Director of BSA/AML Risk & Compliance – NEACH Payments Group Heather Williams brings more than 20 years of financial‑institution experience spanning retail banking, compliance, audit, and advisory services. She began her career in community banking in Lancaster County, Pennsylvania, as a teller and has since developed deep expertise in BSA/AML program design, training initiatives, and internal procedure development. Throughout her career, Heather has supported financial institutions in strengthening fraud detection capabilities and enhancing regulatory compliance frameworks. Her background includes leadership roles focused on BSA governance, regulatory remediation, risk assessments, and transaction‑monitoring oversight. Heather has also served as a BSA auditor and consulting partner, working closely with financial institutions to enhance program effectiveness, address examination findings, and align compliance efforts with operational realities. Today, Heather advises financial institutions nationwide through her work with NEACH Payments Group. She performs BSA independent testing, enterprise‑ and program‑level risk assessments, and targeted consulting engagements, and delivers customized compliance training tailored to each institution’s unique operational environment. Her work emphasizes practical, risk‑based strategies that support regulatory readiness while keeping pace with evolving payment channels and network rule expectations.