Carl H. Joseph-Black is a recent graduate of The City University of New York School of Law in New York City.
Carl is an experienced Associate with a demonstrated history of working in the banking industry. Skilled in Investment Research, Banking Regulation, Securities Law, Corporate Law, and OFAC Sanctions Compliance.
Raising Benjamin
January 2017 – Present
Raising Benjamin is a financial platform I founded to help millennials understand financial markets and policy. According to a Standard & Poor’s survey the United States ranks number 14 in financial literacy across the globe, with just 57% of American adults being financially literate.
To be frank, finance is hard. Financial policy is even more difficult to understand. I have been successful in breaking down these concepts for the general public in an easy to understand format through emails, text-based technology, a social media driven news platform called “The Dime”, and podcasts. Through this platform I have partnered with Wells Fargo, led classes for the World Economic Forum, and spoke at a TEDx conference about the benefits of new financial policy.
PS: I incorporated this company and wrote the operating agreement on my own.
SEB Securities (Division of SEB Group)
December 2018 – January 2020
As a Compliance Associate, I performed a number of tasks as a direct report to the Chief Compliance Officer.
1. Writing and amending policies based upon new orders written by regulatory agencies such as The Federal Reserve, The Securities & Exchange Commission (SEC), The U.S. Department of the Treasury, The Commodities & Futures Trading Commission, The Financial Industry Regulatory Authority (FINRA) and The New York State Department of Financial Services (NYDFS).
2. Managing Anti-Money Laundering operations and systems for the entire North American Division of the bank. This entails updating systems based on new Office of Foreign Assets Control (OFAC) Sanction List updates and Financial Action Task Force (FATF) updates.
3. Aiding upper level management in passing banking examinations from The Federal Reserve, The Securities & Exchange Commission, and The New York State Department of Financial Services by preparing requested documentation requested by these agencies.
4. Prepared daily, monthly, quarterly, and annual reports required for compliance with securities and banking laws. A few examples of these reports are Best Execution reports (Securities & Exchange Act 1934 & FINRA rule 5310), unfinished.
Main Street Legal Services
September 2019 - December 2019
As a Student Attorney in the Community & Economic Development Clinic, I….
New York State Judicial Institute
June 2017 - July 2018
As a legal fellow at the Judicial Institute, I
JPMorganChase
October 2011 - November 2015
As a Student Attorney in the Community & Economic Development Clinic, I….
TEDxFlatbush.
In 2019, I was given the privilege to speak at TEDxFlatbush Brooklyn College. My talk compared the vastness of the financial system and how community economics operates in a similar way. I also used this as an opportunity to introduce new financial policy and how it is similar to tools used in communities as well as how changes in financial policy can improve conditions in communities such as Flatbush, Brooklyn.