Rosie Carter

Commercialisation, Client Segment Growth and Geographical Expansion

• Driven complex, multi-product 3d party money deals across E-Money Institutions (EMIs), Payment Service Providers (PSPs), broker-dealers, insurance and corporates; delivered Virtual IBAN/CMA solution generating $1.5MM revenue in partnership with Sales, Legal and Compliance.
• Expanded Client Money Account (CMA) offering into new segments by leading legal due diligence and pipeline development (e.g. Israeli insurance, French investment firms, emerging EMI regimes, UK savings products (Cash ISAs)).
• Built go-to-market business cases to launch CMAs in UAE and Saudi Arabia , aligning Sales and Product stakeholders on proposition, target segments and delivery approach. Led UAE “ready-to-launch” activities, coordinating external legal/tax counsel inputs and driving proactive risk identification and mitigation with Business Control Partners.

Regulatory, Risk and Control Governance

• Mapped EMEA Tax regulatory obligations and translated requirements into executable controls embedded in account-opening workflows.
• Delivered end-to-end account-level remediation on tax configurations across Switzerland, Germany and Belgium, restoring regulatory compliance and reducing the firm's financial liability from USD 1.4M to USD 285K, delivering USD 1.1M cost saving .
• Driving Account Solutions readiness for upcoming regulatory changes including Payment Services Directive 3 and the Sixth Anti-Money Laundering Directive , evaluating end-to-end compliance processes while accounting for local supervisory interpretations.

3 rotations across Payments, Markets Operations and Wholesale KYC Operations - Key Achievements:

• Launched and executed client pricing renegotiation, partnering with Sales to deliver a global repricing initiative and unlock incremental revenue of 450K USD annually.
• Represented Account Solutions for the South African Deposit Guarantee Scheme implementation, owning scoping, stakeholder communications and cross-functional delivery. Served as one of the primary points of contact for direct engagement with the regulator.
• Managed a global product governance framework , overseeing reviews and approvals of technology tickets from requesters across multiple Lines of Business, supporting integration activities linked to the First Republic acquisition.

• Designed RFP (Request for Proposal) training materials for Service Managers.
• Delivered Service Mailbox Analytics to senior management, providing data driven insights on client queries and escalations.
• Managed EMEA Service Procedure updates as part of JPMorgan's consolidation of it's European Union branches under a single legal entity - JPMSE Frankfurt