Darrell E. Thomas

**** ******* ***, ****** ** ***45. 646-***-****. ad2788@r.postjobfree.com

Accomplished Fraud and AML Compliance Investigative professional with an Excellent record of growth and accomplishments in the Financial Services Industry. Progressive experience in all aspects of Security, Fraud Investigations and AML Fraud analysis. Broad range of skills and experience that would benefit a progressive organization seeking results driven professional with a solid track record of affecting the bottom line and minimizing risk.

Apple Bank for Savings January 2019 – November 2023

Anti-Financial Crimes-Financial Intelligence Unit Financial Intelligence Unit Analyst

Perform the review of assigned BSA/AML transaction monitoring system alerts and cases.

Complete comprehensive reviews of customer activity to identify potential financial crime risks.

Conduct internet and other research concerning the customers and counterparties involved with transactions, as appropriate.

Review complex and multi-tiered relationships to determine if account activity is suspicious and requires the filing of a SAR.

Write a comprehensive analysis of the account activity to support the disposition to close/escalate an alert, close/escalate a case, and file a SAR when required while meeting Management-defined productivity and quality control requirements.

Thoroughly document alert and case investigations, including supporting data, research, analysis and rationale for the recommendation within the case management system in a timely manner and in compliance with regulatory guidelines and AFC procedures.

Provide recommendations for off-boarding customers who pose a heightened risk to the Bank as directed by the Head of Financial Intelligence Unit.

Prepare summaries of customers with multiple SARs and high-risk investigation cases to the Head of Financial Intelligence Unit, BSA Officer, and SAR Committee, as needed.

Maintain a high degree of relevant knowledge with respect to BSA/AML laws and regulations. This includes monitoring new and proposed BSA/AML-related legislation, regulatory requirements, key enforcement actions, key trends, emerging issues, as directed by the Head of Financial Intelligence Unit.

Carver Federal Savings Bank Mar 2017 – January 2019

Compliance Operations BSA - AML Analyst

Review of alerts generated by monitoring system in relation to customer’s transactions for unusual or suspicious activity.

Perform investigations derived by alerts and/or referrals. Prepare a comprehensive analysis of the account activity to support the decision to close a case or draft a SAR for approval and filing.

Conduct periodic reviews of high-risk accounts and customers and perform Enhanced Due Diligence.

Support Carver branch network by providing guidance for potential OFAC “hits”.

Review and/or prepare Currency Transaction Reports (“CTRs”).

Perform OFAC alerts review as generated by the interdiction system; conduct 314(a) searches in compliance with the Information Sharing requirements of the USA PATRIOT Act.

Provides guidance to the retail network branch managers, personal bankers, tellers and other bank departments for CIP/KYC related matters.

Carver Federal Savings Bank (through Robert Half) Nov 2016 – Mar 2017

Compliance Operations BSA - AML Analyst

Review of alerts generated by monitoring system in relation to customer’s transactions for unusual or suspicious activity.

Perform investigations derived by alerts and/or referrals, when needed prepare SAR draft for approval and filing.

Conduct periodic reviews of high risk accounts and customers and perform Enhanced Due Diligence.

Support Carver branch network by providing guidance for potential OFAC “hits”.

Review and/or prepare Currency Transaction Reports (“CTRs”).

Perform OFAC alerts review as generated by the interdiction system; conduct 314(a) searches in compliance with the Information Sharing requirements of the USA PATRIOT Act.

Provides guidance to the retail network branch managers, personal bankers, tellers and other bank departments for CIP/KYC related matters.

JP Morgan Chase Bank, N.A. Jan 2015 – Nov 2016

Global Compliance Operations Associate AML Investigator

Review of alerts generated by monitoring system in relation to customer’s transactions for unusual or suspicious activity. Familiar with “Red Flags” for identifying unusual or suspicious activity.

Investigate wire transfer activity for possible Anti-money laundering violations with JP Morgan Chase high-risk Correspondent Banking partners involving patterns of transactions, multiple entities and geographies.

Responsible for implementation of Enhanced Due Diligence and transactions monitoring for a number of JP Morgan Chase’s (JPMC) wholesale business lines, including Foreign Correspondent Banks, JPMC Affiliates, Domestic Correspondent Banks, Non-Banking Financial Institutions and Corporate Commercial Clients.

Interpret AML risk standards and policies and procedures applicable to cases and make risk based decisions on whether to clear or proceed to draft SAR.

Serve as a point of escalation and Subject Matter Expert for analysts to evaluate and resolve issues around quality and content of alerts and clarify based on AML/Terroristic Financing knowledge processes and/or procedures.

Review the work of alert analysts to ensure alerts meet quality standards and data was accurately collected and documented, including alert, investigation, or Suspicious Activity Report history; Know Your Customer (KYC) information; relevant account and transaction data system(s).

Fully document all dispositions including supporting data, analysis and rationale for disposition, within the case management system in a timely manner.

Recommends business practices to optimize use of business process and ensure proper QA is maintained throughout the investigative process.

Identify problem areas in the workflow process and communicating effectively with senior management and developing efficient remedies.

Maintains in-depth knowledge of business processes and applications and stays current in technical enhancements, methodologies and trends related to the assigned applications.

Citigroup/Citibank, N.A. Feb 1993 – Sept 2014

Corporate Security & Investigative Services

Fraud Investigator II / AVP (Jan 2011 - Sept 2014)

(Investigative Analysis Unit)

Analysis of fraud referrals triaged by Investigative Analyst in combination with historical investigative information from various Citigroup businesses; identifying, building, linking, and escalating cases to Investigations Management for review and/or assignment.

Collation, research and analysis of information and data from a variety of sources internal and external to identify fraud trend activity, schemes, and organized rings. Network with law enforcement agencies to identify persons of interest that have existing relationship with Citigroup.

Analyze and interpret large data sets and undertake predictive analysis based on historical and current data to produce fraud trending reports and other financial wrongdoing that create a risk to company, employees, shareholders, assets, and clients.

Identify and report emerging fraud patterns to Citigroup Investigative teams, strategic analysts, and local Citigroup businesses. Identify and report possible Elder Abuse financial issues in collaboration with Adult Protective Agencies in all States.

Background Screening Investigator (Oct 2005 - Dec 2010)

Adjudicate background and fingerprint findings returned on new hires during employment screening process.

Analyze employee background screening results, such as; credit reports, fingerprint, employment and educational verifications.

Research statues; local, state and federal as they relate to criminal findings and apply government regulated guidelines. Partner with Compliance and the Employment Law Group, to ensure that the businesses are operating in compliance with Citigroup’s background screening policies.

Human Resources Division

Employee Data Administrator & Service Center Rep (Feb 1993 – Sept 2005)

Provide Human Resources and payroll support to over 5,000 employees within the Technology Division.

Responsible for processing new hires, employee personal data changes, tax data changes via “PeopleSoft” system. Provide Human Resources and payroll support to Human Resources Generalist and Human Resources Representatives for Technology.

Process New Hires: follow up on background verifications and fingerprints results.

Responsible for Human Resources Data Management support over 10,000 employees within the areas of operations & Technology. Processed New Hires, and conducted background verifications. Managed fingerprint process.

Provide Data management support to Human Resources Generalist and Human Resources Representatives for Operations & Technology. Research statues; local, state and federal as they relate to criminal findings and apply government regulated guidelines. Partner with Compliance and the Employment Law Group, to ensure that the businesses are operating in compliance with Citigroup’s background screening policies.

SKILLS:

Knowledge of the USA PATRIOT Act, Bank Secrecy Act, OFAC and related AML regulations. Knowledge of external compliance screening databases (World-Check, Lexis / Nexis, Actimize, PACER, KYC). Strong Microsoft Word, Excel, PowerPoint, PeopleSoft, Fingerprinting. Strong leadership skills. Strong written and oral communication skills with the ability to interact with different levels of management. Ability to work with very little supervision. Highly organized and efficient with the ability to multi-task and meet tight deadlines. Very detailed oriented.

EDUCATION:

John Jay College of Criminal Justice New York, New York

June 1995 Bachelor Of Arts In Criminal Justice

CERTIFICATION:

National Association of Youth Chaplains, Inc. NY Certified Chaplain / Youth Chaplain

ACTIVITIES:

Christ Church International Jamaica, New York

2022 - Present Senior Pastor

Christ Church International Jamaica, New York

2005 - 2022 Assistant Pastor/Youth Pastor

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