JAMES AVERY

804-***-****

ac7dn0@r.postjobfree.com

PROFESSIONAL EXPERIENCE

CAPITAL ONE-PLANO, TX

AML SR. INVESTIGATOR CREDIT CARD FRAUD

AUGUST 2018-CURRENT

•Supports various AML processes, which might include suspicious activity investigations, currency transaction reporting, global sanctions screening, enhanced due diligence or other AML processes.

• Review system generated alerts, assess impact to AML processes, conduct research as required, and document results in written format.

•Write suspicious activity reports, file CTR’s, address sanctions alerts, and other applicable AML processes in accordance with regulations and time limitations.

• Provide feedback on alert rule effectiveness and partner with management and analysts to design new rules.

• Provide insight into various commercial banking products and services

BANK OF AMERICA-DALLAS, TX

BUSINESS ANALYST (LEVEL II) CHECK FRAUD

JUNE 2018-AUGUST 2018

• Conducted routine to complex investigations in diversified operations including identifying organized criminal activities, and fraud committed against the Bank by external parties.

• Adhered to all Compliance and Regulatory Requirements. Work with Law Enforcement to pursue prosecutions of fraud suspects.

• Identified effective mitigation strategies, analyzed, evaluated data and information that resulted in a thorough investigative effort.

•Identified control weaknesses and issues and made recommendations to FLU to close process gaps, mitigate risk, and address policy/procedure violations.

CAPITAL ONE-PLANO, TX

AML SR. INVESTIGATOR

MAY 2018-JUNE 2018

Supported various AML processes, including suspicious activity investigations, currency transaction reporting, global sanctions screening, enhanced due diligence or other AML processes..

Reviewed system generated alerts, assessing the impact to AML processes, conduct research as required, and document results in written format.

Wrote suspicious activity reports, file CTR’s, addressed sanctions alerts, and other applicable AML processes in accordance with regulations and time limitations.

Provided feedback on alert rule effectiveness and partnered with management and analysts to design new rules.

Provided insight into various commercial banking products and services.

CITIBANK-IRVING, TX

AML COMPLIANCE ANALYST

AUGUST 2017-MARCH 2018

• Investigated cases and mitigated risk to bank on KYC remediation project by conducting due diligence research and negative news screenings on high risk retail customers, credit card holders, and businesses

• Completed transactional analysis over an 18-month account look-back review period to detect unusual and suspicious activity across multiple typologies involving high risk geography wires, online gambling, structuring, and rapid movement of funds associated with domestic and international transactions across various banking products.

Investigated potentially suspicious activity escalated by the alert adjudication unit, makes risk-based recommendations, SAR recommendations and prepares suspicious activity reports (SARs).

• Work with AML investigations team to execute investigations based on client on-boarding, maintenance, transaction monitoring referrals, government sources and referrals from business partners and other control areas.

• Evaluate bank alerts for potential AML risk factors such as money laundering, structuring activity, rapid movement of funds, unknown source of funds and unknown relationship to alerted customer and document due diligence research.

CITIBANK-FORT MILL, SC

AML ANALYST

MARCH 2017-JULY 2017

• Work with AML Investigations team to execute investigations based on client on-boarding, maintenance, transaction monitoring referrals, government sources and referrals from business partners and other control areas.

• Evaluate bank alerts for potential AML risk factors such as money laundering, structuring activity, rapid movement of funds, unknown source of funds and unknown relationship to alerted customer and document due diligence research.

• Prepare case files for review (internal and external negative media search results, copies of statements/check/wire documentation, results from internal system searches, etc.) to determine if additional review is needed and to determine next steps (SAR, relationship retention or termination).

BANK OF HOPE/BBCN BANK-LOS ANGELES, CA

BSA ANALYST

SEPTEMBER 2016-FEBRUARY 2017

• Perform day to day implementation of Bank’s BSA review, investigation, account identification, reporting and monitoring program for unusual and suspicious account activity.

• Review and analyze all the appropriate SAR monitoring reports to identify unusual/suspicious account activity for Suspicious Activity Reports (SARs).

• Conduct research on specific unusual/suspicious account activity detected by BSA Officer/BSA Operations Manager/Team Leader to determine whether or not a SAR is warranted.

• Using SAR Manager Program, prepare and complete SARs on a daily basis.

SIGHTSPAN, INC. -MOORESVILLE, NC

AML ANALYST

AUGUST 2016-SEPTEMBER 2016

• Perform thorough analysis of alerted transactions exceeding risk thresholds pertaining to red flags parameters such as excessive gift card purchases and suspicious purchase activity.

• Research negative media outlets to determine if alerting customer has historically been involved in similar activity.

• Review alerting transactions to determine if escalation to case and a filing of a Suspicious Activity Report (SAR) is required.

BMO HARRIS BANK-MILWAUKEE, WI

AML INVESTIGATOR NOVEMBER 2014-JUNE 2016

•Conduct suspicious activity monitoring and identify customers for potential AML risk factors such as money laundering and terrorist financing activities and document findings from due diligence research.

•Assist in Suspicious Activity Reporting (SAR) and high risk customer investigations in Capital Markets and Trade Finance, as well as transportation financing and correspondent banking.

•Perform due diligence searches on institutional clients and individuals using various databases such as BMO Harris Bank Proprietary Systems, KYC Database, Oracle Mantas and Google.

•Research negative media outlets to determine if alerting customer has historically been involved in similar activity.

•Perform Alert Adjudication through analysis of system generated and manually created alerts for potential suspicious activity to insure the accurate filing of SARs.

•Escalate potentially suspicious activity and high risk customers for further review.

•Perform Quality Control (QC) review of completed alerts.

JPMORGAN CHASE – WESTERVILLE, OH

AML INVESTIGATOR

MAY 2014 – OCTOBER 2014

•Evaluate bank alerts for potential AML risk factors such as money laundering and terrorist financing activities and document findings from due diligence research.

•Handle detailed AML transaction analysis and investigation of customer transactions and accounts in various lines of business including broker-dealers, prime brokerages, hedge funds, financial institutions, high net worth individuals, trust and retirement accounts

•Research negative media outlets to determine if alerting customer has historically been involved in similar activity.

•Review alerting transactions to determine if escalation to case and a filing of a Suspicious Activity Report (SAR) is required.

SUNTRUST MORTGAGE – RICHMOND, VA

DUE DILIGENCE ANALYST/CLAIMS LOSS QUALITY ASSURANCE

JULY 2013 – MAY 2014

•Manage a caseload of investigations to completion according to approved procedures and process. Perform daily review and disposition of alerted customer activity and activity reported to the unit by other business lines.

•Analyze complex financial transactions and evaluate suspicious account activity. Work with Legal, Corporate Security, Compliance and other groups within PL &L to recover bank losses

•Compose summary SAR (suspicious activity report) and recommendation of all findings on suspicious transactions.

•Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) investigations to gather information using internal and external systems, databases and other resources. Assist with maintenance of departmental policies and procedures

LIBERTY TAX SERVICE – RICHMOND, VA

TAX PREPARER

January 2013 – June 2016

•Prepare tax returns for individuals filing state and federal income taxes and review previous years' tax returns for clients to find additional tax saving opportunities.

•Check and review tax returns prepared by other tax preparers to verify the accuracy of the returns for clients.

•Responsible for opening and closing tax office.

AMERIPRISE FINANCIAL SERVICES – MECHANICSVILLE, VA

Financial Advisor (1983-2012), District Manager (1988-2005), Training Manager (1987-1988)

•Established client base for financial planning practice in Harrisonburg, VA from 1983 through 1985, in Richmond, VA from 1985 through 2006, and in Mechanicsville, VA from 2006 through 2012.

•Established a client base of over 200 clients, managing over $15,000,000 in client assets. Helped clients develop written financial plans for retirement, education planning strategies, retirement plan distributions, investment planning, estate planning, tax management strategies and protection planning strategies.

•Responsible for annual KYC review for each client. Responsible for confirming and updating KYC information for individual clients as a part of ongoing due diligence review and investigation.

•Responsible for hiring and maintaining staff associated with managing client base.

•Manage both veteran and new advisors for 4 years. Responsible for recruiting, hiring and training classes for all new advisors for last 3 years.

•Participated in annual compliance reviews to develop best practices for written financial planning analysis

•Responsible for timely, accurate and effective alert dispositions associated with all servicer accounts, products or services. The daily work effort was focused on mitigating money laundering risks with home office and Ameriprise clients from illicit activities.

EDUCATION

Bridgewater College – Bridgewater, VA

Bachelor of Science Business Administration; August 1982

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