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Click here or scroll down to respond to this candidateCandidate's Name
Orlando, Florida Street Address
EMAIL AVAILABLEPHONE NUMBER AVAILABLESenior Compliance AML/BSA Business AnalystA highly accomplished Investigator with a proven track record in designing effective strategies, conducting comprehensive reviews, and remediating alleged misconduct in the financial industry. Proficient in navigating federal, state, and local regulations to ensure compliance. An adept project manager skilled at defining deliverables, establishing clear communication plans, and adapting to changing priorities. An expert in fraud examination, KYC analysis, and risk control. Proficient in various software applications and data analysis. Demonstrated ability to lead cross-functional collaboration and articulate complex issues with a solid commitment to integrity. Motivated self-starter with outstanding attention to detail, excelling in fast-paced, collaborative environments. A licensed real estate agent interested in community involvement and volunteer work.Skill Areas: w AML and BSA Compliancew Investigation and Fraud Analysisw KYC (Know Your Customer) Analysisw Quality Control and Assurancew Risk Assessmentw Regulatory Compliancew Documentation and Reportingw Software Proficiencyw Data Analysisw Cross-Functional Collaborationw Project Managementw Customer Due DiligencePROFESSIONAL EXPERIENCEIBM/Morgan Stanley (August 2023 October 30,2023)Senior EDD Analyst (Remote)Proficient in control frameworks and skilled at designing and assessing the effectiveness of controls integrated into business processes.Provide daily operational support to facilitate the growth of Wealth Management and US Banks' business partners, including Private Bankers, Lending Advisors, and Branch Risk Officers, ensuring the adherence to client onboarding Due Diligence processes and compliance with relevant regulatory frameworks.Specialize in Enhanced Due Diligence (EDD) procedures for both new and existing clients, actively contributing to Morgan Stanley's KYC (Knowing Your Customer) program, with a focus on examining the Source of Wealth (SOW) for specific clients.Conduct thorough due diligence on High-Risk clients, reviewing documentation and information while effectively managing shifting priorities within a dynamic work environment.Responsible for promptly handling daily incoming EDD case assignments and consistently meeting established deadlines.RGP / Resource Global Professionals; Truist Bank, Charlotte, NC (May 2023 - August 2023)Sr. Risk & Control Compliance Tester (Remote)Conducted User Acceptance Testing (UAT) and Control testing, providing guidance and counsel to the Manager of Business Risk Control Management (BRCM).Supported effective risk and control processes aligned with the bank's best practices and regulatory requirements.Identified and assessed significant business changes, directed and coordinated the preparation of required analyses, and ensured proper mitigating controls and approvals.Participated in pre-testing walkthroughs with control owners and other lines of business to align controls and sub-projects with desired testing results.Performed periodic focused process and control reviews to identify and manage risks accurately.Identified and recommended improvements to enhance the quality of internal controls and mitigate current and predicted risks.Developed and executed a testing program to ensure policies, procedures, and controls were adequate and effectively implemented to mitigate risks.Played a role in Key Risk Indicator reporting, development, implementation, and enhancements.Analyzed errors, near misses, and significant events to identify root causes and facilitate improvements.Exiger Consulting, Inc.; United Bank of Africa (December 2022 - March 2023)Senior Business Analyst (Remote)Investigated, researched, analyzed, and evaluated high-risk client account transactions for suspicion or unusual activity, particularly in complex cases involving multiple accounts, products, and banks.Prepared and filed Suspicious Activity Reports (SARs) with the Financial Crimes Enforcement Network (FinCEN) when warranted.Collaborated with Operations Risk Managers and other Financial Intelligence Unit (FIU) team members to co-investigate assigned cases and reviewed the work of Investigator I positions to ensure accuracy and completeness.Demonstrated a proactive approach to staying current with Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) regulatory updates, as well as the bank's Anti-Money Laundering (AML) program policies and procedures.Chaired task forces and problem-solving groups to ensure compliance with anti-money laundering regulations.Represented the department and bank on management committees and projects related to anti-money laundering, OFAC, and anti-terrorism activities.Developed contacts with law enforcement agencies and actively participated in professional organizations.Initiated projects aimed at identifying trends and typologies within the bank's operations that could facilitate money laundering or terrorist financing activities.Conducted audit monitoring of system-generated alerts, including OFAC, FinCEN, Politically Exposed Persons (PEP), International Watch List (IWL), and Business and High Net Worth (HNW) alerts.Consolidated Analytics (May 2020 September 2022)Sr. Business Analyst- KYC EDD/CDD (Remote)Stay abreast of regulatory changes and lead compliance impact assessments for timely implementation.Lead cross-functional collaboration on emerging regulations with Compliance and business teams.Developed and maintained global standard operating procedures for onboarding and enhanced due diligence functions.Research and analyze corporate structures, financial statements, and documents for potential suspicious activity.Perform investigations, verify closure of action plans, and remediate MRIA and RFI findings.Review and analyze cases and conduct ad hoc investigations following procedures for suspicious activity.Research and analyze customer transactional history to understand patterns and identify anomalies.Guide and oversee quality assurance program for first-line and compliance operational staff output.Conducted reviews and investigations based on findings, analyzed data, and reported conclusions to upper management.Serve as an enterprise-wide advisor on AML/KYC, onboarding, and CDD compliance risks, educating the business.Act as an escalation point for complex issues within and outside the Compliance team and Stakeholders.Collaborate globally on external interactions with banking partners, clients, regulators, and third-party risk management.Mezu Inc., Orlando, FLSr. AML/BSA Compliance Fraud Analyst (December 2019 April 2020)Conducted Investigation, Transaction Surveillance, and Monitoring Look-Back for identifying, clearing, or escalating alerted transactions.Prepared SAR narratives and escalated SARs to the committee for final review.Obtained, reviewed, and analyzed information for Customer Due Diligence and Enhanced Due Diligence.Reviewed and investigated cases, internal reviews, and ad hoc investigations for suspicious activity.Ensured compliance with Customer Identification Program (CIP) and Currency Transaction Reporting (CTR).Reviewed OFAC data and industry red flags to escalate potential suspicious activity in SARs.Ensured alignment of mortgage loans, consumer loans, and retail transactions with OCC FINCEN policies.Engaged BSA/AML staff to ensure awareness and adherence to KYC in the look-back project.Stayed current with BSA/AML regulations, trends, and best practices, leading to a 92% increase in efficiency.Participated in independent reviews and audits to enhance fraud protection, compliance, and risk management.Provided direction aligned with Enterprise AML/BSA compliance mission and goals, including KYC operations and regulatory reporting.Sr. AML/BSA Business Analyst/QA (April 2018 April 2019)Developed and implemented policies and procedures for BSA, AML, and OFAC compliance.Verified KYC applicant identities and conducted thorough investigations of suspicious activities, fraud, and OFAC alerts.Processed and disputed chargebacks received from payment processors.Researched and analyzed customer transactional history to understand their activities.Built relationships with non-profit high-risk clients, conducting interviews and monitoring activities per EDD policies.Evaluated SARs and cleared or escalated investigations based on findings, reporting conclusions to upper management.Stayed current with BSA/AML regulations, trends, and best practices, leading to a 92% increase in efficiency.Participated in independent reviews and audits to ensure appropriate response and remediation processes.PWC/Wells Fargo (October 2019 December 2019)Sr. Fraud Analyst/QA Team LeadProvided day-to-day support for data analysis, project deliverables, risk management, and operational needs.Analyzed findings and trends using statistics, modeling, process documentation, and profitability analysis.Determined and recommended appropriate responses to complex problems, issues, and defects, assessing impact and prioritization.Prioritized analysis of exceptions, findings, reports, and processes to enhance profitability and reduce risk.Executed projects, analyses, and reporting requirements under the direction of senior leadership.Maintained accurate documentation of reporting requirements, statuses, and issues.Analyzed financial trust documents and data, demonstrating organizational, efficient, detail-oriented, and creative approaches.SunTrust Bank, Atlanta, GA (May 2019 September 2019)Sr. Fraud Risk AnalystConducted Investigation, Transaction Surveillance, and Monitoring Look-Back for identifying, clearing, or elevating alerted transactions.Obtained, reviewed, and analyzed information for Customer Due Diligence and Enhanced Due Diligence.Investigated cases, internal reviews, and ad hoc investigations for suspicious activity.Reviewed and analyzed cases for Suspicious Activity Reports (SAR).Ensured compliance with the Customer Identification Program (CIP) and Currency Transaction Reporting (CTR).The banks risk-based (OFAC) Office of Foreign Assets Control data was reviewed for proper monitoring.Evaluated cases for industry red flags, escalating potential suspicious activity to the SAR Committee.Reviewed mortgage loans, consumer loans, and retail transactions for adherence to OCC FINCEN policies.Engaged BSA/AML staff to gauge awareness and ensure adherence to KYC (Knowing Your Customer) in look-back projects.United Bank of Georgia (RGP) (September 2017 February 2018)Sr. AML Risk Officer/Internal AuditorCollaborated with cross-functional teams to analyze, approve, and monitor BSA/AML risk levels for enterprise business unit clientele.Ensured compliance with AML policies and procedures for LOB, conducting accurate EDD Remediation.Provided policy interpretations and responded to questions on AML policies from various business units.Reviewed account activity and escalated to SAR level as needed.Researched and analyzed corporate structures, financial statements, and other documents to identify potential suspicious activity.Led quality assurance reviews to ensure effective risk identification and rating.Diagnosed false positives within complex corporate structures and banking transactions.Oversaw annual AML risk assessments through to completion.Stayed current with BSA/AML, OFAC regulations, industry trends, and internal SunTrust AML policies.Conducted Remediation Utilizing Actimize, World-Check, I Linx, Channel Link, Client Profile Review, Thompson Reuters, OFAC, Google, and Lexis Nexis for comprehensive risk detection and compliance programs, enhancing reporting efficiency.Citi Bank (Alexon Services) (December 2016 August 2017)Senior AML/BSA Fraud Investigator QA/QCConducted thorough testing of forensic AML/BSA violations, Risk Analysis, SAR reports, and New Account KYC and CIP procedures.Reviewed Customer Identification Program (CIP) and Currency Transaction Reporting (CTR) processes for proper transaction aggregation.The banks risk-based Office of Foreign Assets Control (OFAC) was examined to ensure adequate risk triggers, implementing new processes as needed.Monitored residential and commercial mortgage loan transactions to comply with OCC FINCEN regulations and detect suspicious activity.Ensured processes aligned with the bank's BSA/AML/USA Patriot Act policies, procedures, and operations.Gauged staff awareness of KYC, delivering MRAs to executive leadership as needed.Developed reports, training materials, policies, and procedural documents supporting AML/KYC.Fidelity Information Systems (June 2015 November 2016)Sr. Business Analyst / Auditor/Team Leader QA/QCSupervised a team of 18 analysts and 6 QC analysts.Facilitated a comprehensive review of the Servicer's Compliance Management System, including Risk Assessments, Compliance Program Processes, and Consumer Complaint Management.Installed and implemented Empower Loan Origination Software.Conducted thorough investigations of alleged misconduct based on information from the Department of Banking Oversight, escalating issues as needed.Initiated a communication strategy to keep team members, reviewers, executives, and stakeholders informed of project status and updates.Surveyed Servicer's notes to determine borrower eligibility for various loan modification programs and foreclosure alternatives.Analyzed transaction history to establish the timeline of late payments and ensure compliance with Early Intervention, 45-day letters, telephone calls, and timely written notice policies.Calculated debt-to-income ratio to validate modification denial reasons and communicated findings to borrowers.Bank Of America (RSM MCGLAGREY, LLP) Charlotte, NC (September 2013 May 2015)Senior AML/BSA FraudConducted review and remediation of Military Affidavits to verify the active-duty status of Servicemembers.Tracked patterns, trends, and anomalies in complex transactional and customer data to detect, prevent, mitigate, and report HARM to Servicemembers, ensuring proper SCRA processes and procedures adherence.Formulated loan accounts and quarterly reports for remote deposit capture, wire transfers, and monetary instruments.Delivered Enhanced Due Diligence (EDD) research to individuals, institutions, and trusts, preparing written investigation reports based on corporate policies and procedures.Observed the client database to create a customer monitoring report for FINCEN and evaluated potential OFAC hits to ensure transactions adhered to US sanctions.PROFESSIONAL DEVELOPMENT & CREDENTIALSCertifications:Anti-Money Laundering/Bank Secrecy All Regs AcademyAML/BSA Analyst Certification Global Banking InstitutionQuality Control Knowing Your Customer (KYC)CRA MethodologyAML Testing Enhanced Due Diligence (EDD)Technical Skills:Microsoft Office (Word, Excel, Agile, Outlook, Access, Publisher)Lexis NexisActimizeFiserve FCRMMantasOpen ProjectOn DemandEclipseIdentity Mind 1/0/2.0Sift ScienceAS 400CognitoSalesforceThompson Reuters (Clear)ACTIMIZE? Encompass Origination SoftwareEmpower Mortgage Origination SoftwareOrganizations:CAMS MemberACFE MemberNMLS MemberFlorida Board of RealtorsVolunteerism:Osceola County Sheriffs DeptSPCARide of EducationRide for SuicideMentoring for Orange County Public SchoolsBrookdale Senior Assisted LivingInterest: Enjoys a variety of interests outside of work, including travel, boating, gardening, and fitness activities. |
