(555) 432-1000,
Montgomery Street, San Francisco, CA 94105
Driven AML Investigator trained in all aspects of financial investigation to prevent money-laundering and identity theft activities and losses. Led, train and mentor team of junior AML Investigators. On boarded initial case reviews, existing 3 yrs. KYC, and high risk jurisdiction and business accounts. Made risk determiClaires base on sanctioned alerts extracted from OFAC, Canadian, and InterClaireal list screening. Emphasize cost-effective process improvement and organizational efficiency. Comprehensive background extends over ten years and encompasses both the private and public sectors.
  • Research proficiency
  • Excellent communication & writing skills
  • Compliance strength

  •  Advanced computer proficiency (both PC and Mac)
  •  Self-motivated professional
  • Superior time management
York College , NY Expected in 2008 Bachelor of Science : Accounting - GPA : Accounting Finance, Economics and Business Administration
Bethlehem Teachers College , WI Expected in 1999 Associate of Arts : Business Administration - GPA : Top 3% of class
  • Created strategies to develop and expand on SAR dispositions, resulting in a 100% increase in quality.
  • Assisted in the completion of the 2012 Transaction Lookback project (mandated by the OCC).
  • Critical to the completion of the Bank's Enhanced Due Diligence Project for highly rated customers.
  • Contributed to the creation of a Customer Identification Program.
  • Drafted documents and presented case studies for internal meetings.
Hilltop Holdings - AML Compliance Investigator
Birmingham, AL, 03/2015 - Present
  • Interpret AML policies and procedures applicable to cases and make risk based decisions on whether to clear or proceed to draft SARs.
  • Perform AML analysis on escalated parties transacting in correspondent banking account activity, produce written dispositions, and ensure rationale and findings are supported by adequate documentation; complete two cases a day on average.
  • Serve as a point of escalation and AML Subject Matter Expert for analysts to evaluate and resolve issues around quality and content of alerts.
  • Review the work of analysts to ensure alerts meet quality standards and data was accurately collected and documented, including alert, investigation, or Suspicious Activity Report history, Know Your Customer (KYC) information; relevant account and transaction data; and any other required information.
  • Function as key contributor to Team Lead and Operations Manager and demonstrate knowledge of AML issues as well as broader functional knowledge across the Lookback team.
  • Provide metrics to management; reporting on the quality of reports, identify and attend training sessions, and implement management policies and operating practices.
  • Participate in the development of production and quality goals as well as ensure the team executes/meets/exceeds them within their channel or department.
- Bank Operations Centralized Support Representative
, , 02/2010 - 08/2012
  • Support the day to day functions as it relates to the Bank Operations.
  • Responsible for processing financial transactions as they pertain to Bank Operations.
  • Educate commercial customers on the benefits of online banking.
  • Train other employees in the area as necessary.
- Return Deposited Item Clerk
, , 01/2005 - 02/2010
  • Analyze information to determine the depositing account and advise the Bank offices and correspondent banks of the notification via input through a CRT Broadcast system.
  • Account for all incoming cash letters and prepare the items for capture into the system.
  • Prepare general ledger tickets for Certified checks in various departments.
  • Track and report accounts receivables and accounts payable.
NA - BSA /AML Investigator
City, STATE, 01/2001 - 02/2015
  • Prepare final case dispositions to be used to draft and file SARs in accordance with FINCEN guidelines.
  • Review customer activity and alerts to ensure compliance with BSA/AML regulations.
  • Review unusual transaction activity conducted by external parties and/or Bank employees using Bank's AML software and AML reports.
  • Conduct full investigation on alerted customer activity via Actimize and BAM+ AML monitoring systems to determine whether to close out or escalate for SAR review.
  • Collect and examine financial statements, documents, and reports to assist in identifying unusual transaction patterns using Bank's electronic systems and the Internet.
  • Conduct Enhanced Due Diligence monitoring and create profiles for high risk customers.
  • Conduct other AML investigations; including Grand Jury Subpoena, IRS Summons, Negative New hits and 314(a).
  • Review Know Your Customer (KYC) files and research customers and third parties to verify customer information.
  • Assist with the development and revision of policies and procedures.
  • Kept abreast with changes in the laws and regulations by attending various training sessions; actively set up AML webinars for team to meet annual training goals.
- Teller
, , 02/2001 - 01/2005
  • Represent the bank to customers in a courteous and professional manner; provide prompt, efficient and accurate service Accept variety of payments from customers.
  • Facilitate customer awareness of additional service by selling banking products to new and existing customers.
- Large Dollar Item Clerk
, , -
  • Receive checks from the Federal Reserve Bank detailing all checks paid in amounts equal or greater than $5,000.00 Verify that checks are signed, and number of signatures required.
  • Verify that all Large Dollar items are free of fraud.
Professional Affiliations
Association of Certified Anti-Money Laundering Specialists (ACAMS)
York College Alumni

Microsoft Office: Access, Excel, PowerPoint, Outlook, Word, Bank Software: Fidelity’s Horizon, Actimize’s AML Solution, Bankers Toolbox (BAM+)

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School Attended

  • York College
  • Bethlehem Teachers College

Job Titles Held:

  • AML Compliance Investigator
  • Bank Operations Centralized Support Representative
  • Return Deposited Item Clerk
  • BSA /AML Investigator
  • Teller
  • Large Dollar Item Clerk


  • Bachelor of Science
  • Associate of Arts

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