Josh Oliveira

Dad of 3 (& Autism Dad), Husband, First-Gen American, US Marine Vet. I like politics, obscure music, hip-hop and old movies. Online, my commentary has been called radically socialist and far-right extremism, clearly indicating that I am totally in the center.

At work, I build bots. When they misbehave, I give them a good whack (the "SNES" technique for biz continuity). As a risk manager, I like this job, because there's a lot less HR issues and it's helping me prepare for the fight.

SVP, Risk Transformation

Risk Transformation PMO (2021-Present):
-Interim BU Chief of Staff and led activities to scale from 15 to 85 FTE
-Governance for 100+ Consent Order remediation and bank transformation deliverables
-Oversaw initiatives to transition 3rd party resources to our internal PMO

A few years ago, BBC reported how more people died of drug overdoses than of Covid in San Francisco over a 1/yr period. Now that POTUS is trying to do something about it (i.e. sending dealers to the bottom of the ocean)... it's a humanitarian crisis, because it's Trump. 

Hysteria drives clicks.

Content may contain traces of human error and existential dread.

Anti-AI posters on LinkedIn: look at AI from the lens of a founder or CEO who runs a large org and their biggest expense is people. 

Cut through the noise: people don't make as many decisions as they think. Most of our jobs are to gather data (both qualitative and quantitative) and package it up in a way for other decision makers. Getting A and B and making sure it follows C and D. 

AI can do that better than humans. 

Prompting ChatGPT is old news. Agents and custom bots can be trained on rules, processes, procedures, etc. and a majority of white collar jobs are just managing that information. AI is a tool that can do that quicker and more efficiently, and in many cases more controlled (or likely to be as the model gets fine tuned and evolves—that's what is being built now).

The writing is on the wall: why are companies investing more in AI and keeping comp flat? 

Hard truth: we are just not as valuable or important as we think we are. I know that's a tough pill to swallow, and I know it's a paradigm shift, but that's exactly what is happening, hence the surge in emotional anti-AI posts we're seeing. 

The way humans bring value to their employer is changing. White collar work is shifting to be a) build the bots, b) manage the bots and c) govern the bots, because that's more efficient than paying humans to move around and repackage 1s and 0s (which is a majority of the information flow in an organization). 

The work we do to survive has always evolved, this is the next step.

If you don't believe me, start building an agent for whatever it is you do personally—music, movies, research, cooking, travel, etc. As you start getting traction, apply that to every job at the company you work for. You'll see how we humans are becoming tech support. Because there's less risk in centralizing and systemizing expertise, which is why entry level jobs are looking pretty abysmal right now (when you build an agent, you're essentially building an analyst). 

This isn't meant to be a cynical dooms day post, just being realistic about the wave that's forming. Whenever there's a big oopsie that causes catastrophic market damage, we'll see a surge in mandated AI governance jobs, and round and round we go. And of course, innovation often requires humans to break the rules and introduce creative novelty that automated agents, by their nature, are designed to follow. 

The real long-term value will likely lie in the creative interplay between hyper-efficient AI agents and highly strategic human overseers.

Morgan Stanley

Senior Investigator

•Manage Deposit Operations team which handles the firm’s physical checks and securities deposits.
•Assessing, devising, and communicating action plans to address operational risk and associated exposure.
•Ensuring all regulatory and internal business review and process audits achieve an effective rating and any identified process gaps are remediated through a set of KPI’s and KRI’s.
•Developing a strategic succession plan that fosters growth opportunities and provides career development through daily coaching and mentoring.
•Ensuring daily operating deadlines and quality control measures are met and kept within established service levels.
•Working collaboratively with other cross groups on projects and initiatives such as, bank and brokerage transactional integration workflow automation, and internal process automation.

Director

•Prepared and processed checks and security deposits.
•Conducted account research including transaction reviews and identifying discrepancies.
•Worked with various internal and external groups on the behalf of clients to resolve issues.
•Addressed account inquiries with sales team to resolve discrepancies.
•Conducted detailed account analysis when researching client inquiries.
•Processed enhancements along with UAT/SIT testing.

Wealth Management Operations Associate

E*TRADE

Analyst, Account Services Operations

TSR Consulting Contract
E*TRADE Financial Corporation
Deposit Operations Analyst

Lincoln Monroe Fund

•	Manage funds through multiple investment strategies including options, stocks, and ETFs
•	Analyze market trends and perform extensive research for prudent investment decisions 
•	Maintain personal office including data repositories, transaction files, and various administrative duties

Portfolio Manager

•	Perform comprehensive reviews, conduct new parameter testing, and analyze profiles within detection systems
•	Liaise with management to advise regarding fraud scenarios and provide recommendations
•	Facilitate new hire training, oversee cross-functional junior analyst work, and conduct quality control 
•	Handle recurring alert reporting, analyze department policies, and update procedures

Senior Operations Analyst – Fraud Prevention and Detection

•	Identify, prevent, and halt fraudulent activities via utilization of complex detection tools
•	Robust case management including account compromise, unauthorized trading, counterfeiting, and identity theft
•	Analyze new accounts and legal documents to ensure validity against public records sources
•	Coordinate with internal security partners to perform required investigations

Operations Analyst – Fraud Prevention and Detection

•	Processing an average of $2 - $4 million dollars in check and security deposits a week
•	Conduct account research including transaction reviews and identifying discrepancies
•	Work with various internal and external groups on the behalf of clients to resolve issues
•	Address account inquiries with sales team to resolve discrepancies
•	Conduct detailed account analysis when researching client inquiries

Deposit Operations Analyst

TD Bank

•	Sales, Account servicing and opening
•	Customer Service in person and over the phone
•	Daily report logging (debit cards, gift cards, branch wires, new business account and new personal customer entry)
•	Branch sales tracking
•	Inventory of all monetary instruments
•	Daily use of Excel (scheduling and variance reports)

Customer Service Representative

Custom Coach and Limousine

•	Reconciliation of banking reports and data processing
•	Organizing office space and files (including electronic)
•	Proficient with data entry and working with banking statements
•	Utilized QuickBooks daily to enter company information alphabetically

Office Manager

Valley Bank

•	Teller Transactions with data entry daily
•	Customer Service in person and over the phone
•	Sales, Account servicing and opening
•	Branch reconciliation with inputting confidential bank account numbers
•	Monthly audits for savings bonds sold and cash advances
•	Inventory of all monetary instruments (cashier checks, money orders, gift cards, debit cards, gift checks and traveler’s checks) and account numbers (checking, savings, IRA and certificate of deposit accounts) every month.
•	Branch sales tracking
•	Merchandise ordering
•	Daily ATM, coin machine, vault and personal cash proofing

Sales Associate/Bank Teller/Customer Service

RadioShack

•	Provided customer service with answering phones and greeting clients
•	Assisted with sales goals
•	Processed payroll and calculated hours for employees
•	Managed schedule for employee shifts
•	Trained new employees with policies and procedures
•	Tracked inventory, audited cash drawers, and ordered merchandise

Store Manager

•	Customer Service
•	Sales
•	Wireless Communications
•	Promotional Displaying

Sales Associate

Seasoned corporate professional with 10+ years in financial services. Specialties include Operations, KYC, Compliance, Fraud, Financial Crimes, BSA, AML, and overall process optimization. Motivated self-starter with entrepreneurial mindset coupled with penchant for efficiency and improvement. Effective communication skills, stakeholder engagement, and passion for collaborative synergy.

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Josh Oliveira

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The Battle

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