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Christina Rea, Esq.
  • AML/fraud
  • Blockchain & cryptocurrencies
  • Chief Compliance Officer (CCO)
  • Fintech
  • Payments
  • Regulatory Compliance
  • Retail banking

Christina Rea, Esq.

Christina Rea, Esq. the founder of RayCor Consulting, LLC. She has over 10 years of experience acting as a senior compliance manager and Chief Compliance Officer/BSA Officer for a variety of financial institutions, with a specialty in Fintechs, cryptocurrency exchangers, and other Money Service Businesses. She utilizes her extensive background in AML and MSB compliance to provide expert witness testimony on complex financial matters involving anti-money laundering, fraud, and cryptocurrency. She also works on international financial litigation cases as an expert witness team lead, including for sensitive anti-money laundering litigation matters that require a great deal of confidentiality.

Ms. Rea provides fractional Chief Compliance Officer services for all manners of fintech startups, RegTech vendors, and local banks and FIs. In addition, she provides AML, Sanctions, fraud, and consumer protection compliance advisory & remediation services, compliance training, and independent AML audits. She has worked with some of the largest cryptocurrency and payments companies in the world, including serving as BSA Officer at Uphold.com, CCO at Binance.US, and advisor to Gate.io, ByBit.io, and CEX.io. She has extensive experience assisting MSBs obtain money transmitter licenses, including the NYDFS BitLicense, and assists banks and Fintechs with bridging the compliance -banking partner gap by assisting with Banking-as-a-Service compliance and due diligence requirements.

She frequently presents on AML issues at national and international conferences and has published multiple articles on financial crime topics. She serves as a content advisor and subject matter expert for a variety of regulatory and financial tech partners.

Industry Experience
Education
Areas of Expertise
Publications
Speaking Engagements
Keywords

Industry Experience

RAYCOR CONSULTING, LLC/ New York, NY

Co-Founder/CEO. Consulting expert in AML and fraud issues in civil cases in the U.S.

2022 - Present

ORQUID, CCO

2023 - Present

BULL BLOCKCHAIN LAW, AML/Fraud Expert Witness

2023 - Present

STRING, CCO

2022 - Present

ENIGMA MARKETS, CCO

2022 - Present

Law Office of Ross Delston, Team Lead of AML Discovery

2023

ByBit, CCO

2022

CR COMPLIANCE CONSULTING

AML & Fraud Consultant

BINANCE.US

Interim CCO

UPHOLD.COM

Pro Tem BSA Officer

VELOCITY MARKETS

CCO

2019 - 2020

MPHASIS

Chief Compliance & Legal Officer

HSBC

AVP, AML Compliance Manager

NAVIGANT CONSULTING

Senior AML Consultant/Project Leader

Education

SUFFOLK UNIVERSITY LAW SCHOOL

Juris Doctor

BENTLEY COLLEGE

Bachelor of Science, Finance, Honors

Areas of Expertise

Chief Compliance

Risk Assessments

Management

Fintech & Crypto compliance

Blockchain analytics

Transaction Monitoring

Onboarding

Sanctions Controls

BSA/AML Compliance

Operationalizing programs

Remediation

Scalability

Governance

Audits

Regulatory compliance

Money Transmission Laws (MTLs)

US & UL Licensure

BitLicense acquisition

Publications

“Compliance Officer Resources: 5 Underground Channels to Explore”

Blog Post for Unit21, February 10, 2023. Unit21 Blog Post, "Compliance Officer Resources"

Speaking Engagements

WOMEN IN COMPLIANCE: THE FINTECH EDITION. Hosted by Clausematch

One of six panelists in a 60-minute session discussing women’s contributions to the world of compliance in the fintech industry; watch here: Clausematch Webinar, "Women in Compliance."

5 EVOLVING FRAUD TRENDS IN THE BANKING INDUSTRY. Hosted by Unit21

Guest speaker for a Unit21 webinar on detecting and preventing fraud for fintech companies; watch here: https://go.unit21.ai/register-5-evolving-fraud-trends-in-bankin

Sponsor Banks & Banking as a Service:

The Importance of Choosing the Right Tech Vendors”, Blog Post for Persona, May 30, 2023.”. https://withpersona.com/blog/sponsor-banks-banking-as-a-service

HOW TO ENSURE SAFE AND COMPLIANT ONBOARDING WITHOUT SACRIFICING YOUR CUSTOMER EXPERIENCE. Hosted by Persona.

ne of four panelists in a 60-minute session discussing how to balance KYC and onboarding requirements with a user friendly experience

COMPLIANCE IN WEB3, DEFI, AND DESCI. Hosted by Persona

First guest speaker in the Persona spotlight series; spoke on all things compliance in the Web3 and DeFi fields, as well as the burgeoning field of DeSci; watch here: https://help.withpersona.com/podcasts/6FtcjCouoMruT7PXJe4H3z/episode-1/

DIGITAL ASSETS COMPLIANCE: AML, SANCTIONS AND REGULATORY OVERSIGHT: 2ND FORUM. Hosted by American Conference Institute.

Co-hosted a panel titled "The Legal and Compliance Pitfalls of Pilot Programs, Test Cases, and New Products: How to Prioritize Compliance from the Start."

Expert Keywords

  • 2008 mortgage crisis
  • advisory services
  • AML discovery team
  • anti-money laundering (AML)
  • artificial intelligence (AI) for AML/BSA compliance
  • audit plan reviewer
  • Bank Secrecy Act (BSA)
  • banking-as-a-service
  • Binance
  • BitLicense application
  • blockchain
  • blockchain governance
  • compliance and legal officer
  • Consumer Financial Protection Bureau (CFPB)
  • correspondent banking
  • crypto
  • cryptocurrencies
  • cryptocurrency compliance
  • embassy banking
  • Federal Reserve Board (FRB)
  • financial crimes compliance
  • FinTech
  • fraud
  • fraud detection & prevention
  • General Data Protection Regulation (GDPR)
  • Know-Your-Customer (KYC)
  • matters requiring attention (MRAs)
  • money service businesses (MSBs)
  • Money Transmission Laws (MTLs)
  • money transmitter license application (MMLA)
  • Mphasis
  • Nationwide Multistate Licensing System (NMLS)
  • Office of the Comptroller of the Currency (OCC)
  • Payment Services Directive II (PSDII)
  • politically exposed persons (PEPs)
  • remuneration guidelines
  • risk-based BSA/AML programs
  • sanctions
  • Suspicious Activity Reports (SARs)
  • training and audits
  • web3

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