FELICITY WHETSTONE

ad2cgz@r.postjobfree.com

682-***-****

Arlington, TX 76014

SKILLS

SAR drafting and writing.

Investigation expert

Regulation E

Banking regulations

Risk management

ACH transaction.

Verafin Experience

Due diligence

Analytical

Team player

KYC

Fraud detection

Effective communication

Data Analysis

MS Office

Flexible and Adaptable

EDUCATION

BSc. Sociology

IMSU University

PROFESSIONAL SUMMARY

I’m a dynamic AML/KYC/EDD/FRAUD and GLOBAL SANCTION Analyst with 6 years of experience in Anti-Money Laundering, High risk review, Fraud investigation, Know Your Customer (KYC), OFAC stripping, Account review, Enhanced due diligence, Negative news screening, and Ongoing transaction monitoring. Versed in advanced MS office suite, SAR drafting, and Investigation. I’m a highly organized compliance professional who manages multiple priorities with a positive result. I have proven record of success at detecting and preventing fraud, Investigation, and Risk mitigation which can be verified with my past employers over the years.

WORK HISTORY

CHARLES SCHWAB-AML SURVEILLANCE/GLOBAL SANCTION ANALYST

WESTTLAKE, TX• DEC 2022-CURRENT

● Conducts end to end review of system generated alerts/cases, to assess presence of illicit activity that may require reporting based on Bank Secrecy Act (BSA)/AML/CTF requirements.

●Review news and customer information to check for any negative news about clients.

●Follow the bank's protocols to assess and escalate potential risks found in the news.

●Make sure all processes follow the bank's rules and suggest improvements as needed.

●Develop expertise on all BSA/AML/OFAC controls at Green Dot, including mastering all related front-end systems, applications, data sources, and back-end controls.

●Identify efficiencies or possibilities to streamline processes and reporting needs.

●Review BSA/AML monitoring rules to be familiar with logic, thresholds, and data involved with each rule.

●Conduct rule validation and Model Risk Management processes.

●Review existing reporting and make recommendation on enhancements to the process to capture unusual activity while limiting false positives.

●Use analytical skills to produce and follow leads, as well as link common or related activities, develop complete pictures of suspicious activity and uncover new trends in fraudulent behavior.

●Review monthly and daily transaction alerts, sanctions alerts, client file review, conducts due diligence searches and metrics

●Document the results of the review with appropriate dispositioning.

●Ensure that daily work is completed in accordance with defined procedures, while using judgment to ask questions on areas the procedures do not cover.

●Communicate professionally and constructively to effectively resolve issues in a timely and efficient manner.

●Develop an understanding of AML and Sanctions requirements and implications.

●Ensure timely completion of all mandatory training requirements.

●Stay abreast of regulatory changes and AML-related news.

●Review system generated alerts to analyze transactions to detect unusual activities and take appropriate action to escalate them within the BSA Department.

●Assist with the workflow, documentation, and case management process.

●Based on the outcome of the investigation, analyze, and determine whether or not the case warrants a further review that may result in a Suspicious Activity Report (SAR) filing.

●Document and make recommendations that support decisions.

●Provide guidance, support, and recommendations regarding customer BSA risk ratings and account activity.

●Participate in ongoing training to maintain current knowledge of BSA and related AML and OFAC regulatory requirements.

●Investigates questionable transactions for potential violations of government sanctions, maintains detailed notes and reported the findings to the management.

●Identifies, documented, and mitigated red flags for evidence of Money Laundering, fraud, potential financial crimes, suspicious transactions (STR), terrorism financing, and any unusual banking activities based on policies.

●Serves as an escalation point for the Risk Monitoring team for potential AML/BSA/CTF concerns.

FIRST CITIZENS BANK - AML/Fraud Analyst

FRISCO, TX • MAY 2020- DEC 2022

●Analyzed potentially suspicious financial activity and file SAR (Suspicious Activity Report) when risk cannot be mitigated.

●Recommended new software tools and enhancements to improve fraud detection, prevention, and reporting efforts.

●Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.

●Transaction monitoring of international and domestic wires, POS, ACH and Monetary instruments.

●Observe customer transactions to identify fraudulent activity, such as Account take over, Friendly fraud, theft and similar other risks.

●Analyze results of complex investigations and delivered concise written conclusions to management.

●Conduct thorough customer and enhanced due diligence research using company's resources and other resources to determine whether AML risk exists.

●Liaising with management to ensure compliance with internal policies and external regulations.

●Analyzed large amounts of data to find patterns of fraud and anomalies.

●Meet and exceeded both productivity and quality benchmark.

●Works effectively with technical analytical tools, investigative tools, and systems to monitor and conduct periodic Customer Due Diligence (CDD), Enhanced Due Diligence (EDD) reviews on high and or low risk new and existing customers.

●Create, update, and analyze issues related to SQL queries to assist BSA investigation team in pulling transactional and customer data.

●Support managements needs by creating or updating streamlined data extracts to identify KPIs, KRIs, and other metrics.

●Evaluate and analyze information uncovered during the investigation to make a recommendation whether the alert warrants further action.

●Collaborate with different teams to manage and fix money laundering and reputation-related problems.

●Conduct investigations that require larger data pulls, data aggregation across databases and deep analysis of the data extracted.

●Actively participate in the annual AML risk assessment by testing adherence to the AML policy and procedures by the lines of businesses (LOB)

●Perform ad hoc requests as needed.

●Analyze data and results of existing transaction monitoring reports and determine whether to apply enhanced due diligence and/or investigation is warranted.

PNC BANK – AML/KYC/EDD Analyst

PLANO, TX• JULY 2017 – MAY 2020

●Document research findings to support risk-based decision making and resolution to escalated fraud incidents.

●Reviewing new customer accounts and verifying their identities.

●Use customer risk scoring models in accordance with the departmental processes and procedures.

●Implement appropriate Customer Identified Program (CIP).

●Reviewing customer accounts for instances of suspicious financial transactions.

●Conduct due diligence in various third party and internal database review and detect suspicious activities.

●Perform background checks, customer research, transactional analysis using software and database.

●Identified potential threats, vulnerabilities and suspicious behavioral patterns and recommended mitigation measure.

●Assist in risk assessment, identification, and on-going monitoring of higher risk accounts to detect suspicious activity.

●Developed effective improvement plans in alignment with goals and specifications.

●Determine the legitimacy, materiality, and relevance of the cases to BBH using sound judgment that is based on all relevant and documented facts and considerations.

●Create, code and update SQL based rules per BSA leadership needs.

●Provide support for Law Enforcement Team with subpoena fulfillment by updating and enhancing current SQL queries.

●Provide analysis on large data needs related to management requests or BSA investigations.

●Identify and escalate potential problem items to Management quickly and efficiently.

●Work with LOB relationship managers to clarify relevant party details when necessary.

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