VERONICA NURINDA

*** ** ** ****** *****, FL ***** · 305-***-****

adcp5d@r.postjobfree.com ·

PROFILE

Strong background in KYC, EDD, CDD, High Risk reviews, transaction monitoring, OFAC alerts and BSA related issues. Proficient in Microsoft Office, SAP, Oracle, Assist, Silverlake, X-Pert AML, Prime Compliance Suite, World Check, Lexis Nexis, Dow Jones, Norkom, Compliance Link, Patriot Officer, Global Radar, Natilus, Web Director, MC3, DCI, PARC and Payplus. Fluent in English and Spanish. Knowledge of USA Patriot Act and Bank Secrecy Act.

EXPERIENCE

05/2019 – PRESENT

BSA/AML/OFAC INVESTIGATOR (CONSULTANT)

• Analyze customer account transactions to detect suspicious activity and determine the need for SAR filings with the Federal Government.

• Worked cooperatively with local, state or federal authorities to investigate suspicious accounts.

• Worked cooperatively with internal departments and other financial institutions in order to obtain and analyze necessary information related to investigations.

• Provided needed support for special projects or critical casework as requested.

• Perform other related duties as required.

• Review wire referrals for possible OFAC matters and make determinations on how to proceed.

• Responsible for clearing OFAC alerts.

• Ensuring timely updates are being made on the investigations conducted.

• Assist branches, management and others on reviews of potential OFAC suspects, ensuring timely and documented response for each suspect case.

02/2018 – 04/2019

HIGH RISK CUSTOMER INVESTIGATOR, aMERANT BANK

• Provide a comprehensive understanding of the Bank’s clients and commitment to the integrity of the financial system.

• Ensure enhanced due diligence conducted on High Risk individuals and commercial entities in order to properly performed in order to mitigate AML/TF exposure.

• Perform independent periodic file reviews ensuring activities are consistent with the client’s profile.

• Perform research and analysis of the more complex High Risk customer candidates through public records, media and other research tools.

• Prepare and thoroughly document factual and impartial findings in an accurate and timely manner.

• Investigate potential suspicious activity, make risk-based SAR recommendations and prepare SARs.

• Compile appropriate case notes and documentation to support recommendations to file or not to file a SAR.

• Communicate with the branch and department managers, as necessary, in researching and investigating cases.

• Maintain working knowledge of the Bank Secrecy Act and other regulations that apply in order to investigate accordingly.

08/2017 – 02/2018

AML ANALYST, BANCO SANTANDER INTERNATIONAL

• Collect and analyze a wide variety of information related to system or manually generated alerts in order to identify persons and/or entities that may be laundering money or funding terrorism.

• Conduct comprehensive reviews within established processes/guidelines for High Risk clients and assess risk posed and provide recommendation to maintain/de-market clients based on assessment and risk of the client.

• Identify unusual activities and patterns across multiple products, analyzing and assessing information and referring all transactions that may related to money laundering or terrorist financing for further investigation or reporting as outlined in documented processes and protocols.

• Perform the investigations in a timely manner as required with well-reasoned and supported decision making of suspicious activity reports, including recommendation of whether a SAR should be filed.

• Provide support in the fulfillment of necessary reporting requirements by ensuring accurate documentation, timely deposition and provision of critical information assessment as required.

• Follow-up with additional point of contact as needed to identify additional information in support of the investigation.

05/2017 – 08/2017

OFAC SPECIALIST, AMERANT BANK

• OFAC Sanctions Screening of all incoming and outgoing wires.

• Due to time sensitive matter, complete screening within 24 hours to ensure the SLA is met.

• Hold and release wires for potential matches until clearance is granted.

• Identify, escalate and track risks in a timely manner.

• Investigate false and true positive hits by performing due diligence.

• Review and maintenance of list changes in accordance with sanctions, bank policies and practices to ensure compliance with laws and regulations list is update.

• Collaborate with management and assigned business partners to address any issues and concerns.

05/2017 – 08/2017

FIU/AML ANALYST, SANTANDER N.A.

• Investigations for High Risk customers (PEPs, Precious Metal Dealers and Foreign Financial Institutions, Weapons and Arm dealers etc.).

• 13-month transactions monitoring review period and escalate activities identified.

• Identify multiple significant cases, red flags and patterns associated with the laundering of illicit funds.

• KYC reviews and determine validation on information provided based on research of customer records, verification of account purpose and analysis of the transaction activity.

• Conducting enhanced due diligence research on individuals and/or commercial entities for new and existing customers (e.g. Lexis Nexis, Dow Jones and Google).

• Identify accurate risk rating for all customers and potential customers.

• Conduct reviews, research and escalate potential matches.

• Assist Relationship Managers with inquiries concerning documentation needed to conduct investigations, address any concerns and questions regarding Anti-Money Laundering issues.

• Maintain a strong investigative skill and ability to work independently.

• Participated in and provided support for special projects and initiatives regarding moderate to High Risk accounts.

08/2014 – 04/2015

KYC ANALYST, HSBC

• Perform analysis and maintenance of clients internal control, research account and client information.

• KYC Due Diligence review on existing, new and potential accounts.

• Assisted with a FATCA (Foreign Account Tax Compliance Act) project which entailed preventing US persons to use Non-US financial organizations and foreign entities to avoid US taxation on their income and assets.

• Review W-Ben and W-9 forms to ensure clients are following all US tax laws and procedures accordingly.

02/2012 – 08/2014

FINANCE/ACCOUNTING (CONTRACTOR)

Employed by various staffing agencies in order to assist in projects for companies such as ADP, Citi Bank, Itau Priviate Bank and Crompton Greaves. Listed below are duties performed for said companies

• Code payments for processing purchase requisitions on Oracle iProcurement and e-invoice.

• Accounts Payable, review transactions posted, payment authorization, preparing of exception and void forms.

• Review, analyze and approve/disapprove Travel & Expense reports, collect exception approvals and receipts on Concur Travel & Expense.

• Perform vendor management such as creating vendors in the systems, providing support documents and updating vendor information/payment.

• Managed and ensured all proper documentation for operating funds of all charitable contributions and events for the LATAM region in a quarterly basis.

• Billing, sales orders, purchase orders, payment requests and inter-company purchase orders on SAP.

• Process collections of administrative fees by wire transfer, ACH debit, or check.

• Monitoring of incoming wires, NSF’s and deposited checks.

• Research and analyze documents such as articles of incorporation, corporation resolution, master, trade, option agreements, W-8BEN, W-IMY forms to assure accuracy and compliance with the Customer Identification Program (CIP) and customer due diligence.

• Perform investigations and monitor accounts for any suspicious activity noted in account activity.

• Audit missing and/or pending documentation needed as part of the BSA regulations.

02/2008 – 02/2012

KYC ANALYST, OCEAN BANK

• Primarily responsible for ensuring all new client relationships undergo the appropriate client identification screening.

• Review and approve new KYC profiles and establish profiles including High Risk account and PEPs (Politically Exposed Person). Conduct enhanced due diligence reviews for accounts designated as Politically Exposed Persons and sensitive industries.

• Perform Enhanced Due Diligence such as World Check, Sunbiz and OFAC.

• Monitored transactions such as wire transfers, cash deposits, checks, ACH’s and EFT’s and note any activity considered suspicious to be referred for further review.

• Analyzed financial statements for all customers including foreign corporations in order to ensure the information and activities observed are consistent with the documentation on file.

• Reviewed supporting documents for Nonresidential Aliens and foreign corporations such as the articles of incorporations, offshore share certificates and personal financial statements.

• Reviewed offshore accounts, bearer share, tax-haven and shell companies.

• USA Patriot Act, Money Laundering Control Act.

EDUCATION

2008

BA WITH A CONCENTRATION IN FINANCE, FLORIDA INTERNATIONAL UNIVERSITY

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