Customer Service Analyst

Nathaniel D. Holland

( 301-***-**** * **************@*****.*** - 1615 Annesely Court Annapolis, MD 21401

Job Title

Accomplished and results driven AML Analyst recognized for professionalism, commitment to excellence, and demonstrated ability to communicate and work with senior management, associates, and customers. Has an excellent interpersonal skill, able to collaborate effectively with co-workers at all levels. Self-motivated and can work independently or in a team. Broad based qualifications include: Customer Due Diligence/Enhanced Due Diligence and Suspicious Activity Identification and Reporting.

AREAS OF EXPERTISE

Excellent Strategist - Provide solutions that boost productivity and efficiency across the organization. Quickly identify problem areas and implement effective solutions to meet goals.

Exceptional organizational skills - Consistently recognized by colleagues for exceptional talents in needs analysis and problem resolution in fast-paced environments.

Strong sense of responsibility - Solid professional standards; excellent track record of dependability. Maintain focus on achieving results while implementing business solutions to meet a diversity of needs.

Administration and Management - Knowledgeable of business and management principles involved in strategic planning, resource allocation, leadership technique, and coordination of people and resources.

Customer Service - Consistently demonstrate responsiveness, strong customer focus, and ability to build good customer relationships.

PROFESSIONAL EXPERIENCE

Senior AML Risk Analyst:

AXELON SERVICES CORPORATION-

February 2016 – Current 2017

Tested for forensic (AML/BSA), Anti-Money Laundering and Bank Secrecy Act violations.

Reviewed Risk Analysis and Suspicious Activity Reports (SAR).

Conducted tests of (CIP) Customer Identification Program, and (CTR) Currency Transaction Reporting to ensure that the bank aggregated all currency transaction as outlined in the policy, procedures and processes manual.

Tested for overall New Account KYC and CIP Procedures

Tested the bank’s risked-based (OFAC) Office of Foreign Assets Control to guarantee proper monitoring and that the bank had adequate triggers in place to eliminate risk.

Reviewed mortgage loans transactions to ensure all monies and deposits aligned with Officer of the Controller of the Currency (OCC) FINCEN policies to ensure no suspicious activity existed.

Obtained and reviewed the bank’s written BSA/AML/USA Patriot Act compliance policies, procedures, and processes manual to ensure proper compliance and verify responsibilities.

Engaged the BSA/AML staff to gauge their awareness and ensured adherence to KYC (Knowing Your Customer).

Recommended and assisted in report development, training materials, and policy/procedural documents for AML/KYC.

Senior AML Risk Analyst:

CROSBY CORPORATION -

October 2016 – February 2017

Tested for forensic (AML/BSA), Anti-Money Laundering and Bank Secrecy Act violations.

Reviewed Risk Analysis and Suspicious Activity Reports (SAR).

Conducted tests of (CIP) Customer Identification Program, and (CTR) Currency Transaction Reporting to ensure that the bank aggregated all currency transaction as outlined in the policy, procedures and processes manual.

Tested for overall New Account KYC and CIP Procedures

Tested the bank’s risked-based (OFAC) Office of Foreign Assets Control to guarantee proper monitoring and that the bank had adequate triggers in place to eliminate risk.

Reviewed mortgage loans transactions to ensure all monies and deposits aligned with Officer of the Controller of the Currency (OCC) FINCEN policies to ensure no suspicious activity existed.

Obtained and reviewed the bank’s written BSA/AML/USA Patriot Act compliance policies, procedures, and processes manual to ensure proper compliance and verify responsibilities.

Engaged the BSA/AML staff to gauge their awareness and ensured adherence to KYC (Knowing Your Customer).

Recommended and assisted in report development, training materials, and policy/procedural documents for AML/KYC.

Senior AML Risk Analyst:

CRI Compliance, LLC - March 2016- May

Worked with AML/BSA Investigative unit to review proper processes and procedures were implemented and utilized during the KYC on Client On-boarding of new customers. Unsure all required documentation was collected at time of onboarding.

Execute investigations based on information collected during Onboarding process to identify risk level of individuals.

Utilized Compliance Risk Assessment (CRA) to assess the level of regulatory risk and tested the strength of monitoring controls and triggers.

Reviewed and tested Low, Medium and High Risk levels to ensure proper level was identified and recommended risk adjustments as needed based on findings.

Reviewed and tested SAR suspicious activity reports and controls and escalated to AML Head per client policies and procedures.

Worked on Investigative Testing Team responsible for reviewing and testing Key Risk Factors to determine Inherent and Residual Risk control factors.

Worked with AML Global testing team to identify the business segments and business units monitoring and controls to be tested.

Worked closely with the AML Advisory group to ensure KYC and SAR policies, processes and procedures were within client Framework and that controls were adequate to minimize AML risk.

Worked with AML partners to ensure policies were in concert with the Patriot Act and that all information was shared on a Need to Know basis only and all privacy guidelines and controls were in place and functioning.

Utilized the Risk Assessment Methodology in testing and determining the Regulatory Environment, Potential Liability to the LOB, History of any Past Problems, Customer Complaints, i.e., Client Reputation, and how much of a process relies on another LOB’s.

Worked with transaction and monitoring team on Investigations and tested Suspicious Activity Framework to see if escalation was being properly utilized and adhered to.

Worked with AML Advisory as well as governmental agencies and law enforcement to answer subpoenas NSL’s, 314(a) and referrals from another LOB’s.

Our goal for testing was to reduce AML and or terrorist financing risk, anticipate requirements for upcoming AML/BSA exams and audits by internal and external sources and to identify any deficiencies of the AML program processes and procedures.

Provide oversight of CSIS investigators upon review of KYC onboarding and recommend relationship retention or termination, and track account closures.

Senior AML Analyst:

The Oakleaf Group - February 2015 – March 2016

Responsible for identifying and researching the patterns, trends and anomalies in complex transactional and customer data to detect, prevent, mitigate and report suspicious activity related to money laundering, terrorist financing and structuring.

Maintain strong investigative skills; the ability to work independently, demonstrated extensive banking and compliance knowledge.

Prepared and reviewed Loan accounts, RDC (Remote Deposit Capture), Wire Transfers and Monetary Instrument Quarterly reports.

Conducted enhance due diligence research of individuals, institutions and trust through Lexis Nexis and other internet tools.

Analyzed clients’ database to create Customer Monitoring Report and reported to FINCEN.

Analyzed potential Office of Foreign Assets Control (OFAC) hits to ensure transactions were in compliance with United States sanctions.

BSA/KYC Analyst:

Treliant Risk Advisor - October 2014 – January 2015

Determined and implemented additional steps, validating KYC risk compliance based on research of customer records, verifications of account purpose and legitimacy, analysis of transaction activity.

Conducted reviews of client documentation and information obtained by clients contacts within the business unit.

Ensured that information obtained was consistent with BSA/AML Policy and Procedures and satisfied regulatory requirements.

Audited SARs and AML information and ensured file were compliant for government reporting and analysis.

Performed additional tasks as assigned, improving the effective administration of the AML and KYC Policies.

AML Analyst II:

Green Key/ FIS Global New York, NY May 2014-July 2014

Evaluated wire transfers and other payments for potential fraud, money laundering, patterns and inconsistencies.

Review, research and make determination of suspicion on items and transactions identified according to Bank Secrecy Act (BSA) via AML automated alerts or manually received reports and referrals.

Conduct background investigations as required.

Understand and stay current on the red flags and industry trends related to AML.

Assist with the preparation and review of materials gathered for regulatory examinations.

BSA/AML Analyst Project Consultant:

Compugain Herndon Atlanta, GA August-October 2013

Responsible for reviewing AML investigations and assisting with a variety of activities that support the AML risk assessment program efforts including research, analysis, and synthesis of information and data, presentation and report production, and support the timely completion of deliverables.

Implemented internal policies and control procedures with a thorough knowledge and understanding of guidance, laws and regulations.

Made recommendations to improve policies and procedures to maximize departmental resources.

BSA/AML Analyst/Project Consultant:

Treliant Risk Advisors Washington, DC May-July 2013

Managed Customer Due Diligence/Enhanced Due Diligence and Suspicious Activity Identification and Reporting.

Detected, monitored, analysed and reported suspicious activity with respect to money laundering and terrorist financing.

Monitored complex customer activity in order to ensure that Bank is not doing business with persons involved in money laundering or terrorist financing or with prohibited persons or entities designed by OFAC and other law enforcement agencies.

AML File Review Consultant:

Compugain Atlanta, GA February–April 2013

Accounted for Compliance Policies and Control Procedures.

Implemented internal policies and control procedures with a thorough knowledge and understanding of guidance, laws and regulations.

Made recommendations to improve policies and procedures maximize departmental resources.

File Review Analyst/ Project Consultant:

Solomon Edward Group & Promontory Group Washington, DC February 2012–January 2013

Handled due diligence and captured data and documentation in accordance with case review methodology as it relates to loan USA Patriot Act.

Managed BSA/AML training and drafted pre-SARS for escalation purposes.

Organized and reviewed SAIFs and accompanying documentation.

Conducted background research, analysis and due diligence related to SAIF escalations.

Accounted for keeping abreast of new rules, regulations and reputation risks to develop, implement and revise current policies and procedures.

Branch Manager:

The Washington Savings Bank FSB Bowie, MD October 2010–February 2012

Conducted prototype AML reviews and investigations of alerts generated by new scenarios in order to develop procedures, protocols, and to establish sufficient training.

Worked in conjunction with the Quantitative/Qualitative Analysis team to ensure that the recommended threshold and scoring changing are tested appropriately.

Conducted analysis on a sample of the database in order to identify potentially “false negative” alerts.

Prepared field inquiry, conducted QA and answered field inquiry related questions about AML transaction monitoring.

Responsible for drafting Pre-SARS for escalation purposes.

Organized and reviewed SAIFs and accompanying documentation.

Conducted background research, analysis and due diligence related to SAIF escalations.

Kept abreast of new rules, regulations and reputation risks to develop, implement, and revise current policies and procedures.

AML Compliance Analyst:

Bankers Financial Group, Inc. Greenbelt, MD November 1989-October 2010

Responsible for establishing baseline practices for new and modified AML investigation processes, as well as for conducting AML investigations that fall outside of standard operational activities.

Prepared pre-SARS for escalation purposes and responsible for supporting on-going calibration and tuning exercises.

Validated newly generated Mantas Check Monitoring alerts.

Liaised with audit examiners from the state and from partner banks.

Interacted with Managers on matters concerning Banking Secrecy Anti Money Laundering and the USA Patriot ACT.

Senior Commercial Account Officer:

John Hanson Savings Bank FSB- Beltsville, MD 1986-1989

Conducted regular reviews for creditworthiness and quality assurance.

Examined properties for loan collateral suitability.

Reviewed appraisal reports and feasibility studies.

Analysed architectural drawings, engineering reports, financial statements, tax returns and credit information in order to make final recommendation to the bank’s loan credit committee.

Managed a mortgage loan portfolio valued at more than $250 million (which portfolio also included loan work-outs).

Underwriter:

Puller Mortgage Associates, Inc. Indianapolis, IN 1985-1986

Responsible for originating and underwriting mortgage loans for multi-family apartments, multiple unit retirement service centres and for multi-family apartment rehab, pursuant to sections 221(d)(4) and 223(f) of the mortgage loan underwriting guidelines for the Department of Housing and Urban Development (HUD).

Evaluated housing markets for new multi-family construction.

Reviewed feasibility studies, appraisal reports, financial statements, tax returns and architectural drawings in order to make final credit approval decisions.

Travelled for market analysis and for on-site interviews; trained new underwriting personnel.

Account Executive:

Dean Witter Reynolds, Inc. Indianapolis, IN 1984-1985

Responsible for advising clients on matters regarding financial investment products, retirement strategies, market trend analysis for equity and debt trades.

Developed new accounts to meet client’s investment objectives.

Maintained excellent customer service and client relations.

Represented all manner of investments including the sale of Ginnie Mae products.

Account Executive:

Merrill Lynch, Inc. Indianapolis, IN 1982-1984

Responsible for client consulting, sales, marketing, and client account management, transactional processing, and all aspects of client relations.

Created investment portfolios based on clients’ investment objectives.

Was in the top quintile of production within the class.

EDUCATION

6 hours toward Master in Business Administration:

Capella University Minneapolis, MN 2012

20 hours towards Master in Public Administration:

Indiana University Bloomington, IN 1982

Bachelor of Arts in Literature:

Indiana University Bloomington, IN 1981

CERTIFICATES and LICENSURE

Licensed Real Estate Sales Person, State of Maryland Certificate Anti-Money Laundering/Bank Secrecy Act All Regs Academy 2013

Certificate AML/BSA Analyst Global Banking Institution 2013

Quality Control KYC- Knowing Your Customer

CRA Methodology AML Testing EDD- Enhanced Due Diligence

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