MARIE (Makiko) ITO

Address: Cumming, GA ***** Email: ad10w2@r.postjobfree.com Phone: 267-***-**** LinkedIn KYC/AML Analyst Expert in Risk Mitigation, Financial & Fraud Investigations, and Regulatory Compliance Accomplished and results-driven KYC/AML Compliance Analyst with over ten years of experience in regulatory compliance, research, and investigation across bank, insurance, and financial service sectors. Proven success in leveraging cutting-edge anti-money laundering

(AML) methodologies and tools to analyze complex financial transactions. Excel at identifying and mitigating risks associated with money laundering, fraud, and financial crimes. Strong expertise in case management, KYC procedures, and the interpretation of regulatory frameworks, including BSA, AML, FINRA, and SEC guidelines. Proven ability to collaborate with cross-functional teams, deliver comprehensive reports, and implement effective strategies to safeguard against illicit financial activities. Committed to upholding the highest standards of integrity, confidentiality, and ethical conduct while navigating the evolving landscape of financial regulations.Key Accomplishments:

— Broke the highest sales in 2002 in Prudential Financial and assisted Prudential Financial, Paramus, NJ, in achieving the #1 agency ranking in 2003.

— Honored as a top 10% Financial Advisor worldwide by the Million-Dollar Round Table in 2007, and assisted New York Life, Melville, NY, in achieving #1 agency ranking in 2010. KEY STRENGTHS CORE COMPETENCIES

— AML & Fraud Detection: Proficient in analyzing accounts for unusual or suspicious activity using anti-money laundering systems. Skilled in conducting thorough investigations and research to address account irregularities and determine escalation needs.

— Compliance & Regulations: In-depth knowledge of state and federal laws and regulations for banks, insurance, and financial services sectors, including Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) compliance. The ability to read, analyze, and interpret complex rules and regulations and adhere to all provisions of policies and procedures.

— Investigation & Due Diligence: Advanced experience conducting investigations on the legitimacy of contracts, accounts, money movements, and parties involved in transactions, particularly in the context of insurance, banking, and financial institutions.

— Financial Business Operations: Comprehensive understanding of the business operations in insurance, banking, and financial service sectors, including navigating specialized and internal operation systems, contributing to enhanced efficiency and workflow optimization.

— Training & Development: Coordinated with upper management to identify training criteria and processes that fit the company's goals and objectives. Created engaging content and learning materials and assessed the employees' learning by conducting activities that enhanced their knowledge of the subject.

— Communication & leadership: Excellent oral and written communication skills, with the ability to interface effectively with senior and executive management, including all business lines, legal entities, and clients of varying levels and titles.

— Technology Integration: Demonstrated exceptional proficiency in various critical software applications, including SharePoint, SAS, Actimize, KYC, and LexisNexis, and a high level of competence in spreadsheet and word processing software such as Microsoft Outlook, Word, and Excel.

— AML & KYC Analysis

— Root Cause Analysis

— Financial & Banking Services

— Investigative Research & Analysis

— Due Diligence & Mitigation

— Risk Assessment & Management

— Document Retention & Management

— Customer Services & Sales Strategies

— FDIC, BSA, and AML Law and

Regulations

— SIPC, SEC, and FINRA Law and

Regulations

— Project Oversight & Management

— Performance Evaluation

— Continuous Process Improvement

— Leadership & Organizational

Development

— Employee Training Oversight

— State Insurance Regulation

— High-Stake Negotiation

— Conflict & Problem Resolution

— Critical Thinking & Reasoning

— Marketing Strategies & Improvement

— Fluent in Japanese & English

WORK EXPERIENCE

Sr. KYC/AML Compliance Analyst Ernest & Young, Alpharetta, GA Jan 2022 - Mar 2023

— Leveraged SAS, Actimize, SharePoint, and Excel to meticulously review and analyze alerted bank and loan transactions. Identified high-risk indicators, including same-day multiple transactions, round dollar amounts, structuring, and other unusual activities, promptly addressing any significant changes in accounts misaligned with normal business activities.

— Executed quarterly comprehensive Customer Due Diligence (CDD) assessments on existing and onboarding customers focused on identifying relevant negative news or derogatory information about clients and transaction parties. Performed Enhanced Due Diligence (EDD) utilizing KYC software, LexisNexis, other internal software, and open-source data for further scrutiny for alerted accounts and made appropriate reports to the second defense managerial analysts to ensure regulatory compliance. PROFILE SUMMARY

MARIE (Makiko) ITO E-mail: ad10w2@r.postjobfree.com Page 2

— Oversaw the management of intricate cases involving Politically Exposed Persons (PEPs), high-risk jurisdictions, tax haven countries, and complex transactions. Applied analytical expertise to assess the legitimacy of transactions, ensuring thorough scrutiny and adherence to compliance standards.

— Systematically determined the escalation path for cases, distinguishing between non-escalated cases (No-SAR) and escalated cases requiring Suspicious Activity Reports (SAR). Produced comprehensive recommendation reports with supporting documents, facilitating efficient decision-making by second defense analysts. Premier Banker (Assistant Vice President) Citizens Bank, Philadelphia, PA Jan 2016 - Jul 2016

— Managed the seamless operations of five branches, serving an exclusive clientele of over 300 affluent clients with liquid assets surpassing $1 million. Achieved a remarkable doubling of revenue within a swift six-month period.

— Provided mentorship and guidance to a diverse team of over 40 members, including newly onboarded bankers, in implementing proven strategies for generating sales opportunities. Successfully instilled effective practices for referring customers to designated business partners.

— Maintained rigorous adherence to regulatory standards by analyzing sales production, pipeline metrics, and potential leads, ensuring a consistent flow of high-net-worth customer referrals.

— Developed and implemented comprehensive measures to identify, manage, and control Anti-Money Laundering (AML) risks associated with bank, loan, investment, and insurance transactions and conducted thorough training for associates to ensure regulatory compliance.

Sr. Banker/Financial Consultant/Trust Officer Wells Fargo Bank, Philadelphia, PA Feb 2013 - Jul 2015

— Spearheaded innovative strategies to overcome the challenge of identifying lucrative accounts in a small region, orchestrating a complete business transformation by expanding prospecting efforts into broader markets.

— Secured high-value multi-million-dollar accounts, achieving an outstanding track record by closing residential mortgages totaling over $1.5 million in the first quarter alone.

— Demonstrated exceptional customer engagement skills, culminating in the successful closure of a multi-million-dollar commercial mortgage deal. Utilized a prescribed sales process tailored to uncover customer needs and deliver customized solutions.

— Played a pivotal role in recommending the revision of risk management documents, procedures, and forms to ensure compliance with BSA, AML, SEC, and FINRA regulations.

— Functioned as a critical point of contact for various departments, responding adeptly to internal inquiries regarding policies, procedures, and regulatory requirements.

Financial Consultant/Manager (Partner) New York Life, Melville, NY Feb 2008 - Nov 2011

— Diligently monitored compliance with firm processes, policies, and procedures, ensuring strict adherence to corporate rules, state insurance laws, as well as FINRA, SEC, and AML regulations.

— Spearheaded a remarkable 300% annual revenue growth, playing a pivotal role in the company's recognition as the "Top Insurance Company" by Forbes Magazine in 2009.

— Catalyzed the growth of sales skills and methodologies across teams, resulting in a significant enhancement of overall performance and a 100% success rate in meeting annual performance targets.

— Conceptualized and organized training programs, educating over 100 associates and newly hired managers on various aspects, including consulting sales, marketing methodology, products, especially annuity and insurance products, wealth management, and onboarding/ongoing risk mitigation per applicable regulations and demonstrated the consequences of compliance or defiance of rules during the training sessions.

Other Work Experience

Emergency Teacher ESS Education, Easton, PA Jan 2018 - Sep 2021 Host Guardian A and B Education, Fairless Hills, PA Apr 2017 - May 2020 Host Guardian JIES (Joy Education), North Wales, PA Sep 2020 - May 2020 EDUCATION & CERTIFICATION

Bachelor of Arts: Human Services, Public Administration Franklin Pierce University: 3 Semesters - Dean's List, GPA: 3.4 Credits Transfer, Business Administration

Southern NH University: Phi Theta Kappa, GPA: 3.85 Certified in Basic Coding for HTML, CSS, and JavaScript Language. AFFILIATION

— Vets2 Industry

— Former US Army National Guard Enlist; Honorably discharged in Oct 1998

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