Regulatory Compliance Expert
Robert Toher is a Regulatory Compliance Expert at Reference Point with over 30 years of experience in the global financial services industry. Robert specializes in compliance and regulatory relations and previously served as Head of Compliance and Regulatory Relations for the Australian New Zealand Banking Group, where he oversaw both regulatory change and financial crime. Robert was also the Head of Client Onboarding for J.P. Morgan for the equity and fixed income businesses, where his implementation of onboarding operational efficiencies expanded the business by over 25%.
Robert has extensive experience in the remediation of regulatory issues within a constantly changing regulatory landscape. He has implemented robust and comprehensive due diligence processes to review customer records for Japan’s largest bank in order to address regulatory concerns that arise within international banking. He has also received industry wide recognition and praise for his transformation of regulatory compliance departments. Additionally, he has provided consulting services focused on supporting firm with regulatory mandated financial crime requirements. His consulting specialization includes AML and Bank Secrecy Act issues.
Outside of regulatory excellence, Robert has demonstrated success with firmwide relationship management, where he supported the specialized needs of highly complex entities (such as Hedge Funds or Independent Broker Dealers) through securities lending, execution, and capital raising. Robert’s diverse background and experience enables him to offer unique insights into all aspects of his financial services clients.
We understand complexity firsthand and have successfully navigated the challenges faced by global financial services firms. With our diverse skills and experience, we deliver innovative solutions while maximizing target performance and minimizing disruptions and risk.