SUMMARY:

• Over 15 years’ experience in analyzing financial data, anti - money laundering (AML), project management, terrorist and fraud detection, information to build financial/other investigations, and experience in the audit industry.
• Knowledge and experience in the financial and intelligence community, related markets, and related regulatory bodies; in addition to the usage of systematic tools to screen, detect, dismantle criminal activity. Responsible for Manipulating and analyzing over 250,000 case files manually and automated in a case management system seizing over $65 million in assets.
• Effectively lead small teams (i.e., 6-10 staff associates) and managed resources to ensure performance measures and metrics are established and met throughout the execution of the planned audit work, effectively managed a small group of intelligence analyst for projects for government contracting. Experience in identifying controls that were not effective to mitigate risk posed by the line of business and providing recommendations.
• Mastery-level professional knowledge of financial laws and government regulations including know your customer (KYC), customer transaction report (CTR), suspicious activity reports (SAR), Customer due diligence (CDD) and enhanced due diligence(EDD). Maintained an in-depth knowledge of bank compliance and statute. Ability to author investigative reports. Ability to author high impact audit reports through evaluations of firms’ line of businesses (LOB) practices and procedures in addition to reviewing the risk assessment of auditable units (i.e, likelihood an event will happen). Understanding of continuous monitoring activities which may impact audit risk profiles and nature, timing, and extent of audit testing.

TECHNICAL SKILLS:

BUSINESS SUPPORT SYSTEMS: Office Suite: (MS) Word, Excel, Access, PowerPoint; Share Point, DataSafe; Navigator; Lending Navigator; Teller Navigator; i2 Fraud Intelligence Analysis System; Actimize; Actionable Intelligence Technologies System (AIT); Lexis Nexis; OFed Name Screening Tracking System; World Check ; Financial Investigations System (FIS); Financial Management System (FMS); Consolidated Asset Tracking System (CATS); NADA; World Check; OFAC; Mantas; Choice Point; Autotrack; CBC (credit report); NADA, FINCEN; CLEAR; Accurint; Lexis-Nexis (Investigative Portal and Advanced); PACER, CourtLink; West Law; ACL; Oracle; West Law Next; Lotus Notes; CAView; MainFrame; and other supporting financial databases.

WORK EXPERIENCE:

Confidential, Birmingham, AL

Project Manager

Responsibilities:

• Takes ownership by leading efforts to scope targeted, base, and validation (i.e, regulatory) audits by focusing on developing testing plans (i.e, develop project timeline), kick off objectives, ability to resolve and validate Matters Requiring Attention (MRA) and Matters Requiring Immediate Attention (MRIA) for regulatory validation audits to validate Items Requiring Management Attention (IRMAs) for regulatory review issues. Performs departmental audits to include operational, risk management, compliance, and BSA compliance audits as assigned (i.e., Governance, Transaction Risk Management Operations, BSA/AML/OFAC Customer Information Program and etc.)
• Drafts, edits, audit issues and reviews audit issues developed by junior staff (i.e, auditor I/II), ensures all audit issues are developed accurately and objectively reflecting the audit work performed. Develops verbal and non-verbal recommendations based on evaluations, if any. Raises possible risk not previously identified. Ensures senior management is informed of potential issues identified by using root cause analysis techniques.
• Develop initial audit program to meet the audit engagement objectives, plans the nature, timing, and extent of engagement procedures, develops project timeline to ensure alignment with internal audit annual plan, reviews work performed by audit team for more complex audits to ensure documentation is in accordance with the internal audit methodology, coach internal audit staff throughout the audit engagement to ensure the audit objectives are met, ensures that all audit issues are developed accurately and objectively and reflect the audit work performed, discuss audit findings and their impacts professionally and confidently with various levels of the organization as directed by audit management timely and consistently follows up with management to ensure that management actions have been effectively implemented to remediate audit issues, identifies process improvements for the business based on understanding and analysis of process flows/operations, manages the team conducting audit engagements to ensure that objectives are met consistent within budgets and deadlines.
• Conducts administration tasks; reviews budgeted hours for audits/milestones, finalizes Risk Control Matrix (RCM) completes Risk Profile Document, validates management attestations from the line of business and etc. Performs audit engagements by leading, scheduling, conducting interactions independently with the line of business management and auditees (e.g. Process Control Overviews, fieldwork; substantive testing, test of design, test of effectiveness, testing outcomes and etc.) Utilizes automated analysis toolsets and performs data retrieval to support audit activities and synthesizes key information from various sources to support audit results. Follows up with management for remediation actions and continuous monitoring objectives. (i.e., remediation corrective dates/activities and emerging risk). Review documentation for compliance with department requirements and ensures any deficiencies are corrected.
• Obtains, analyzes, and appraises evidentiary data as a base for an informed, objective opinion on the adequacy and effectiveness of the process/system and the efficiency of performance of the activities being reviewed. Validates testing approaches are practical, sufficient, and effective, and staff auditors review audit methodology to determine adequate sampling approaches and etc.
• Keep abreast of accounting, legal and regulatory issues relating to a variety of informationtechnology, industry, financial, communication, human resources and other areas associated withcompany functions. Participates in conference to keep adhere to industry trends (i.e., International Internal Audit (IIA) meetings, Certified Fraud Examiner (CFE) monthly meetings, CEB Audit Leadership Council, and Association of certified laundering specialists (ACAMs) seminar and chapter meetings) Continues to stay up to date with audit methodology. Attends Business Committee meetings for informational purposes only.
• Coaching and development approaches include; mentors’ other associates with audit in on the use of various business systems, applications, and/or audit tools to create queries and ad hoc reports (i.e., MainFrame, Enhanced Due Diligence system (CRM), World Check, BAE Detica, RIMS database and etc.). Monitors staff auditors to ensure they understand report objectives, audit steps and etc. Reviews and provides feedback on reports of other staff auditors.

Confidential, Dallas, TX

Lead Financial Litigation Agent

Responsibilities:

• Provides advice and guidance to fully develop the forfeiture aspects of an on-going investigation for criminal and civil defendants. (using specific tools, databases, and techniques utilized to analyze financial information, (i.e., CLEAR, PACER)
• Analyze, evaluates, and investigate financial records and data obtained through subpoenas to determine hidden assets and false statements that are used to hide illicit assets from investigators and to make the assets appear to be legitimate. (Documentation may include: bank statements; deposits; and debit transactions, including checks, letters of credit, Currency Transaction Reports (CTR), loan applications, credit reports, and related records)
• Timely and consistently followed up with management to ensure that management actions have been effectively implemented to remediate issues, developed project timelines to ensure alignment with annual plan, created an inspiring team environment with an open communication culture by setting clear team goals and deadlines, delegated tasks, oversaw day-to-day operation, monitored team performance and reported, created metric reports, motivated team members, discovered needs and provided coaching, listened to team members’ feedback and resolve any issues and/or conflicts, recognized high performance and rewarded s, encouraged creativity and risk-taking, Suggested and organized team building activities.
• Provides analyses of monetary funds, property, and liens to be forfeited. (Evaluates whether the property is worth sezuring.) Researches, analyzes, and validates information from various investigative and business-related automated systems including; Choice Point, Autotrack, CBC, NADA, FINCEN, CLEAR, Accurint, ISYS, Lexis-Nexis, PACER, CourtLink, i2, West Law, Used Price.com, and other Internet capabilities (e.g., law enforcement databases to provide forfeiture specific case support to the Government in civil and criminal forfeiture matters)
• Organizes and conducts detailed examinations (interviews with defendants /debtors) of information generated during complex criminal/civil investigations as well as alternative sources for the purpose of conducting financial analyses of personal/business assets of targeted organizations/individuals. Reviews team members’ examination files and Documentation for Supporting Documentation of case File. (reviewed estimated of 32,000 cases per year)
• Develops metrics, reports, and monitoring & oversight for case management systems and processes.
• Assists attorneys during Government-conducted interviews and courtroom proceedings regarding the ownership and source of targeted property and assets of ongoing case investigations and financial analysis. Gathered information such as financial documentation physical documentation and a valid documentation to support the case file. (i.e., financial statements, bank statements, mortgage payoffs, loans, or line of credits, and etc.)
• Assists in determining the amount to seek for forfeiture, identifies and trace assets during the course of investigations, assists the government in perfecting its interest in the property.
• Identifies high profile criminals and entities related to suspicious activity concerning the case files. Maintains electronic and manually case documentation and database files of financial investigative research to trace the life of the case file.
• Assisted management in reviewing associates case files for supporting documentation and correct evaluation of the case file. f interest hidden assets, properties, monetary funds, history, and other related information needed for investigative cases. Examples of research and analysis activities include: analyzing and documenting the ownership interests of targeted properties; analyzing financial records, evaluating financial records to document the source of targeted property; documenting and cataloguing evidence on the source and ownership of targeted property; and identifying, analyzing, and documenting potential substitute assets.
• Prepares, modifies, and generates documentation to send to internal and external parties of interest. (i.e., defendants, attorney, probation officers, and other law enforcement agencies)

Confidential, Irving, TX

Assistant Vice President (AML Department)

Responsibilities:

• Conducted, created, reported, and maintained case investigations on transactional activities to detect any suspicion of money-laundering/terrorist financing activity. Conducted enhanced due diligence on investigations following AML/BSA regulation.
• Reviewed escalated processed on-boarding for Senior Public figures and validates client’s CIP information, in addition to evaluating level of risk to firm. (i.e., Decreases regulatory and reputational risk by exercising sound judgment and decision making.)
• Cross-trained in other functions to support Financials Investigation Unit (FIU). (i.e., name screening and transaction monitoring)
• Conducted, searched, and gathered data to record evidence from internal systems, the internet, commercial databases (i.e., Lexis Nexis, Mantas and other supporting databases).
• Created and maintained periodic management reports used by BSA management (i.e., BSA/AML metrics) that was presented to senior management and to the Board of Directors.
• Oversaw organization to ensure laws, regulations, and internal policies were met, reviewed and verified accuracy of all compliance documentation, informed all levels of organization about current and future trends in compliance, kept all policies up to date with current legislation and federal regulation.
• Served as Team Lead by reviewing intermediate analyst escalations and resolves any inconsistencies by providing guidance and advise to AML analyst. (i.e., clients that are high risk to the financial institution)
• Analyzed and interpret large data sets to undertake predictive analysis based on historical and current data to produce

  fraud trending reports and other financial wrongdoing issues that create a risk to the company, its employees, shareholders, assets and clients. Assisted AML CCO/CCCO officers in the design and administration of the firm's AML program, including monitoring and reporting in compliance with OFAC guidelines, the USA PATRIOT Act, Bank Secrecy Act (BSA) and relatedregulations. Conducted BSA/AML risk reports for department.

• Monitored alerts generated on customer transactions, such as those from automated systems. Reviewed case management and STR systems, including an evaluation of the research and referral of unusual transactions, and a review of policies, procedures, and processes for referring unusual or suspicious activity from all business lines to the personnel responsible for investigating unusual activity.
• Use quality control practices to evaluate associates caseload to determine whether supporting documentation was accurate five reviewing evidence. Used a checklist to be consistent with audit practices. Review the risk rating customers whether high medium low evaluate the customer type products and services and geographical location to determine the risk assessment was accurate.
• Performed due diligence for KYC attributes on each client, reviews the information to onboard the account, and screened for negative media and/or adverse media using internet searches, and various tools/databases.
• Identified potential high profile AML issues and flag for escalations and assignments in respective case management tools. Have worked monitored reports, referred packages to appropriate team members for investigative review of accounts.
• Prepared monthly reports of all Financial Investigation Unit’s (FIU) case work.
• Served as a Subject Matter Expert (SME) committee member for AML, BSA, and KYC escalations. Ensured department expectations were met according to the standard and procedures for the FIU program. (i.e., aligned with AML/BSA compliance)
• Assisted in the collection andproduction of responsive documents during the course of regulatory examinations and internal audits.
• Assisted in developing and delivering ongoing and performing reviews of complex relationships.
• Researched and screened clients’ accounts for illicit financial transactions. Evaluating the overall process of money laundering through financial institutions (i.e. money laundering cycle: placement, layering, and integration.)
• Reviewed financial documents such as financial statements: deposit and credit transactions, checks, letters of credits, CTR’s, SAR’s, loan applications, and other related financial documents to support case files for detection of fraudulent activity.
• Worked with other AML analyst internationally with in firm’s sectors to share information and analysis related to financial investigations on clients and entities. (i.e., no-objections, derogatory news, fraudulent activity) (i.e., meeting and conferences)

Confidential

Financial Investigative Analyst

Responsibilities:

• Provided intelligence, pre-seizure financial and analytics investigations identifying/detecting illicit criminal financial activities associated with money laundering and terrorist activity. Utilized complex databases and financial spreadsheets to unearth discrepancies that hint at illegal activities.
• Cases included inter/national money laundering, diversion, drug trafficking organizations, and terrorist support. Applied information gathering/ordering strategies, analytical techniques, and asset valuation methodologies.
• Analyzed, extracted, and evaluated intelligence using multiple database sources. Access to all-source data materials to support investigation.
• Conducted transaction monitoring and complex research utilizing various database for filing, tracking and locating financial documents. (i.e., i2 Fraud Intelligence Analysis, Actionable Intelligence Technologies (AIT), internet, Financial Investigations System (FIS), Lexis Nexis, Name Screening program, other /law enforcement databases if needed.)
• Performed preliminary research while evaluating raw intelligence data used to factor its authenticity.
• Reviewed/analyzed financial records and other criminal/intelligence data determining flow/source of funds, location of addresses and assets, patterns, trends, nature and volume of transactions, and interplay among accounts, hidden assets, and person(s) of interest. (i.e., layering, integration, smurfing)
• Prepared reports that detail investigation findings. Maximized audit report effectiveness by writing action-oriented high-impact conclusions, presentations, reports, and recommendations for escalation as needed or requested.
• Supported and assisted top management in any other related task to support the departments’ mission. Tasked to train new office employees/analyst by serving as a subject matter expert (SME).
• Conducted complex research utilizing various database for filing, tracking and locating financial documents. Maintained manually files and electronic databases on specific targets of intelligence (i.e. detailed case documentation/database files of financial investigative research to trace criminal activities and investigative interests.) Used database searches to specify report needs. Used multiple entities and entry lines by developing spreadsheets, tracking databases, reports and presentations using excel and other Microsoft Office products.
• Collaborated with Drug Enforcement Administration (DEA) components, Internal Revenue Service (IRS), OFAC, Financial Crimes Enforcement Network (FinCEN), Financial Industry Regulatory Authority (FINRA) and other agencies to support investigative case files.

Confidential, Prince Frederick, MD

AML Compliance Analyst II

Responsibilities:

• Performed AML Investigations utilizing database applications and various peripheral supporting applications, i.e., search engines, proprietary database services (Lexis Nexis and World Check) Responsible for sending and receiving documents, letters, receipts, or reports in paper form for the branch. Responsible for safe keeping of documents with sensitive information on them. Ensured documents were added to the files/database in a timely manner and destroyed outdated documents or transferred them to inactive storage faculties for the Credit Union.
• Assisted in the identification, prevention and detection of potential suspicious and/or unusual activities, transactions and/or customer behavior by performing transaction analysis, investigations, and monitoring account relationships. (i.e., monitored transaction activity and manipulated data sets to find trends and patterns) Sent referral packages to AML compliance and reporting departments. Conducted due diligence reviews of correspondent banking transactions of high risk flagged parties. Conduced or directed the internal investigation of compliance issues. Identified compliance issues that require follow-up or investigation. Identified potential high profile AML issues and flag for escalations and assignments in respective case management tools.
• Regularly conducted interviews/investigations for members to follow Know Your Customer (KYC) Compliance to assess their financial portfolio by assessing member’s risk level in order to determine eligibility for loans, accounts and other services offered by the financial institution based on the customer identification program (CIP). Knowledge and understanding of KYC requirements, regulatory concept of risk based approaches dealing with Politically Exposed Persons (PEPs). Validated negative media, name screening, risk factors to the financial institution, and other BSA/AML components.
• Managed and trouble-shooted office technologies and maintained customer information within a large and complicated database management system. (i.e., Member’s Profile)
• Worked within Anti-Money Laundering group (i.e., BSA Operations, BSA Officer, and direct reports) to identify and investigate suspicious customer transactions; performed enhanced monitoring of accounts for periodic reviews for ongoing due diligence. Processed, researched, reviewed, and submitted SARs to the AML manager on a daily basis while ensuring compliance with federal regulations.Actively worked with Federal agencies to resolve or prosecute suspicious activity including the SEC, IRS, FINRA, OFAC and FinCEN.Daily monitored of accounts andsurveillance reports to identify specific transactions and patterns of transactions which may present increased risk of money laundering activity within the firm, and reporting those activities that are deemed suspicious to the AML Officer. Conducted periodic internal reviews or audits to ensure that compliance procedures are followed.
• Researched accounts andtransactions identified as potential sources of risk to the firm utilizingweb-based research tools and other business sources including validating countries sanctions risk level. Fully documented, maintained and reportedinvestigation findings in case management systems. Performed customer identification duediligence on those accounts with higher risk profiles.

Confidential, Waldorf, Maryland

Financial Representative

Responsibilities:

• Audited Balanced currency in cash drawers at the end of shifts, and calculated daily transactions using computers, calculators, or adding machines. (i.e., ensured the monetary notes aligned with actual draw and ledger)
• Received checks and cash for deposits, verified amounts, and checked for accuracy on deposit slips. Entered customers' transactions into computers to record transactions and issued computer-generated receipts. Inputted loan applications by creating, sending, and explaining compliance disclosures and collecting all required documentation. Ensured applications moved accordingly. Reviewed loan applications before management to ensure documentation was error free, procedure correctly, and the associate was in compliance with the firm’s procedures.
• Drafted and maintained customer’s client profile consisting of know your customer (KYC) information to identify the individuals and entities based on CIP; identification number, DOB, and addresses. Conducted manual audit to ensure CIP information was safe guarded, accurate and complete. Cross-sold bank products and services based on customer needs, in accordance with the bank’s program standards. Facilitated IRA creation, rollovers, transfers, distributions, and account closing. Assist customers in redeeming their savings bonds.
• Researched and resolved customer problems, acting as the customer liaison between other bank departments when necessary. Evaluated customer requests for service charge refunds and processed necessary paperwork to refund customer service charges as necessary. Prepared, edited, and reviewed reports for lost money, Currency Transaction Reports (CTR’s) and Suspicious Activity Reports (SAR’s), fraudulent account and money, and damaged office property.