Customer Service Manager

Kori L. Gnatek, CAMS, CFE

*** ***** **** ******* **. 315-***-****

Poughkeepsie, NY 12601 E-Mail: ********@*****.***

Professional Experience:

*/** – Present Deloitte Financial Advisory Services LLC: New York, NY

Senior Associate (Anti-Money Laundering Consultant)

Financial Advisory Services (FAS)

Served as a QA associate on a transactional review engagement to ensure that the analysis,

presentation and documentation of data in case files comply with the protocols of the financial

institution. Assisted a client in conducting an independent assessment of their Anti-Money

Laundering (“AML”) program for their banking and credit card operations by providing an

evaluation of their transaction monitoring policies and procedures. Assisted a client in conducting

an independent assessment of their Anti-Money Laundering (“AML”) program for their Money

Service Business (“MSB”) operations by providing an evaluation of their transaction monitoring

policies and procedures. Assisted a client in conducting an assessment of their current Anti-

Money Laundering (“AML”) training program for their banking and credit card operations by

providing an evaluation of their current AML training programs. The evaluation including

identifying gaps in training programs, identifying the roles employees assume and the training

required for each role as well as the identifying required training modules for a comprehensive

AML Learning Library. Assisted a client in conducting a transaction monitoring validation to

confirm whether the current set of transaction monitoring rules were adequate given the Bank’s risk

profile, customer base, products and services and other similar factors. The validation process

included analyzing transaction monitoring rules and documentation, reviewing the monitoring rules

is use as well as the policies and procedures pertaining to updating monitoring rules and validating

the monitoring rules against business operations (e.g., customers, products, etc.). Assisted a

client in the development and creation of transaction monitoring desk procedures by providing a

step by step manual outlining all transaction monitoring reports and systems that would be used as

well as the processes by which these resources would assist in the detection of potentially suspicious

activity.

8/03 – 3/07 Citigroup / Citibank N.A.: Long Island City, New York

Anti-Money Laundering Specialist / AML Compliance Manager (AVP)

Citibank Bank Secrecy Compliance Office (CBSCO)

In compliance with the U.S. Bank Secrecy and PATRIOT Act, completed over 2,000

investigations resulting in the formulation of highly detailed Suspicious Activity Reports (SAR)

summarizing targeted transactional patterns/events through analysis and investigative techniques.

Investigate 314A and 314B identified accounts under the USA Patriot Act. Analyze suspicious

transactions reported by Financial Centers, back office cash activity reports, Grand Jury Subpoenas

and wire transfer reports. Apply OCC Red Flags knowledge to investigating of identified

suspicious accounts. Provide support to all Marketplace Compliance Officers and Financial

Center Management by initiating account closeouts based on customer activity and all other Anti-

Money Laundering issues. Manage “Know Your Customer” program for accounts with high

dollar wire transfers, significant cash activity, or high-risk businesses and assist Financial Centers to

comply with investigation protocols. Liaison with Customs, Internal Revenue Service, F.B.I. and

U.S. Attorney’s Offices for the detection, prevention, investigation and prosecution of Money

Laundering and Terrorism related cases. Manage Citicorp Investment Services (CIS) team in

brokerage account investigations utilizing the MANTAS application. Successfully manage and

motivate a Team of 4 - 6 investigators by providing assistance with Money Laundering related

topics. Interview and train new “hires” with relevant applications in conducting account

investigations. Efficiently manage my time to complete Manager related responsibilities such as

the review of system-generated reports on a monthly basis, the approval of SAR(s) on a daily basis,

periodic employee reviews as well as the management of 314A name search process and CIS

processes on a weekly basis. Continual participation in Special Projects within the unit to include

optimization of Mantas, assisting in setting up another office location is Tampa, FL as well as a

314a Name Search initiative.

2/03-6/03 JP Morgan Chase: New York, New York

General Auditing Department (Internal Investigations)

Full Semester Internship

Protected assets by analyzing executive-level expense reports and e-mail communications in

order to detect unauthorized use of company resources. Conducted internal audits on company

policy violations involving broker abuse of client relationships. Assisted colleagues in internal

investigations, employee interviews, and preparation of legal documents for use in criminal

prosecution cases. Conducted extensive research on the costs, benefits, peripherals and training

necessary to implement an on-site computer forensics lab. Analyzed ATM surveillance videos to

identify skimming instances and to assist law enforcement in the apprehension of the criminal

parties involved. Performed undercover sting operations at the branch level, involving employee

theft and assisted in follow-up interrogations.

5/01-1/03 Fleet Boston Financial: Utica, New York

Account/Loss Control Specialist

Initiated ground-level investigations on suspicious claims and unauthorized account activity.

Conducted extensive telephone interviews to identify potentially fraudulent ATM and credit card

transactions. Regularly educated customers on the proper techniques of credit protection by

providing extensive tools and resources. Recipient of multiple customer service awards for

consistently demonstrating exceptional customer service. Mediated customer disputes by

organizing conference calls to negotiate and resolve transaction discrepancies between customers

and merchants.

Education: Utica College of Syracuse University, Utica, New York

Bachelor of Science May 2003

Major: Criminal Justice - Economic Crime Investigation

Concentration in Computer Security

Major GPA: 3.59

Dean’s List: Spring 2002

Member, ACAMS (Association of Certified Anti-Money Laundering Specialists)

CAMS Certified

Member, ACFE (Association of Certified Fraud Examiners)

CFE Certified

Completion of over 200 hours of Continuing Professional Education (CPE) credits.

Seminars/Conferences: ECII (Economic Crime Investigation Institute): McLean, VA (2002).

The Nexus of Economic Crime, Information Assurance, and Terrorism.

Citigroup ABA/ABA Money Laundering Enforcement Seminar: Arlington, VA (2003).

JP Morgan Chase: 6 Sigma Training: New York, NY (2003).

Citigroup ABA Telephone Briefing on Suspicious Activity Reporting (Trends, Programs,

Obligations, Myths, and Realities): New York, NY (2004).

CTR review

Citibank’s AML training

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