Mbah Mbah

An experienced fraud and financial-crime analysis professional with 5 years experience reviewing suspicious and potentially fraudulent financial transactions. Skilled in transaction analysis, Know Your Customer (KYC) reviews, PEP screening, Negative News screening, risk assessment, case documentation, and researching activity to support informed investigation decisions. Knowledge of anti-money laundering (AML) and regulatory frameworks, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) requirements.

Familiar with Suspicious Activity Report (SAR) writing and clear, evidence-based reporting. Detail-oriented, analytical, and committed to protecting customers and supporting compliance requirements.

Fraud Analyst - American Express - Remote

(2023-03)

• Conduct timely and thorough investigations of suspicious and fraudulent transactions using various research tools, including Mainframe, Image Center, Image Vision, PS2, LexisNexis, World Compliance, and Google, to identify potential fraud and financial crime indicators
• Investigate complex fraud cases, including identity theft and other suspicious activities , and draft detailed SAR narratives that clearly document investigative findings, supporting evidence, and compliance considerations.
• Review and investigate suspicious activity involving credit cards, High-Yield Savings Accounts (HYSA), Business Checking Accounts (BCA), and Consumer Checking Accounts (CCA), eliminate false alerts, and draft detailed SAR narratives when suspicious activity is identified.
• Analyse transactional red flags, including unusual third-party wires, rapid movement of funds, significant spikes in account activity, multi-source funds-in, bulk purchases involving sensitive industries, unusual ATM withdrawals, and activities inconsistent with the customer’s profile.
• Perform in-depth financial transaction analysis to identify patterns, relationships, and behavioral changes that may indicate fraud and money laundering, account takeover, identity theft, or other suspicious financial activities.
• Utilize applicable USA PATRIOT Act Section 314(a) and 314(b) requests to obtain and share relevant financial information as permitted to support financial crime investigations.
• Draft DNAS (Does Not Appear Suspicious) reports for investigations where findings do not substantiate suspicious activity, clearly documenting the investigative analysis, supporting evidence, and rationale for case closure.
• Properly document investigation findings to provide law enforcement with relevant information for further investigation of money laundering, terrorist financing, credit card fraud, identity theft, and other fraudulent activities, ensuring adherence to applicable banking regulations.
• Develop and maintain effective working relationships with internal stakeholders and cross-functional teams to facilitate information sharing and strengthen investigative collaboration, and coordinate fraud and financial crime investigations within the Financial Intelligence Unit (FIU).
• Participate in ongoing training and professional development to strengthen investigative expertise and remain current with procedures, regulatory requirements, and best practices for identifying, investigating, and reporting suspicious activities.
• Protect confidential customer information and sensitive financial records by adhering to data privacy policies, confidentiality requirements, and applicable regulatory standards
• Analyze Zelle transaction histories to detect red flags, suspicious activity, and potential fraud and money laundering schemes.
• Review Zelle transaction trends, customer profiles, and account activities to identify potential financial crime risks.
• Prepare detailed investigative reports, document findings, and escalate high-risk Zelle transactions in accordance with internal procedures.

AML Analyst - Bank of New York Mellon - Remote

(2022-04 - 2022-11)

• Monitored customer financial transactions and account activity to identify, investigate, and report suspicious activity, including rapid movement of funds, structuring, activities involving high-risk jurisdictions, unusual cash deposits and withdrawals, and transactions involving unrelated third parties.
• Reviewed daily branch referrals and financial activity to identify potentially reportable currency transactions and obtained additional information from branch personnel when required.
• Reviewed Monetary Instrument Logs (MILs) and related transaction activity to identify reportable transactions and support CTR compliance.
• Performed ongoing monitoring of existing customer accounts to ensure compliance with AML/KYC policies and banking regulations, demonstrating strong attention to detail.
• Utilized systems, including Verafin, to review and analyze currency transactions, investigate alerts, and validate transaction information for BSA/AML compliance.
• Reconciled transaction details and supporting documentation to ensure CTR accuracy, completeness, and regulatory compliance before final submission.
• Conducted detailed investigations into suspicious activity and transactions to identify potential money laundering activities, leveraging risk assessment strategies and risk mitigation.
• Assessed customer profiles for irregularities or inconsistencies with expected behavior using strong analytical skills and statistical analysis techniques in line with AML/KYC requirements.
• Documented all investigative processes following applicable laws and regulations, ensuring policy adherence and compliance reporting.
• Maintained up-to-date knowledge of current AML trends, regulations, and best practices, showcasing strong research abilities.
• Traced the movement of funds across accounts to identify suspicious beneficiaries, transaction networks, and potential fraud rings.
• Collaborated and communicated effectively with various teams within the organization about AML compliance matters and fraud trends, and brainstormed methods to combat fraud and money laundering activities

AML/KYC Analyst - Morgan Stanley - Remote

(2021-10 - 2022-04)

• Conducted comprehensive AML/KYC reviews of individual and corporate accounts, including Personal Holding Companies (PHC), Limited Liability Companies (LLC), and Trusts, assessing financial crime exposure and ensuring compliance with regulatory requirements.
• Verified and corroborated customers’ source of income (SOI) and source of wealth (SOW) through supporting documentation, applying analytical skills to assess the legitimacy and consistency of financial profiles.
• Conducted detailed investigations involving high-risk jurisdictions and PEPs, identifying potential compliance risks, and collaborated with internal compliance teams to address and mitigate identified concerns.
• Conducted Know Your Customer (KYC) reviews to verify customer identities, assess risk profiles, and ensure compliance with AML regulations and internal policies.
• Performed Enhanced Due Diligence (EDD) on account holders and associated parties using various investigative tools, including DDIQ, RDC, ComplianceLink.
• Conducted sanctions screening reviews to identify potential matches involving individuals, businesses, and entities listed on applicable sanctions watchlists.
• Reviewed and investigated potential sanctions matches, distinguishing false positives from potential true matches through detailed analysis of identifying information.
• LexisNexis, and Google to identify negative news, PEP associations, and sanctions exposure, demonstrating findings to support risk assessment.
• Identified potential areas of compliance vulnerability and emerging risk, suggested corrective actions, and process improvements to strengthen risk mitigation and operational effectiveness.
• Ensured investigative findings and supporting documentation adhered to BSA/AML regulations, internal policies, and investigative standards, ensuring accuracy and completeness.
• Actively assisted the management team in special cases that were either systems-related or involved in special investigations or reviews, showcasing teamwork and effective communication.
• Met or exceeded daily production expectations through effective time management and a strong work ethic

Bachelor of Science - Accounting and Finance - University of Buea, Cameroon (2010-10 - 2013-07)