Enthusiastic, hard-working, risk management professional with 16 years of experience in the banking industry. Experienced in BSA/AML Governance & Operations, and fraud prevention. Accomplishments in areas of risk assessments, policy and procedure development, and monitoring strategies. Operational experience in AML Investigations and EDD reviews. Technologically savvy with experience in systems testing and implementation, and contributions to systems project management. Certified as a Certified Anti-Money Laundering Specialist, with extensive working knowledge of BSA/AML regulations, and financial products.
Working knowledge of various compliance regulations, including but not limited to: BSA, OFAC, FCPA, and UIGEA
Experience using MS Office applications such as Access, Excel, Visio, and PowerPoint
Experience using external AML tools, such as: LexisNexis, PACER, World Check, and Actimize
Excellent verbal and written communication
Compliance Consultant01/2015 to 12/2016 International Group GFI ComplianceSan Francisco, CA
Identify emerging risks/trends through synthesis of data and other key metrics.
Conduct portfolio risk assessment on international customers for exposure to terrorist financing and financial crimes.
Gathering of global intelligence to assist with risk identification and mitigation of identified issues.
Extract large data sets using SQL.
Analysis and manipulation of large data sets for flow analysis.
Create pivot tables and business intelligence dashboards for visual analysis of risk identification and trending of customer portfolio.
Intelligence expert for the Asia Region, reporting on emerging issues.
Escalation of material findings that present a risk to portfolio.
Subject matter expert for other team members.
Compliance Coordinator III, Assistant Vice President10/2007 to 12/2014 Union Bank-BSA Program OfficeSan Francisco, CA
Conducts bankwide product and client type risk assessments to determine BSA risk exposure and assess the adequacy of mitigating controls.
Authored and edited bankwide product and client type BSA/AML policies in response to regulatory guidance.
Management of bank BSA/AML policies, including communication to stakeholders as well as provide training when needed.
Subject matter expert to bank lines of business on BSA/AML Program and policies.
Conducts in-depth EDD reviews on the bank's high risk clients, including but not limited to MSBs, TPPPs, gambling related entities, and politically exposed persons.
Perform transactions sampling and analysis of high risk clients to determine reasonableness of transactions.
Creates and updates business rule parameters for the bank's transaction monitoring program to keep abreast with current money laundering trends.
Analysis and manipulation of datasets using tools such as SAS or Excel, for refinement of AML monitoring.
Responsible for creation of new risk factors and enhancement of present risk factors for the bank's automated AML risk rating model.
Subject matter expert for the bank's automated AML monitoring strategy and risk rating model.
Provides analytical support surrounding BSA monitoring strategies, including business rule optimization standards.
Completes quarterly money laundering risk appetite charts for the bank's oversight committee.
Provides project and UAT support for implementation of bank systems related to money laundering monitoring and case management.
Provides BSA Program Office project support in the areas of OCC examination preparation.
Conducted annual and biennial reviews on Currency Transaction Report (CTR) Exempted clients.
Participated in the successful transition of the CTR Exemption process to the CTR Unit.
Provided training support for CTR Unit and other FIU personnel in the areas of CTR Exemption analysis.
Fraud Specialist Work Director12/2000 to 09/2007 Wells Fargo BankSan Francisco, CA
Utilized multiple internal and external systems of record and investigative tools to analyze, research, and investigate enterprise-wide Identity Theft and check fraud claims.
Utilized Microsoft Access for case analysis to create risk models and identify possible fraud rings.
Completed, compiled, and managed weekly summary reporting utilizing Access for senior management.
Initiated and managed various projects, including cost benefit analysis, systems evaluations, business proposal development, and UAT, including visiting vendors and other business lines.
Conducted and evaluated victim interviews.
Acted as single point of contact for Identity Theft victims, assisting with internal and external claims issues.
Interacted as liaison between multiple business lines and victims, to initiate and resolve fraud claims.
Trained new staff members including new recruitments in Deposit Operations Service Center.
Created and maintained login ID's for various investigative systems and act as an administrator.
Developed training materials and procedures for ITO and Forged Check Control.
Assisted in daily volume of work in the Forged Check Control department.
Duties ranged from check review, making decisions to pay or return checks using various online systems and calling customers to verify issuance of checks.
Assisted in the Lost/Stolen function of Forged Check Control by contacting customers for check verification due to fraud activity on an account.
Ensured workload has been distributed and is being completed in an efficient manner to meet established deadlines and staff's daily production goals.
Resolved escalated customer issues related to outcomes of check fraud issues.
Education and Training
B.S: Security Risk AnalysisPenn State UniversityUniversity Park, PASecurity Risk Analysis
business intelligence, case management, charts, communication skills, client, clients, senior management, financing, financial, Access, Microsoft Access, Excel, money, Office, MS Office applications, PowerPoint, enterprise, optimization, personnel, pivot tables, policies, proposal development, reporting, research, risk assessment, SAS, Spanish, SQL, strategy, training materials, type, Visio, written, written communication