Quality Assurance Manager
Resume:
MARGARITA POZNYAK
ab8uaw@r.postjobfree.com
*** ********* **, # *-* Cell: 508-***-****
Pelham Manor, NY 10803 Home: 914-***-****
PROFESSIONAL EXPERIENCE:
Holdings Inc., Brooklyn, NY
AML/KYC Quality Assurance Analyst (Consultant)
Performed QA/Customer Due Diligence review to assure that as mandated by
the company's KYC procedures all remediated client relationships:
. were documented and the information was obtained on the client as
required (executed USA Patriot Act certification for all Foreign Banks,
Section 312, Wolfsberg Questionnaire, etc)
. have undergone the appropriate client identification screening for
potential OFAC matches (SDN/Targeted Countries List; PEP's, Debarred
Parties List, Non-Cooperative Countries List, etc). Investigated quality
of potential hits utilizing a variety of available public research
sources and escalated positive hits results to Compliance manager;
. analyzed client data, documentation and negative news in order to
determine Client Risk Profile;
. produced a detailed client review write ups and maintained detailed
records on clients for third-level review
04/2010 - 05/2012 Nordea
Bank Finland Plc, New York, NY
AML/KYC Compliance Analyst (Consultant)
. Performed QA/Customer Due Diligence review for potential OFAC matches
(SDN/Targeted Countries List; PEP's, Debarred Parties List, Non-
Cooperative Countries List, etc). Investigated quality of potential hits
utilizing public records, media and other research tools; documented
investigation; escalated positive hits results to Compliance manager.
. Collected and examined documents and financial statements necessary to
identify unusual transaction patterns; conducted research over available
bank systems ( Prime/Metavante), the Internet and Databases consistent
with the resolution of investigations.
. Assessed Weighted Average Risk Rating for portfolio according to the
bank's/FINCEN/OFAC Risk Matrix requirements (Customer Type; Products and
Services; Type of Transactions, Account and Transactions parties,
Locations and Involved Geographies).
. Conducted User Acceptance Testing (UAT): worked with Development Team to
ensure that sufficient requirement details are provided for the technical
design, implementation and QA Testing
. Advised on adequacy and comprehensiveness of the AML information
according to FINCEN/OFAC requirement for existing and on-board new
customers
. Reviewed Foreign Financial Institution AML program information, AML/KYC
Certification for Correspondent Accounts and Wolfsberg Group
Questionnaire
. Prepared and circulated to NY management periodic reports about the
status of Compliance reviews and CDDU activities
2006-2009 THE SUMITOMO TRUST AND BANKING CO., LTD,
New York, NY
Officer (BSA /AML Compliance), Corporate Investment Management Department
. Conducted Enhanced Due Diligence Report to support origination of new
syndicated deals and reviewed account opening documentation to ensure
compliance with the US Patriot Act, OFAC, FinCEN and Firm's Anti-Money
Laundering Program (AML) in order to protect Firm's reputation and limit
financial risk
. Conducted investigative reports of high-risk clients, including
International Banking Facilities (IBF), Professional Service Providers
(PPI), Cash Intensive Businesses ( CIB) and Casinos
. Conducted comparison analysis of Actimize vs Mantas systems and wrote
part of the proposal for the management;
. Helped IT to acquire and validate data and conducted UAT ( User
Acceptance Testing, end user testing of the system to ensure both clean
conversion of data and system functionality)
. Reviewed alerts generated by Actimize monitoring system and provided a
second tier approval for investigative escalation
. Prepared Investigated case review summaries, analyzed transaction
activities for high-risk clientele;
. Monitored customer accounts for "Red Flag" and prepared monthly "Red
Flag" Report; CTR report and carried out the requirements of SAR
reporting ; Prepares Notice of Blocked/Rejected transactions and
Voluntary Self-Disclosure
. Collaborated daily and provided guidance with account opening team
regarding KYC information/investigations
. Designed and monitored Regulatory Compliance Checklist and BSA Portfolio
Risk Matrix Report
. Served as a designated person for AML related inquiries regarding FinCEN
314(a) (information sharing with Law Enforcement Agency), and FINCEN
314(b) ( information sharing with other Financial Institution)
. Reviewed and recommended improvements in policies, procedures and
internal controls in compliance with federal securities laws
. Read, analyzed and summarized daily press releases, regulatory filings
and other sources of information with the respect to the existing
portfolio and prospective customers
. Prepared monthly compliance review, internal audit and external
examination requests
. Prepared monthly Weighted Average Risk Report and Monthly Observance
Report for the portfolio with current market value over 1Billion
. Coached and managed temporary employees
Margarita Poznyak
(Continued from Pg.1)
2004-2006 GE CONSUMER FINANCE GROUP, WMC MORTGAGE CORPORATION,
Woburn, MA
Credit Analyst
. Evaluated and audited all fraud or misrepresentation identified in
origination by both manual and automatic underwriting
. Reviewed and analyzed transaction-related documentation, such as
preliminary title, purchase contract, sales agreement and escrow
instruction, as well as validated atypical collateral;
. Reviewed loans application and associated documentation to ensure
thoroughness and compliance with applicable State and Federal regulations
such as AML, KYC, Patriot Act
1996-2001 BANQUE NATIONALE DE PARIS-BNP PARIBAS (BNPP),
New York, NY
Analyst, Structured Finance Group
. Analyzed and monitored investment portfolio of 37 LBO funds with a market
value of $180 MM
. Conducted PPM-based review and analysis of funds organizational
structure, investment style, deal souring capabilities, performance, tax
reconciliation of each fund's K-1 report, decision-making process and
wrote proposals
. Analyzed and monitored current and projected portfolio cash flow
. Analyzed funds financial statements and prepared monthly/quarterly
reconciliation of internal and external records and Income/ Expenses
accounts
. Created and maintained linked network of spreadsheets tracking the
portfolio investments; IRR Cost of Carry and ROI calculation models
. Analyzed all portfolio funds flow activity and act as a liaison with the
funds CFO's for verifying and clarifying all fund flow issues
. Wrote specification and business requirement for portfolio database,
worked closely with IT team
Staff Accountant, Head Office Reporting Division
. Prepared balance sheets, income statement and off-balance sheet and
variance reports for branches
. Prepared Cooke weighted assets and liquidity reports
. Analyzed daily accounts, monitor and control irregularities for branches;
created adjusting entries in order to solve discrepancies in daily and
monthly general ledgers
. Assisted controller with various tasks including preparation of
controller's reports
EDUCATION
B.B.A., General Accounting, 1996
Pace University, Lubin School of Business, NY
Corporate Training Programs:
GE Consumer Finance Group / WMC Mortgage Corporation : Advanced
Underwriting Program, 2004
BNP PARIBAS: Corporate Credit Analyst Training Program, 2000;
Degree in Electrical Engineering, Belarus (USSR)
TECHNICAL SKILLS
CDD Tools; Prime/Metavante; MIDAS; Excel; BridgerInsight; WorldCheck;
Actimize; MANTAS; LEXIS-NEXIS; Bloomberg, Atlas, Crystal Reports,
Morningstar, Microsoft PowerPoint.
Fluent in Russian
ASSOCIATION
Member of the Association of Certified Anti-Money Laundering Specialists
(ACAMS)
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