Ray Johnson

Analyze incoming suspicious activity notifications to assess risk and potential BSA/AML violations. Draft comprehensive SARs with supporting documentation for internal review and federal filing. Coordinate responses and prepare documentation for BSA/AML regulatory examinations.

BSA/AML/OFAC/EFT Officer - BECU - Seattle, WA

(2024-06)

• Analyze incoming suspicious activity notifications to assess risk and potential BSA/AML violations.
• Draft comprehensive SARs with supporting documentation for internal review and federal filing.
• Coordinate responses and prepare documentation for BSA/AML regulatory examinations.
• Perform EDD on high-risk customers and review subpoena data for compliance impact.

BSA/AML Analyst - BECU - Seattle, WA

(2022-06 - 2023-12)

• Reviewed internal alerts and 314(b) information requests to identify suspicious financial activity.
• Assisted with SAR drafting and regulatory documentation preparation.
• Performed daily transaction review and risk scoring across member accounts.

Fraud Investigator / AML Consultant - PwC - San Antonio, TX

(2022-09 - 2022-06)

• Led fraud and AML investigations using transaction monitoring systems and third-party research tools.
• Created SAR narratives and training documentation for financial institutions' fraud operations teams.
• Supported AML/BSA audits and regulatory compliance reviews.
• Developed internal procedures and PowerPoint decks for client training and onboarding.

MSR III CCO Fraud and Digital Services - Navy Federal Credit Union - Pensacola, FL

(2021-07 - 2022-09)

• Monitored institutional and customer transactions for suspicious activity.
• Reviewed fraud claims and escalated high-risk accounts for further investigation.
• Contributed to SAR investigations and compliance documentation.

Member Service Rep II - Navy Federal Credit Union - Atlanta, GA

(2019-04 - 2021-06)

• Assisted members with opening accounts, credit card applications, and loan processing.
• Performed account reviews to ensure regulatory and fraud prevention compliance.

Business Banking Specialist - Wells Fargo - Atlanta, GA

(2017-10 - 2019-04)

• Managed small business banking relationships and identified fraud risk indicators.
• Processed high-volume transactions while maintaining compliance with AML protocols.

B.S. - Business Administration and Management - Virginia Commonwealth University (2014-05)