Michaela Munio

Fraud Operations and Compliance Analyst with experience in fraud investigations, dispute and chargeback management, KYC, AML compliance, transaction monitoring, and Enhanced Due Diligence (EDD). Skilled in risk assessment, regulatory compliance, and identifying suspicious activity while ensuring adherence to Regulation E, Visa Core Rules, and AML requirements.

Admin and Accounting Assistant at Private Client (2023-10 – 2026-05)

• Assisted with bookkeeping, invoice processing, and BIR-related compliance requirements.
• Prepared financial reports, reconciliations, and supporting documentation.
• Managed administrative processes, document control, and records management.
• Coordinated schedules, communications, and operational support in a remote environment.
• Maintained accurate financial and compliance records while ensuring confidentiality.
• Communicated with vendors, clients, and government agencies regarding financial and administrative matters.

Compliance Analyst at Ubiquity Global Services (2021-07 – 2023-09)

• Performed KYC, Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), sanctions, PEP, HIO, and adverse media screening for individual and corporate customers.
• Reviewed ACH, EFT, SWIFT, and wire transfer transactions to identify suspicious activity, fraud indicators, and AML risks.
• Conducted transaction monitoring and financial crime investigations to detect unusual transaction patterns and potential money laundering activities.
• Escalated suspicious transactions and supported Suspicious Transaction Report (STR) and Currency Transaction Report (CTR) preparation in accordance with regulatory requirements.
• Prepared investigation reports and maintained accurate, audit-ready compliance documentation.
• Monitored high-value Canadian wire transfer requests using the Payment Risk Management (PRM) tool to assess transaction risk and support payment approvals.
• Collaborated with Compliance, Risk, Fraud, and Operations teams to strengthen internal controls and regulatory compliance.
• Performed customer due diligence by validating customer profiles, beneficiary information, transaction history, and supporting documentation.
• Investigated sanctions, PEP, HIO, and adverse media alerts, distinguishing true matches from false positives and escalating high-risk cases as appropriate.
• Investigated fraud alerts, chargebacks, and disputed transactions in compliance with Visa and Mastercard regulations.
• Monitored transaction activity to identify fraud indicators and emerging fraud trends.
• Conducted account reviews and risk assessments for suspicious customer activity.
• Resolved fraud cases and documented investigation findings in accordance with company procedures.
• Assisted in implementing fraud prevention measures and process improvements.

Bachelor of Science in Accountancy – New Era University (2019 – 2021)

Senior High School in Information and Communications Technology (2018 – 2019)