kyc aml compliance officer resume example with 13+ years of experience

(555) 432-1000,
Montgomery Street, San Francisco, CA 94105

Results-focused [Industry] professional with strength in [Skill], [Task] and [Task]. Proactive leader with strengths in communication and collaboration. Proficient in leveraging [Area of expertise] and [Area of expertise] knowledge to promote [Result]. Adept at managing concurrent objectives to promote efficiency and influence positive outcomes.

  • Regulatory Compliance AML, KYC, OFAC, Bank Secrecy Act, USA Patriot Act, FinCEN, OCC
  • Risk Management Credit, PCI, Exposure, Reputation, Merchant Services, TPPP, Reserves
  • Fraud Investigations Identification, Prevention, Root Analysis, Trending, Collusion, Post-Mortem, SAR, Card
  • Customer Due Diligence CIP, KYC, CDD, SDD, EDD, PEP, Ownership, Control, Treasury
  • Commercial Underwriting Financials Analysis, Credit, Exposure, Product, Onboards, Exits
  • Account Management Onboarding, Commercial, Enterprise, Client Relations, Portfolio, Development, Sales, SEO
Education and Training
San Diego State University San Diego, CA Expected in 05/2001 Bachelor of Science : Business Management - GPA :
Sofi - KYC /AML Compliance Officer
San Francisco, Wa, 01/2019 - Current
  • Evaluate client AML and KYC risk for Middle Market Clients and Bankers with annual sales of $20-100MM including the identification of key issues and related mitigants, conducting independent research, verifying appropriate risk profiles, and making independent risk assessment recommendations; liaise with various groups including Banking, Underwriting, Legal, Compliance, Credit, Treasury, OFAC, Screening and Operations as needed to ensure a robust risk analysis and assessment.
  • Partner with Bankers to collect, analyze, and validate all appropriate due diligence and onboarding documentation provided by the client; utilize knowledge of AML/KYC policy to independently identify missing or insufficient client due diligence information.
  • Author and prepare well thought out and concise due diligence commentary that demonstrates a fulsome analysis and assessment of AML/KYC risk and outlines sound recommendations to the client coverage team.
  • Validate all client data and supporting documentation is appropriately recorded and stored on proprietary systems.
  • Research and analyze client findings including PEP Identification, Negative Media and OFAC Violations; partner with Bankers and Compliance to reach resolution and ensure appropriate documentation and recording of outcome and planned remediations.
  • Partnered with Anti-Money Laundering (AML) and Office of Foreign Asset Control (OFAC) teams in meeting regulatory requirements of preventing, detecting, and reporting suspected Money Laundering and Terrorist Financing Activities.
  • Collaborated with Clients, Bankers, Treasury, Credit, Underwriters, Onboarding and Implementations to provide a client focused experience.
  • Nominated Chase Champion for 2019 and consistently Outperformed a team of 14 in the North and Southeast Markets in Production.
Doordash - Credit Risk Analyst Officer
Atco, NJ, 01/2011 - 12/2018
  • Monitored the largest PayPal merchant accounts for Credit Risk and partnered with their PayPal Account Managers to Mitigate determined Exposure through Limitations, Reserves, Product Review, Client Discussions, and Exits.
  • Provide primary support to Merchant Risk Operations team of 35+ Analysts via Quality Assessments (QA/QC), Credit Risk Training and Development while reviewing and approving for high risk review decisions.
  • Conduct full assessment of merchant account risk including PayPal Acceptable Use, Federal, State and Credit Card Regulatory Compliance, CIP, KYC, AML, OFAC, Legal, Fraud and Credit Risks.
  • Interpret and analyze Commercial and Personal Credit Bureau Reports, Bank and Trade References, Financial Statements, Merchant Processing Statements, MATCH, Business History, and Background Investigations.
  • Calculated and implemented Reserve and Collateral requirements based on Credit Exposure as appropriate.
  • Collaborated with internal Compliance, Risk, Credit, Fraud, Legal and Sales teams during onboarding and throughout the life of the relationship.
  • Selected for 6 Month Commercial Underwriting Internship to support the Merchant Risk group with Truncated Underwriting Needs
  • Supported Commercial Underwriting with abbreviated Onboard Underwriting and Periodic Reviews
  • Performed complete commercial underwriting reviews to include financial statement analysis to calculate credit exposure

FRAUD claims analyst

  • Responsible for reviewing buyer’s reports of seller fraud, misrepresentation or non-fulfillment.
  • Position required thorough knowledge and application of PayPal’s Buyer and Seller Protection policies, chargeback liability, internal buyer/seller fraud processes, working knowledge of all supporting tools including eBay sites and resources.
  • Partnered with internal business units including Customer Support, Disputes, Fraud, Merchant Risk, Compliance, Chargebacks, Debit Card, and Account Management to determine appropriate outcomes and actions.
  • Consistently performed in the Top 10 Percentile for the department of 125 employees
  • Awarded Perfect Quality for November 2011 and Top Performer for Q3 2011
  • Promoted to Senior Analyst Nov 2011 – Position entailed conducting quality (QC) reviews, provide training and handle escalations
Bank Of America - Fraud Investigator
City, STATE, 01/2010 - 12/2010
  • Investigated and decisioned internet, point of sale (POS) and ATM fraud claims for debit card holders.
  • Position required in-depth analytics to research internal and external tools to (in)validate claims while identifying buyer fraud, monitoring trends, balance customer churn threats all while minimizing losses to the bank.
  • Promoted to Senior Analyst in July 2010; Managed Claim Appeals and Escalations for 40+ analysts
  • Consistently performed in the Top 10 Percentile for the department of 100 employees.
EBay - Enterprise Account Manager
City, STATE, 09/2006 - 05/2009
  • Partnered with an elite group of eBay’s largest online merchants and managed a portfolio of 100 Gold, Platinum, and Titanium eBay Top Seller Accounts.
  • Primary responsibilities included providing support and site expertise to increase revenue, site exposure, SEO, SEM, and identify growth opportunities both on and off eBay platforms.
  • Required relationship development, profit analysis, technical troubleshooting, process improvement, and market research to achieve retention and growth objectives.
  • Promoted Q4 2008 Team Captain – Lead and Supported 5 Top Seller Account Managers to assist with client growth, sales and development goals.
  • Awarded 2008 Q1, Q2, Q3, Q4, and 2009 Q1 eBay Rising Results Award for Outstanding Team Leadership and Contribution. This recognition is given to those account managers exhibiting eBay core behaviors while consistently exceeding department growth and retention goals.

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Resume Overview

School Attended

  • San Diego State University

Job Titles Held:

  • KYC /AML Compliance Officer
  • Credit Risk Analyst Officer
  • Fraud Investigator
  • Enterprise Account Manager


  • Bachelor of Science

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