Valentina Balanta

AML and financial crime compliance analyst with 3+ years of experience in KYC due diligence, CDD/EDD reviews, sanctions screening (OFAC, UN, EU), PEP identification and ongoing monitoring, and transaction monitoring across regulated financial institutions and international BPO operations serving U.S.-based clients. Proven track record managing 100+ client profiles monthly under strict regulatory SLAs, building audit-ready case files, and escalating suspicious activity in compliance with FATF, BSA, OFAC, and FinCEN standards. Complementary background in fraud investigation, provider credentialing, and primary source verification (PSV), with working knowledge of cross-jurisdictional regulatory frameworks spanning the U.S., EU, and Latin America.

Bilingual

English/Spanish (C1+), with Portuguese (B1). Proficient in SQL, Power BI, Tableau, advanced Excel (pivot tables, Power Query), SAP, and Oracle ERP.

AML & KYC Compliance Specialist at Ubiquity Global Services – WisdomTree Account (BPO/Outsourcing) (2022-05 – 2023-06)

• Executed KYC due diligence and CDD/EDD reviews on 100+ client profiles monthly, assessing risk ratings, identifying red flags, and escalating suspicious activity to the U.S. compliance team in English.
• Performed sanctions screening and PEP identification against OFAC, FinCEN, EU, and internal watchlists, maintaining audit-ready case files under strict regulatory deadlines.
• Drafted SAR/STR documentation and compliance reports with zero-tolerance accuracy in accordance with FATF AML/CFT guidelines and Bank Secrecy Act (BSA) requirements.
• Researched multi-jurisdictional statutory and regulatory requirements to support risk scoring models and strengthen AML typology detection.

Compliance, Fraud Monitoring & Provider Credentialing Specialist at Humana | via Everise (BPO/Outsourcing) (2023-07 – 2025-05)

• Audited high-volume claims for regulatory compliance and fraud detection, applying transaction monitoring methodology to identify billing irregularities, competencies directly transferable to AML/FinCrime workflows.
• Conducted provider credentialing verification: validated licenses, DEA registrations, board certifications, malpractice coverage, and CAQH profiles against NCQA, URAC, and payer-specific credentialing standards.
• Led re-credentialing cycles and primary source verification (PSV) in compliance with HIPAA, CMS, and commercial payer requirements, flagging non-compliant providers for escalation.
• Built Tableau and Excel dashboards to monitor compliance KPIs, maintaining audit-ready documentation with 99% accuracy across first- and second-level denial/appeal workflows.

Legal & Compliance Operations Analyst at Kanner & Pintaluga (2025-01 – 2025-08)

• Managed subrogation claims and multi-party insurer coordination, performing document due diligence and letter-of-representation (LOA) verification under U.S. legal and regulatory standards.
• Reviewed legal and medical records to detect inconsistencies and support case strategy, applying investigative analysis skills core to financial crime compliance and fraud detection.

Operations & Analytics Specialist at Executel (2025-08 – 2025-12)

• Identified workflow inefficiencies and implemented process automation across billing and operations cycles, achieving a 20% improvement in operational efficiency.
• Designed and maintained Power BI and Excel dashboards to track KPIs, producing pivot-table reports for management performance reviews.

Freelance KYC & AML Compliance Analyst at Independent Contractor (2026-03 – Present)

• Perform KYC due diligence reviews, CDD/EDD assessments, and customer risk scoring for a U.S.-facing financial services provider.
• Screen clients against OFAC, FinCEN, and international watchlists, identify PEPs and adverse media, and escalate findings while maintaining audit-ready case documentation per FATF and BSA standards.

Freelance Medical Billing Compliance Auditor at Independent Contractor (2026-03 – Present)

• Conduct claim accuracy audits and billing compliance reviews for a U.S. medical provider, ensuring adherence to CMS, HIPAA, and payer-specific coding and reimbursement guidelines.
• Identify billing irregularities, document findings, and support corrective action plans, managing denial follow-up and regulatory documentation workflows.