Mandy Ramlow is a financial services professional with over 25 years of banking experience, of which the majority have been spent in the AML and the Compliance field. She currently serves as the US Chief Anti-Money Laundering Officer at BMO. Mandy has the responsibility for US AML functions which include governance, regulatory affairs, watchlist screening, risk assessments, transaction monitoring, EDD/CDD/KYC collection, high risk client management, client de-markets, SAR/CTR filing, and AML data and systems management. 

Before the US CAMLO role, Mandy was most recently the BMO Head of AML Systems, Data, Innovation, and Operations. Prior to managing the AML technology teams Mandy was the BMO Head of the North American Financial Investigations Unit (FIU) for AML where she was responsible for the combined operational FIU units across North America including the supervision of all AML regulatory filings. Mandy played an integral role in integrating BMOs fraud and AML regulatory reporting workflows in addition to applying automation such as robotics and machine learning across the FIU functions. 

Mandy is a thought and process leader and an active industry participant, including holding positions on several advisory groups that share, educate and advance AML best practices. 

Mandy received a Bachelor of Arts (Sociology) from the University of Wisconsin and completed her MBA in September 2022. Mandy has been CAMs certified since 2008.