SUMMARY:

• 7 years+ (Finance) & 4 years (Banking operations and compliance regulations) including BSA/AML (Title 31), USA PATRIOT Act, FinCEN search, OFAC screenings, Suspicious Activity Reporting as well as Regulations such as E, D, DD, O & W. Familiarization with USA regulatory authorities such as the Federal Reserve System, FDIC, OCC, SEC, FINRA, CFPB, NAIC, etc.
• Soft Skills - Calculative and intense attention to details; self-motivated; personable, ability to work well independently as well as be a very good team player; passion for excellence, intelligent, organizational skills, problem identifier and solver; strong ability to multi-task, timeliness.
• Technical Skills - Excellent oral and written skills, advanced research skills, proficiency in MS Office, Outlook, Excel, Access, Data Analytics and Reporting, Adobe Pro, PowerPoint, SharePoint & Internet explorer. Familiarization with SQL series.

PROFESSIONAL EXPERIENCE:

Confidential

Financial Advisor/Consultant

Responsibilities:

• Educate an average of 6 potential clients on Investment strategies, debt resolution, saving schemes and finance/income protection options daily.
• Conduct financial risk assessments and needs analysis on prospective customers to determine quality of financial need.
• Offer and match clients with diverse financial products such as stocks, bonds, mutual funds, life insurance policies, retirement plans - 401k, IRA, Roth IRA, LIRP as well as Annuities.
• Manage clients’ accounts by way of MySales CRM (Client Relationship Management) Tool.
• Identify and recruit between 2 - 3 qualifying financial agents/business partners in a month.

Confidential

CDD Compliance Analyst

Responsibilities:

• Carried out Customer Due Diligence (CDD) analysis as part of the Legacy team for the Commercial Banking Group (CBG) of the Bank.
• Made use of Appian data input system to log and process the Customer Identification Program (CIP), Know Your Customer (KYC) and Know Your Account (KYA) information for an average of 10 customer types and estimated 30 - 60 customer accounts daily.
• Audited customer accounts processed by bank’s cost center Relationship Managers ensuring adherence to regulations and internal controls. Made appropriate recommendations to resolve identified problems.
• Researched internal systems such as the Shared drive, SharePoint, E-storage, FileNet, to locate required docs as well as external websites such as the Secretary of State to obtain certain legal documents.
• Corresponded regularly with our Cost Centre Relationship Managers by sending out an average of 15 emails and placing about 5 phone calls daily requesting missing items such as KYC/KYA information, customer’s Formation documents, Organizational charts, Major Sanctioned Countries Questionnaire (MSCQ), etc. as the case may be.
• Reviewed a bulk number of legal docs with a range of 30- 60 or more for diverse business types including Sole Proprietorships, Major Corporations, Nonprofit corporations, Limited Partnerships, Limited Liability companies, Joint ventures, Public agencies and Trust, non-US entities etc. to ensure compliance.
• Reported status of CDD review on Excel master spreadsheet pending on if initiated, pending certification, review completed or account closed. Regularly attained goal of 15-30 completed accounts.

Confidential (Contractor)

AML /BSA Analyst

Responsibilities:

• Ensured compliance with Regional Banking Group’s BSA/AML policies and procedures through collaboration with the Corporate BSA office and other business functional areas to foster agreeable and standardized operations.
• Reviewed High Risk Customer Types in Norkom Iris. Responded to 20 alerts per day, confirmed alert type and investigated cause of alert.
• Evaluated and uploaded documents, underwent Quality Assurance process. Completed Quality Analysis template for an average of 8 customers.
• Examined High Risk Business Site Survey for accuracy and completion. Researched customer by verifying business type and business status via sites such as Lexis Nexis (for derogatory information, Pacer (for Court cases), Vigilance for PEP status, Google maps and negative news searches. Other systems used for advanced searches include Bridger, FDIC, FinCEN, Guidestar, FTC, Secretary of State, FINRA, SEC.
• Completed revision, compiled data, made recommendations for retaining customer or not. Uploaded file in Iris for further audit purposes.
• Prepared customer closure letters for accounts determined to be high risk; running such accounts by Compliance Manager for review and approval prior to mailing letter via certified mail.

Confidential, Salt Lake City

AML/BSA Regulation

Responsibilities:

• Appraised and submitted an average of 10 accounts per day pending on situation. Progressed with work remarkably overtime with very minimal errors as ascertained by approvers who constantly reviewed work done.
• Regularly checked, refreshed and assigned significant deals to self and had deals worked in timely manner and with much precision. Generally managed own queue ensuring SLA (Service Level Agreement) was consistently met.
• Conducted CIP, CDD & EDD evaluations on customer and customer accounts which involved validating customer and the purpose of the business by way of researching and gathering information from internal sources as well as public records.
• Escalated deals or customers that were considered high risk or very high risk to WFCRC (Wholesale Financial Crimes Risk and Compliance).
• Constantly had to collaborate with members of other teams most especially with Line of Business (LOB) to obtain pertinent data that may be required to effectively process customer accounts.
• Conducted FinCEN (Financial Crimes Enforcement Network) searches on potential MSB (Money Service Businesses) as well as performed manual OFAC (Office of Foreign Asset Control) screenings for sanctioned persons or entities, on same day deal closes.

Confidential, Salt Lake City

Analyst

Responsibilities:

• Specialized in the review of (AML/KYC) documentation and the approval of new relationships for the U.S. business lines for 15-20 customer accounts. Performed Due diligence with precision.
• Received request for client due diligence from the request manager tool, processed and managed relevant documents through document manager and document explorer and processed the Customer Identification Program(CIP) assessment by use of CIP investigative tool (CIPIT).
• Constantly had to prioritize, meet deadlines and communicate to all levels of the organization, such as the Sales, Legal and Compliance teams.

Confidential, Taylorsville, Utah

Quality Control -BDC, BCC, WEB, WEC and SOX Auditing

Responsibilities:

• Underwent ongoing surveillance of client implemented accounts, checking for missing cardholders; accurate company name set up; precise credit limit input; expedited card mailing service request etc. Made use of excel spreadsheet to monitor customer account and record QC reports and therefore accounts affected by errors, issued error tickets.
• Made use of remedy customer support to process client 40-80 account per day including new card and new facility types.
• SOX auditing - Audited customer accounts by comparing information provided in Credit Application Request (CAR) with information logged into First Data Resolve (FDR) and Core Banking System (CBS) by credit card operations team member.

Confidential, Taylorsville, Utah

Customer Relations, Fraud Investigations and Risk Management

Responsibilities:

• Account activation/management: Provided service to customers who had diverse issues such as being locked out of their account, password reset, out of band authentication, balance and recent transaction enquiry, high yield savings account closure, demographic updates etc.
• Managed Investigative tools such as Lexis Nexis Bridger Insight and Lexis Nexis Risk Management with the goal to reduce risk to banking operations thereby protecting company assets and reputation.
• Detected and disproved any form of criminal activity by matching clients with high profile persons of interest like political, top business personnel, terrorists, and persons with criminal activities, globally.
• Screened an average of 350 customers per 8-hour work period.