Why K Gowin Consulting?


Kathleen led the world's largest financial services portfolio for Treasury Management through the 2008-2010 financial collapse with no losses. She went on to develop AML/KYC global governance for the largest wholesale cash and banknotes business in the world. She used the risk based approach recommended by FATF to risk balance the correspondent banking portfolio, exiting 900 of the relationships. She drove regulatory conversations to ensure an understanding of the AML and KYC processes and controls for her business.

Kathleen is an independent consultant specializing in advising line of business executives who seek strategies to balance revenue growth with evolving business challenges -- while limiting expenses and mitigating risks.

Awards & Recognition, Education, Industry Engagement and Recommendations


Partner of the Year, Bank of America, Division of Benefits Solutions (2008)


James H. Duncan Award For Excellence, First of America Bank (1990)


Cambridge “Who’s Who” of American Business (2011) 

Association For Financial Professionals Logo


BS, Political Science, Northern Arizona University at Flagstaff


MBA, University of Illinois at Springfield


CCM certification awarded by the Association of Financial Professionals



CAMS, certification awarded by the Association of Certified Anti-Money Laundering Specialists



BAFT Global Board of Directors, (an international payments association for the banking industry).   Co-Chair of the North American Council. Member of the Membership Recruiting Committee. Member of the Governance Task Force (2009 to 2011).



Member of the Public Policy Committee for the Charlotte Symphony Orchestra (2010-2011).



Member of the Strategic Advisory Council, which provides long-term direction to the College of Business and Management, University of Illinois Springfield (2002-2003-2004).

Kathleen helps solve critical business challenges through a strong blend of skills, experience and collaboration. Kathleen supplements deep KYC / AML regulatory and risk expertise with strong business skills, an understanding of customer environments and a mature view of organizational processes, governance and policy frameworks. She partners with Treasury Strategies to help our clients navigate a dynamic regulatory and risk landscape, ensuring appropriate risk and compliance controls without sacrificing customer experience, speed of business or sales effectiveness. Kathleen has excellent critical thinking skills and a passion for continuous learning.

Dave Robertson, Partner and Owner, Treasury Strategies


Kathleen has fantastic business and personal skills who manages partners and her team exceptionally well.  She is both strategic and tactical and has the ability to understand complex issues and deliver results.  Les Morelock, Managing Director at CapTech Consulting


I have known Kathleen since she was at Bank of America and head of global financial institutions. She served as the interim CEO of BAFT, which is ABA’s trade finance and global payments subsidiary.  Kathleen is a very focused and results-oriented banking professional with strength in the KYC-AML and payments area, and she has my recommendation.Bob Davis, Executive Vice President, American Bankers Association


Kathleen skillfully managed the largest portfolio of FI clients in the world through the financial crisis. I observed her effectively navigate regulators in multiple countries as AML and Sanctions actions around the world drove large competitors out of the cash and banknote lines of business. She is at her best with a problem to solve, or a crisis to resolve. People who work for her trust and respect her. Catherine Warren, SVP, PNC Bank.