Tamika Francis

*** ********* ***** ****

Lancaster, TX 75146

ad34sx@r.postjobfree.com

202-***-****

Work Experience

Compliance Manager (Lead)

CashApp - October 2023-Present

●Oversee assigned workflows of the Acceptable Use Program team operations, including training, hiring, coaching, and managing team of 20 investigators

●Develop and maintain procedures applicable to the team

●Work with other Compliance Leads to drive strategic planning on team growth, organizational structure, focus areas, and quarterly goals

●Create, monitor, and execute against key operational metrics.

●Identify training opportunities; design/coordinate the development of training material

●Perform SQL queries and generate Tableau reports

Officer, AML Analyst- Global Financial Crimes Compliance

Bank of America - Hybrid January 2023 to October 2023

●Transaction monitoring- Review system generated and manual AML alerts

●Document and report BSA/AML risk matters; case review/investigation findings and prepare case files for review (e.g. media search results, copies of statements/checks, results from internal system searches etc.)

●Conduct research over available internal bank, the Internet and internal systems

●Collect and examine financial statements/trade data and other documents to assist in identifying unusual transaction patterns

●Prepare SARs/No SARs

●Follow-up with additional Point(s) of Contact (POC) as needed to identify additional information in support of the case

●Conducts risk-based customer due diligence through various systems/applications

●Liaise with other FIU units and Law Enforcement, where applicable

●Outgoing 314B requests

AML/Fraud Analyst (Contractor)

ComQSoft -Peraton (Northrop Grumman) Social Security Administration - Remote January 2021 to January 2023

●Evaluates system alerts for potentially fraudulent activity

●Reviews transactions in multiple systems as well as input from other sources to identify fraud

●Communicates with internal and external sources related to potentially fraudulent activity

●Provides input on new ways of identifying fraud as well as improving existing fraud models

●Works with technical staff to test fraud models

●Conducting internal training

●Manage AML alerts, perform analysis and follow-up and work cases from beginning to completion according to internal AML procedures and policies

●Participates in meetings and events representing the customer and Northrop Grumman

Brokerage- Senior Compliance AML Analyst- (Contractor)

Mitchell Martin Consulting- Citibank - Remote September 2020 to January 2021

●Transaction monitoring- Review system generated and manual cases for activity conducted by Retail Broker-Dealer and Institutional Market clients

●Manage a caseload of investigations, perform analysis and follow-up and work cases from beginning to completion according to Citi AML procedures and policies

● Document and report case review/investigation findings and prepare case files for review (e.g. media search results, copies of statements/checks, results from internal system searches etc.)

●Conduct research over available internal bank, the Internet and Databases consistent with the resolution of investigations

●Collect and examine financial statements/trade data and other documents to assist in identifying unusual transaction patterns

●Follow-up with additional Point(s) of Contact (POC) as needed to identify additional information in support of the case

●Document all research and analysis conducted in the Case Management System

●Create Suspicious Activity Reports (SARs); and recommend relationship retention or termination; and track account closures as required

●Conducts risk-based customer due diligence through various systems/applications

●Liaise with other FIU units, the Business,FIU Legal, GIU, Trade Surveillance, and Law Enforcement, where applicable

●Adept understanding of complex financial products and transactions including equities, fixed income securities, derivatives, prime brokerage, private placement, asset management, hedge funds, security transfers, ACATS, etc.

Sr. Analyst, Third Party Oversight & Compliance

TransAmerica - Remote October 2018 to September 2020

●Lead and provide direction for various internal and external partners on all audits

●Lead/participate in conducting Compliance Testing and Reviews for department

●Assist with risk assessments

●Ensure ongoing monitoring and control of third party relationships; identify risks and modify controls as needed; provide results to department management and Board of Directors

●Evaluate service level agreement against statistical data to verify compliance or take appropriate remedial action

●AML transaction monitoring and SAR review

●Investigate and respond to customer complaints

●Maintain third party relationships and serve as liaison for management and staff.

●Maintain documentation of processes and controls

●Stay abreast of industry regulations and requirements and provide updates and training to department staff. Coordinate and complete all required regulatory reports, including 38a-1 and 22C-1 rule

●Serve as Fund Operations representative on various internal and external committee

Sr. QA Investigator FIU/AML- Compliance and Ethics

Walmart – Remote- June 2017 to October 2018

●Train analysts to write SARS and investigate AML/Fraud typologies

●Ensure accurate and complete reviews are performed by the BSA Analysts

●Transaction monitoring and review- (QA) Suspicious Activity Reports (SAR) to file with FinCEN

●Provided feedback to Analysts regarding the SARs and investigations

●Conduct customer screening and documentary verification of beneficial owner and controllers

●Escalate items for law enforcement investigation

●Identified training opportunities, developed and conducted a wide range of BSA/AML related trainings

●Remained informed regarding legal and regulatory developments impacting the company

●Attend industry training and continuing education

●Assist with preparation and review of materials gathered for regulators exams/audits

●Completed special projects as assigned

●Present findings for potential filings. Provide feedback to improve reporting, operations, fraud controls, and collection requirements to board members on a regular basis.

Senior Analyst AML Compliance/Consultant

Western Union Business Solutions - Washington, DC June 2014 to June 2017

●Developed new QA process for WUBS. Provide guidance for new programs and modifications of existing programs, according to local regulations and internal requirements

●Reviewed (QA) and filed Suspicious Activity Reports (SAR) to file with FinCEN; determined whether these matters should be closed or warrant further evaluation

●Served as FIU Investigator

●Write SARs and trained analyst to write SARS

●Transaction monitoring, reviewed and escalated based on AML typology documented investigations, conducted sufficient analysis and research to provide recommendations for risk mitigation

●Recognized new/emerging patterns/typologies and responded with appropriate investigative techniques based on applied knowledge and a wide range of research/investigative techniques

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

●Remained informed regarding legal and regulatory developments impacting the company. Knowledge of global law and regulations applicable to money laundering including the US Bank Secrecy Act (BSA), the USA PATRIOT Act, Financial Action Task Force (FATF)

●Conducted analysis of correspondent banking transactions to identify risks, trends and potential suspicious activity, using both internal databases and external investigative tools.

●Participated in the SAR Committee. Present findings for potential filings

Compliance Consultant/KYC Analyst- Morgan Stanley

AML - Baltimore, MD September 2013 to June 2014

●Performed rolling risk-based reviews and refreshes of existing customers

●Ensured CIP requirements, customer due diligence and Enhanced Due Diligence policies were being followed

●Conducted customer screening and documentary verification of beneficial owner and controllers

●Conducted financial advisor and customer outreach to resolve the documentation or information gap to complete the KYC files

●Remained current on US and international legal and regulatory AML requirements.

●Ensured adherence to State, Federal and International compliance Anti-Money Laundering, PATRIOT Act and OFAC requirements

●Reviewed existing high-risk clients in the US and abroad (look-back)

●Use of extensive research skills, independent judgment, discretion and decision-making skills in order to complete AML reviews

●Conducted accurate and timely completion of review to detect and report suspicious activity

●Researched and analyzed client information to resolve outstanding requests; by reaching out to sales and clients to obtain necessary information/documentation to fulfill the Firm's expectations set by regulators

Sales Supervisor- Series 24

Capital Financial/H Beck - Bethesda, MD August 2012 to September 2013

●Reviewed and approved New Accounts for suitability

●Reviewed variable, fixed and equity linked annuity and DPP transactions for suitability- approve or deny the sale of these products

●Identify risk and control issues - Escalated and recommended corrective action when appropriate

●Provided guidance and advice to assigned reps as needed

●Communicated with Financial Consultants for clarification regarding high risk or questionable transactions

●Identified potential AML and CIP issues

●Trading responsibilities

●Responded to FINRA request for information; participated in regulatory audits

Compliance Manager/Compliance Officer

Clark Securities - Greensboro, NC August 2011 to August 2012

●Supervised activities of Registered Representatives assigned (typically Consultants and Client Relationship Managers, members of Clark Consulting Management)

●Reviewed and approved client suitability regarding the sale of Variable Universal Life (VUL) products and/or mutual fund activities

●Reviewed and approved outgoing client correspondence- electronic and written

●Ensured that (Clark Securities) CSI requirements were met such as AML, Firm Element, Regulatory Element and disclosure items by Registered Representatives including documentation for CSI's books and records requirements

●Assisted in the maintenance of CSI books and records

●Audited Registered Representatives

●Licensing and Registration; Track insurance, firm element and FINRA continuing ED

●Complete electronic registration of FINRA licensed individuals- U4 /U5 filings for back office associates

●Responded to inquiries from internal audit and regulatory bodies

●Stay abreast of FINRA, SEC and State regulations and rule changes that affect the broker-dealer

Assistant Vice President/Compliance Officer/Principal (Series 24) - Central Sales Support

First Citizens Investor Services - Raleigh, NC June 2007 to September 2011

●Reviewed and approved new accounts for suitability

●Reviewed variable, fixed and equity linked annuity transactions for suitability- approve or deny the sale of these products

●Reviewed and approved outgoing client correspondence, sales literature and advertisement (electronic and written)

●Trade surveillance

●Presented compliance training to new advisors and registered sales assistants

●Researched and identified compliance violations- Escalated and recommended corrective action when appropriate

●Collaborated with Sales Managers and other compliance personnel regarding enforcement

●Reviewed trade exception reports for trends and suitability; identify and follow-up on suspicious patterns

●Identified potential AML and CIP issues; review OFAC lists when flags are present

●Contacted clients on an as needed basis regarding transactions on accounts

●Responded to inquiries from internal audit and regulatory bodies

●Branch Exams

●Stay abreast of FINRA and SEC regulations and rule changes that affect the broker-dealer operations

●Additional projects as assigned

Education

●MBA-University of Phoenix

●BA- University of NC at Greensboro

Skills

●Compliance

●SAR writing

●BSA

●AML

●Fraud

●USA PATRIOT Act, US Treasury AML guidelines, OFAC, SEC, FINRA, FRB, FinCEN requirements, and SAR filing requirements

●Investigation

●Regulatory Compliance

●KYC/CIP

●Analytical and Technical Skills

●MS Suite (Excel, PowerPoint, Access, Outlook)

●World Check and Accuity

●SharePoint

●Actimize

●IRIS

●Salesforce

●SAS

●Lean Six Sigma (Green Belt)

●Previous licenses held- S6, S63, S7, S24, Life and Health

●Public Trust Clearance (Federal)

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