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Financial Analyst Loan

Fort Worth, TX
October 05, 2019

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Primary skills

●Compliance – 8+ years

●Government Programs – 1+ years

●Administration – 10+ years

Professional Experience:

Softworld Inc, Dallas, TX

BSA/AML Analyst 10/2018-04/2019

●Dispositions all manual and automated alerts from the previous month to either close or escalate into a case investigation;

●Closes or escalates all alerts in no later than thirty (30) calendar days from the close of the previous month;

●Conducts daily manual reviews of system generated exception reports to identify potentially unusual or suspicious transaction activity for transactions that do not flow through the automated transaction monitoring system;

●Examines currency transactions for suspicious activity by monitoring for red flags;

●Reviews ACH transactions to ensure compliance with regulatory requirements, including BSA/AML, OFAC requirements and the NACHA among others;

●Reviews monthly system generated exception reports to ensure that ACH debits and credits appear as expected;

●Assist with practical and theoretical knowledge of market risk principles, concepts and policies, concepts and policies.

●Performs derogatory news searches on any accounts/relationships escalated during account onboarding.

●For confirmed derogatory news, escalates the customer along with details on the derogatory news and supporting information or documentation to the BSA/AML Officer for further review.

●Performs required EDD steps on high risk customers and use my ability to interpret, analyze and apply data/information.

●Maintained an advanced understanding of key inherent risk and risk management control practices to perform periodic analysis with critical reasoning for high management reporting.

●Performs initial and ongoing annual HRC EDD reviews and sends results to BSA/AML Deputy for review.

●Conducts site visits, as required, with BSA/AML Officer approval, completes and documents required information.

●Data analytics skills (e.g. SQL queries, manipulation of data within Excel, and SAS).

●Maintains the "Annual EDD Review List" that indicates past MidSouth customers that pose an undue amount of risk to the Bank, and accounts should not be opened for.

●Skill in the design and execution of testing scripts and / or risk assessments.

●Solid understanding of Third Party Risk Management and Onsite Third Party testing.

●Ability to read, interpret and understand federal and state laws and regulations and guidance or operational risk principles/concepts.

Vaco, Plano, TX

AML Investigator II 05/2018 -08/2018

•AML Investigator II.

• Assists in documenting and disseminating legal, regulatory and corporate policy requirements to department heads on a broad spectrum of topics including, but not limited to agency knowledge in CFPB, FTC and or FRB (etc.); and regulation knowledge in FDCPA, GLBA, UDAAP, FCRA and FACTA, Identity Theft, Global Privacy, BSA/AML/OFAC, ECOA (Reg B), TILA (Reg Z), FTC Credit Rules, E-Sign (etc.).

• Working knowledge of the above policies and regulations.

• Responsible for staying abreast of regulatory issues and developments, evaluating impact on applicable exam, collaborating with the Consumer Compliance Manager on implementation and risk mitigation efforts.

• Examination of derivatives, asset liability management, Basel II & Basel III preferred.

• Works with management to determine scope and examination techniques required to assess the area of compliance.

• Contacts business management to identify areas needing review and to arrange examination steps and timetable.

• Reviews a variety of documentation, examines methods and systems, and interviews personnel to obtain information on actual practice.

• Compares practice with regulatory and internal requirements to identify variances.

• Determines areas where corrective action is required.

• Aids in preparation of written reports on examination findings and recommendations.

• Performs compliance examinations independently, as needed, or in conjunction with variously assigned personnel, occasionally acting in a lead capacity.

• Prepares and presents conclusions and recommendations to management.

• Stays current on company policy and regulations impacting company business.

• Revises regulatory policies and procedures with appropriate testing to ensure compliance across all business units.

• Works with business units to ensure accurate and timely implementation of corrective actions.

• Develops supplemental compliance training materials as needed for new and existing items.

• Communicates findings/concerns, both verbally and in writing, to management.

• Special projects as requested including internal investigations and consultancy work.

• Performs other duties as assigned.

U.S. Small Business Administration, Fort Worth,Tx Loan Officer 12/2017- 05/2018

●Investigate and evaluate credit history to determine credit worthiness of businesses and/or their principal owner(s).

●Process home and/or business loans and make recommendations on collateral needed to secure loans.

●Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans.

●Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.

●Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.

●Respond orally and/or in writing to applicants or their representatives.

●Worked in Home Loans, Business and Commitment department.

Chase Home Lending, Irving, TX Transaction Monitoring Analyst 5/2009-July 2017

●Document and report the investigation findings and prepare case files with required supporting documentation

(e.g. media search results, copies of statements/checks, results from internal system searches etc.) ● Communicate with internal and external entities, including other Banking AML monitoring units.

●Collect and examine financial statements and documents to assist in identifying unusual transaction patterns.

●Conduct research over available Bank systems, the Internet and Commercial Databases consistent with the resolution of investigations.

●Write and file Suspicious Activity Reports (SARs) and recommend relationship retention or termination and track account closures as required.

●Interact with Senior Management on the Compliance, Legal and business sectors concerning AML issues.

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

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

●Liaise with other AML units, Legal, Advisory, Business Compliance teams and Law Enforcement when appropriate.

●Skill in the design and execution of testing scripts and / or risk assessments.

●Solid understanding of Third Party Risk Management and Onsite Third Party testing.

●Ability to read, interpret and understand federal and state laws and regulations and guidance or operational risk principles/concepts.

Regional Acceptance, Arlington, TX Underwriter 11/2006-5/2009

●Approves or denies mortgage loans, following mortgage standards.

●Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards.

●Evaluates acceptability of loan to corporations that buy real estate loans on secondary mortgage markets, where existing mortgages are bought and sold by investors.

●Approves or rejects loan application, or requests additional information.

●Records loan rejection specifying investor and institution guidelines and basis for declining application, such as insufficient cash reserves.

●Assembles documents in loan file, including acceptance or denial, and returns file to originating mortgage loan office.

●May be authorized by Federal agency to certify that mortgage loan applicant and property qualifies for mortgage insurance endorsement from federal government.

Computer Skills:





●Lexis Nexis










●FINRA knowledge


●FTC Credit Rules











●Identity Theft

●Global Privacy








Eastern Hills High School

● Diploma

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