Andrew Lubow, MBA

525 WEST 236TH STREET, BRONX, NY 10463 C: 917-763-3652 ALUBOW10024@HOTMAIL.COM

Audit and Operational Risk professional with over 15 years experience testing procedures, identifying
deficiencies and implementing solutions for financial firms to ensure policy and regulatory
compliance. Strong history of adding value to existing steps resulting in higher efficiencies.

Accomplishments:
 Wrote an improved test plan at the Bank of New York for unclaimed property testing that was adopted
by management.
 Developed an automated faxing tool for the confirmation unit at Morgan Stanley preventing trade
information from being faxed to the incorrect contra party. This tool produced kick out reports for failed
faxes while generating audit reports for management review.
 While at Morgan Stanley, aided supervisor in assigning tasks to the staff for improved work flow
efficiencies. Monitored staff in these jobs leading to improved attitudes and work habits.
 Automated the reporting process of unclaimed property to the various States at Merrill Lynch by using
excel spreadsheets instead of manual reporting forms. Moved the processing and prepping of the
reporting information from 1 day to 4 hours.

CORE COMPETENCIES
• Audit Reporting to Management
• Operational Risk Identification
• Risk Control Self Assessment and Corrective
Action Recommendation
• Procedural and Transactional Testing Development
• Creation and testing of Customer Relationship
Management Systems
• BSA, AML, KYC Compliance
• SAR and CTR Reporting Requirements
• FINCEN and OFAC Knowledge
• Regulatory and Compliance Oversight

PROFESSIONAL EXPERIENCE

MICHAEL SID & ASSOCIATES, New York, NY 2/2010 to 4/2010

Consulting firm offering solutions to information and technology services issues
Contractual Consultant
• Wrote test plans, scenarios and steps for a major integration of a Customer Relationship Management system
(Salesforce) with a customer’s homegrown systems (Billing and Ad Campaigns), partnered with the design team in
identifying areas in need of improvement.

MEDIA MORPH, New York, NY 4/2009 to 7/2010

Media Morph Manages the Business of Digital Entertainment - Making it More Measurable, Transparent and
Predictable.
Business Consultant
• Created controls that were missing as part of a review for the SAS 70 (Operational Controls) audit and
documented those controls that were in place.

BANK OF NEW YORK MELLON, New York, NY 2/2007 to 11/2008

Control Officer
Developed and reported quarterly tests to aide management in controlling operational risks within the organization,
collaborated with the Control team on Reg AB Q & A for NY Operations and other departments within the Firm.
• Identified inconsistencies in Document Custody records and implemented a plan to correct these errors.
• Audited access lists for key operational employees leading to the development of a secondary source of a weekly
updated feed to insure accuracy of the access lists.
LOMTO Federal Credit Union, New York, NY 8/2005 to 2/2007
Compliance and Operations Department
Assistant
Performed compliance and operations tasks for the Credit Union by ensuring Bank Secrecy Act, Know Your Customer
and Anti Money Laundering compliance were adhered to.
 Wrote disclosures for new products.
 Created and implemented procedures for the Credit Union.
 Identified changes in regulations that affected the Credit Union.
 Researched service offerings from outside associations and summarized these offerings to management.
 Assisted in setting up computer systems and backed up Credit Union information on a weekly basis.
• Audited customer account files for inconsistencies leading to a new format for customer verification and employee
training.

MORGAN STANLEY & CO., Brooklyn, NY 10/1996 to 10/2004

Confirmation and Count Control Unit, Operations Risk Department
Senior Associate (2000-2004)
Associate (1996-1999)
Managed the workflow of four individuals and oversaw audits covering all aspects of regulatory rule 17A-13 involving
issues of possession and control of the firm’s books and records. Updated and compiled reports for Senior
Management as mandated by the NYSE.
 Analyzed and tested a unique control log system which ensured the accuracy of internal communications and
improved response time.
 Managed all data on legal and regulatory requirements.
 Supervised quarterly vault counts.
 Verified and reconciled custodial accounts, fails, repurchase agreements, stock loans/borrows.
 Interacted directly with controllers, internal auditors, contra banks/brokers and office personnel.
• Created and eliminated replication of control processes by adding new guidelines that improved efficiencies in the
auditing functions.

MERRILL LYNCH, Jersey City, NJ 7/1987 to 10/1996

Confirmation and Count Control Unit, Escheatment Department
Research Report Specialist
 Monitored Institutional Domestic and Offshore client accounts.
 Compiled management reports on a weekly and monthly basis, i.e. Weekly Review of Allocation accounts,.
Monthly No-Name accounts and Non-Compliance Items.
 Maintained a database of accounts to add, delete and assign accounts internally for optimum monitoring of
results.
 Reported and remitted unclaimed property to include reconciliation of accounts, review of state escheatment
laws/procedures and review of accounting entries.
 Provided PC support for special projects, enhancements, and program guidance.
 Wrote detailed procedures for the escheatment of unclaimed property and regularly advised the State
Comptrollers of updates.
• Designed control logs to track differences and responses from 17A-13 audits and items suspended for 15C3-3,
Customer Reserve calculation. Decreased tracking time from four hours to one hour, providing management the
capability of viewing the audit results as they progressed

TECHNICAL SKILLS
Microsoft Word, Excel, Windows, Access, Internet, PowerPoint, Visio, Outlook and Netscape.
EDUCATION
MBA, Management Information Systems, Pace University, New York, NY, 1994
BA, Mathematics, Skidmore College, Saratoga Springs, NY, 1985