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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