Associate II - Guidehouse - San Antonio, TX
(2024-06)
Client: Cryptocurrency Company
- Develop, execute, and uphold Anti-Money Laundering (AML) compliance initiatives aligned with regulatory standards and company policies.
- Continuously monitor and evaluate AML risks, recommending appropriate measures to mitigate these risks.
- Investigate and assess suspicious activities and flagged transactions identified by AML monitoring systems.
- Collaborate with internal departments to strengthen AML controls and procedures.
- Remain aware of changes in AML laws, regulations, and industry best practices.
- Prepare and submit necessary regulatory reports such as Suspicious Activity Reports (SAR) and/or Continuing Activity Reports (CAR).
- Conduct quality assurance (QA) reviews for all AML cases, fraud cases, SARs, and CARs (1 year).
- Mentor less experienced/new co-workers and assist them if they have questions about policies, procedures, and/or transactions.
Financial Crimes Specialist - Wells Fargo - Tempe, AZ
(2022-07 - 2024-05)
- Conducted reviews of bank customers (individuals/entities), related parties (owners, board of directors, and/or executives) and/or transactions that presented a moderate degree of complexity and risk to determine appropriateness for Wells Fargo.
- Mainly conducted Anti-Money Laundering (AML), fraud, trust account, and mortgage reviews.
- Conducted comprehensive research and/or background investigations on individuals, entities, and organizations to identify and mitigate associated sanctions, financial crime, and reputational risks.
- Reviewed transactions and profiles of low-risk, medium-risk, and high-risk customers and thoroughly documented findings in a timely manner to complete a Suspicious Activity Report (SAR) or determine if a SAR was not warranted.
- Evaluated risks to determined permissibility under sanctions, regulations, and/or BSA/AML regulations.
- Often assisted in the exit process of customers if reputational risk to the bank is warranted.
- Provided appropriate direction to the line of business. Escalated confirmed sanctions alerts, PEP matches, and other risks appropriately.
- Consulted with the front line of business to better understand risks associated with customers such as elderly customers. Often identified additional risks and escalated appropriately to other lines of business when needed.
- Ensured compliance with guidelines set forth in federal/state anti-money laundering (AML) laws and regulations including the Bank Secrecy Act and various sanctions regulations, and in accordance with policy and procedures set by the bank.
- Effectively managed work case load to meet performance expectations with high quality case work with low reassessment ratings.
- Mentored less experienced/new co-workers and assisted them if they have questions about policies, procedures, and/or transactions.
Senior Analyst I - AML RightSource - Phoenix, AZ
(2020-03 - 2022-07)
Client Companies: USAA, Capital One, and Truist. Previous Position: Associate Analyst II
- Trained to conduct transaction monitoring, alert resolution, case investigations, fraud investigations, Know Your Customer (KYC) reviews, Suspicious Activity Report (SAR) preparation, Enhanced Due Diligence (EDD) reviews, and other AML/BSA tasks.
- Mainly conducted Anti-Money Laundering (AML), fraud, and credit card account reviews.
- Reviewed transactions and profiles of low-risk, medium-risk, and high-risk customers and thoroughly documented findings in a timely manner to complete a Suspicious Activity Report (SAR) or determine if a SAR is not warranted.
- Evaluated risks to determine permissibility under sanctions, regulations, and/or AML/BSA regulations.
- Completed complex work assignments with minimal supervision and feedback.
- Workflow experience included over 1,400 hours of Know Your Customer (KYC) review experience for $120B+ financial institutions in North America.
- Independently assisted analysts with workflow items and administrative tasks as they arose while working in a team lead role.
- Identified areas for efficiency and provided actional feedback to leadership.
- Coached analysts on the most efficient means for completing their required tasks while working in a quality assurance/control role.
- Identified high performing analysts and worked with management to provide development opportunities.
- Assisted with advanced tasks as necessary, including communication with clients, assigned analysts' case work, analyzed production data, and created client specific job aids and training tools.
AML Compliance Analyst - Real Soft Inc - Tampa, FL
(2016-06 - 2017-03)
Client Company: Citigroup
- Analyzed alerts and investigated North American and Latin American customers matching Specially Designated Nationals and Blocked Persons List (SDN), Politically Exposed Persons (PEPs) list, and Negative Media list during account opening and maintenance processes.
- Performed research, compiled data, and recorded evidence from internal systems, external sources, and commercial databases to complete transaction monitoring investigations.
- Conducted enhanced due diligence (EDD) investigations in support of company policies and procedures, as well as alert investigations using global standard policies, procedures, and tools aimed at meeting internal and external regulatory requirements.
- Identified and reported unusual client activities with potential connection to sanctioned individuals, money laundering, terrorist financing, or human trafficking.
- Investigated clients and their relationships to identify motivations for criminal activity.
- Supported other analysts by conducting all necessary research on alerted transactions and counterparties associated with alerted customers and accounts.
