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Our Clients Say
"Our relationship with Banker’s Toolbox has been a very valuable one. We continue to work with them, because of their high level of service and caliber of skills. Banker’s Toolbox is unique among software companies, because they are bankers, and as such, they clearly understand the industry, its regulatory requirements and how those requirements impact a bank’s operations."
-Grace Nagel
SVP & Director of Compliance
Community Business BankRead More Testimonials
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 Southern First Bank's Success Story
Reducing Wire Processing Time by 80% with WirePro More Info
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Meet Our Consultants |
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Who Are They?
The consulting team is a powerful trio of industry expertise:
- Maleka Ali, CAMS: Former BSA Officer, operations and risk management specialist.
- Michelle Lucci, CRCM, CAMS: Former dual-commissioned FDIC examiner and BSA compliance officer.
As former compliance specialists, operations managers, and BSA/AML officers, the Banker's Toolbox Consulting team is prepared to offer personalized consulting services that fit the size and complexity of all regional and community financial institutions.
Risk Management Consultants
 Maleka Ali, CAMS
Manager, Consulting & Education
Maleka Ali is a seasoned professional with over 27 years experience servicing the financial community in the areas of Bank Operations, Risk Management, and Compliance. Maleka has worked heavily with OFAC and BSA compliance and is knowledgeable in the USA PATRIOT Act and the international AML principles and guidelines set by the FATF, Wolfsberg Group, and Basel Committee.
Maleka has been with Banker's Toolbox since October 2005 and is currently a Risk Management Consultant servicing the financial community in all areas including Operations, Fraud, Compliance, and Risk Management. At Banker's Toolbox, she has advised over 200 financial institutions on BSA/OFAC compliance and how to effectively utilize automated monitoring systems.
Prior to joining Banker's Toolbox, Maleka worked at several financial institutions ranging from a denovo bank to a multi-billion dollar institution. She has developed and implemented BSA programs along with comprehensive risk assessments at two of her former banks.
Maleka is a Certified Anti-Money Laundering Specialist (CAMS). She has served as faculty member on BSA/AML at America's Community Bankers National School of Banking and has served as a guest speaker and workshop instructor at various national conferences, including the Association of Certified Fraud Examiners, addressing the subjects of BSA/AML/OFAC compliance and its various applications, risk assessment management, fraud and identity theft. | | |  Michelle Lucci, CRCM, CAMS
Risk Management Consultant
Michelle Lucci is an accomplished professional who has worked in the banking industry for over 25 years. She has a thorough working knowledge of all federal banking regulations, examination procedures, and rating systems. To add, she is well versed in writing risk assessments, policies, and procedures, interacting with federal examiners, state examiners and holding company auditors, and administrating comprehensive training programs through classroom instruction and online courses. She is also experienced working with newly formed or charted denovo institutions, small community banks, large money center institutions, and international organizations.
Prior to joining Banker’s Toolbox, Michelle was employed by a community state chartered financial institution as their BSA, Compliance, OFAC, and Community Reinvestment Act Officer. Additionally, she has extensive experience as a Commissioned FDIC Bank Examiner in Risk Management and Consumer Compliance working out of the New York and Atlanta FDIC regional offices.
Michelle holds two of the banking industry’s most prestigious certifications – the Certified Regulatory Reporting Manager (CRCM) and the Certified Anti Money Laundering Specialist (CAMS). | | |  Jane Lee
BSA/AML Financial Consultant
Jane has over 6 years in BSA/AML Operations and Compliance in the banking industry. She has experience in working for both small to large Community Banks with assets ranging from $500 million to $50 billion, in addition to a global financial institution.
Jane joined Banker’s Toolbox in October 2010. Jane has specialized background in conducting Enhanced Due Diligence (EDD) on complex and high-risk industries including not limited to Subpoenaed cases, CTR Exempts, Investment Advisers and Securities Brokers, Defense Articles, Money Service Businesses, Charities & Private Foundations, and Life Settlements. Her day-to-day responsibilities were comprised of investigating accounts for possible suspicious activities, providing guidance and assisting other colleagues on complex industries, drafting and submission of Suspicious Activities Report (SAR), performing financial and data analysis, as well as maintaining accurate internal logs and pipeline reports.
Through her BSA/AML knowledge and strong analytical skills, Jane has presented case-studies for complex industries and various money-laundering activities, conducted department-wide trainings to streamline and enhanced production & quality of SARs and EDDs, and assisted in developing and implementing new and improved procedural practices and policies to effectively monitor account activities, validate customer background, analyze transactions and financials, research various industry sectors, and assess appropriate risk ratings for low, moderate, and high risk clients.
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SOLUTIONS for the financial industry
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