STEPHANIE SURRATT, JD CAMS

**** ****** **** **** #****

Irving, TX 75061

678-***-**** Cell

acw7x9@r.postjobfree.com

CAREER SUMMARY

Experienced professional with over twelve years of legal and compliance experience in the areas of AML/BSA, EEO and legislative governance. Possess a comprehensive knowledge of various federal, state and local regulations. A leader, self-starter and a quick learner who has superior analytical and problem solving abilities. Seeking compliance opportunities in the financial industry.

EDUCATION

Syracuse University College of Law, Syracuse, New York Juris Doctor, May 2002

The George Washington University at Mount Vernon College, Washington, DC Bachelors of Arts with

Honors, Business Administration/Marketing, May 1999

CERTIFICATION

Association of Certified Anti-Money Laundering Specialists (ACAMS), Certified Anti-Money Laundering Specialist (CAMS)

EXPERIENCE

Allsec Financial, Irving, TX Current

Sr. Investigator Financial Crimes/ Correspondent Banking (Contractor) Undisclosed Client

Conducts AML/terrorist finance investigations involving correspondent banking. Reviews detection scenarios, patterns of transactions, multiple entities and geographic typologies using internal systems, referrals from business lines and government agencies. Correctly identify money laundering red flags. Develop a specific investigative approach for each unique case. Drafts comprehensive SAR narratives that clearly articulate details of the case and file SARs with FinCEN within the appropriate timeframes. Identify and escalate all suspicious customers/activity. Mitigate all factors that represents a significant risk to the bank. Review internal case escalation, draft 314(b) (US)/RFIs (Non Us) requests, conduct OFAC reviews, and negative media searches for entities involved in USD Clearance. Communicate with other internal investigative divisions to coordinate evidentiary matters and case filings. Assist with AML surveillance system initiatives including routine optimization of surveillance scenarios and tuning. Participates in targeted and ad hoc review projects.

Robert Half Resource Management, Columbus, OH March 2016-June 2016

Sr. Compliance Associate /PWC Quality Assurance Project (Contractor) Discover Financial

Conducts investigative/intelligence research of potential fraud, money laundering, terrorist financing, and other financial crimes activities on depository and credit card accounts. Ensures enhanced KYC/EDD compliance through research of CIP records using industry tools such as World-Check, LexisNexis Bridger. Verifies account purpose and legitimacy and analyze transactions activity. Draft Suspicious Activity Reports (SARs) and other written investigative/intelligence reports to support investigations in accordance with strict quality standards. Conducts peer quality assurance reviews, tracks quality assurance review results and required actions in the Quality Assurance database. Escalates issues and risks to management where appropriate.

Tigroup, Chicago, IL November 2014- March 2016

Sr. AML Investigator High Risk/Capital Markets (Contractor) BMO Harris, High Risk Unit

Investigate complex cases of potentially suspicious financial activity involving high risk lines of business (LOBs) including commercial, capital markets, private clients/trusts, correspondent banking and international currency services. Research and identify parties/associated parties, beneficial owners, Politically Exposed Persons (PEPs) for negative information using Clear, LexisNexis, World Check and OFAC. Perform in-depth file reviews of high risk commercial/capital market client activities and services. Performs risk analysis on new lines of business and ensures compliance with risk management protocol. Perform enhanced due diligence searches in cases where risk exposure has been identified to mitigate AML/TF exposure. Conduct initial reviews of new domestic and foreign correspondent banks (CBs) and domestic and foreign non-bank financial institutions (NBFIs). Investigate potentially suspicious activity escalated by the Alert Adjudication Unit, makes risk-based recommendations and prepares Suspicious Activity Reports (SARs). Serve as a subject matter resource to Lines of Business by communicating AML compliance and risk management requirements. Process incoming and outgoing 314b requests according to regulatory standards. Participated in and provided technical support for projects and initiatives with moderate to high risk. Make recommendations to the AML Financial Intelligence Unit regarding suspicious activity monitoring and investigations.

VSG, Columbus, OH April 2014- September 2014

Sr. AML Investigator (Contractor) (JP Morgan Chase, Global Financial Crimes, Consumer and Commercial Banking)

Perform in-depth investigations involving retail, commercial and PEPs customers. Conduct internal account reviews to identify potentially suspicious activity, key risks and other mitigating factors. Conduct complete account analysis gathering information and evidence from Actimize Case Management, Halo monitoring systems and other internal and external sources. Prepare Suspicious Activity Reports (SAR's) for filing. Initiate 314(b) requests to other participating financial institutions as deemed necessary to further advance investigations. Escalate cases to law enforcement. Manage assigned investigations ensuring timely and prompt filings to FinCen. Provide recommendations to management on strategies to enhance detection of suspicious activity.

Black Letter Discovery, Cleveland OH 2012-2014

Document Review Attorney AML/BSA Compliance Review/Look back Project (Audit)

Review documentation to ensure compliance with AML/BSA requirements involving identified high risk customers. Examine previously submitted SAR reports for completeness and accuracy and unusual/suspicious activity to be included in a possible look back/amended filing. Analyze transactions that met or should have met CTR reporting requirements. Examine consumer documentation involving targeted customers for EDD/KYC compliance. Performed due diligence searches on account holders and report adverse findings for further review.

Legal Aid Society, Cleveland OH 2008-2012

Attorney Bankruptcy By Pass Program

Review documentation regarding existing debts and assets and completes a schedule of assets.

Research applicable state laws such as Ohio exemption statue and the BAPCP. Determine whether the individuals meet the statutory definition of “judgment proof”. Notify creditors when individuals are deemed “judgment proof”.

Kelly Temporary Services, Cleveland, OH 2007-2008

Contract Specialist at Lesco/ John Deere Landscapes

Prepare and manages request for proposals, quote preparation and blanket purchase agreements. Participate in pre-proposal and bid conferences to determine terms and conditions of contracts. Coordinates the implementation of contract awards and ensures post-award compliance.

Commonwealth of Kentucky, Personnel Cabinet, Frankfort, KY 2004-2005

Special Assistant, Compliance

Author personnel manuals, executive orders, policy memoranda, briefing papers, executive summaries, and legislative updates. Research state and federal laws such as Kentucky Revise Statues, FLSA, ADA and EEO. Investigate complaints of EEO violations. Interview potential witnesses or parties that may be aware of the alleged discrimination. Collect and analyze information that would support or deny allegations of discrimination. Document and report investigative findings to the appropriate senior level staff. Document case progression and update case status in the electronic data system. Collect and compiled data to analyze EEO objectives and progress. Analyze personnel placement and promotion and disciplinary actions. Draft the State’s affirmative action plan. Draft the annual EEO-1 and Semi Annual report on minority hiring. Develop and implement training programs for state employees on all aspects of Affirmative Action/EEO laws, sexual harassment, ADA and diversity. Identify areas and improve processes to ensure key compliance requirements are being mitigated appropriately. Managed a staff of two.

Southern Intercollegiate Athletic Conference, Tucker, GA 2003-2004

Director of Compliance

Conduct periodic compliance audits and perform institutional assessments to ensure compliance with NCAA Division II bylaws and SIAC conference rules. Investigate potential secondary rules violations involving student athletes and coaches. Interview student athletes, school officials, coaches and other staff document findings and submitted infraction reports to the NCAA. Provide NCAA Division II and Conference by-law interpretations to colleges and universities, boosters, student athletes and general public. Develop and implement training programs for University staff, parents and student athletes on all aspects of NCAA Division II bylaws, including recruiting and eligibility. Managed a staff of three.

National Collegiate Athletic Association, Indianapolis, IN 2002- 2003

Athletics Compliance Post Graduate Intern

Serve as a national office compliance liaison to colleges and universities, athletic conferences and the general public on Division I, II, III NCAA legislative and compliance matters. Provide both verbal and written NCAA Division I, II, III legislation interpretations. Review and process initial and continuing eligibility waivers.

ADDITIONAL SKILLS AND TRAINING

Actimize Case Management System, Microsoft Office Suite (proficient in Microsoft Excel), SAS Anti Money Laundering Enterprise System, Norkom, Forex Trading Systems, Accenture, Clear, HALO and Lexis Nexus.

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