***-** ***** ******

St. Albans, NY *****

BYRON RAMOS

Contact: 917-***-****

Email: ac6bg5@r.postjobfree.com

Profile Synopsis

Result focused, detail oriented, and analytically inclined legal, KYC and compliance professional, offering various years of progressive experience in the insurance support and money laundering field, in diverse capacities as analyst. Solid ability to professionally support company’s compliance efforts with federal and state disclosure reporting requirements & obligations.

Proficiency in investigating, evaluating, and resolving compliance/ KYC issues and concerns.

Effectively uses an empowering, participatory management style that breeds accountability, teamwork, and continuous improvement.

Oversight over onboarding activity to provide expert advice on AML/KYC, perform reviews of AML/KYC

Knowledge management for KYC policy, procedures, and training material updates and changes, train on-boarding

Areas Of Expertise

Project & Case Management Windows Lexis Nexis/Westlaw Claims Insurance G4S Fraud Certification West Law

Bank Secrecy Act and FINCEN policy Advanced MS Office Suite Asset Forfeiture Policies and Procedures

Professional Work History

KYC ANALYST (Consultant) JPMORGAN CHASE & CO NOV 2017 - PRESENT

Conduct client & business investigation and look for suspicious activity pertaining for case proceedings. Peform researching the facts of the case as well as identifying the appropriate laws, judicial decisions, and legal articles relevant to the case.

Conduct comprehensive enhanced due diligence reviews of both new and existing clients including analyzing corporate structures and other documentation as necessary.

Support a KYC officer and pipeline of work as well as performing CDD and EDD in various segments such as large Resl Estate, joint ventures, SPV, Private Equity Funds, Insurance Companies, and Institutional Trust.

Document EDD review findings including all pertinent facts and information to support result.

Support and assist in identifying all financial crime trends and convey them to colleagues within Fraud Detection, AML Investigators and (FIU) Financial Intelligence Unit.

Identify any inconsistencies and or red flags evident in the file and work with appropriate stakeholders to resolve.

Conduct (EDD) enhanced due diligence investigations in support of policies and procedures.

Ensure KYC forms are prepared accurately and in accordance with Americas Financial Crimes Compliance policies and procedures

Perform required KYC screenings on customers documenting all information obtained on client, as required by KYC procedures.

Complete analysis of transactional information to identify risk, trends and potential wary activity.

Effectively conduct AML /KYC formality reports on questionable accounts and transactions.

Write customer narratives summarizing the customers strategic profiles, including its relationship and activity with the Bank;

Evaluate whether the client is a politically exposed person (PEP Search), subject of negative press (Negative Press Search), subject to government sanctions or internal restrictions (Security Search), or has been the subject of any negative compliance-related.

AML ANALYST HUDSON INSURANCE COMPANY AUG 2015 – NOV 2017

Conduct client & business investigation and look for suspicious activity pertaining for case proceedings. Peform researching the facts of the case as well as identifying the appropriate laws, judicial decisions, and legal articles relevant to the case.

Collect and document data, including alerts, investigation ; KYC information; relevant account and transaction data, plus any other required information to assist the investigation.

Support and assist in identifying all financial crime trends and convey them to colleagues within Fraud Detection, AML Investigators and (FIU) Financial Intelligence Unit.

Conduct (EDD) enhanced due diligence investigations in support of policies and procedures.

Perform required KYC screenings on customers documenting all information obtained on client, as required by KYC procedures.

Complete analysis of transactional information to identify risk, trends and potential wary activity.

Effectively conduct AML /KYC formality reports on questionable accounts and transactions.

Escalate negative news findings to staff for investigation.

Conduct research of prospective and current clients, escalating and presenting findings Senior Management for risk decisioning.

Compile and analyzes facts to formulate, substantiate and/or critique various damage theories, claims or conclusions.

Provide concise weekly case updates, monthly report input and quarterly intelligence briefings profiling key risks at all levels of FIU programs for upper level management.

COMPLIANCE ANALYST INTEGREON (MORGAN STANLEY) NEW YORK,NY JUNE 2015-AUGUST 2015

Review various client documents, conduct enhanced due diligence reviews on prospective clients (PEPs, FFIs, PHCs) or transactions that involve individuals or entities that are organized, regulated or located in high risk jurisdictions. corroborate beneficial owners and sources of wealth.

Constant review and updating of KYC requirements and applying appropriate tenets to client projects

Reviewed various client documents, conducted enhanced due diligence reviews on prospective clients (PEPs, FFIs, PHCs) or transactions that involved individuals or entities that were organized, regulated or located in high risk jurisdictions.

Provided support for Negative News Screening (NNS) process for current and new clients. Conducted research, escalated and presented findings to Bank Senior Management for risk decisioning, and coordinating with the Second Line of Defense Bank AML Compliance and Wealth Management AML Compliance teams to off-board clients.

Provided support of the Bank’s BSA/AML Client Due Diligence (CDD), and Enhanced Due Diligence (EDD), processes for the First Line Unit.

Identified Politically Exposed Persons (PEPs) and Public Figures based on guidelines provided by Global Compliance.

Completed client enhanced due diligence review forms including information such as corporate registry information, client ownership, PEPs, activity in sanctioned countries.

Reviewed account documentation for accuracy, alerted senior staff if identification appeared to be fraudulent or suspicious.

Assisted in the coordination of the Bank’s Review process to ensure continued knowledge of Bank’s client base, expected and actual activities, and any material changes to client information.

Conducted client & business investigation and look for suspicious activity pertaining for case proceedings.

Performed researching the facts of the case as well as identifying the appropriate laws, judicial decisions, and legal articles relevant to the case.

Reviewed KYC documentation and due diligence research for existing clients and verified through searched via public available information WestLaw and LexisNexis.

KYC ANALYST QUEENS BANKERS EQUITABLE, NEW YORK, NY NOV 2007- DEC 2014

Identified, monitored, and updated client information in various systems. Supported and assisted in identifying all financial crime trends and convey them to colleagues within Fraud Detection, AML Investigators and Financial Intelligence Unit.

Conduct investigation using global standard policies, procedures and tools, aimed at meeting internal and external regulatory requirements.

Collect and document data, including alerts, investigation, SAR history; KYC information; relevant account and transaction data, plus any other required information to assist the investigation.

Independently conduct searches, gather data and record evidence from internal and external systems and commercial databases.

Follow up and track all documents required to satisfy new client account requirements.

In parallel assess and analyze research results and conduct complex data analysis applying background knowledge and experience.

Conduct enhanced due diligence investigations in support of policies and procedures.

Review financial transactions, investigated associated parties and communicated current standings with compliance, legal and our fraud unit.

Education

john jay college– New York, NY

Languages

Bi lingual – spanish and English

References Available Upon Request

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