Miguel A. Guerrero
Anti-Money Laundering Financial Analyst
In-depth experience in research and investigation of money-laundering trails, counterterrorism, narcotics and human trafficking threats. Thorough knowledge of resources and regulations for compliance, and protocols for documentation and reporting. Adept at using software applications and databases for recording. Expertise in an international arena; bilingual in Spanish and English.
Capital One Bank, Plano Texas
Financial Intelligence Unit
Anti-Money Laundering Investigator II
05/2018 to Present
Retail Banking, KYC/CDD/EDD/ Onboarding understanding.
Work effectively with multiple complex data sources and/or technical analytical tools/resources to identify potentially unusual or suspicious activity as defined by AML/BSA regulations, and industry best practices for AML/BSA analysis. Analyze, evaluate data and identify effective mitigation strategies in information that results in a thorough investigative effort. Categorize, review and mitigate (or escalate) Alerts based on prior Alerts and Suspicious Activity Reports (SARs). Identify potential suspicious activity, including those generated from alert detection processes. Assess and promote Alerts for further investigation (SARs). Assist in originating, implementing, and maintaining the Bank's AML Program to ensure conformity and adherence with all applicable state and federal laws and regulations. Prepare and track 314(a) and 314(b) requests and Request for Information (RFI) and internal Branch Correspondence. Gather and preserve detailed and sensitive information to support ML concerns assessment. Maintain a proficient knowledge of rules and regulations, including but not limited to, Bank Secrecy Act (BSA) and Anti-Money Laundering (AML).
US Navy Reserves, San Antonio, TX
Security Department Lead Petty Officer, 01/2018-05/2018
Provided security brief in Area of the Responsibility (Bahrain) on current terrorist threats. Delivered Leadership training to all members of the Bahrain Unit. Attended Annual Training in support of Naval Support Activities (US 5th Fleet) in The Kingdom of Bahrain. Provide guidance and naval training to junior sailors.
AllSec Technologies, Irving Texas
Standard Chartered Bank
Anti-Money Laundering Financial Analyst, 6/2016-12/2017
KYC (Know Your Customer) AML (Anti-Money Laundering) experience, with an emphasis on (CDD) Customer Due Diligence and (EDD) Enhanced Due Diligence.
Prioritized tasks and utilized multiple techniques, platforms and references to identify potential money laundering, terrorist, and narcotrafficking financing in global operations. Validated scenarios and methodical alerts in worldwide financial operations. Analyzed, escalated and documented potential money laundering accounts originating in Latin America, Africa, Europe, and the Middle East. Assessed, mitigated and red flagged Suspicious Activity Reports (SAR) and established direct communication with other analysts and SAR department to resolve identified red flags. Reviewed secure documents, interrogatories, and discovery responses; Counterterrorism Financial Investigations, request for information (RFI) from worldwide bank branches and agencies, Bank Secrecy Act, USA Patriot Act, Office of Foreign Assets Control (OFAC), laws and regulations, policies, and best practices. Managed the SAR evidence and collection of information process required for appropriate reporting (SAR/State requirements) for further investigation. Researched bank systems, open sources, and databases during investigations. Maintained database and documented all research in the case management system. Contacted global bank counterparties for RFI (Request for Information) on entities and individuals’ information accounts.
Collaborated with plans and organization for the collection and processing of all related information and documentation required to build and maintain a comprehensive AML/KYC (Know Your Customer) profile. Through (CDD) Customer Due Diligence, conducted extensive database and open web research, to uncover glaring red flags that may preclude the need to further pursue the financial activities. Assessed the extent to which the customer exposes it to a range of risks in money laundering and terrorist financing. Supported Foreign Correspondent Banking on other KYC due to diligence activities, including identification, analysis, mitigation and red flagged in PEPs and Negative Media disposition requests. Served as a central point of contact throughout the AML/KYC process; and KYC Platform subject matter.
Reviewed over 1,200 high and low-risk cases to identify money laundering patterns, examined amounts totaling $45B.
Language Service Associates (LSA), San Antonio, Texas
Spanish Linguist, (on call) 10/2015–7/2016
Served as translator/interpreter for minors from immigration detention centers and Spanish speaking patients and families in medical and rehabilitation centers.
U.S Africom/U.S. Navy, Stuttgart, Germany
Intelligence Analyst, 5/2014-9/2015
Supported the Department of Defense (DoD), the Information Review Task Force-2, and the Intelligence Community (IC) in safeguarding classified information.
Identified, analyzed and audited the impact to the Department of Defense of the “most significant compromise” of classified information in U.S. history.
Completed specialized training for the IRTF-2 responsibilities.
BAE Systems Corp., DIA, DCTC, San Antonio, Texas
Financial Threat Network Intelligence Analyst I, 7/2013-5/2014
Researched and analyzed counter-terrorism, counter-threat finance, and counter-narcotics missions to identify individuals and entities involved in money laundering and narco-terrorism activities. Produced network maps, route analysis, and written assessments for DoD and the Defense Intelligence Agency (DIA) and other intelligence and government agencies to exploit financial, material, and logistical support to criminal and terror organizations.
Valbin Corp, Ft. Sam Houston, Texas
Spanish Linguist CAT III, 7/2012-7/2013
Provided real-time intelligence reports covering call-chains, digital networks, client technology and systems, military, and social network analysis. Documented summaries and English translations. Integrated SIGNIT in support of counter-terrorism and money laundering targets.
Mission Essential Personnel, San Antonio, Texas
Spanish Linguist CAT III, 12/2011-3/2012
Analyzed electronic media; processed seized documents and media. Provided linguistic support to HUMINT and to military intelligence in Document and Media Exploitation (DOMEX), deployable HARMONY DOCEX suite (DHDS) and the Dirty to Clean (D2C). Provided strategic and tactical support to units and law enforcement entities in SOUTHCOM and ARSOUTH. Transcribed Spanish documents include intelligence information reports.
AEROTEK, San Antonio, Texas
Spanish Linguist, 12/2011-3/2012
Translated assistance requests/Federal Emergency Management Agency (FEMA) requirements for disaster victims from Hurricane Irene and Tropical Storm Maria in Puerto Rico and the US. Provided Spanish versions of documents about housing rental assistance and personal property damages. Answered questions from Spanish speakers, forward complaints and kudos to FEMA officials. Translated FEMA’s survey into Spanish, and the comments back into English.
U.S. Department of Treasury (IRS), Austin, Texas
IRS Clerk, 3/2010-6/2011
Validated taxpayers’ ownership. Ensured that all taxpayers’ profiles were kept up to date in line with policy and procedures. Updated revenue inventory in a database. Coordinated communication with applicable parties, Relationship Manager, deal team and Business Leads concerning the project status and issues.
Sent daily 150+ letters to taxpayers requesting tax documentation.
Customs Border Clearance Agent, Kuwait, 10/2008-8/2009
Examined carriers to exclude illegal agricultural, animal, and vegetal items were not illicitly transported into the country. Screened DoD personnel, civilian contractors, military vehicles, and military shipments. Prevented unauthorized personnel entry into government-controlled sites. Managed quality control reports on U.S. Contractors and military cargo.
Served as team leader for PAX / Alpha Company (FORWARD INDIA).
Education and Credentials
Master’s Degree in Intelligence Studies / Concentration in Homeland Security. American Military University, Dec 2017
Bachelor’s Degree - Intelligence Analysis. American Military University, 2013
President’s List AMU 2011
Associate Degree - International Trade. Waukesha County Technical College, 1992
US Navy Reserve 2003 - Present
Graduate Certificate in Terrorism Studies - American Military University, 2015
Undergraduate Certificate in Security and Intelligence - Embry-Riddle Aeronautical University, 2010
Honor Roll Student ERAU 2010
Honor Roll Student ERAU 2009
AML Investigator Academy Capital One Vol. I-VII
TEEX Leadership Development Symposium
Trojan Data Network NEXTgen
Business Logistics Management
Vessel and Company Security Officer
International Business Etiquette
Legal Aspects of Exporting
Export from Start-Up To finance
How to Clear Customs and Reduce Duty
Alternative Sources and Solution of Commercial Controversies
Diplomado en Negocios Internacionales (MEXICO)
Legislation en el Comercio Internacional (MEXICO)
Charter Member of the National Language Service Corp (http://www.nlscorps.org/)
West Virginia Iota Chapter of Pi Gamma Mu
The National Honor Society for Social Science
Alumni Chapter of The Golden Key International Honor Society
National Geographic Society
Microsoft Office iCAN Acquire EMP Actimize Case Management Imagesoft Host IRIS ECM / Mantas LexisNexis ACCUITY DETICA ORACLE PALANTIR DOMEX HomeBase Arc View ANB* Google Earth TAC HOTR TIDE/CURRENT CIA Wire Non-attribution OSINT Analyst Notebook 6 QLIX INTELINK JWICS J2 Outlook and SharePoint