Miranda W

Highly analytical and results-driven Fraud and Financial Crimes Investigation Manager with 9+ years of comprehensive experience leading high-performance teams and protecting tier-1 banking systems and federal programs against sophisticated fraudulent schemes, money laundering syndicates, and financial crimes. Expert in complex transactional data analysis, chargeback risk, multi-million dollar asset tracing, and cross-functional case resolution. Proven track record collaborating with data engineers to deploy optimized fraud detection engines and generative AI tools, effectively cutting investigation cycle times by 30% and filtering out 93% of false-positive system noise.

Highly proficient at interpreting banking patterns and regulatory requirements to deliver airtight investigative narratives for law enforcement and regulatory submission.

Financial Crimes & Fraud Investigations Consultant (Lead/Manager) - INDEPENDENT CONSULTANT - Remote

(2020-11)

• Complex Financial Crimes Advisory: Serve as a Lead Investigator providing deep-dive forensic financial investigations and programmatic fraud risk consulting for major financial networks and federal agencies.
• Detection Engine Calibration: Executed Above-the-Line (ATL) and Below-the-Line (BTL) monitoring reviews to systematically optimize fraud tracking filters, drastically sharpening rule accuracy.
• AI-Accelerated Fraud Intel: Deployed ChatGPT and Copilot to design robust prompt sequences for mapping intricate fraud threat behaviors, cutting narrative report generation delays by 30%.
• Cross-Functional Risk Architecture: Led high-stakes focus groups with product owners and engineering branches to deploy responsive operational logic, establishing definitive audit-readiness frameworks.
• Forensic Data Mapping: Leveraged advanced data visualization frameworks (Tableau/Splunk) to synthesize transaction histories, identifying critical tracking parameters to trace hidden assets and illicit funds.

AML/BSA & Fraud Risk Consultant (Lead Analyst) - PNC - Remote

(2022-04 - 2024-05)

• High-Exposure Investigations: Managed sophisticated, multi-jurisdictional financial crime alerts, mapping complex layering networks, corporate shell anomalies, and check-kiting profiles.
• Advanced System Extraction: Extracted large-scale historical transaction data using automated queries, tracking trends inside Verafin to isolate subtle structural fraud indicators.
• AI Narrative Optimization: Integrated advanced LLMs (Claude/Gemini) to clean, structure, and refine detailed internal briefs, standardizing investigative evidence and maximizing report precision.
• Control Architecture Mapping: Partnered with corporate compliance officers to map active transaction screening parameters against federal guidelines, identifying and correcting latent systemic exposure.

Federal Fraud Risk Analyst (Lead Investigator) - U.S. DEPARTMENT OF COMMERCE - Remote

(2020-11 - 2022-07)

• Macro Federal Investigations: Designed and conducted exhaustive macro-level fraud identification analyses to safeguard multi-billion dollar federal COVID-19 relief distributions from syndicates and identity rings.
• OIG Data Accountability: Assembled detailed transaction evidence packages for Office of Inspector General (OIG) reviews, adhering perfectly to strict OMB and Treasury data preservation protocols.
• AI-Infused Risk Control: Leveraged generative AI services to draft baseline risk models and program control modifications, achieving a 35% reduction in program vulnerability against identity fraud rings.
• System Integrity Auditing: Audited documentation systems across high-exposure federal workflows, implementing hard programmatic guardrails that eliminated critical operational data anomalies.

Financial Crimes Investigations Lead / Manager - TRUIST - Wilson, NC

(2015-08 - 2020-11)

• Investigative Operations Leadership: Supervised high-velocity fraud alert queues and structured daily data handling for a specialized team enforcing corporate BSA/AML protection lines.
• End-to-End Case Resolution: Managed complex, deep-dive fraud reviews from identification to SAR narrative writing, highlighting complex payment anomalies and chargeback fraud vectors.
• Noise Elimination Strategy: Restructured alert workflows and tuned engine parameters, achieving an outstanding 93% decrease in false-positive noise and optimizing operational throughput.
• Professional Coaching: Conducted technical training sessions for junior analysts covering data gathering protocols, forensic documentation, and standard banking rules to ensure perfect audit outcomes.

B.S. - Information Technology - Western Governors University

AAS - Healthcare Information Technology - Miller-Motte Technical College