Ana Amaral is the Vice President & BSA Officer for First Bank. She is responsible for designing, implementing, and administering the Bank’s BSA/AML Compliance program.
Ana has been in banking for over 13 years. She began her career in Risk Management with Metlife Bank, and over the next 11 years, worked with several different banks to help build and enhance their BSA programs by completely overhauling BSA/AML and OFAC Policies and applicable procedures. In one case, by using a review method covering a period of 18 months of prior activity, she succeeded in implementing an automated BSA system and had a consent order lifted in less than a year’s time to resolve regulatory issues. Ana earned and maintains her CAMS (Certified Anti-Money Laundering Specialist) certification.
Ms. Amaral is active in the Church of Immaculate Conception in Spotswood, NJ and is personally involved in supporting the mission of Monmouth Council of Boy Scouts of America.
As a BSA Officer, Brendan Ryan is responsible for ensuring that First Bank remains in compliance with the Bank Secrecy Act and the PATRIOT Act. Specific areas of focus include Anti-Money Laundering investigations, OFAC compliance, and assisting in fraud investigations.
Prior to First Bank, Brendan worked in the AML Department at Capital One, overseeing the criminal subpoena review process for the Enhanced Due Diligence Department and prior to that serving as an analyst.
Brendan is a Graduate of Loyola University of New Orleans, is a member of Krewe of Freret, and locally is a member of the Ancient Order of Hibernians.
Michelle Mack is the Vice President and Compliance Officer of First Bank. Mrs. Mack’s primary responsibility is to maintain regulatory compliance for First Bank.
Prior to First Bank, Michelle worked at Affinity Federal Credit Union as a Compliance Officer. Michelle is an accomplished NAFCU Certified Compliance Officer (NCCO) with deep expertise in consumer protection, regulatory compliance, internal audit, consumer banking, compliance testing, evaluation and reporting. She possesses extensive banking, credit union, mortgage, real estate, and commercial banking experience.
Ms. Mack earned a Bachelor of Arts in Government and Politics from Saint John’s University. She is a member of New Jersey Banking Association Compliance & CRA Committee and has been a Girl Scout Leader in Somerset County for over 12 years.