Alison Rutz
@alisonrutz
I lead payments compliance, money transmission oversight, and bank partner risk for payroll and financial services.
United StatesWhat I'm looking for
At Paychex, I support payroll, payments, and bank partner compliance as a regulatory and money transmission subject-matter expert across a multi-state licensing footprint.
I lead enterprise-wide state money transmitter examinations, coordinate remediation and executive communications, and manage bank-partner due diligence for Third-Party Payment Processors/Senders. I advise Product, Service, and Vendor teams on money movement offerings including direct deposit, garnishments, tax payments, and check disbursements.
I monitor federal and state developments in AML, BSA, KYC, OFAC, open banking, and Earned Wage Access, responsibly using AI-enabled tools to support regulatory monitoring and policy drafting. I also prepare executive regulatory summaries, KRI reports, and Compliance Activity Reports, and contribute to regulatory interpretation through the National Payroll Reporting Consortium.
My background spans financial compliance, credit risk, banking operations, and payment risk. I maintain the NACHA Accredited Payments Risk Professional (APRP) designation and enjoy connecting with others in financial services compliance, payments, and risk management.
Experience
Work history, roles, and key accomplishments
Serve as regulatory and money transmission subject matter expert supporting payroll, payments, and bank partner compliance across a multi-state licensing footprint.
Lead enterprise-wide coordination of state money transmitter examinations, directing cross-functional participation, remediation efforts, and executive communication of outcomes.
Manage bank partner compliance engagement, including
Worked as Compliance Analyst- Financial Compliance at Paychex.
Reviewed and approved or escalated high-risk credit decisions and multi-million- dollar banking transactions (up to $500,000 in authority) in accordance with regulatory requirements and internal risk policy.
Monitored daily activities to ensure adherence to applicable federal, state, and local regulations, as well as internal policies and procedures.
Served as liaison between assigned business
Worked as Credit Risk Representative III at Paychex.
Worked as Credit Risk Representative II at Paychex.
Worked as Risk Analysis Specialist at Paychex.
Ensured branch-level compliance with federal banking regulations, including the Bank Secrecy Act/Anti-Money Laundering Act and USA PATRIOT Act.
Collaborated with branch management on audit readiness and satisfactory branch audit ratings.
Served as an operational and regulatory resource for branch staff, researching and resolving customer inquiries and transaction discrepancies.
Worked as Teller at Chase.
Worked as Server & Bartender at Pizzeria Uno Chicago Bar Grill.
Education
Degrees, certifications, and relevant coursework
SUNY Brockport
Bachelor of Science, Psychology
Earned a Bachelor of Science in Psychology from SUNY Brockport in 2015.
SUNY Brockport
Bachelor of Science (B.S.), Psychology
Tech stack
Software and tools used professionally
Availability
Location
United StatesAuthorized to work in
Job categories
Skills
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