Keith A. Acosta

ad3ame@r.postjobfree.com

917-***-****

A seasoned professional with a wide range of expertise in various areas of the financial services community which includes Bank Secrecy Act (“BSA”), full Anti Money Laundering (“AML”). AML Look-Back and Quality Assurance/Case Investigation, OFAC monitoring, KYC Remediation, CIP, SAR filings, Alerts reviews, transaction monitoring, Fraud Investigations and Correspondent Banking.

Employment Summary

Keith A. Acosta - Consultant, LLC

Director

USA - New York, Alabama, Texas, Connecticut, New Jersey, South Carolina and Wisconsin.

2012 - Present

At Banks and Money Service Transmitters, Non-Bank Financial Institutions. Conduct full BSA/Anti-Money Laundering Independent Case Investigation, Fraud Investigations, Quality Assurance Reviews, Account Activity Investigations (High Risk Customer), Suspicious Activity Report (SAR) filing.

Carver Federal Savings Bank – New York, N.Y.

October 2021 – Present

BSA/AML Analyst - Analyst/Investigator (Full Time)

Review alerts generated by the monitoring system concerning customer transactions for unusual or suspicious activity and when needed prepare SAR draft for approval and filing. Conducted due diligence reviews on correspondent banking and US Dollar Clearing transactions of high risk flagged parties. Which may include presenting the recommendation to Close and Clear cases or escalate to Case Investigation. Periodically scan Carver’s customer database against the OFAC list by using Fiserv - Navigator. • Review and investigate referrals received by the Bank departments. • Support branch function with regards to the review of the monetary instrument log • Review and prepare Currency Transaction Reports (“CTRs”). • Conduct periodic reviews of high-risk accounts and customers (EDD reviews). • Assist the BSA/AML Officer for daily operations.

UBS Group AG – New Jersey

October 2020 – October 2021

KYC/FUI Analyst -Investigator (Contractor)

Conducted due diligence inquiries on individuals, banks and organizations suspected of money laundering, terrorist financing and fraud activities by utilizing internal and external resources. Performed due diligence utilizing Google search, LexisNexis, World-Check and make recommendation to Team Lead for NFA (No Further Action) or RFI (Request Further Information).

Mega International Commercial Bank - New York

June 2018 – January 2020

BSA/AML Analyst - Investigator (Full Time)

Transaction Monitoring Quality Assurance. Conducted due diligence reviews on correspondent banking and US Dollar Clearing transactions of high risk flagged parties. Which may include presenting the recommendation to Close and Clear cases or escalate to Case Investigation. Conduct 90-day reviews on SAR’s (Suspicious Activity Report) and CAR’s (Continuing Suspicious Activity Reports). Responsible for filing SAR/CAR’s to FinCen.

Mega International Commercial Bank - New York

November 2017 – June 2018

(Contractor)

Transaction Monitoring Quality Assurance. Conducted due diligence reviews on correspondent banking and US Dollar Clearing transactions of high risk flagged parties. Which may include presenting the recommendation to Close and Clear cases or escalate to Case Investigation. Responsible for QA2 review of escalated cases by reviewed by QA1 Investigator and ensuring the review was conducted in accordance with Mega Bank’s Investigation Procedures.

Rabobank - New York, N.Y.

September 2017 - November 2017

(Independent Contractor)

Responsible for reviewing OFAC Sanctioned, PEP and Transaction Monitoring alerts from beginning to end, which may include presenting the recommendation to the Close and Clear or escalate to Case Investigation.

UBS - Stamford, CT.

May 2017 - July 2017

(Contractor)

Support Broker Dealer Platform. Review alerts from beginning to end, which may include presenting the recommendation to the Close and Clear (NFA) or escalation to Case Investigation. Conduct full analysis/Investigation on all types of accounts from Low to High-Risk countries for all groups and counterparties. Including: Customer Accounts, checks, Book Transfers, Chips Payment and Fed Wire payments.

Citibank, N.A. - Fort Mill, S.C.

January 2017 – April 2017

(Contractor)

Conduct full analysis/Investigation on all types of accounts from Low to High Risk countries for all groups, US Dollar Cleared and corresponding banks, including: Book Transfers, Chips Payment and Fed Wire payments.

Standard Chartered Bank, Dallas TX.

August 2016 - December 2016

(Contractor)

Conducted due diligence reviews of correspondent banking and US Dollar Clearing transactions of high risk flagged parties. Complete enhanced due diligence reviews on high-risk customers and Clients.

Capital One Bank, N.A. – Wilmington, Delaware

November 2015 – July 2016

(Contractor)

Reviewed front and back of checks for unusual markings and endorsements; Screened for a negative news on the originator and beneficiary/endorser, if legible and if identifying information is available (i.e. address, driver license number, social security number, etc.) by using LexisNexis.

Bank of Tokyo-Mitsubishi UFJ, New York

May 2015 - September 2015

(Contractor)

Confirmation that involved entities or individuals have a material relevancy to the transaction (e.g. shipping line is an actual shipping line). Enhanced due diligence on provided documentation and identification. Verification to confirm the authenticity of any provided identification.

Bancorp Bank, Delaware

January 2015 – April 2015

(Contractor)

Conducted due diligence inquiries on individuals, banks and organizations suspected of money laundering, terrorist financing and fraud activities by utilizing internal and external resources. Performed due diligence utilizing Google search, LexisNexis, World-Check and make recommendation to Team Lead for NFA (No Further Action) or RFI (Request Further Information).

Regions Financial Corp., Birmingham, Alabama

March 2014 – November 2014

(Contractor)

Responsible for reviewing and maintaining EDD on most high-risk customers and all foreign individuals, foreign entities and foreign owned domestic entities, excluding domestic correspondent accounts, domestic, Private Wealth clients, domestic regions Securities clients, and domestic Regions Trust relationships.

JP Morgan Chase, Fort Worth, Texas

September 2012 – July 2013

(Contractor)

Conducted due diligence reviews on correspondent banking and US Dollar Clearing transactions of high risk flagged parties. Which may include presenting the recommendation to Close and Clear cases or escalate to Case Investigation.

MoneyGram International, Fresco, TX.

January 2012 – July 2012

(Contractor)

Review existing agent transactions for product misuse, AML concerns, and other patterns of suspicious activity. Provide written analysis and recommendations regarding AML risks. Use of the following Systems: FIU (Fraud Investigation Unit) Database. Conducted research to provide thorough and accurate information through utilization of World-Check, LexisNexis, EDD, Bridger search and Google negative news searches.

References provided upon request.

Dodd Frank, Lexis Nexis, World Check, Bridger Search, Google negative news searches (String).

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