AML/BSA Analyst

LEKHRAJIE (ANITA) GEER *** - ** ***TH Street,

Mobile: 347-***-**** South Ozone Park, Queens, New York 11420

Email: **********@***.***

SUMMARY: Compliance Professional with over 25+years of commercial, foreign corresponding banking and retail banking experience in AML/KYC/BSA/OFAC/EDD/CDD/PEP/314a Searches and Drafting SARs, Risk Analyst and Compliance Specialist, Funds Transfer Investigations and Money Position Desk. A detailed oriented individual that delivers an extensive proven track record of success by meeting or exceeding company goals in an ever-changing business environment

EXPERIENCE:

KEB HANA BANK-Jonuz & Anderson Consulting, LLC

03/2017 – Present Look-back Project/BSA Transaction Monitoring Analyst

Proficient in transaction monitoring of Corresponding account and wire transfer transaction to determine suspicious activity in relation to Terrorist Financing and BSA/AML violations being channeled domestically and international. Conduct reviews of High Risk customer and keep timely records of completed work.

Complete investigation and documentation for alerts triggered through the BSA/AML “BAM” transaction Monitoring System by utilizing account statements, transaction histories, wire transfer details, check images related to each investigation.

Effectively navigate through systems such as Jack Henry, 4/sight and Synergy to accumulate information, analyze and assess customer relationship, related accounts and linked alerts issues to determine (RFI) request additional information or to escalate appropriately for further review.

Ability to work effectively and independently while meeting the required goal.

CFSB COMMUNITY FEDERAL SAVINGS BANK- FSG Consulting Inc.,

06/2016- 08/2016 Look-back Project/AML Transaction Monitoring Investigator

Review system generated alerts involving ACH and Wires for suspicious activity and relationship that appear to be suspicious or unusual for a given business or person. This involves primarily Person to Person, Business to Customer and Business to Business.

Utilizing Transfer-wise Portal and FIS Gifts system to review and analyze suspicious activity inquiry and making final determination to close/escalate or SAR an inquiry.

Meeting and exceed the company’s expectation of completing 8-10 cases per day from start to finish.

Multiple internal and external applications were utilized for this project such as, Transfer-wise, FIS Gifts, Bank way, Bank Watch-OFAC and Fireworks 123.

INDUSTRIAL AND COMMERCIAL BANK OF CHINA, (ICBC) - Adams Consulting

04/2016 – 06/2016 Contract- AML Transaction Monitoring Investigator

Conduct corresponding banking On-line Investigation on suspicious account activity and relationships that appear to be suspicious or unusual for a given business or person.

Using E-Gift EDD system to review and analyze suspicious activity inquiry and making a final SAR decision.

Draft initial SAR, 2nd and 3rd SAR pertaining to continuing suspicious activities.

Assisting and supporting the AML Compliance Officer in his/her role such as statistic collecting – obtain and organize investigation results and evidence.

BANCORP INC/K2 Intelligence, Manhattan, NY – FSG Consultants

01/2015-5/2015 Contract - AML Transaction Monitoring Investigator

Reviewed system generated alerts involving merchant’s complex patterns of transactions within Credit Card Banking in regards to monthly aggregate scenarios, legitimate business scenarios, terrorist financing and narcotics trafficking activities.

Conducted research as required to assess presence of illicit activity, and documented detailed results in written format.

Conducted review on merchant’s transactions to determine if anomalous behavior may actually be suspicious behavior, and if that suspicious behavior should be reported to FinCen.

Conducted EDD searches and requested RFI if additional information was needed, escalated for SARs when the transactional activity was deemed suspicious.

JPMORGAN CHASE BANK, Brooklyn & Manhattan, NY – IPSA International

10/21/2013-7/31/2014 Contract- AML Transaction Monitoring Investigator & SAR Writer

Reviewed alerts, conducted case investigations and made a final SAR decision for two major projects relating to Retail Branch Referral and Foreign Correspondent Banking.

Conduct Transaction Monitoring of accounts derived by branch referrals in detection of standard AML typologies including: excessive cash activity, rapid movement of funds, structuring, layering, intra and interstate activity and cash refinement.

Perform CDD and EDD on customers and non-customers, complete RFIs if additional information is needed and when needed prepare SAR draft for approval and filing.

JP MORGAN CHASE BANK, Brooklyn, NY – Navigant Consulting

05/13/2013-05/31/2013 Contract-AML Transaction Monitoring Investigator & SAR Writer

Perform investigation derived by alerts based on detection of Anti-Money Laundering (AML) typologies including - excessive cash activity, structuring, Layering, rapid movement of funds, large round dollar amount, high risk geographic locations, when needed prepare SAR draft for approval and filing.

Conduct Transaction Monitoring on assigned accounts to assess potential suspicious activity on the account such as money laundering/terrorist financing.

Evaluate accounts and transactions to determine whether suspicious activity involving accounts or transaction at, by, or through the New York Branch was properly identified and reported in accordance with applicable suspicious activity reporting regulations.

Ensure documentation as appropriate to the case is complete.

Provide a written summary and recommendation based on the findings.

Dispositioned and fully documented correspondent banking alerts escalated for further review, including supporting data, analysis and rationale within the case management system.

Review and analyze consumer transaction activity of PEP associated accounts, Branch referrals, and Consumer Due Diligence referrals.

HSBC BANK USA NA- Jersey City NJ & Brooklyn, NY – IPSA Consulting

08/2012-04/2013 Contract - AML Transaction Monitoring Investigator

Conduct business as usual (BAU) investigates, researches, analyzes and evaluates complex account transactions and relationships that appear to be suspicious or unusual for a given business or person by reviewing alerts generated by the PCM and Norkom transaction monitoring system.

Conducted AML monitoring of US dollar wire transfers for HSBC’s correspondent banking accounts maintained by the Global Payments and Cash Management business.

Evaluated transactions, customer relationships and account information for purposes of improving automated detection capabilities and optimizing detection scenario thresholds.

BANK OF IRELAND - CONNECTICUT, N.Y

09/2011-10/2011 Contract-Compliance Specialist

Provide support to the sales team responsible for Latin America institutional and third party distribution.

Assist in preparing presentations, proposals, client portfolio reviews, market and strategies updates.

Assist preparation of market studies, client reports, account opening and closing documentation.

Conduct compliance monitoring checks in conjunction with a monitoring plan.

Document Know Your Customer and Due Diligences activities of Compliance Unit.

CITI GROUP – LONG ISLAND CITY, N.Y

10/2010-7/2011 AML Transaction Monitoring Analyst-Financial Investigations Unit (FIU) Close out Team

Closeout recommendations are reviewed to determine whether termination of a relationship is warranted. This entails, evaluate, analyze and disseminate information and evidence related to accounts against whom two or more SARs has been filed as directed by The Financial Investigations Unit (FIU) of the AML Compliance Department.

Research new and existing accounts of individuals and entities using LexisNexis, Martindale, ACTIMIZE (SAR database), NESS, CitiSmart, Cognos, FCI, Early Warning, various Internet searches; and Execute ad-hoc requests for compliance projects as required.

Conduct AML Transaction Monitoring, Evaluate and Escalate significant KYC/AML issues to senior management for SAR filings. This is done by utilizing the CMT Case Management Tool (e.g. MANTAS), to conduct research, perform analysis and work a case from beginning to completion according to Citi AML procedures and policies.

Perform 314a searches, resolve compliance issues and document rationales for case closure or escalation;

Validate KYC Client Onboarding processes and Enhanced Customer Due Diligence (CDD/EDD) for new and existing accounts in North America, Latin America and Asia; working closely with Citi’s Global Financial Centers within deadlines.

EVERBANK – ISLANDIA, N.Y.

7/2010-10/2010 Permanent- Risk Management

Evaluate and assess applications for creditworthiness, risks and/or losses to minimize risk and losses to the institution.

Evaluate applications and accounts for possible fraud, credit risk, loss exposure and credit issues.

Review customer/business identification information against the available risk tools e.g., Dun & Bradstreet, State Web Sites, Credit Reports, Metro Net Check Point and various other validation systems and tools.

Review applications to ensure that proper product and title selection has been made by Applicant/New Account Department.

Monitor Over-draft, Delinquency and various high risk reports.

Implement and enforce procedural changes.

AMERIPRISE FINANCIAL – SOUTH MINNEAPOLIS, MN.

10/2009-12/2009 Contract- Anti Money Laundering Financial Research Consultant

• Based on Internet findings, make a final determination on the activity in question. This entails, collect, evaluate, analyze and disseminate information and evidence related to the transactions.

• Conduct customer due diligence to determine if the information located on the individual/suspect is relevant to the compliance department and if/or the alerted individuals are the same as Customer/Clients

• Make initial determination whether or not the case should be the subject of a SAR.

ISRAEL DISCOUNT BANK – IDB, NEW YORK, N.Y. (Two Assignments)

3/2008-12/2008 Contract - (KYC) Quality Control Specialist 4/2007-5/2007 SAR (Suspicious Activity Report) Writer

Investigate suspicious activity, prepare initial report, detailing findings, and making recommendations as to proposed changes for issue to Account Officer, Senior Management and Compliance Officer.

Implementing recommendations and Tracking the recommendations to implementation.

Identifying weakness or gaps in internal procedures or controls within the business units and proposing practical solutions or improvements.

Provide (second level review) the work undertaken by the Case Analyst.

Prepare SARs - extract factual information from the MOF (Memorandum of Facts) document, and utilizing public identity and ownership documents (KYC) Know Your Customer information to prepare a SAR.

ANTI MONEY LAUNDERING FINANCIAL RESEARCH CONSULTANT:

METROPOLITAN BANK – NEW YORK, N.Y 06/2007-08/2007

• Evaluate and Analyze accounts and transactions to determine whether suspicious activity involving accounts or transaction at, by, or through the New York Branch was properly identified and reported in accordance with applicable suspicious activity reporting regulations.

• Evaluate transactional or customer relationships that have been identified by various alert generating tools for further review.

• Provide a written analysis based on the Internet findings, and make a final determination on the activity in question. This entails, collect, evaluate, analyze and disseminate information and evidence related to known or suspected money laundering or terrorism financing related transactions.

• Prepare comprehensive reports to be filed with appropriate U.S. Government Agencies.

• Ensure SAR documentation or confirmation of no SAR determination, as appropriate to the case, has been completed.

• Prepare SAR (Suspicious Activity Report) -Utilizing factual information from the Memo of Fact document to draft a SAR.

UNION BANK OF SWITZERLAND– UBS NEW YORK, N.Y 11/2006-2/2007

• Analyze the circumstances surrounding the case and the transaction and data within the case to lever required within the investigation protocol. Complete a case investigation in accordance with the standards set out in the procedures manual, including the use of internet and electronic search tools.

• Ensure that all steps of the case review, analysis and investigated, as well as any results of searches and information collection are appropriately documented within the project database.

• Prepare a memorandum of facts for the case, including an Executive Summary of the salient points.

• Make initial determination whether or not the case should be the subject of a SAR

DEUTSCHE BANK – NEW YORK, N.Y. (Two Assignments)

Trade Finance Specialist - Client Adoption Management (CAM) Department 09/2006-11/2006

Anti-Money Laundering Financial Research Consultant 03/2006-9/2006

• Obtain public identity and ownership documents.

• Complete sanction checks and reputational searches.

• Compile the client file, store it electronically and record the review.

• Summarize material negative results, escalate to compliance and document compliance response.

• Record and review updates to client files electronically.

• Consultant on Anti-Money Laundering (AML), Bank Secrecy Act (BSA) and Know Your Customer (KYC) compliance project for over 15,000 client accounts

• One of select group of consultants specially chosen to work in all three departments: Surveillance and Research; KYC Field Inquiry Preparation; and Suspicious Activity Report Drafting

• Evaluate and Analyze accounts and transactions to determine whether suspicious activity involving accounts or transaction at, by, or through the New York Branch was properly identified and reported in accordance with applicable suspicious activity reporting regulations.

• Evaluate transactional or customer relationships that have been identified by various alert generating tools for further review.

• Provide a written analysis based on the Internet findings, and make a final determination on the activity in question. This entails, collect, evaluate, analyze and disseminate information and evidence related to known or suspected money laundering or terrorism financing related transactions.

UNION BANK OF CALIFORNIA INTERNATIONAL–NEW YORK, N.Y 09/2005-02/2006

Evaluate and Analyze accounts and transactions to determine whether suspicious activity involving accounts or transactions at, by, or through the New York Branch was properly identified and reported in accordance with applicable suspicious activity reporting regulations

• Evaluate transactional or customer relationships that have been identified by various alert generating tools for further review

• Provide a written analysis based on the Internet findings, and make a final determination on the activity in question. This entails, collect, evaluate, analyze and disseminate information and evidence related to known or suspected money laundering or terrorism financing related transactions.

• Prepare comprehensive reports to be filed with appropriate U.S. Government Agencies.

• Establish and maintain effective liaison and communication with law enforcement, international and domestic business partners and judicial entities to enhance resolution efforts.

STANDARD CHARTERED BANK – NEW JERSEY 03/2005-9/2005

Evaluate accounts and transactions to determine whether suspicious activity involving accounts or transaction at, by, or through the New York Branch was properly identified and reported in accordance with applicable suspicious activity reporting regulations.

Evaluate transactional or customer relationships that have been identified by various alert generating tools for further review.

Ensure documentation as appropriate to the case is complete.

Provide a written summary and recommendation based on the findings.]

Prepare memorandum of fact to be filed with oversight committee and relevant U.S. Government Agency.

FUNDS TRANSFER INVESTIGATOR:

HARRIS BANK INTERNATIONAL, NEW YORK, N.Y 02/1997-4/2004

ABN AMRO BANK, NEW YORK, N.Y 12/1996-2/1997

STANDARD CHARTERED BANK, NEW YORK, N.Y (Two assignments) 12/1988-9/1995

Researched and developed 30-40 error inquires by customer daily, investigations, processing of payments and comparison of transaction to OFAC sanctions list of compliance.

Utilized intellitracs on a daily basis and accurately adjusted and revalue money transfer operations errors.

Adjusted cases status, researched and resolved all payments, cables SWIFT, TELEXES, wires in error adjustments.

Made payments, verified and releases payments.

Reconciled and balanced customers incoming and outgoing activities on a daily basis.

Monitored the U.S. Treasury’s Office of Foreign Assets (OFAC) “Specially Designated” and “Blocked Persons List” to conduct OFAC compliance.

Liaison with the Office of Foreign Assets (OFAC) to report any system generated blocked or rejected transactions in relation to sanctions countries, terrorist financing and narcotics trafficking activities.

Acted on (OFAC) decision whether or not a wire transfer can be released, rejected, hold for additional information, issue a stop payment etc.,

Liaison with the originator of the wire transfer transaction for additional information as per OFAC request.

Referred all issues to OFAC personnel for further review.

STANDARD CHARTERED BANK, N.Y. (Second assignment)

Client Service Representative/Backup Money Position Desk

Monitored the Company’s daily money position due from bank relationships.

Monitored incoming and outgoing positions with CHIPS and FEDS.

Calculated and reported daily and bi-weekly Federal Reserve Requirements by Monitoring and Settling Bank Positions with dealers.

Ensured on a daily basis bank’s Fed Balance was not overdrawn in compliance with Federal Reserve balance reporting requirements.

EDUCATION

High School Diploma, Christ Church Secondary School, Guyana South America

GCE (General Certificate of Education Examination 1976/1977-English, Arts), Guyana, SA-Graded by the University of London, England

Rapid Commercial School 1978/1979, Guyana SA-English, Typing, Shorthand-Graded by Pitman Examination Institute, England

NCR Course-Posting Payroll Entries 1979-Pitmanites’ Commercial Institute, Guyana South America

IBM Accounting Course 1980 - Pitmanites’ Commercial Institute, Guyana South America

TRAINING

Anti- Money Laundering and Bank Secrecy Act Training

CMT- Case Management Tool Applications

EMC Business Enterprise - New York, NY- Diploma, Customer Service

SKILLS: Excellent computer skills, excellent knowledge of BAM, 4/SIGHT, Jack Henry, Senergy, Gifts (FIS/FAE) Test Environment, Bank Watch (OFAC Tool), Bank Way (CFSB Core System), Transferwise, InDuro Case Management System, (PAG - Payment Acceptance Group Investigation Database, E-Gift EDD, Norkom, Fortent, Halo, LiveLink, (PA) Portfolio Analyzer, Sonar, I-Vault, One View, LexisNexis, Actimize, World Check, World Compliance, West Law, Ad-Hoc Query, FastData, Pacer, Factiva, Cola, Citrix, RDC, PCR, Fiserv, Midas, Infotracs, Intellitracs, Ness, Citismart,Words, Lotus Notes, MS-Windows, Excel.

Contact this candidate