Anti-Money Laundering Analyst
Resume:
Annabelle B. Luna
https://www.linkedin.com/in/annabelle-luna
**** ******* ** *** ******* TX, 78242
*********@*****.***
Summary
I am an Anti-Money Laundering (AML) Analyst with over 15 years of experience in the financial services industry. My work history includes providing customer service, reviewing customer accounts, KYC/CIP (Know Your Customer/Customer Identification Procedures) verification, fraud detection, SAR (Suspicious Activity Report) filing, OFAC (Office of Foreign Assets Control) screening, FinCEN (Financial Crimes Enforcement Network) compliance and reporting, Quality Control, conflict resolution, and innovative problem-solving.
I am proficient in error detection, statistical and analytic reporting, performing loss prevention functions, monitoring and auditing Bank Secrecy Act (BSA) compliance, and data analysis to detect and prevent fraudulent and anti-money laundering activities. I have extensive knowledge regarding anti-money laundering laws, procedures, and practices, and can utilize multiple databases to compile, extract and analyze data.
Skills & Abilities
Banking Compliance and Auditing
Money laundering laws, procedures, and practices.
Account Review and Analysis
Procedure development & documentation
MS Word, MS Excel, MS PowerPoint
Data Analysis / Data Management
Fraud Detection
Patriot Act - KYC/CIP
Knowledge of applicable laws, regulations, and guidelines (e.g., BSA, OFAC, FinCEN)
Lexis Nexis, AML Insight
Experience
KYC/AML Analyst FIS Global
July 2019 – Present
Identify suspicious activity or false positives by monitoring transactions and analyzing financial KYC/CIP data alerts.
Implemented new letter system to efficiently contact members who failed CIP.
Document research findings to support risk-based decision-making and resolution of escalated AML/CIP cases.
Conduct investigations into suspicious transactions, including the source and destination of funds, create Suspicious Activity Reports (SAR).
Prepare reports for AML compliance officers and regulatory bodies, including two regulatory audits.
Work with compliance, legal, and operational teams, as well as other financial institutions.
Conduct end-to-end reviews of potential illegal or suspicious activity.
Conduct Quality Control checks on completed alerts.
Prepare and screen FinCEN reports.
Conduct ongoing customer due diligence reviews.
Perform all Lead duties including training, scheduling, work allocation, and team building exercises. (October 2023 – October 2024)
Key Results:
Reviewed and decisioned an average of 200 cases per month.
Successfully completed two Federal regulatory audits with no findings.
Implemented weekly team meetings, as part of my Lead tasks, to ensure there was uniformity in working and notating all reports.
Implemented a letter creation task in Workflow Manager, an automated system, to replace the hand mailing being done previously.
Implemented new letter system to efficiently contact members who failed CIP.
Senior Specialist 1 JP Morgan Chase
May 2018 – July 2019
Provided telephone support to a diverse customer base. Support included making product recommendations, responding to billing inquiries, handling complaints, etc.
Provided detailed information on services and products to customers for over 65 lines of credit.
Recommended service and product options to meet customer needs.
Conducted demonstrations and training on financial products provided by JP Morgan Chase.
Maintained records of all customer interactions and transactions.
Part of the first class recruited outside of Chase for this specialized unit.
Key Results:
Achieved performance objectives in all areas consistently.
Assisted hundreds of customers in finding ways to take advantage of credit card benefits during the California wildfires and the government furlough of 2018.
KYC/AML Compliance Analyst Citibank
June 2017 – April 2018
Reviewed financial statements for errors, discrepancies, and forged/exaggerated information.
Reviewed all account opening documents and screened for KYC/CIP discrepancies.
Analyzed Lexis Nexis alerts to detect patterns or trends that indicated potential fraud.
Prepared weekly/monthly reports on forensic investigation of departmental and organizational accounts.
Filed Suspicious Activity Reports (SAR) when necessary.
Built Source of Wealth (SOW) reports for businesses opening new accounts.
Conducted customer due diligence reviews when appropriate.
Coordinated with the regulatory agencies as required in reporting any OFAC or FinCEN matches.
Key Results:
Identified a beneficial owner involved in an illegal business. Since his portion of the account opening financing was not allowable, the account was closed.
Fraud Analyst Citibank
October 2014 – June 2017
Analyzed new accounts in reference to various fraud scenarios.
Validated account applications by verifying client identification and reviewing legal documents provided by clients.
Verified identification and legal documents belonging to clients applying for an account using various ID methods, computer programs, and legal document reviews.
Reviewed information provided by multiple banks on a shared fraud report.
Placed outbound calls to verify suspicious activity on account.
Reviewed new applications for potential fraud by using multiple internal and external computer programs and government websites to link suspicious applications to fraud rings.
Reviewed remote deposits on new accounts to confirm validity.
Assisted in training new team members.
Prepared various reports and logs as assigned by management using Excel and various internal computer programs, including SAR writing.
Selected to head the SARS reporting team (August 2016 - June 2017)
Key Results:
Reviewed and updated documented department procedures, including the procedure for opening new accounts.
Streamlined the fraud detection review process by implementing new practices outlined in the updated procedures, reducing average resolution time by 25%.
Fraud Supervisor/Analyst Citibank
August 2013 – October 2014
Took inbound calls pertaining to various blocked account issues and fraud account close outs.
Established full identification of clients using various computer programs and external resources.
Placed outbound calls to verify suspicious activity on accounts and requested documentation to verify identity according to the US Patriot Act.
Reviewed account activity to determine fraud risk.
Key Results:
Discovered a fraud ring by identifying similarities in disputed transactions and voices.
Promoted to a higher-level fraud team.
Education
Colorado State University – Global Campus – Criminal Justice with a minor in Finance
Expected Graduation: December 2027
References
References provided upon request.
Contact this candidate