Melody Nyarko Amoabeng

AML/Fraud Analyst - PNC Bank - Newark, NJ

(2025-01)

Investigate and analyze suspected fraud cases arising from account surveillance and branch escalations, identifying patterns that inform new countermeasures.
Analyze large volumes of transactional data in Looker, Unit21, Salesforce, LexisNexis, and Zendesk to investigate complex fraud cases, including account takeover, dispute fraud, and identity theft, surfacing emerging fraud trends.
Conduct detailed investigation into suspicious activity and draft SAR when risk cannot be mitigated.
Collaborate cross-functionally with internal teams and compliance stakeholders to align on SAR requirements, communicate investigation findings, and drive process improvements.
Evaluate risk scenarios and identify system vulnerabilities through objective, thorough investigations using Looker, Zendesk, Unit21, RDC, Whatismyipaddress, and Documentum, proposing corrective actions to strengthen fraud controls.
Prepare and send SAR to regulatory compliance manager prior to filing.
Review and updates code of conduct and company Policies.

AML/KYC Analyst - Chase Bank - Belair, MD

(2023-02 - 2024-12)

Maintain up-to-date knowledge of emerging fraud methodologies, trends, and detection technologies.
Sound knowledge of regulatory requirements related to fraud detection and investigation.
Monitor, inspect, and validate institutional transactions and account activity to identify fraud and ensure outcomes meet compliance standards.
Participated in new client onboarding and contract renewal processes using tools such as RDC, Actimize, World check, Clink, LexisNexis.
Escalated unusual activity to the Financial Intelligence Unit (FIU) and assisted with escalating potential risks.
Maintained detailed records on clients for second level review.
Proven track record in risk assessment, data analysis, and fraud detection, applying analytical rigor to predict potential fraud scenarios and propose solutions.
Identify fraud patterns and anomalies through analysis of large quantities of data, translating insights into actionable, data-driven recommendations.
Supported investigations into potential fraud, money laundering, and compliance breaches, preparing clear reports with findings and recommendations.
Conduct risk assessments and reviews of client processes to identify system vulnerabilities and gaps in internal controls, compliance, and fraud prevention frameworks, proposing corrective actions.
Prepared training and awareness materials on fraud prevention, AML, and compliance for client workshops.

AML/KYC Analyst - Access Bank - Accra - Ghana

(2021-01 - 2023-01)

Performed independent check of KYC information provided by front office.
Implemented appropriate CIP (Customer Identification Program) and CAP (Customer Acceptance Policy).
Adept at applying KYC guidelines to prevent funds from being used for fraudulent purposes.
Identified and resolved any issues in relation to the onboarding process.
Reviewed and detected suspicious activities based on a variety of AML Systems generated transactional alerts from transactional activity.
Analyzed client data, documentation, and negative news to determine client risk profile as established under the global KYC Procedures.
Reviewed customer financial data to ascertain the level of risk involved for extending credit.
Liaised with branch managers to receive feedback on customer satisfaction and provide guidance on achieving KYC objectives.

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