KEY COMPETENCIES

• Partner with management, project leads, SMEs and IT developers to clarify requirements, analyze data, documents, processes and procedures that result in solutions to meets the needs of the end users or compliance requirements.
• Developed reports and analyzed financial data to support risk decisions, policy, and process as well as procedure development.
• A solid understanding of many federal compliance mandates and their reporting requirements from exposure on past projects.
• Employ financial industry experience, business acumen, and soft skills to resolve issues and develop strong relationships with personnel at all levels.

Technical Skills:

• EXP: Capital Markets •EXP: Agile, Waterfall, SDLC •Internal/External Auditing
• UAT Testing •Requirements Documentation •CCAR, Basel Knowledge
• Accounting •MS SharePoint Skills •EXP: Access, T - SQL, EXCEL
• Credit Risk Analysis •IT Technology Auditing •Strong Communication Skills
• AML/KYC •Change Management Knowledge •Strong Analytical Skills

PROFESSIONAL EXPERIENCE:

Confidential, Charlotte, NC

AML Business Analyst

Responsibilities:

• Participate in a global project of separating legal entities into two separate divisions of brokerage corporate clients and retail brokerage clients at Confidential Securities
• Update project plan and report weekly status on assigned tasks; collaborate with colleagues across the bank in
• Technology, Communications, Branding, Legal, Brokerage Operations and vendors to discuss progress, challenges and set new objectives
• Develop UAT test scripts and test Client Onboarding, KYC, and Account Agreements, and KYC of clients under the
• New entity name
• Update and maintain policy and procedures manuals, databases of client information and other ad hoc projects as required
• Reconciling account data and documentation across multiple LOB that are impacted by the legal entity name change
• Agile project methodology, Change Management, Database Management using pivot tables, v - lookups, and SQL

Confidential, Charlotte, NC

Audit Business Analyst

Responsibilities:

• Analyze and audit risk based compliance programs under Consent Order to ensure compliance with federal regulations, corporate policy, of Regulation B and AML KYC for Corporate Internal Audit
• Interview business units on review of design and testing strategies, methodologies to evaluate the adequacy f policies, procedures, processes, and internal controls Identify issues resulting from the audit of internal compliance examination
• Assist with oversight and monitoring and tracking of business adherence to their action plans and remediation/ lookback results
• Summarize in detail the audit results of SQL test scripts, IT applications, Test Plans, Walk - Through data samplesdevelop trend analysis, and recommend strategies

AML/ KYC Business Analyst

Confidential, NYC

Responsibilities:

• Analyze wire transfers alerts of personal and business entities for compliance with KYC, due diligence on both the credit and 2debit side of transfers
• Analyze client profile data to ensure normal or expected activity by EDD reviews
• Knowledge of OFAC, Bank Secrecy Act and its requirement for financial institutions
• Strong research skills, advanced skills in Word, Excel, and on - line research applications.
• Develop complex written documentation for case management or SAR and escalate unusual activity to AML unit

Confidential

Project Associate Auditor, Charlotte, NC

Responsibilities:

• Review non or under - performing mortgage loans for fraud and compliance with written lending policy, procedure and were followed in loan underwriting mortgage loans, or best practices and sound judgement was applied or in absence of written guidelines and procedures, lending decisions were well documented and supporting evidence
• Examine the lending guidelines, product matrix, and statistical data from claims to develop an opposing viewpoint to support the lending decisions
• Develop rebuttals to litigious claims of fraud, misrepresentation and non-compliance with sound lending practices Documentation, and notes from the loan file, lending policy, and underwriting procedures for approving loans
• Ability to translate facts, data and information into risk story
• Ability to write clear, concise summaries of issues, actions, dispositions or resolutions

Confidential

AML/KYC Business Analyst

Responsibilities:

• Perform KYC detailed due diligence and testing on of Client On - Boarding, Acct Maintenance and Transaction
• Monitoring referrals
• Perform research using online tools, systems, and /or internet relevant for solving cases
• Analyze client profile data to ensure normal or expected activity by EDD reviews
• Develop written SARs documentation for case management and escalate unusual activity to AML unit
• Strong knowledge of Bank Secrecy Act, The USA Patriot Act, OFAC requirements Perform KYC detailed due diligence and testing on new customers accounts
• Perform research using online tools, systems, and /or internet relevant for solving cases
• Analyze client profile data to ensure normal or expected activity by EDD reviews
• Develop written documentation for case management and escalate unusual activity to AML unit

AML/KYC Compliance Analyst

Confidential, Birmingham, AL

Responsibilities:

• Perform intake controls to ensure all alerts are logged and assigned in a timely manner
• Collect and document data, including alert, investigation, SAR history; KYC information relevant to account and transaction data
• Analyze and review data gathered to assess reasonable cause to advance an alert to investigations for clear
• Disposition and fully document all alerts, including supporting data analysis and rationale within case management system
• Conduct periodic internal account /customer reviews to identify potentially suspicious activity
• Perform as a key contributor with demonstrated knowledge of AML/KYC issues, as well as broader functional knowledge

Business Analyst

Confidential, Charlotte, NC

Responsibilities:

• Provided both business and technology support for a foreclosure review process analysis of large financial institution to ensure the foreclosure procedures complied with federal and state foreclosure bankruptcy laws. Developed loan review procedures for bankruptcy and foreclosure analysis project due to Consent Order
• Translate business needs into technical requirements to ensure accurate loan review quality
• Gather, define and documents business requirements and sources for processes as they relate to foreclosure compliance review and establishing procedures
• Interact with Information Technology team and tech platform, Project Managers, audit team, and to ensure all technology applications and platforms were aligned for quality completion of audits
• Developed excel spreadsheets to support project managers in reporting and report development of non-compliant foreclosure practices that occurred during loan defaults, borrower bankruptcy, military deployment or modification using detailed and dashboard level reporting
• Identify, report and escalate software issues and concerns to ensure that the loan review analysis deliverable was completed within reasonable time frame
• Researched, developed, and documented recommendations to ensure adherence to state and federal foreclosure and bankruptcy laws to borrowers harmed by non-compliant foreclosures practices
• Proficient in procedure process and requirements development. Ability to communicate with technology team and other business units; analysis and modeling, and adept at learning new environments

Confidential

Business Analyst

Responsibilities:

• Analyze commercial and mortgage loan data and documents from origination to post closing and from failed banks seized by the Confidential Corporation ( Confidential )
• Review the past and present loan performance, and develop credit risk synopsis of future performance on commercial and mortgage loan portfolios from failed banks controlled by the Confidential
• Knowledge and understanding of the commercial lending process, loan pro forma analysis, the develop a summary of current status and clarification of commercial loans
• Used advance Microsoft Excel and Access skills for extrapolating data for reporting to the Confidential

Confidential

Senior Underwriter - Contractor - Charlotte, NC

Responsibilities:

• Analyzed the finances, credit, collateral and property valuations for applicants of mortgages and lines of credit
• Verify and source all reserves, assets, collateral and income from borrower
• Analyze loans transactions to identify, potentiel suspicions activity, KYC, US Patriot Act, and Fraud
• Wrote detailed narratives outlining dispositions of investigations and drafted SARs
• Supervise and review work of assigned processors and subordinates

Confidential

Senior Mortgage Underwriter Charlotte, NC

Responsibilities:

• Analyzed the finances, credit, collateral and property valuations for applicants of mortgages and lines of credit
• Review balance sheets, operating income statements and tax returns, and loan documentation to confirm borrowers’ assets and liabilities for the self- employed, corporations, and partnerships and borrowers with traditional non-traditional income streams
• Verify and source all reserves, assets, collateral and income from borrower
• Analyze loans for fraud, Performed OFAC/Sanctions and screening KYC due diligence where needed, develop a suspicious activity report when needed
• Supervise and review work of assigned processors and subordinates

Business Analyst-Mortgage

Confidential - Dallas, TX

Responsibilities:

• Worked on the development of a process to out- source loan underwriting and processing from Confidential Mortgage to Confidential Consulting
• Map processes and create functional requirements, identify data sources and interview SMEs, and facilitate meetings, and manage testing for the purpose of developing out source for loan underwriting and processing for Confidential Mortgage
• Experience in Project Management Methodology and Change Management process, including high quality phase tollgates, deliverable creation and overall project management

Confidential, Charlotte, NC

Business Analyst

Responsibilities:

• As a Business Technology liaison demonstrated ability to communicate with technology and various business units to perform System Testing to evaluate and/or validate software functionality in relation to expected or functionality as well as track project milestones and complying with internal manual application testing of mortgage loan products, and loan underwriting platform
• Ability to analyze and simplify complex issues, excellent understanding of financial technology and banking operations, effective written and verbal communication skills
• Initiates and maintains relationships with project stakeholders including team members, peers, managers, vendors, and other affected departments to coordinate efforts across multiple business units and ensure continuous efficient management of projects; gathers input and feedback.
• Analyzed and reported project status and research information; monitors project performance to maintain the quality deliverables, and content
• Financial Industry Regulatory Authority, AML, KYC, OFAC BSA, s 2014
• T-SQL - CPCC, Charlotte, NC 2013
• Business Management and Communications- Confidential University, Mequon WI