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BSA/AML Professional

Location:
07083, United States
Posted:
March 28, 2008
Contact Info:
*********@*****.*** ***-***-****


LUISA A. FRANCO
** ****** ***** ******, ** *****
*** ********** ****** *****, ** 07083
949-***-**** or 949-***-****
*********@*****.***
________________________________________

EXPERIENCE:

ORANGE COUNTY TEACHERS FEDERAL CREDIT UNION, Tustin, CA October 2007 to Present
BSA Officer – Operations Risk Officer
Develop documents and communicate appropriate risk management policies/procedures to ensure full compliance with all aspects of applicable regulations
Responsible for ensuring Currency Transaction Reports and Suspicious Activity Reports are filed accurately
Ensure timely training of staff throughout organization and provide counsel on BSA, AML and OFAC matters
Develop and administer Business Continuity Plan, BSA and OFAC compliance policies and procedures.
Monitor accounts for suspicious activities and research of unusual transactions
Responsible for annual review of credit union insurance policies to ensure proper coverage is in place and recommend appropriate changes to management
Conduct annual enterprise risk assessments

KINECTA FEDERAL CREDIT UNION, Manhattan Beach, CA February 2007 to September 2007
BSA Analyst – Risk Management
Implemented and administered all aspects of the Bank Secrecy Act Compliance Program
Assisted with establishment of operating/BSA related policy and procedures
Performed quality control reviews to ensure compliance efforts are performed daily
Developed, implemented and maintain training scripts/modules on regulations related to the Bank Secrecy Act
Interacted with several areas of the Credit Union as well as examiners/auditors
Assisted in the implementation of anti-money laundering software
Conducted BSA/AML training for new hires and managers/supervisors of retail operations

UNION BANK OF CALIFORNIA, Orange, CA June 2006 to January 2007
BSA/AML Compliance Investigator (contracted by MSquared)
Performed due diligence on high risk accounts, politically exposed persons (PEPs), Senior Foreign Political Officials, foreign businesses/entities, and Charities/Non-Governmental Organizations (NGOs) to insure compliance with regulatory guidelines including Bank Secrecy Act and USA Patriot Act.
Performed quality control and analysis of client records including bank statements and transaction details
Reviewed and assigned levels of risk for each customer
Worked with third party audit team to review Know Your Customer (KYC) documents as well as Relationship Summaries as completed by Bank Officers to determine if all account profile information is accurate, detailed and commensurate with BSA/AML guidelines.
Reviewed Subpoenas as well as Suspicious Activity Reports (SARs) for accuracy and made additional recommendations as necessary for SAR filings
Educated Compliance Officers on procedures for account remediation including performing Enhanced Due Diligence

PENN FEDERAL SAVINGS BANK, Newark, NJ September 2003 to June 2006
BSA/AML Security Assistant
Assisted with preparation of required departmental reports
Reviewed and researched daily security reports for BSA/AML compliance
Monitored and performed risk analysis on high risk accounts
Assisted with bank-wide security issues and breaches such as bank robberies
Investigated cases of suspected customer and employee fraud
Followed-up on receipt of outstanding Currency Transaction Reports
Updated and revised CIP, PEP, and BSA/AML policies and procedures
Interacted with vendors for security equipment and branch security
Dealt with law enforcement on several occassions

Branch Manager (March 2005 – October 2005)
Developed and cultivated long-term business and consumer relationships
Supervised and developed staff to build an effective, high-performance team
Trained new personnel at branch level
Managed controllable components of branch Profit & Loss
Monitored and performed risk analysis on high risk accounts and investigated account fraud
Performed audits on branch and staff; vault and cash auditing
Completed monthly budget and status reports

Assistant Branch Manager (September 2003 – March 2005)
Sold products and services
Completed daily overdrafts
Completed monthly budget and status reports
Supervised staff in the absence of the Branch Manager
Completed monthly audits on branch and staff
Monitored and performed risk analysis on high risk accounts and investigated account fraud

ROBERT HALF INTERNATIONAL, Paramus, NJ December 2002 to September 2003
Sales Support / Administrative Assistant
Handled all aspects of human resources including the new hire paperwork, as well as benefits, staff payroll issues, and expense reports
Complied with state/federal laws in getting I9 & W4 information from candidates
Performed administrative duties including taking candidate calls, reviewing resumes, sending letters, and entering candidate and company information into database
Acted as primary support for 9 staffing managers

CROWN BANK, N.A., Newark, NJ May 2001 to February 2002
Customer Service Representative
Assisted customers with banking needs and completed monthly audits
Balanced various general ledger accounts daily and month end
Trained and supervised 5 full-time and 2 part-time tellers

INDEPENDENCE COMMUNITY BANK, Newark, NJ October 1998 to May 2001
Head Teller
Supervised 5 Tellers
Proved general ledger accounts daily and month end
Promoted from teller position (1998 – 2000)


EDUCATION:
BERKELEY COLLEGE, West Paterson, NJ
Bachelor in Science Degree (12/2005)
Major: Business Administration - International Business

Associate in Applied Science Degree (03/2004)
Major: Business Administration - International Business

Member of the Association of Certified Fraud Examiners
Currently completing Fraud Examiner Certification

SKILLS: Excel, Word, PowerPoint, Access, Symitar, ChoicePoint/Bridger Insight, Lexis Nexis, World Check, Enterprise Solutions for Bankers, Investigation Case Management Software, Bankers Toolbox (BAM), Yellowhammer and Lan Ammo

Trilingual: English / Portuguese / Spanish