Demetricus Benedict

Risk and compliance professional with progressive experience across consumer banking, financial crimes, and account portfolio risk assessment. Skilled in RCSA execution, AML/KYC due diligence, financial controls auditing, and risk policy development within highly regulated environments. Proven ability to analyze complex account and transaction data, identify emerging risk trends, and translate findings into clear, data-driven reporting for senior leadership.

Experienced supporting regulatory exams, internal audits, and cross-functional initiatives with risk, compliance, and operations stakeholders.

Financial Analysis Analyst Senior at The Cigna Group (2024-10 – Present)

• Manage billing operations and client relationships for a portfolio of under-500 large accounts, analyzing ACH transaction files to identify financial risk and improve billing accuracy.
• Audit financial controls across the account portfolio, identifying gaps and driving process improvements that strengthen risk mitigation and operational efficiency.
• Conduct ongoing risk assessments to evaluate account-level exposure, translating findings into control enhancements that improve accuracy and client satisfaction.
• Underwriting guidelines, oversee complex deal approvals and ensure business portfolios stay profitable and compliant
• Partner with sales, actuarial, legal, claims and executive teams to scale pharmacy business portfolio safely.
• Set risk criteria, pricing frameworks, and administrative standards.
• Ensure adherence to state, federal, and scale business portfolios safely.

Financial Crimes Analyst III at Truist Bank (2022-11 – 2024-04)

• Led risk assessments and compliance testing across banking operations, monitoring vendor management KPIs and implementing control enhancements that strengthened risk posture.
• Executed Risk & Control Self-Assessments (RCSAs), front-line control testing, and internal audits, ensuring alignment with regulatory and risk management standards.
• Presented risk assessment findings and KPI performance to senior leadership, informing decision-making and driving internal control improvements.
• Revised policies and procedures in response to regulatory changes, strengthening governance documentation and audit readiness.

AML Quality Control Analyst at TD Bank / Aquest (2024-05 – 2024-11)

• Reviewed AML/OFAC cases for regulatory compliance, documenting findings and recommending corrective actions that strengthened quality control standards.
• Assessed KYC customer risk profiles and maintained a centralized QC findings database, ensuring accurate, audit-ready documentation across case reviews.
• Identified and communicated case discrepancies to stakeholders, proposing remediation strategies that reduced compliance risk exposure.

Patient Account Representative II at Emory Healthcare (2023-09 – 2024-09)

• Led risk assessments and data analysis to support operational compliance, identifying trends that informed process and policy decisions.
• Developed testing strategies and presented data-driven solutions, improving the accuracy and efficiency of operational processes.
• Built risk models and delivered findings to senior leadership, supporting informed, data-backed decision-making.
• Processed and coded insurance claims accurately, ensuring timely provider reimbursement and compliance with payer requirements.

Financial Crimes Analyst II at Truist Bank (2021 – 2022)

• Conduct KYC, AML, and fraud reviews for new and existing customers, including high-risk industries.
• Perform enhanced due diligence and document findings in accordance with regulatory requirements.
• Partner with internal stakeholders to ensure AML, KYC, and fraud requirements are completed accurately and on time.
• Monitor case pipelines and manage customer review and renewal cycles.
• Identify, assess, and escalate potential financial crime risks and control issues.
• Provide risk assessments and recommendations based on customer and industry profiles.
• Analyze fraud and AML trends to identify emerging risks and process improvements.
• Track operational metrics and support achievement of departmental performance goals.
• Maintain compliance with internal policies, regulatory requirements, and quality standards.
• Support fraud detection, prevention, and investigation activities while contributing to continuous process improvement.

Assistant Branch Manager at Truist Bank (2020 – 2021)

• Support business, treasury, and leadership teams in optimizing branch and legal entity balance sheet performance.
• Analyze financial data to identify trends, risks, and opportunities for improved resource allocation.
• Develop reporting tools, dashboards, and analytics to support business decisions.
• Evaluate the financial impact of new business initiatives and operational changes.
• Assist with cost allocation processes and financial resource management.
• Participate in local and enterprise-wide projects related to operational and financial performance.
• Monitor balance sheet metrics and provide recommendations to management.
• Coach, train, and mentor team members to support performance and development.
• Oversee daily branch operations, ensuring compliance with policies, risk controls, and service standards.
• Support deposit growth, investment referrals, and community business development initiatives.

Senior Relationship Banker at Truist Bank (2019 – 2020)

• Build and maintain strong client relationships by providing personalized financial guidance and responsive customer service.
• Meet with clients in person and by phone to understand financial goals and recommend appropriate banking products and services.
• Use a consultative approach to identify customer needs and deliver tailored financial solutions.
• Educate clients on digital banking tools, including mobile banking, online banking, and self-service channels.
• Maintain knowledge of banking products, services, and procedures to provide accurate recommendations and referrals to specialists when needed.
• Ensure compliance with banking policies, procedures, and regulatory requirements.
• Identify, assess, and help mitigate financial, operational, and regulatory risks while supporting compliance and protecting organizational assets.
• Support branch goals by growing customer relationships, expanding deposits and lending opportunities, and delivering a positive client experience.

B.S. in Biology – Morehouse College