Shantel Woods

Fraud Analyst with over 11 years of experience in banking and 7 years focused on financial crimes, AML compliance, and fraud investigations within a large financial institution. Experienced in evaluating complex account activity, identifying suspicious behavior, and supporting regulatory decision making in high volume environments. Prepares clear case documentation aligned with investigative findings and regulatory requirements.

Works through competing priorities while coordinating with compliance, fraud, and operations partners to maintain consistent risk decisions and control standards.

KYC/AML Business Approver Analyst at Citibank (2022-02 – 2026-03)

• Assessed and made final decisions on 500+ monthly KYC and EDD cases, evaluating risk profiles, transaction history, and red flags to approve, decline, or escalate accounts with documented risk rationale.
• Identified fraud patterns by producing reports and briefing stakeholders, contributing to over $1M in fraud deterrence.
• Prepared and filed Suspicious Activity Reports (SARs) with detailed transactional narratives capturing fraud attempts, trends, and loss events in compliance with FinCEN and BSA requirements.
• Conducted Enhanced Due Diligence (EDD) reviews on high-risk accounts to assess financial and regulatory risk in accordance with internal policies and regulatory guidelines.
• Oversaw AML reporting for senior management, delivering insights on case inventory, workflow performance, and operational metrics to support risk management and SLA adherence.
• Performed quality checks on 300+ monthly case findings, identifying a 13–17% error rate and returning cases for remediation to ensure audit readiness.
• Collaborated with Fraud, Legal, Compliance, and Operations teams to ensure consistent application of regulatory requirements across final decisions

KYC/AML Compliance Analyst at Citibank (2019-07 – 2022-02)

• Reviewed Consumer and Commercial accounts within 90 days of onboarding, owning alert triage by evaluating early risk signals and transaction behavior to identify potential fraud exposure and determine appropriate case actions.
• Handled financial crime investigations from alert to disposition, analyzing multiple data sources to write Suspicious Activity Report (SAR) narratives and escalate matters for law enforcement referral or compliance review.
• Leveraged Factiva and LexisNexis to conduct adverse media and reputational risk research on high-risk customers and Politically Exposed Persons (PEPs).
• Analyzed transaction data sets to identify fraud typologies including structuring, layering, and geographic exposure.
• Partnered with internal teams to resolve documentation gaps and ensure cases aligned with BSA/AML, FinCEN, and OFAC requirements.

Credit Operations Escalations Supervisor at Citibank (2017-06 – 2019-07)

• Served as the final escalation point for complex and sensitive credit cases in a fast paced, high volume environment.
• Underwrote credit applications up to $50K, reviewing documentation, creditworthiness, and regulatory requirements.
• Spotted documentation inconsistencies and account level risk signals, building the pattern recognition foundation that carried directly into financial crimes work.
• Coached analysts in real time on credit risk review procedures, cutting down repeat escalations and sharpening team accuracy.
• Created executive level reports on escalation trends, resolution rates, and team performance.

Credit Operations Specialist at Citibank (2015-07 – 2017-06)

• Checked accounts for regulatory compliance and pulled credit bureau data to back accurate account decisions.
• Managed high volumes of inbound and outbound customer contact across phone, email, and written correspondence.
• Onboarded and trained new analysts, stepping in as the team's go to for escalated account questions.

Bachelor of Arts in Sports Management – Midway University (2013-05)