Diligence quality review and limited investigation depending on
production needs within the AML Compliance department. Currently assisting with our
remediation, Business as Usual and Refresh quality review. I am responsible for employee
training and feedback for cases under review. Other responsibilities include case management
and training assigned Quality Assurance I personnel through the review process. My duties are
to ensure strict adherence to Federal regulatory compliance laws for all remediated cases
within scope including the Bank Secrecy Act and Anti-Money Laundering (BSA/AML)
requirements, USA PATRIOT Act and OFAC. Related functions include Customer Due Diligence
(CDD), Customer Information Program (CIP), and Enhanced Due Diligence (EDD) review of high
risk customers. Duties also include the following:
• Ensure timely customer due diligence and enhanced due diligence reviews, as well as
the timely and accurate filing of suspicious activity reports.
• Provide direct oversight on investigative case quality to ensure and enhance team
performance within operations.
• Responsible for alerting management of current trends and training issues for
efficiencies within team scope.
• Review investigative cases, typically of the largest and most complex nature, to ensure
compliance with applicable internal policies and procedures and external regulations.
• Conducts due diligence research/investigations on high risk potential and existing
clients.
• Manage and oversee cases of both new and experienced investigators as needs are
identified and provide expertise and support to the AML/BSA Compliance organization
on research techniques, capabilities and systems. I also act as a coach to more junior
team members reinforcing and advancing their skills and techniques.

2. SR. FRAUD PREVENTION MANAGER & SR. EXTENDED OPERATIONS MANAGER 2003 to 2013
HSBC & Capital One Banks Buffalo NY
Manage and lead the operational risk activities of the business in accordance with the company
operational risk framework. Maintained awareness of major regulatory changes affecting
assigned business; ensured appropriate communication and development of policy/procedural
changes to remain compliant in an ever changing environment. Maintained internal control
standards, including timely implementation of internal and external audit points together with
issues (if any) raised by external regulators. Duties also included the following:
• Led detailed analysis of existing functions to determine process/dependent systems and
key metrics.
• Good managerial, communications, analytical, organizational, project management,
planning skills, and fraud risk reporting.
• Worked with legal and lines of business management to design and implement changes
to policies and procedures as appropriate.
• Provide coaching and feedback for general performance measurement issues, such as
productivity and quality through a formalized review process.
• Identify control deficiencies an procedures and controls to mitigate risk and loss
• Identify inefficiencies to reduce expense through improved technology builds or process
changes.
• Promote an environment that supports diversity and company brand ethics.
• Prepare monthly, quarterly and annual reports for quality & productivity.
• Extensive experience with Regulations Z, CC, and E.
AVP FRAUD PREVENTION MANAGER 2001 to 2003
HSBC BANK USA, N.A. Buffalo NY
Manage the Check and Deposit Fraud teams for the Retail product of HSBC Bank. Within that
group, I also lead a team of Check Kiting investigators for the Credit Card product of HSBC Bank
that included experienced analysts and investigators who worked alerts and investigations for
Branch Operations. I provided project management oversight for vendor/systems
implementation and maintenance for several bank products. Monitored analytics team
activities to ensure delivery of timely, quality and accurate management information on case
reviews. Other duties included the following:
• Control of system entitlement and access level through monthly review.
• Conduct needs assessment with current and potential internal/external customers.
• Monitor and act on daily information while coaching and training a wider branch team
in support of business needs & goals.
• Worked with a broader team network (Salinas, CA), support and direct teams to ensure
achievement of the business performance measures.
• Manage large scale process with an emphasis on re-engineering initiatives across 3
business lines with the purpose of improving efficiency, decreasing costs, and improving
service.
SENIOR FRAUD RECOVERY INVESTIGATOR 1995 to 2001
Marine Midland Bank & HSBC BANK USA, N.A. Buffalo NY

3. Conducted fraud reviews and risk for Branch Operations and Credit Originations in regards to
deposit, cards and ATM portfolios. Extensive knowledge of generally – accepted, investigative
techniques used in the review of financial and white-collar crime. Duties also included the
following:
• Evaluate, develop and recommend process improvements through interaction with user
team.
• Provided end user training and business support regarding basic application, usability,
and business processes.
• Network/navigate through the organization in order to troubleshoot, escalate, and
resolve issue of complex nature in an attempt to bring appropriate closure.
• Demonstrate people leadership, including coaching and mentoring skills.
• Develop external contacts among industry peer groups to determine and validate best
practices within the industry.
SPECIAL INTERESTS
I am a member of the Macedonia Baptist Church where I serve as an Associate Minister. I enjoy
teaching, traveling, and playing golf.
References upon request