SUMMARY:

• Finance - Budgeting, forecasting, expense management, revenue recognition & reporting.
• Monthly journal entries, reconciliations
• Perform data research and analysis using Microsoft Excel products, and SAP accounting system
• Identify deviations from forecast/expectations and explain variances
• Track portfolio performance and risk strategy results
• Identified and report all significant regulatory compliance and financial risk, issues to Management.
• Gather, analyze, correlate, or evaluate information from a variety of resources
• Prepare oral or written reports on client economic and organizational trends; detail oriented; willingness to learn new systems, concepts; and a team player
• Lead finance and compliance projects by planning and executing (by defining the scope of the project from start to finish)
• Manage the Bank Secrecy Act (BSA), Foreign Corrupt Practices Act (FCPA), Know Your Customer
• (KYC); AML Onboarding lifecycle: Customer Information Program (including Fraud investigations)Customer Due Diligence (CDD), and Enhance Due Diligence (EDD) process for various banks.
• Mentor and supervise the work of junior team members to assist in their development while maintaining the integrity of the data while being flexible and nimble to the business
• Perform data research and analysis using MS Office, SAP, Business Warehouse, Oracle, MS Access (SQL), MS Project Visio, and Cognos
• Adequately understand the content of the specific workstreams to enable challenge mentioned above

BUSINESS SKILLS:

• Accounting and Finance
• Financial and Data Analysis
• Maintain General Ledgers
• (Reconciliations)
• Planning and Forecasting
• Capital Markets (GAINS)
• Asset Management Corporate Trust
• GAAP Standards and Procedures
• Regulatory Reporting
• Project Management
• Compliance, Bank Secrecy Act (BSA) Know Your Customer (KYC), Suspicious Activity
• Report (SAR)
• Retail, credit card, mortgages and loans and investment products

PROFESSIONAL EXPERIENCE:

Confidential, Claymont, DE

Financial Crime Unit/Business Analyst

Responsibilities:

• Conduct thorough investigations and inquiries in identifying suspicious activity by identifying
• Fraud trends to determining if a Suspicious Activity Report (SAR) is require
• Review alerts to detect fraudulent activities for internal accounts to identify potential suspicious transactions to investigate fraud claims and to ensure in compliance with Regulation E with in the the timeframe that govern disputed transactions
• Respond promptly and exercise exceptional communication skills in an effort to optimize each contact with customers, partners and external vendors/banks
• Establish and ensure compliance with company standards and processes in writing SAR narratives
• Accommodate work volumes to enhanced customer satisfaction. Understand charge - offs involving fraudulent activity and provide resolution to prevent future cases Investigate the fraud alerts to protect the institution from fraud related losses and improve customer experience on all.
• Retail review including debit card Assist with creating and implementing policies and procedures across all teams
• Assist Management in construction of short term and long-term plans with associated benefits of strategies that were developed to reduce fraud exposure while working effectively across the rganization to maximize company resources
• Maintain a thriving relationship between customers, partners and vendors
• Contribute to Management/Financial Report for the Financial Crime department (weekly and monthly reporting)
• Recommended new strategies to prevent additional losses, and assume responsibility for special projects as assigned by Management

Confidential, Yardley, PA

Internal Audit/Compliance Risk Assessment

Responsibilities:

• Review Risk Assessment report prior to Office of the Comptroller of the Currency (OCC), compare requirements and make recommendations as a Sub Matter Expert (SME)
• Solid knowledge of custody, securities and mortgage banking compliance
• Work with the stakeholders of the Firm in executing the risk assessment
• Apply a broad knowledge of internal audit policies, practices, risk assessment methodologies and current laws and regulations in order to facilitate the company s Risk Assessment process
• Created metric s for data tracking system in SAP

Confidential, Newark, DE

Business Analyst

Responsibilities:

• Quality Assurance checker for investigation support functions of external financial crimes activities across one or more lines of business to determine false/positive
• Review and explain the customer financial status for SAR reporting
• Quality metrics reporting facts of the investigation to assist in identifying potential operational or compliance risk
• Conducts routine to complex investigations, including elder abuse; fraud committed by external parties and acts as the liaison to Law Enforcement as required
• Participate in the planning and execution of the distribution of the work flow
• Prepare financials from SAP and Hyperion reports for management and commentary on financial results
• Prepare cost analysis to explain variance and to improve operational efficiency
• Work on Projects with Consumer & Community Banking (CCB), front line units and other stakeholders to resolve technical issues relating to systems communicating with each other

Confidential, Wilmington, DE

Project Manager/Senior Anti-Money Laundering (AML) Investigator

Responsibilities:

• AML investigator and narrative SAR writer as part of Look-Back project for financial institution's correspondent banking
• Conducted transactional review to determine if transactions merit SAR status and engaged in narrative writing
• Communicated on a daily bases with Senior Managing Directors and Directors surrounding AML monitoring and surveillance
• Properly accessed & utilized governmental databases such as: FINRA Broker-Check & IADP
• Used publicly available information and public records as well as internal bank systems and World Check in performing due diligence
• Demonstrated accountability for delivery of a full range of services to one or more business/geographic regions while designing and creating reports to support business processes in the tracking work flow by utilizing Agile as a Project lead in completing the compliance system life cycle.
• Lead and develop a team of risk analysts and manage complex critical large professional disciplinary areas while implementing

Confidential, Wilmington, DE

Anti-Money Laundering (AML) Sanction Officer

Responsibilities:

• Ensure all new and existing clients (and high risk) undergo AML sanctions review base on the Bank Secrecy Act;
• Beneficial Ownership Negative News, and PEP screening to determine the dispositions, document appropriately, while maintaining various regulatory (including FCPA) rules
• Work as a Project Management (PM) liaison between the IT Group and Compliance, and other stakeholders to review and identified PM current state to conduct a process and project management maturity gaps analysis
• Responsible for monthly and quarterly flux analysis for assigned business unit and consolidated reporting of Credit Risk & Customer Marketing Operations to the Director of Finance
• Prepared regulatory reports request for Information, Patriot Act 314(b), and SARs (Suspicious Activity Reports)
• Lead risk financial forecasting efforts, including designing and maintaining complex credit loss and financial risk forecasting models, conducting cost of credit analyses, and monitoring product trends to identify key areas of risk-opportunity
• Develop, test, optimize and implement credit/valuation policies
• Manage risk levels for the entire credit/valuation spectrum across multiple products and retail formats consistent with program financial goals
• Demonstrated working knowledge of mathematics and principles behind monetary transactions
• Maintain and coordinated with the IT Group relating to SAP, SQL and Agile system to implement Business Requirement Document (BRD)
• Maintain databases and analyze all market intelligence programs according to compliance and GAAP
• Networks with colleagues and senior personnel in Finance, Risk Management, Asset Management and IT to implement Business Requirement Document

Confidential, Philadelphia, PA

Compliance Officer

Responsibilities:

• Recruited as part of six-member team to assist with a project to merge and upgrade the internal monitoring systems and trained and assisted junior investigators
• Analyze complex documents including mortgage backed securities, mutual funds and trust accounts
• Addressed diverse compliance issues related to SEC and selling off of company assets
• Investigated AML cases and alerts involving various transactional activities to determine whether questionable transactions occurred in designated high-risk industries
• Conducted legal analysis and due diligence review of corporate communications, financial records, trust agreements and other documents to detect evidence and patterns of money laundering, suspicious activity, fiduciary and other material breaches of company policy in ongoing FINRA investigation of international banking company and affiliates
• Performed extensive and thorough fraud investigations on high-level cases
• Prepared regulatory reports, Requests for Information, Patriot Act 314(b), and SARs (Suspicious Activity Reports)
• Utilized proprietary and internet software such as Lexis-Nexis, NORKOM, World-Check, and KYC databases
• Work as a Project Management (PM) liaison between the IT Group and Compliance, and other stakeholders to review and identified PM current state to conduct a process and project management maturity gaps analysis
• Tested and reviewed internal software to be used in case analysis
• Successfully manage multiple competing priorities simultaneously and result in complete and accurate outcomes within a timely manner

Confidential, New Castle, DE

SAR/AML Analyst

Responsibilities:

• Responsible for preparing management reporting for Suspicious Activity Reporting (SAR) Writers
• Validate quality of draft Suspicious Activity Reports via FinCEN Software for various business units (AML Operations, Auto Lending, Savings, Information Security)
• Weekly and monthly reporting of number of SARs filed, No SARs (analyzed narratives explaining reasons/disposition for not filing); report and analyze maximum amount SARS written per SAR Writers and the amount reviewed by Team Lead
• Properly accessed & utilized governmental databases such as: FINRA Broker-Check & IADP.
• Reviewed and analyzed form ADV filing to determine beneficial ownership and potential regulatory infractions
• Audited closed loans to verify they’re in compliance with FNMA, FHLMC, FHA, OFAC, DOJ, CFPB, BSA, AML, KYC & other government regulatory guidelines
• Performed Boolean searches to filter through negative news results in order to develop client risk profile
• Used string searches during open source research to help determine beneficial ownership
• Performed EDD on entities located in high-risk, offshore and shell jurisdictions.
• Reviewed corporate bylaws and articles of in corporation to gather necessary research on corporate entities
• Generated routine and ad-hoc reports from SAP, while maintaining the integrity of the data while being flexible and nimble to the business

Confidential, Newark, DE

Financial Analyst

Responsibilities:

• Reconciled and analyzed ATM branch accounts, while generating routine and ad-hoc reports from SAP
• Maintain the integrity of the data while being flexible and nimble to the business
• Successfully manage multiple competing priorities simultaneously and result in complete and accurate outcomes within a timely manner
• Design and create reports to support business processes
• Conducted a root cause data analysis to determine appropriate action plan for the data clean-up, while maintaining the integrity of the data while being flexible and nimble to the business
• Utilized business knowledge to identify areas of systems improvement opportunity and submits proposals for analysis that lead to recommendations of data improvements

Confidential, New Castle, DE

KYC/Data Analyst

Responsibilities:

• Onboarding the bank new and existing clients (high and non-high-risk clients), confirming no compliance issues
• Perform CIP, CDD, and (EDD) checks and controls from the stage of client on boarding to account closing to ensure compliance with BSA regulations and corporate financial procedures
• Verify client’s participation in the U.S. Patriot Act, assuring appropriate signatures is on file
• Selected by management group to participate to researched and input Bank affiliate details into the KYC application
• In conjunction with FINRA investigation, responsible for performing transaction monitoring and review of investment banking institutional client’s trades to detect patterns of illegal trading activity whereby employees were engaging in prohibited swap trading
• Performed Internal Investigations, which involved reviewing client’s SARs to determine whether Continuing Activity
• Reports (CAR’s) were filed in accordance with the regulatory requirements within 90, 180 and 270 days
• Drafted SARs based upon transactional activity and customer relationships in order to report evidence of possible money laundering and/or terrorist financing activities
• Accurately identified money laundering red flags and prepared sample SARs for filing with FinCEN within the required timeframes

Confidential, Newark, DE

Financial Analyst/Wealth Mgmt. /Controllers Department

Responsibilities:

• Analyze and prepare financial and regulatory data reported to internal and external clients.
• Act as the lead liaison for the audit team got the Controller department
• Coordinate and assembled data to prepare the Controllers Book; develop graphs, reconciliations, reports, and presentations of project result, distributed to management
• Monthly meeting to discuss and explain month-end closing for revenue, expenses variances, and capital marketing
• Report derivative financial instruments (IR/FX/Commodities); the bank Profit and Loss statements; and other products require by the government agencies. The Call Report; TIC and FASB are reporting
• Manage the Treasury Desk; preparing disbursement for custody funds, securities and other financial instruments
• Design and create reports to support business processes
• Conducted a root cause data analysis to determine appropriate action plan for the data clean-up, while maintaining the integrity of the data while being flexible and nimble to the business
• Utilized business knowledge to identify areas of systems improvement opportunity and submits proposals for analysis that lead to recommendations of systems improvements
• Develop, test, optimize and implement credit/valuation policies