Process Improvement Quality Control

Efe Agbonaye

Conyers, GA 470-***-**** ***********@*****.***

Professional Summary

Experienced in regulatory compliance frameworks including BSA, USA Patriot Act, OFAC sanctions, and KYC/AML policies. Skilled in fostering compliance by collaborating with cross-functional teams, supporting non-standard requests, and advising processing teams. Recognized for process improvement expertise, risk mitigation, and efficient decision-making in high-paced environments. Committed to ongoing learning and staying current with industry standards and trends through training and professional development. Professional Experience

TD Bank (Contractor: Profile Intelligence LLC)

AML KYC Fraud Analyst

July 2024 – Present

● Prepared and submitted suspicious activity reports (SARs), documented no further action (NFA) decisions, and obtained additional information from branches to support AML quality control.

● Reviewed SARs and NFAs to verify alignment with internal policies and regulatory standards.

● Collaborated with processing teams to answer inquiries and handle non-standard requests efficiently.

● Identified multiple high-risk cases, red flags, and patterns associated with illicit fund laundering.

● Analyze transaction and customer records, external data, and public sources to uncover suspicious or unusual activity.

● Ensured compliance with internal standards, legal requirements, and AML procedures.

● Solved processing issues and identified areas for process improvement.

● Engaged in training sessions and industry education to stay updated on trends.

● Generated detailed KYC reports and independently made timely decisions in a fast-paced environment.

PNC Bank

AML KYC Business Analyst

May 2022 – April 2024

● Analyzed accounts, wire transfers, securities, and loans to identify suspicious activity, escalating high-risk cases to senior management.

● Prepared SARs and ensured timely submission per BSA/AML regulatory standards.

● Conducted customer due diligence (CDD) and enhanced due diligence (EDD) by reviewing profiles, identifying red flags, and performing background checks.

● Monitored regulatory changes to align internal processes with compliance standards.

● Supported complex investigations by collaborating with compliance, fraud, and law enforcement teams.

● Performed in-depth analyses of customer transactions to detect potential money laundering and terrorist financing.

● Adhered to AML regulations, including the Bank Secrecy Act, USA PATRIOT Act, and OFAC guidelines.

● Partnered with internal audit, legal, and risk teams to address and remediate compliance gaps.

● Analyzed large datasets to assess risk, identify trends, and report findings to senior management.

● Suggested process improvements to enhance AML efficiency and monitoring. Walmart Corporate Money Center

Transaction Review Specialist

Oct 2017-April 2022

● Monitored financial transactions for signs of fraud or money laundering.

● Investigated fraud alerts from transaction monitoring systems, escalating risks as necessary.

● Contributed to developing fraud detection systems and improving transaction monitoring.

● Reviewed customer accounts for compliance with AML regulations and company policies.

Education

● Information Technology Southern Newhamshire University, United States

● Computer Literacy Boston City Campus and business College, South Africa

● IT Support Certificate Merit America

● Certified Data Analysis Microsoft

Skills

● AML Compliance: In-depth knowledge of AML regulations, KYC processes, and frameworks including BSA, USA PATRIOT Act, and OFAC.

● Transaction Monitoring & Reporting: Proficient in SAR preparation, submission, and NFA documentation.

● Investigations & Risk Detection: Experienced in identifying high-risk cases, red flags, and patterns in illicit fund activities.

● Data Analysis: Skilled in analyzing transaction and customer data for unusual or suspicious activity.

● Process Improvement & Problem Solving: Adept at resolving processing issues and recommending improvements.

● Regulatory Adherence: Ensures workflows comply with internal and regulatory standards.

● Collaboration & Support: Works effectively with processing teams to handle non-standard requests.

● KYC Reporting: Experienced in producing detailed reports and making decisions in high-pressure settings.

● Continuous Learning & Adaptability: Engages in ongoing education and training to stay current.

References

Available upon request.

Contact this candidate