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Information Project

Location:
Sacramento, California, United States
Posted:
October 24, 2016

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Resume:

JULIUS WILCOX

Email: acw7ml@r.postjobfree.com

Cell Phone: 813-***-****

EXPERIENCE

Agreeya Consulting

Rabobank, Sacramento, Ca 09/2015 - 11/2016

Senior Project Investigator

Reviewing and analyzing OFAC inquiries and potential hits

Updating OFAC hit log and daily OFAC outstanding items log as needed

Processing daily OFAC, AML, HMT and legal transactions against required lists ensuring that all transactions are in compliance with OFAC regulations and AML policies

Clearing OFAC Alerts in addition to General Alert Clearing

Providing knowledge and expertise to other associates within the group and other business units

Researched, wrote, and reviewed Suspicious Activity Reports on a daily basis while ensuring compliance with federal regulations.

Performed Enhanced Due Diligence on customers deemed high risk, and suggested account restrictions and/or account closures based on risk to the institution.

Analyzed potential Office of Foreign Assets Control (OFAC) hits to ensure transactions were in compliance with United States sanctions.

Worked closely with team members and other financial institutions to fulfill 314(b) of the USA Patriot Act Sharing of Information requests.

Provided training on Bank Secrecy Act and Anti-Money Laundering procedures and systems for new employees.

Systems used on a daily basis included Accuity, Lexis Nexis, Reuters Clear, World check as well as Google negative news strings to confirm identifying data on a person or entity located on the OFAC list.

The Ashlar Group

Royal Bank of Canada, Toronto CA 07/2015 -09/2015

Senior Project Consultant

Day to day management of FCR transaction surveillance for the US.

Support maintenance of Maintaining Regional Watch lists.

Review of commercial retail accounts for annual risk assessments and when appropriate referral of commercial clients to an advisory panel for de-risking.

Liaison with relevant law enforcement authorities and peer institutions in relation to FCR intelligence matters.

Support examination of transactions across region linking up pockets of suspicious activity or intelligence to provide a consolidated/coordinated view of an FCR issue.

Development of proactive country intelligence capability able to predict significant FCR events that may impact the country and ultimately the franchise, research these issues, map the relationship/transactional impact, escalate and report findings ahead of time.

Preparation of country STR filings.

Responsible for the close interaction between the US and Canada TSU teams, ensuring seamless communication and cooperation.

Advantage XPO

Standard Chartered Bank, Newark, NJ 04/2014 - 06/2015 Financial Crime Intelligence Operations Investigator/ Team SME

Reviewing and analyzing OFAC inquiries and potential hits

Updating OFAC hit log and daily OFAC outstanding items log as needed

Processing daily OFAC, AML, HMT and legal transactions against required lists ensuring that all transactions are in compliance with OFAC regulations and AML policies

Clearing OFAC Alerts in addition to General Alert Clearing

Providing knowledge and expertise to other associates within the group and other business units

Researched, wrote, and reviewed Suspicious Activity Reports on a daily basis while ensuring compliance with federal regulations.

Performed Enhanced Due Diligence on customers deemed high risk, and suggested account restrictions and/or account closures based on risk to the institution.

Analyzed potential Office of Foreign Assets Control (OFAC) hits to ensure transactions were in compliance with United States sanctions.

Worked closely with team members and other financial institutions to fulfill 314(b) of the USA Patriot Act Sharing of Information requests.

Provided training on Bank Secrecy Act and Anti-Money Laundering procedures and systems for new employees.

Systems used on a daily basis included Accuity, Lexis Nexis, Reuters Clear, World check as well as Google negative news strings to confirm identifying data on a person or entity located on the OFAC list.

KPMG, Newark, DE

JP Morgan Chase 11/2013 - 04/2014

Senior Transaction Monitoring Investigator

Conducted research, assisted and provided information to support suspicious activity reports

(SAR) and made recommendations.

Clearing OFAC Alerts in addition to General Alert Clearing

Conducted research that utilized internal and external public and private databases to compile a portfolio of information on funds transfer and or check instrument products/transactions.

Monitored and reviewed wire transactional activity of Foreign Correspondent Banks (FCB) and made recommendation for further review of closure.

Strong understanding of Anti- Money Laundering/Bank Secrecy Act requirements, particularly FCB and Money Service Businesses (MSB).

Infosys BPO, Bentonville, AR

American Express MoneyGram 10/2013 - 11/2013

Senior AML Project Investigator

Participate in the development of goals and execution of strategies within the function or department.

Prepare Suspicious Activity Reports (SAR) in compliance with established regulatory guidelines and time frames.

Clearing OFAC Alerts in addition to General Alert Clearing

Conduct periodic internal account/customer reviews to identify potentially suspicious activity.

Complete analysis of transactional information to identify risks, trends and potential suspicious activity.

Perform intake controls to ensure all alerts are logged and assigned in a timely manner

Collect and document data, including alert, investigation, or SAR history; KYC information from Actimize database.

Function as a key contributor with demonstrated knowledge of AML/KYC issues, as well as broader functional knowledge.

R.R. Donelley, Sandy Springs, GA 02/2013 - 09/2013 Senior Project Consultant

Perform a post-close re-underwriting analysis of residential loan files for completeness, accuracy, analyze credit documents, mortgage applications, credit history and income documents, title documents, appraisals and all other applicable required documents to make a determination of compliance with the lender guidelines.

Provide re-calculation of income, recalculation of asset documentation, review of title commitments and policies, and review and analysis of real estate purchase contracts.

Identify significant findings resulting from issues with originator’s underlying application of underwriting guidelines and data discrepancies associated with loan and tape data.

Complete client’s proprietary questionnaire in accordance with training provided by client for each loan transaction and case reviewed.

Perform other related duties and participate in special projects as assigned. Solomon Edwards Group, Charlotte, NC

Bank of America NA 11/2011- 1/2013

Compliance Team Lead

Promontory Financial

Project: OCC consent order for Bank of America.

Supervised Five (5) senior reviewers and Fifty (50) file reviewers.

Coordinated the activities and performance of the team, including overseeing workload

Handled high volume of Judicial Foreclosure cases, initiation through acquisition, under strict timelines

Provided leadership, direction and motivation to the team.

Developed and maintained team training manuals and provide training teamed hires.

Obtained clear instructions from the client/management before disbursing to the team.

Worked with other departments and management to improve file review flow and policies/procedures.

Communicated all changes of the process to the team.

Determined if all required loss mitigation activities were documented in accordance with the requirements of HAMP, proprietary modification and other program requirements.

Reviewed complete files for harm, and provided recommendations as to whether or not any errors, misrepresentations or other deficiencies identified in the review resulted in financial injury to the borrower or the mortgagee.

Reviewed foreclosed loans, evaluated whether or not they were processed in accordance with HAMP, Proprietary Modification or other applicable program guidelines and requirements.

Reviewed and compiled fully documented loan histories, imaged documents and information available from all sources to collectively determine if the documents validated the information used to make the home retention / loss mitigation decision. Robert Half, Denver, CO

Wells Fargo NA

08/2011 - 09/2011

Lead Compliance Analyst / HAMP SME

Promontory Financial – Consulting Services

Project: OCC consent order for Wells Fargo.

Responsible for reviewing foreclosure files to validate accuracy of the fees and/or penalties assessed.

Determined whether or not foreclosures were processed within applicable state and federal laws and that all required procedures were followed.

Determined if borrower suffered financial harm by the bank.

Conducted a complete review of foreclosure files to ensure all default timeframes were processed accurately.

Developed and implemented guidelines and procedures for HAMP file reviews.

Determined if proper documentation was utilized in the foreclosure process; documented all exceptions and determined if the foreclosure was processed in accordance with applicable state and federal laws, including SCRA and US Bankruptcy Codes. SVS Staffing, Dallas, TX

JP Morgan Chase NA

02/2011 - 08/2011

AML Team Lead

Prepare and file Suspicious Activity Reports (SARS).

Train and manage new BSA/AML Analyst.

Review and File Currency Transaction Report (CTR) for the Bank.

Review and investigate transactions activity, which has been identified as unusual and conducted by external parties and/or bank employees, consistent with applicable laws and regulations.

Conduct initial investigations of consumer and commercial transactions for potential money laundering and terrorist financing via alerts generated by Actimize AML monitoring system to determine whether to close out or escalate for SAR review.

Conduct Enhanced Due Diligence monitoring and create profiles for high risk customers.

Conducted other AML investigations; including Grand Jury Subpoena, IRS Summons, Negative New hits and others.

Review Know Your Customer (KYC) files and research customers and third parties to verify customer information.

Review various reports to oversee AML and CIP process used by the branches and business units.

Assist with the development and revision of policies and procedures.

Kept abreast of changes in the laws and regulations by attending various training sessions, including seminars and webinars.

Millennium Staffing, San Antonio, TX

10/2010 - 02/2011

VA Underwriter

USAA

Responsible for underwriting VA mortgage applications.

Ensured compliance with both corporate, government and state requirements.

Utilized both automated underwriting systems of Desktop Underwriter and Loan Prospector.

Worked extensively with staff processors/loan originators on daily basis.

Authority to Lend up to conforming limits on all VA products including IRRLS. Aerotek Staffing, Jacksonville, FL 04/2010 - 10/2010 AML Specialist

PHH Services

Prepared transactions reports equal to or greater than $US 10,000.00 by the government compliance.

Prepared weekly, bi-weekly, monthly and quarterly reports to AML Compliance Officer.

Monitored and assess alerts for potential money laundering risks in the Bank.

Checked forms generated by the transactions equal to or greater than US $10,000.00.

Answered research communications sent by the government compliance.

Mitigated risk through careful consideration of World Check records. EDUCATION

Thomas Edison State College, Trenton, NJ 2013

Bachelor of Arts in Liberal Studies



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