Management Analyst

Charmaine N.Dorman

** ***** **** ****, ** 302-***-**** (cell) ********@***.***

Protecting and Preventing is my main concern..my only concern

Objective: To obtain a full-time remote AML Consultant position

My mission is to provide a "Triple A" investigative process to obviate all BSA/AML concerns, to

ensure risk matters are expertly and properly addressed, and to be a trusted, resourceful and

knowledgeable resource:

Assess the concern Analyze cause and effect Act accordingly

Areas of Expertise:

*SAR Filings

*Case Construction

*Transactional Reviews

*Cash Analysis

*EDD

*Analyzing and Detecting Fraud Patterns

*Look Backs

*Domestic/Foreign Wires

*CTR/MIL requirements

Experience:

Capital One/Collabera Inc.

AML Compliance Consultant-May 2010-Current

*Monthly disposition of 125-150 ACTIMIZE alerts for individuals and businesses

* Alerts generated by Searchspace, Large Cash Report, ACH/Wire, and Ad-Hoc reports

*Alerts triggered for possible money laundering patterns, i.e. structuring, micro structuring,rapid

funds movement,excessive cash,unusual wires,ATM activity,unusual checks,etc.

* Due Diligience research utilizing Lexis-Nexis,Google,and internal databases

* Submitted narratives to explain a "non-issue" alert

* Escalated suspicious alerts to case que

* Processed cases to justify money laundering findings by utilizing 90 day transactional data, any

negative news, unusual CIP information, interviewing branch personnel, prior SAR filings, etc.

* Submitted SAR's

* EDD for MSB's,PEP's,High Risk countries,etc.

* Respond to requests from Law Enforcement personnel

* Research AML topics of interest to present in a "deep dive" report format to AML team

members, management, and other related

Personnel (recent topics: Remote deposit capture,Letters of credit, internet gambling)

*Supplemental reviews

PNC/Kelly Services

Regulatory Operations Consultant-January 2010-May 2010

* Worked mutual fund alerts to ensure transaction activity, and funds for deposit were legitimate

*Process AML reports to ensure proper transaction activity for AML requirements

*Processed CIP SAR report

*Processed FinCEN 314b report

* Completed AML cases for suspicious item(s)

* Forward requests to Compliance Officer for possible SAR,CTR filings

* Monitor newly opened accounts to ensure CIP requirements are fulfilled, provide verbal and

written information to

Shareholders/Investor Representive to request medallion signature guarantees, and other

necessary missing information

* Request for placement or removal of stop requests

* Review for RPO's and conduct research to ensure accuracy of information

* Met with Auditor to ensure processing steps were in compliance

Regulatory Data Corporation/Technisource Inc.-March 2009-December 2009

AML Analyst Consultant

* Identify and alert suspects, or businesses involved in AML and/or other criminal activity to

mitigate regulatory risk for customers

*Conduct due diligence research utilizing Internet research, Lexis-Nexis,and Factiva on current

and prospective

Clients

* Performed EDD for OFAC, PEP's, Fugitive,and AML violators

* Comprehensive knowledge of AML, BSA and KYC requirements and procedures

*Look backs reviews

* Monitor global sanction lists

* Responsible for ensuring compliance with AML guidelines

* Participated in AML training

HSBC/Advanced Staffing- New Castle, DE 11/2002-9/2007

Credit Specialist/Senior Credit Specialist/Fraud Analyst

* Utilized Fast Data and Verid to obtain legitimacy on questionable applicants

* Reviewed OFAC list to prevent fraud credit approvals

* Identified Fraud Trends

* Proficient in analyzing Equifax, Experian and Trans Union credit

Bureau reports

* Responsible for ensuring compliance with The Patriot Act

* Examines and evaluate applications by analyzing credit history

* Floor limit authority to 20k

* Granted reconsiderations, increases and reinstatements

Honors and Recognitions:

* Recognized as Top 3 Analyst at RDC

* Developed and implemented an innovative form to be used in the daily operation of the

department by utilizing learned Six Sigma methodology

* Selected to be a Team member for a pilot program that involved traveling to regional clients to

assist customers with a banking process

* Received complimentary calls that were acknowledged and rewarded by senior management

* Winner of AAA Mid-Atlantic's Contest to generate Battery Sales

* Developed "Pat on the Back" award program

* Group Leader of Welcome Wagon Committee

Employers:

Delaware Claims Processing Facility- Wilmington, DE 3/2008-9/2008

Absestos Claims Reviewer

AAA Mid-Atlantic- Newark, DE 9/2007-3/2008

Roadside Assistant Counselor

First USA-Wilmington, DE 7/2000-8/2001

Financial Services Advisor

The Access Group-Wilmington, DE 7/1996-6/2000

Student Services Specialist

Education

*Focus On Compliance-Banker's Academy Certificate

*Working towards CFE and ACAMS certification (ACAMS member,points have been

assessed,currently studying for certification, will obtain certification within 6 months of hire date)

Strayer University-Information Technology-2007

The Washington Online Learning Institute-2004

Paralegal Pathway Program-Certificate

Delaware Technical and Community College, Wilmington, DE -1990-1992

Courses toward Management/Marketing Degree

Computer Skills

Microsoft Office

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