LaTonya R. Tench

Email: ad49xy@r.postjobfree.com Cell: 412-***-**** Metro Area: Atlanta, GA

PROFESSIONAL SUMMARY

Energetic business professional with an impressive 20+ years track record in analytical reporting, project management, and handling internal communication within the financial industry. Expertise in Anti-Money Laundering (AML), Know Your Customer (KYC) protocols, and fraud investigation, underpinned by a robust understanding of compliance and regulatory frameworks. Recognized for excellent organizational skills, a keen attention to detail, and the ability to thrive in both team-oriented and self-directed environments.

CORE COMPETENCIES

Customer focused I Integrity I Attention to detail I Avid learner I Strong decision-making skills

Flexibility and adaptability I Effective communication I Software Proficiency I Critical Thinker

EDUCATION/SKILLS

Education

Associate's Degree - Administration

Certificate - Medical Coding

Pittsburgh Technical College

Technical Skills

MS Office Suite Products I Data Analysis I Google Suite tools I IE I Laser Pro I ACBS I Shaw I Medici I RELAY I Salesforce I Net View I Knowledge base I LexisNexis I Relius I Encompass I World Check I Compliance and Regulatory knowledge I Enterprise I TSYS I AFS I LMS I SharePoint I Slack I Portal I NNS I ECAMs I Financial analysis I Reg B,E, CC I Quality Control and Assurance I CDD I EDD I Risk Analysis I Business analysis I SAR writing I SaFire I Salesforce

EMPLOYMENT HISTORY

January 2024 –

Aggregation Management Investigator – MBO Partners Atlanta, GA

Perform 55+ case referral validation processes for all remediation populations on a weekly basis.

Confirm detection specialists correctly linked/updated linking factors such as: members, suspects, accounts, suspicious transactions associated to the fraud event.

Conducting investigations of fraud cases, documenting investigative findings, and determining whether the case should be escalated/referred for further review or action.

Perform case reviews which result in declines, closures, or acceptances/routings which ultimately pass cases through the investigations team. Notate any changes/updates to case reviews.

October 2022 – May 2023

Quality Assurance AML Advisor - Vaco, LLC Atlanta, GA

Ensured risks associated with business activities are effectively identified, measured, monitored and controlled.

Reviewed 80+ records of any SARs filed monthly, the original or business record equivalent of any supporting documentation for a period of five years from the date of filing for high-risk customer activities.

Responsible for researching, analyzing and investigating potentially suspicious activity reports related to money laundering and terrorist financing and other forms of financial crime from system generated alerts and internal referrals to ensure suspicious transactions were filed within specified timeframes.

Managed communication with 10 - 20+ messages monthly to ensure proper case handling and zoom calls, if needed.

Evaluated SAR recommended cases from fraud case investigators across multiple areas to ensure/determine, if SAR filing should be warranted. Reviewed fraud cases from offshore Investigators to ascertain accuracy and completeness.

Documented quality review of SAR recommended AML/fraud cases. Completed quality control checklists via SharePoint to document findings/deficiencies on SAR recommended cases and sent info to FINCEN as required.

May 2020 – December 2021

Case Manager - Cushman & Wakefield, LLC Atlanta, GA

Communicated via telephone and email with applicants regarding the submission of the necessary documents needed for completion and acceptance of their (EIDL) Economic Injury and Disaster Loan applications.

Independently manage an assigned portfolio of 500+ SBA loans and concentrated on loan due diligence, by reviewing loan applications for errors or suspected fraud activity.

Prepared written responses to inquiries received through the PDC's resolution and 4506-T requests email boxes and replied to the decline letters to include requirements to properly address and overcome identified deficiencies for the applicant under the "summary decline" process.

Accurately managed and maintained the loan portfolio, processing payments, cash analysis, modifications and resolving any discrepancies in a timely manner.

Reviewed over 15+ client applications, financial statements, and other relevant documentation to determine their eligibility for Covid-19 loans on a daily basis.

May 2021 – July 2021

QC File Reviewer - Grant Thornton, LLP Atlanta, GA

Mastered comprehensive verification of loan documentation, ensuring accuracy, completeness, and adherence to company policies and regulatory standards before submission to underwriting.

Enhanced the review process for key financial documents, such as credit bureau reports and tax returns, for 10+ loan files daily, ensuring efficient and accurate uploads to Encompass.

Conducted detailed analyses of mortgage applications, aligning with mortgage lending and investor guidelines to evaluate borrower qualifications and application completeness.

Performed quality checks on loan files to ensure accuracy and completeness, maintaining a high standard of data integrity.

September 2019 – November 2019

AML Analyst - Grant Thornton, LLP Mt. Laurel, NJ

●Utilized 3rd party research tools (LexisNexis, Google, World Check) to validate suspicious activities per high-risk reports.

●Pulled transactional records from banking systems for internal/external research on customers.

●Worked within multiple operations to validate sources for clients, fraud and enhanced due diligence; perform analysis of transactional data for suspicious activity, money laundering patterns and fraudulent transactions.

●Review the customers’ profile against highlighted transaction activity alerts to assess whether transactional activity is normal and expected based on customer’s profile.

June 2019 – September 2019

AML Analyst - Lewis James Professional Atlanta, GA

●Participated in internal audits of high client risk assessment to ensure risks are properly identified, by analyzing & reporting cases involved with potential laundering or terrorist activity.

●Accessed SaFire, SharePoint and other related bank systems to gather high risk client info and key data into the risk assessment system. Reviewed alert activity which includes criminal behavior, fraud and money laundering attempts, and negative news

●Crafted clear, concise, and accurate SAR narratives that effectively communicate the nature and scope of suspicious activity to investigators.

●Maintained detailed records and generate insightful reports on daily/weekly alert volume, investigation progress, and overall production metrics.

●Fostered a collaborative work environment, proactively communicating with colleagues, investigators, and other departments to optimize case resolutions.

October 2013 – November 2018

Senior Fraud Investigator - Citizens Bank Pittsburgh, PA

●Monitored and analyzed over 25+ real – time cases daily via detection systems, tools, reports, or manually evaluating/investigating to determine required actions for suspicious accounts.

●Investigated a range of fraudulent activities, including elderly abuse, organized crime, online, remote check deposit, check-kiting, ID theft, romance scams and account takeover.

●Performed detailed analysis on depository accounts that appear to have activity that would support suspicions of deposit fraud or counterfeit check activity and provided detailed documentary evidence to support findings.

●Conducted in-depth investigations, including evaluating new and existing account activities, account relationships and customer profiles. Reviewed high risk outgoing wire transfers for potential fraud; perform research and obtain wire validations from business units.

Business Credit Associate II - Citizens Bank Pittsburgh, PA

●Supported the maintenance of virtual credit files of confidential information and the overall preparation of a file for underwriting as specified in accordance with the policies and procedures established by the Business Banking Loan Operations.

●Reviewed and entered all non-financial customer information such as driver’s licenses and entity documents; orders and reviews good standings, flood determinations, and UCC searches.

●Supported the Relationship managers, Portfolio managers and Wholesale Business Banking underwriting team by conducting due diligence/internal audit via checklist.

●Processed New Money loan applications and reviewed financial documentation in support of new CRE loan requests, interim reporting, and/or annual reviews via email.

July 1997 – October 2013

401K Account Specialist - PNC Bank Pittsburgh, PA

Conducted 401(k) Plan administration and analytics (e.g., payroll/deferral/loans, and quarterly reporting), included interpretation of plan documents, issued resolution for employee and system opportunities, and implementation of technology and process improvements.

Prepared the compliance filing (Form 5500, Safe Harbor notices). Managed pension and deferred compensation plan administration (e.g., pension employee census and benefit tracking, DCP participant status updates, and DCP quarterly distributions, HCE statuses via Excel spreadsheet).

Reviewed ESOP plans for compliance with regulations regarding contributions, vesting schedules, and other contributing factors.

Loan Administrator II - PNC Bank Pittsburgh, PA

Applied specialty product knowledge to close or administer high complexity or high risk syndicated and/or commercial loan transactions/derivatives. Review customized commercial, legal, and related due diligence documentation and reporting to ensure adherence to complex deal structures and/or regulatory compliance requirements.

Consulted and advised customers via email & phone calls, investors, capital markets loan syndications and/or commercial real estate deal teams, as well as external and internal business partners to their business needs.

Managed my own portfolio of multiple complex commercial, capital markets and loan syndicated customers.

Reviewed libor rate transactions and related documents to determine whether loan disbursements can be made, or if additional documentation or escalations are required.

Reconciled loan transactions to the general ledger and ensure that non-posted items are cleared daily.

BSA/KYC Analyst - PNC Bank Pittsburgh, PA

Viewed 30+ transaction monitoring alerts daily to escalate potential instances of suspicious activity.

Conducted reviews of account-to-account transfers to monitor for suspicious activity related to fraud, money laundering, terrorism financing, and other financial crimes.

Performed quality control reviews and identified process gaps along with assisting in writing SARs.

Investigated potential negative media alerts to identify whether a true match to a prospective or existing client and escalate.

Provided feedback/observations from to the investigators through multiple channels (emails, phone calls or 1 on 1 virtual sessions) to ensure that any/all quality concerns are addressed in a timely fashion.

Commercial Loan Analyst - PNC Bank Pittsburgh, PA

Analyzed and evaluated transcripts of accounts receivables, credit agreements, promissory notes, borrower entities and credit memorandums to determine eligibility, repayment schedules, interest rates, and principal payments.

Adjusted loan amounts, cleared balances and waived late charges under the specified amount, obtained approval for those requests which are outside the approval limit. Entered monetary items, wires, and utilized ACBS, as required.

Strong attention to detail and the ability to prioritize, manage tasks and meet in connection with business operations, including related regulatory compliance matters.

Responsible for reviewing loans from set-up to closing by verifying, compiling and entering borrower information into loan processing systems.

Senior Financial Consultant - PNC Bank Pittsburgh, PA

Responsible for preparing loan documents for 3rd party clients, PNC Wealth Management, all attorney-witnessed closings, loans requiring new title insurance policies.

Reviewed signed loan documents, returned and requested correction for those documents that failed the review process, and performed the disbursement function for all loan packages produced within a market that participates in the centralized closing process.

Received loan application from point of origination; entry of application into application processing scoring and/or tracking system; incomplete/complete application determination and tracking and other tasks related to preparing application packages for review by the underwriting group.

June 1996 – July 1997

AML QC Analyst – Kelly Services Pittsburgh, PA

Reviewed 20+ transaction monitoring alerts to escalate potential instances of suspicious activity.

Conducted reviews of account-to-account transfers to monitor for suspicious activity related to fraud, money laundering, terrorism financing, and other financial crimes.

Performed Quality Control reviews and identified process gaps.

Tracked and reported any defects which are discovered in the validation process.

Accurately and thoroughly gather necessary artifacts for SAR development

Conducted recommendation if SARs should be filed to FinCEN, where necessary.

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