SUMMARY:

Highly motivated, self - starter with over 18 years of Financial Crimes, Banking, and Consumer Lending experience. Experience includes but not limited to: Global Financial Crimes Investigations, Anti-Money Laundering, Fraud Investigations, Dual Use Products, Live OFAC Payment Screening, Risk Assessment, Project Management, Departmentalized and/or Subject-focused Trainer, Data Analytics and Reporting, Database workflow testing and implementation, Gap Analysis, Milestones and Caps sourcing, implementation, and completion of UAT testing. Resilient analytical and interpersonal abilities with great leadership, and organizational abilities. Excellent knowledge of regulatory requirements and guidelines to assist banks in avoiding financial risks and loss.

TECHNICAL SKILLS:

Including but not limited to: Bank Secrecy Act (BSA), Anti-Money Laundering ( AML) Red Flags, Risk Assessment ( Client risk rating), On boarding (CIP documents), Enhanced Due Diligence ( EDD), Know Your customer (KYC), Global Transaction Monitoring, Customer Due Diligence (CDD),Currency Transaction Report (CTR) review and validation, Monetary Instrument Logs (MIL), Suspicious Activity Reports (SAR) (including SAR, No-SAR, and 90day reviews), Office of Foreign Asset Control (OFAC) and Sanctions screening, 314 (a) and (b) requests, Private Wealth Banking, Domestic Correspondent Banking, Wholesale Banking, International Correspondent Banking, Retail Banking, Treasury, Securities Trading, High risk client reviews, Politically Exposed Persons (PEP), Global Business Structures, Analyzation of audited and/or estimated business financials, Internal Control Testing, Office of the Comptroller of the Currency (OCC), Dodd- Frank, Securities and Exchange Commission filings (SEC), Commodities Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation, HMDA, CRA, Fair Lending Policies.

PROFESSIONAL EXPERIENCE:

Confidential

Trade Finance Transaction Analyst

Responsibilities:

• Responsible for investigative research, root cause analysis and consulting regarding highly complex financial crimes transactions, policy violations and/or suspicious situations with moderate to high risk. Conducted internal account/customer reviews to identify potentially suspicious activity
• Collected and examined financial statements to assist in identifying unusual transaction activity.
• Document and report the investigation findings and prepare case files for review (e.g. media search results, copies of statements/checks, results from internal system searches etc). conducts investigative research using appropriate investigative techniques to determine liability and impact of cases including mitigation of financial losses or business interruptions, as outlined in the AML Surveillance procedures and process documents;Triage cases and identify items appropriate for Senior Management escalation
• Conduct the monthly and quarterly reviews of high risk business units and identifyany unusual or suspicious transactions. To liaise with RMs, salespersons and customers,in respect unusual transactions;Serving as an internal senior audit consultant to test, and evaluate current controls effectiveness based on procedures.
• To maintain records of internal and external monthly and quarterly reporting, including suspicious activity reports..
• Performed first level quality control of alert-based generated case investigations performed by external investigators. Ascertained whether engagement procedures were correctly followed, and if case disposition was appropriately determined after evaluating investigator's findings.
• Promptly reviewed and escalated cases that were deemed to require recommending a Suspicious Activity Report (SAR) to be filed.
• Liaison between Information Technology and Project Management departments, providing business requirements and process improvement recommendations.

Confidential

Project Lead

Responsibilities:

• Managed a team of 11 external investigators, and acted as their Point of Contact to resolve or escalate case specific issues.
• Conducted internal account/customer reviews to identify potentially suspicious activity
• Collected and examined financial statements to assist in identifying unusual transaction activity.
• Document and report the investigation findings and prepare case files for review (e.g. media search results, copies of statements/checks, results from internal system searches etc).
• Collect and examine financial statements and documents to assist in identifying unusual transaction patterns
• Triage cases and identify items appropriate for Senior Management escalation
• Responsible for overall administration, project progress, and quality control
• Serving as an internal senior audit consultant to test, and evaluate current controls effectiveness based on procedures.
• Document findings and propose solutions on potential opportunities for enhancements.
• Performed first level quality control of alert-based generated case investigations performed by external investigators. Ascertained whether engagement procedures were correctly followed, and if case disposition was appropriately determined after evaluating investigator's findings.
• Promptly reviewed and escalated cases that were deemed to require recommending a Suspicious Activity Report (SAR) to be filed.
• Liaison between Information Technology and Project Management departments, providing business requirements and process improvement recommendations.

Confidential

Compliance SAR Writer and Testing Analyst

Responsibilities:

• Provided guidance and training to less experienced quality assurance and risk analysis staff members
• Assisted senior management in implementing changes to AML and compliance policies and procedures
• Conducted regular risk and data quality assessments
• Investigated and analyzed factors which may affect risk mitigation
• Performed ongoing validation of monitoring strategies to ensure appropriate AML governance and control
• Analyze KPIs (key performance indicators) to ensure that existing AML and compliance processes are at a level commensurate with regulatory expectations
• Submit timely and accurate documentation of performed risk assessments and AML quality assurance reviews
• Conduct timely follow-ups on pending outstanding issues to ensure quick resolutions
• Identify possible improvements to the AML infrastructure and communicate findings to the senior quality assurance management models

Confidential

QA Analyst

Responsibilities:

• Supervisory reviewer for the global transaction monitoring and SAR Teams.
• Reviewed and cleared live ofac payments, and transaction alerts identified by the banks internal transaction monitoring system.
• Reviewed Transaction monitoring scenarios for red flag activity, sanctions, OFAC findings, adverse news, money laundering, and misappropriation of funds.
• Provided investigative analysis of entities and counterparties related to transaction activity for validation of the economic and associated purpose of the transactions.
• Evaluated AML and economic sanctions related alerts, primarily focusing on correspondent banking activities. Ensure risk management components and controls relative to the AML/OFAC Sanction compliance industry rules and practices. Establish daily compliance guidelines, including setting threshold and risk metrics for monitoring systems, and advising on appropriate and required screening processes.
• Ensured investigative analysis, research steps and documentation are performed accurately and completely.
• Identified potential risk issues and escalate as needed while providing proposed solutions.
• Executed reports for management identifying trends and information related to financial crimes.
• Perform second level reviews and gave feedback on QA Analyst findings of the Case Investigator analysis.
• Assessed high risk client profiles and documentation to support the investigative process and ensure all necessary information has been obtained.
• Facilitated development, design, follow-up and execution of QA testing and ensure timely response and action regarding findings.

Confidential

Quality Assurance, Project Lead

Responsibilities:

• Responsible for Analyst QA and their deliverables of Know-Your Customer (KYC), CDD, and EDD profiles for high - quality standards: and monitored metrics to achieve weekly productivity targets.
• Created and streamlined processes for a pipeline of over 20,000 customers. Prioritized workflow and deadlines improved overall operation; served as an escalation point for compliance review.
• Managed the performance of “EDD” Functions for compliance watch list clients, transaction alert accounts,, high-risk clients, client refresh reviews, and remediation development.
• Provided guidance and due diligence review on NPA(New products Approval), and NCR (New Client Reviews) being on boarded to their specific business platforms.
• Functioned as an advisor in the approval of new products (NPA) for advisement of AML and consumer requirements, marketing prerequisites, and reputational risk of onboarded clients.
• Provided centralized EDD production, and validation of client information, including annual financials, review of complex ownership structures and ultimate beneficial parties.
• Trained QA Analyst, Bank employees, and analyst regarding policy and procedures of applicable regulatory, and bank standards.
• Provided training and served as subject matter expert (SME) on bank processes such as investigative techniques, identifying reputational risk, transaction analysis, KYC interpretation, CIP requirements, CDD?EDD results or findings, high-risk clients assessment’s, high volume clients, and business clients.
• Provided final narratives and research for escalated cased requiring compliance advisement for a conclusive decision of client retention.
• Maintained excel workbooks and access databases for efficient record keeping.
• Collaborated with the bank’s Compliance Officer to update policies and procedures to comply with BSA/AML requirements and to ensure appropriate controls were in place within the institution.

Confidential

Investigations Analyst

Responsibilities:

• Transaction /OFAC/ Sanctions Monitoring duties included Monitoring transactions completed in bordering locations for questionable activity and/or red flags.
• Monitored Money Service Businesses, ATM owners, Casinos, Lending Activity, high-risk customers, and other customer relationships for the recommendation of and enhanced due diligence review.
• Conducted analysis and enhancement of high risk country program.
• Performed a transactional analysis of all depository accounts and customer relationship accounts to determine if evidence of money laundering patterns are present.
• Responsible for OFAC reporting and communications, licensing, managing regulatory exams, audit and directing process standardization.
• Implemented daily procedures manual for OFAC Unit and OFAC Sanction Screening Policies and Procedures for local and global business units.
• Worked with information technology on OFAC monitoring, screening, and testing processes.
• Reported blocked or rejected transactions to OFAC, including the Annual Report of Blocked Property and overseeing blocked funds.
• Conducted risk assessment of OFAC and Global Sanctions Policy risk across businesses and product lines in order to identify high-risk area for OFAC and Global Sanctions Policy requirements.
• Advised branches and businesses on the firm Foreign Corrupt Practice Act (FCPA) Corporate Compliance Program.
• Responded to the branches and businesses inquiries with regard to OFAC and Anti Money Laundering (AML), and Foreign Corrupt Practice Act (FCPA) matters.
• Clearing of daily high volume OFAC transactions from filter and Swift system, and determining if they are potential or false-positive “hits” for OFAC, non-proliferation, denied persons list, and conducted further investigation as needed.
• Handled OFAC issues arising from AML Transaction monitoring, 314(b) sharing of information, or inquiries form government agencies; and lead investigation and due diligence reviews for OFAC issues.

Confidential

ILQA Analyst

Responsibilities:

• SAR and Transaction Monitoring related duties:
• Evaluated transactions, customer relationships and account information provided by multiple sources to improve automated detection capabilities, optimize detection scenario thresholds and identify potential emerging Money Laundering / Terrorist Financing trends.
• Conducted business as usual investigations, research, analyses and evaluation of complex account transactions and relationships that appeared suspicious by reviewing alerts generated by the PCM and Norkom transaction monitoring system.
• Completed investigations and analysis on accounts from Low to High Risk jurisdictions/countries and for all group and correspondent banks including: Wire Transfers, Book Transfers and payments.
• Conducted Enhanced Due Diligence (EDD) investigations on firms, organizations and individuals suspected of money laundering crimes and/or terrorist financial crimes.
• Gathered information using internal and external systems, databases and other resources.
• Documented and reported investigations and findings in Norkom monitoring system and provided recommendations and depositions, including presenting recommendations and findings to SAR committee.
• Liaison to transaction monitoring team leads to ensure follow up on all SAR documentation
• KYC/ EDD Analyst Duties:
• Conducted Enhanced Due Diligence (EDD) reviews of existing and potential new high-risk customers (US & Foreign) escalated by the markets and banking businesses through Electronic Customer Acquisition Due Diligence (platform and existing paper processes).
• Contact person for resolution and tracking of relationships identified as potentially high risk (OFAC and PEP) through on-boarding process, periodic review processes, and conducted additional research needed to resolve potential hits
• Maintained compliance with Bank Secrecy Act, OFAC and US Patriot Act including Customer Identification Program (CIP), customer due diligence, identification of high risk accounts and reporting suspicious activities to Supervisor or BSA/AML Officer.
• Reviewed and updated information on KYC database

Confidential

Sr. AML Compliance/ Credit Risk Analyst

Responsibilities:

• Direct reports included Underwriting Managers, Credit Risk Analyst directly managed approximately15 analysts.
• Conducted internal account/customer reviews to identify potentially suspicious activity.
• Completed analysis of transactional information to identify risks, trends and potential suspicious activity.
• Provided guidance, oversight, and support to Business Lines and Operating Units concerning responsibilities in the investigative process, implementation of Confidential Act requirements, vetting OFAC hits and 314(a) (b) reporting.
• Assisted account opening team to obtain front-end customer due diligence (CDD) and effectively control risk through development of customer transaction profiles.
• Prepared Suspicious Activity Reports (SAR) in compliance with established regulatory guidelines and time frames.
• Tracked and followed missing documentation. Escalated any negative news or Regulatory Data Corporation (RDC) alerts to KYC Validation Manager to provide follow-up client KYC or EDD.
• Shared findings with senior staff and Upper management through report presentation. Provided common findings and trend analysis.
• Participated in development of goals and execution of strategies within the risk and compliance departments.

Confidential

Compliance Analyst

Responsibilities:

• Monitored and Reported activity from of PTA, Concentration and PIA Accounts.
• Documented and reported investigation findings and prepared case files for review
• Maintained advanced knowledge of regulations that relate to the Bank AML program.
• Performed Risk analysis on moderate to high risk cardholders to ensure compliance with BSA.
• Reviewed all Due Diligence tickets submitted by KYC Analyst for quality assessment and assurance.
• Collected and examined financial statements and other pertinent documents to assist in identifying unusual transaction patterns. Multiple researches were provided on available bank systems, Internet and databases that were consistent with the resolution of investigations.
• Wrote and filed Suspicious Activity reports (SARs) and recommended relationship retention or termination and tracking of account closures as required.
• Ability to analyze data, draw conclusions and comprehend complex products across all NAM business sectors on matters that impacted an investigation.
• Maintained consistent interaction with Senior Management in regards to compliance, legal and business sectors concerning AML discrepancies

Confidential

Quality Review Auditor

Responsibilities:

• Responsibilities include management, coaching, and provided expertise for audit team on site.
• Monitored auditor's work to assure productivity is achieved, back - checking audits and providing guidance and training to achieve 98.5% accuracy in auditing.
• Thorough understanding of the laws applicable to money laundering (i.e., Bank Secrecy Act, the Confidential Act, and OFAC program requirements and articulate and comfortable working with senior management.
• Experience with performing transactional reviews and SAR filing requirements.
• Performed enhanced due diligence reviews for high risk customers and reviewing transactions and analyzing complex data to assist in determining if activity appears suspicious.
• Responsible for providing referrals for further suspicious activity report (SAR) analysis and developing written recommendations for high risk customers.
• Properly documented ownership through KYC, CIP, CDD and EDD procedures.

Confidential, Denver, CO

Senior Underwriter

Responsibilities:

• Responsible for underwriting all type of programs Alt A, Sub Prime, and Jumbo loans.
• Underwrote at least six files per day, all loans must be manually underwritten although I have DU/LP experience we had to calculate all ratios manually.
• Reviewing the credit and appraisal, assessing risk, applying conditions to make the loan insurable, salable and serviceable, and ensuring the absence of fraud.
• Ensure accuracy, review and evaluate information on loan documents to determine if buyer, property, and loan conditions meet company and/or government standards, determines terms and acceptability of risk of prospective loans.
• Experience with refinance, purchases, home equity, jumbo, conforming., non-conforming and government

Confidential, Downs Grove, IL

Underwriter

Responsibilities:

• Review file credit decision of low level underwriters and provide feedback when needed
• Assesses risks associated with the real estate appraisals and evaluation value and quality of appraisal report in accordance to bank guidelines
• Underwriting and processing all Internet Applications submitted through Confidential ’s web site
• Examine, evaluate, and authorize approval on applications for1st mortgage loans, lines of credit, home equity loans
• Review approved applications to ensure compliance within bank guidelines.
• Maintain efficiency rating of 90% with an average of all loans evaluated each month.
• Inform applicants of approval or decline with terms and conditions.
• Worked with loan processing staff to close loans in a timely manner.