Jessica Claire
Montgomery Street, San Francisco, CA 94105 609 Johnson Ave., 49204, Tulsa, OK
Home: (555) 432-1000 - Cell: - - -
Professional Summary
Dedicated, versatile, experienced Anti-Money Laundering (AML) Regulatory Compliance Professional with comprehensive experience working for both private and public sector organizations. Expertise in Anti-Money Laundering/USA Patriot Act rules and regulations, compliance program development and business as usual operations. Proven abilities in risk assessment, Compliance processes policies, procedures, development and implementation. Skilled at detecting and delivering a thorough analysis of out of the norm transactions designed to evade regulatory standards and/or to cause financial loss to an institution through deposits, check kiting, and ACH/or fraud. Strong aptitude for working with senior and staff management with recommendations to assure regulatory compliance while consistently driving quality analysis assessing client to support business goals. 

  • Expert in financial analysis, corporate structures, and types ownership.
  • Fraud detection and prevention
  • Process improvement
  • Advanced financial investigation analysis
  • Cash flow analysis
  • Financial reporting and analysis
  • Excellent attention to detail
  • Strong organization
  • Flexible team player
  • Excellent communication skills
  • Member of Certified Anti-Money Laundering/Terrorist Financing Specialists Association
  • Member of Certified Fraud Examiners Association 
Work History
2014 to 01/2014
AML/KYC Compliance Consultant First Merchants Corporation Crown Point, IN,
• Responsible for KYC Due Diligence to review and remediate KYC profiles within the Asset Management business line for high quality delivery of conducting KYC research and on boarding in line with all Compliance processes, policies, procedures and protocols including but not limited to, KYC Remediation of existing customer including data collection, on-boarding to the KYC Application and creation of KYC files in logical order fit for sign off. • Identifying missing information and working with Relationship Managers to obtain the information to complete the KYC profile. Dealing with the Customer Identification Program (CIP), Customer Due Diligence(CDD), and Enhanced Due Diligence (EDD) and review existing accounts documentation• Applying and utilizing various applications to establish the appropriate treatment of Material Non-Public Information in satisfaction of the Personal Account Dealing Policy. • Research clients and collect information to evidence clients’ profile; financial info/source of funds; ownership structure, key account parties, geographic footprint, negative news, PEPs and other relevant information adhering to policy and procedures• Maintain progress statistics on work. Meeting production target volumes and dates as advised. • Apply knowledge of the KYC, BSA, & AML regulations. • Research utilizing internet research and third-party vendor research tools (Lexis Nexis, World Check, etc.)
11/2005 to 06/2013
BSA/AML Analyst HarborOne Bank City, STATE,
• Responsible for administrating all aspects of the Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering, OFAC, Customer Due Diligence (CDD) and Customer Identification Programs (CIP). • BSA/AML Analyst is also responsible for investigating and analyzing account transaction data activity daily utilizing various applications to establish normal customer and business customer’s behaviors for potential money laundering schemes, high risk transactions include (New Accounts, Check Kiting, Inactive Accounts, and Money Laundering Alerts) using sophisticated AML/Fraud, ACH, Deposits, and Check Fraud recognition software. • Report CTR’s (Cash Transaction Reports) and create and file STR’s (Suspicious Transaction Reports) to the IRS. • Evaluate and risk rate new business customers.• Review and combine branch cash transactions logs from $3,000-$10,000. • Identify customers with multiple transactions totaling more than $10,000 over a time period. • Conduct the 90 day review of all STR's filed. • Research and resolve internal and external customer problems in a professional, accurate and timely manner. Perform monthly, quarterly quality control functions on department processes. • Complete appropriate audit form, identify exceptions and report to manager for resolution. • Maintain good understanding of all other Operation department processes and provide assistance following policies and procedures.
Fraud & Recovery Specialist/Reconciliation & Settlement Specialist HarborOne Bank City, STATE,
• Review documentation and log fraud and check collection cases. Maintain log for known scam/fraud schemes reported. • Send and receive videotapes for all HarborOne security systems as needed. • Provide back up support for security alarm and access system changes. • Assist with ATM cash reconciliation between settlement and vendor reporting. • Assist with IVR reporting and rate changes and provide back up support as needed. • Assist with Money Order sales reporting and reconciliation
03/2005 to 09/2005
Audit/Security Representative HarborOne Bank City, STATE,
• Responsible for FNMA quality control process. Identify exceptions to Desktop Underwriting requirements.  • Review mortgage legal documentation and identify exceptions to federal and state documentation regulations.   • Conduct loan documentation audits for compliance. • Analyze kiting report daily. • Monitor activity in dormant or inactive accounts. • Perform monthly reconciliation of the fraud account. • Review new fraud and check collection case documentation and log in database, maintain case documentation for each file.  • Process a STR Analysis on each new case.
07/2002 to 03/2005
Mortgage Financial Closer HarborOne Bank City, STATE,
• Responsible for Funding various residential loan applications, such as Fannie Mae, MHFA, fixed, adjustable, biweekly, construction and lead paint loans. • Maintain and understanding of all mortgage products and there specifications. • Prepare and disburse all funding for closings scheduled that day.  • Prepare appropriate rate lock, appraisal fee, inspection fees, and etc. refunds.  • Transfer mortgage application from origination system to COCC uploads.  • Set up payment and update system for mortgage, such as tax, PMI and adjustable information.  • Attach trailers, biweekly, monthly, construction loans and updating construction loan    database. • Verifying that all information (name, address, first payment, maturity date, etc.) has transferred accurately, using a master file, this is obtained from Marco Fiche. • Coordinate closings with the banks conveyance attorney’s; assemble loan file after receipt of closed loan is obtained from the conveyance attorney.  • Ensuring that all loans are closed within the required time frame and that all rates and terms are accurate and all closing figures match the records in our system.  • Process all received checks to general ledger accounts, such as prepaid interest, tax escrow,     points, flood insurance, tax service, PMI, flood determination, DU underwriting and doc prep fees.   • Generate report for general ledger department for each closed loan.  • Conduct any further research to provide answers and solve any problems. • Also functions as back up to Equity Closer and Residential Mortgage Closer.• Attend Seminars regarding relevant processing and closing topics.
11/2001 to 07/2002
NOW Processor HarborOne Bank City, STATE,
• Responsible for daily Return Check processing and reconcilement of the same• In addition, responsible for reconcilement of proof of deposit, business checking, branch settlement, monthly audits, and negative balance closeouts.  • Research and resolve customer problems in a timely manner. 
Expected in Current
CAMS-awaiting certification- (in-process) : Anti-Money Laundering/Terrorist Financing
ACAMS- Association of Certified Anti-Money Laundering Specialist - ,

Expected in Current
CFE-awaiting certification- (in-process) : Fraud Examiner
ACFE- Association of Certified Fraud Examiners - ,

Expected in 1989
High School Diploma:
Bridgewater-Raynham Regional High School - Bridgewater, MA
  • Member,  ACAMS- Association of Certified Anti-Money Laundering Specialists, 2013- present
  • Member, ACFE- Association of Certified Fraud Examiners, 2014-present

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Resume Overview

School Attended

  • ACAMS- Association of Certified Anti-Money Laundering Specialist
  • ACFE- Association of Certified Fraud Examiners
  • Bridgewater-Raynham Regional High School

Job Titles Held:

  • AML/KYC Compliance Consultant
  • BSA/AML Analyst
  • Fraud & Recovery Specialist/Reconciliation & Settlement Specialist
  • Audit/Security Representative
  • Mortgage Financial Closer
  • NOW Processor


  • CAMS-awaiting certification- (in-process)
  • CFE-awaiting certification- (in-process)
  • High School Diploma

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