Angela Ratliff is the Financial Crimes Compliance and Operational Risk lead for the Payments business at U.S. Bank overseeing issuing and acquiring risk, including the Elavon and Elan brands, reporting to the Payments Chief Risk Officer.  Angela and her team work closely with the business line and second line to ensure a proper balance of risk/reward needed in a dynamic environment.  She enables the business through initiatives such as creative solutions to reduce customer onboarding time or driving best practices for a risk-based KYC refresh. She drives a forward-looking risk view in key operational areas such as Vendor Management, Complaints, and Operational Loss across Payments’ global footprint.

Angela joined US Bank in 2017.  Prior to this, Angela spent 12 years at Bank of America where she most recently led a team of Risk Managers covering Global Financial Crimes Compliance for Bank of America’s Retail Bank. She provided oversight for financial centers, digital banking, contact centers and automated teller machines.  Her team was responsible for risk assessments, issue management, monitoring, and testing for the Retail customer base, including Currency Transaction Reports.   During her tenure Angela received accolades from law enforcement officials for championing business changes that were instrumental in the conviction of money launders and human traffickers. She also represented Bank of America in the Retail Bank workgroup meetings for the Wolfsberg Group, an association of 13 global banks that develops industry standards for AML.

Prior to this, Angela worked in Business Support for the EMEA President and Chief Operating Officer.  She has worked on multiple acquisitions, including US Trust and Countrywide.

Angela is passionate about making US Bank a great place to work through leadership development and giving back to the community. She serves as a Mentor for Queen City FinTech, where she advises emerging technology companies from all over the world on risk management, compliance, and process improvement.  She also speaks at industry events as a recognized subject matter expert in both financial crimes and payments.

Angela holds a Bachelor of Science in Mathematics from Florida State University. She is a Certified Anti-Money Laundering Specialist (CAMS) and is Six Sigma Black Belt certified.  Angela currently resides in Charlotte, NC, and previously worked for Bank of America Merrill Lynch in London, UK from 2010 – 2014.  Angela has two daughters, Imogen (5) and Poppy (2).