AML/BSA Analyst
Resume:
TIFFANY EUBANKS
Email: acs1ns@r.postjobfree.com
PROFESSIONAL SUMMARY
AML Compliance professional with exceptional experience in BSA, KYC, OFAC and US Patriot Act.
PROFESSIONAL EXPERIENCE
Robert Half Legal 5/2015-01/2016 New Albany, OH
AML Analyst (Discover Financial)
Review and analyze alerts from automated AML monitoring systems (Actmize)
Research and analyze cases escalated from other teams to determine if activity is suspicious
Determine if transactions are reportable and ensure timely and accurate filing of relevant reports such as CTRs
Making recommendations related to the reporting of suspicious activity through SAR to FinCEN.
Conducting EDD/CDD, transaction activity reviews, and negative media searches and documenting findings in accordance with approved policies and procedure
Independently researching internal and external source systems to determine whether activity appears usual and expected for specific customers/accounts.
Leveraging additional external resources available for investigative purposes, including bank personnel contact, direct client contact, 314(b) information sharing requests.
Ensuring accounts and/or customers are referred to the Bank’s SAR team appropriately in situations where the Investigator is recommending a SAR be filed
Communicating clearly, both written and verbally, with individuals in and outside of Discover (e.g. fraud teams, collections teams, individuals at other Financial Institutions, etc.)
ARG Financial Recruiting 5/2014-03/2015 Plano, TX
Compliance Analyst II (Client; USAA)
Responsible for performing suspicious activity monitoring to identify customers which pose a risk for money laundering and terrorist financing.
Compiles evidence and documentation in compliance with BSA/AML regulatory standards while conducting investigations on high risk customers which possibly lead to the preparation of Suspicious Activity Reports (SAR).
Disposition and fully document all alerts, including supporting data, analysis and rational within case management system.
Investigated possible fraud and lending Risk for All Regz: Mortgage Compliance, HMDA, TILA, Fair Lending, Flood Mapping and Respa
Analyze and research bank transactions to determine existence of fraud, money laundering, and terrorist financing.
Proven abilities in performing Customer Due Diligence
Conduct financial investigations and Enhanced Due Diligence (EDD) to mitigate regulatory, reputational and compliance risk pertaining to client onboarding for Senior Public Figures (SPF) and Correspondent banking entities.
Audit Fraud loans to ensure they are not HMDA Reportable
TRELIANT RISK ADVISORS 11/2013-05/2014 Richardson, TX
AML Analyst
Conduct scope project audits ensuring transaction activity is effectively monitored and that suspicious activity is appropriately investigated evaluated documented and addressed.
Identify excessive risk, fraud, and misrepresentations as it relates to Customer Due Diligence and Enhanced Due Diligence.
Ensure decisions not to file a SAR are well supported and documented.
Ensure compliance with federal information sharing requests and regulations including Grand jury subpoenas asset seizure orders search warrants National Security Letters and USAPA 314(a) and (b) requests.
Maintain strong working knowledge in the use of AML risk mitigation tools, such as automated transaction monitoring systems, due diligence research, and web-based investigation techniques
Prepare detailed investigation reports that logically outline investigative steps taken, research completed, and case disposition recommendations. Utilizing knowledge of BSA/AML laws and regulations; review suspicious transactions and escalating to SAR filing.
Knowledge of relevant regulations including BSA, AML, Patriot ACT and OFAC
AEROTEK, 02/2012- 08/ 2013 Dallas, Texas
Compliance Analyst (Client: Bank of America)
Review loan formats, verify loan programs are correct, recalculate income, pass or fail underwritten loans and return to U/W for corrections.
Review HMDA, ECOA and SAFE Act requirements
Identifies excessive risk, fraud or reviews misrepresentation in a mortgage loan transaction.
Provides analytical and administrative support within an internal control environment
Knowledge of operating policies and procedures, works with internal customers to establish and perform quality control, and assists with analysis and development of recommendations
Underwrite wholesale and retail residential loans; documents include: the preliminary credit package-credit report, income, assets, appraisal, and title work
Work efficiently with database and imaging systems in a paperless environment, Review and analyze tax transcripts; utilize fraud tools, Run and interpret DU correctly
Implement changing overlays; approve only high-quality loans that meet investor, FNMA, and FHA guidelines
Resolve problems; know when to request additional information to make a complete decision, Proactively communicate to customers and business partners on a timely basis loan decisions and underwriting guidelines
Due Diligence on compliance reviews conducted reviews on TIL Disclosures, RESPA, 3 day right of recession, Hud-1, Section 32 and Disclosures requirement, credit files, review compliance ease and evaluate loan packages, Reviewed appraisals, title commitments and incoming documentation to render a loan approval.
Conduct investigations of national and international customer accounts to identify and prevent money laundering, structuring, and/or terrorist financing, applying the Bank Secrecy Act and USA PATRIOT Act.
Preparing and submitting timely and accurate Suspicious Activity Reports (SARs).
Work closely with the Internal Audit Department to update the organization about current AML-related industry standards, policies, procedures, and practices.
JP Morgan Chase (08/09- 02/12)
Compliance Underwriter
In-depth knowledge and understanding of reports and spread sheets that capture real time data.
Review and evaluate the GFE and HUD1 for accuracy.
Examine Flood determination and FEMA evaluation
In-depth knowledge and understanding of transaction components that indicate a potential for fraud.
Constant communication with all involved parties via e-mail, phone calls, and/or face to face consultation in order to exhibit excellent customer service
Record loan denial specifying investor and institution guidelines and basis for declining application in accordance with investor/state/federal regulations.
EDUCATION
Property Adjusting Academy, LLC (2014) Texas All Lines Adjuster License
Ashford University (2014) Business Administration Bachelor Program
ACAMS (2014) Member#100*******
References furnished upon request.
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