Marissa Gonzales

(***) ***- ****

addjsi@r.postjobfree.com

With over 8 years of experience in the financial regulatory compliance industry, I have the experience and expertise to advise clients across a broad spectrum of anti-money laundering, counter terrorist financing, and regulatory compliance needs. As a Compliance Consultant, I focus on compliance within BSA/AML regulations, risk management, and mitigation, transaction monitoring, OFAC sanctions, KYC/CDD/EDD, financial investigations, and SAR writing.

Compliance Risk Concepts (Bank of Hope), Los Angeles July 2019 – July 2019

BSA/AML/OFAC Quality Assurance Specialist

Prepared and audit reports and document work performed.

Gathered large volume of data and developed practical AML/OFAC effective solutions.

Developed and reviewed audit programs

Performed testing procedures and samples, pertaining to KYC, and EDD reviews.

Performed audit reports and conducted recommendations pertaining to OFAC VRM Vendor Risk Management.

Infinity Consulting Solutions (Mega Bank), New York, NY March 2019 - April 2019

Senior EDD/OFAC Sanctions Specialist

Reviewed real-time or in-process high risk accounts, with potential OFAC matches to ensure compliance with OFAC sanctions.

Conducted high risk enhanced OFAC due diligence reviews and investigations related to money laundering, terrorist financing, and OFAC related violations.

Compiled and record documentation for each investigation.

Communicated with internal lines of business and management to verify accuracy of customer information and determine if activity in question complies with economic sanctions and / or federal law.

Investigated matters where unusual activity occurs to determine the reasons for the activity.

Prepared reports and escalate significant risks and issues in a timely manner.

Kept abreast regulatory updates and incorporate process and procedural changes to department policies and procedures

Michael Page (Shinhan Bank of America), New York, NY December 2018 -February 2019

Enhanced Due Diligence (EDD) Risk Analyst

Performed enhanced due diligence (EDD) reviews of all assigned high risk customers. Use customer risk scoring models in accordance with departmental processes and procedures.

Conducted data analysis/mining to identify high risk customers.

Documented EDD review findings in the appropriate database to include all pertinent fact and information such as the preparation of narrative reports summarizing actions, findings and recommendations for next steps.

Completed EDD reviews in a timely and efficient manner. Suggested process enhancements and/or escalating alerts or other adverse news screening.

Assisted with the preparation and delivery of ad-hoc BSA/AML and OFAC compliance training bases upon changes in regulatory requirements and/or emerging typologies.

Maintained awareness of regulatory updates and incorporate process and procedural changes into the EDD review process as directed by management.

Grant Thornton LLP (CBBank), Los Angeles, CA October 2018 -November 2018

Risk Compliance Auditor -remote

Liaise among Audit Committee, internal audit provider and bank management for internal audit activity.

Managed compliance program (policy) and procedures based on the regulation change or the need to be updated.

Implemented compliance risk assessment.

Established the annual consumer compliance monitoring program and monitor and test items based on the monitoring plan.

Adecco (Bank of America), Westlake Village, CA August 2018 – September 2018

Fraud Investigator

Reviewed incoming referrals for possible regulatory reporting and/or full file investigation.

Identified red flags related to the various fraud types for retail banking or credit card products such as fraudulent checks/unauthorized withdrawals, electronic transfers, identity theft, online banking fraud, and debit card fraud.

Identified, investigated and documented usual activity relative to current and or prospective customers.

Skilled in prioritizing assignments to complete work in a timely manner when there are changes in workload, changes in case assignment, challenges with meeting, deadlines, competing requirements, and familiar with working in high volume production environment.

KForce (Bank of Hope), Los Angeles, CA June 2018 – July 2018

Transaction Monitoring Analyst

Reviewed and investigate alerts through AML monitoring system. Researched and made determination about disposition and further necessary action, through detailed investigation of individual transactions.

Reviewed and monitored client accounts for potential matches to designated sanctions targets and prohibited persons’ lists

Navigated through banking systems to obtain account statements, transaction histories, wire transfer details and check images related to each investigation.

Clearly interpreted and narrated the suspicious transaction activity for a specific alert. Distinctively identified, mitigated or escalated BSA/AML red flag/s that caused the alert as per procedures.

Expanded transaction research and analysis if required and clearly distinguish between layering and integration activity in complex transactions and in accounts with multi-product portfolios.

Monitored and reviewed OFAC screening results in compliance with OFAC regulation and procedure.

Conducted due diligence searches in various third-party and internal databases

Investigated potential suspicious activity arising from account surveillance, branch escalations and Grand Jury subpoenas. Drafted filing of Suspicious Activity Reports

Alvarez & Marsal (Coinbase), San Francisco, CA July 2017 – February 2018

AML Associate (GDAX) - remote

Conducted daily, weekly and monthly monitoring of trade surveillance and develop and implemented surveillance reports as required.

Updated staff and team members of regulatory and market structure changes that may affect the scope of the existing surveillance.

Stayed up to date with SEC/FINRA/CFTC regulations as they would relate to GDAX

Developed and implemented policies and procedures to encompass GDAX operations

Represented GDAX to regulatory authorities and coordinator responses to the agencies as and when required.

Collaborated with other Key Compliance individuals like the Outreach Manager as well as the BSA Officer and others to design and implement policies and procedures and processes relating to transaction monitoring, KYC, EDD and tuning thresholds to optimize investigations.

Provide clarity to teams on-boarding institutions and be the escalation point for any issues or risks arising as part of the on-boarding.

First Rate Staffing (Ria Financial/HiFx), Buena Park, CA September 2016 – November 2016 AML- Account Onboarding Associate

Conducted AML/CTF/Fraud reviews using systems and tools, on high risk clients

Reviewed screening and PEP/ Sanction referrals to confirm and clear suggested matches

Used internet research and compliance systems and tools to gather and interpret key information for mitigating risks and decision making

Escalated complex cases to compliance manger where required

Established and maintained strong working relationships with business teams (sales, operations)

Maintained up to date knowledge and understanding of AML compliance regulations

Monitored proposed changes to AML compliance regulations that may impact the business

Completed relevant and mandatory internal and external training and continued professional development to remain fully competent within own role

Assist with ad-hoc AML compliance activities and request

Assist compliance team with account monitoring, updates and reviews

Dixon Hughes Goodman LLP (Capital One), Wilmington, DE April 2016 – July 2016

Sr. AML Investigator I

Reviewed regulatory filings by financial institution.

Researched compliance and data anomalies.

Close-Out case files when no issues found.

When necessary gathered further information in order to make final determination of compliance.

Report and summarize findings.

Reviewed system generated alerts to assess presence of illicit activity that may require reporting based on Bank Secrecy Act (BSA) AML requirements, conduct research as required, and document detailed results in written format.

Wrote suspicious activity reports, files Currency Transaction Reports (CTR’s), addressed sanctions alerts, and other applicable AML processes in accordance with regulations and time limitations.

Escalated issues as appropriate for advance investigations and analysis

Build and maintained awareness of broader context and implications of the various types or risk affecting the business.

Validated qualify draft Suspicious Activity Reports via FinCEN software for various business.

KForce (Bank of the West), San Ramon, CA October 2015 – March 2016

BSA/AML Analyst II

Analyzed High Risk Customer accounts to confirm that appropriate documentation, licensing, and KYC measures have been taken on these accounts.

Communicate with frontline (banking sales reps) if there is incomplete or missing information tied to these accounts.

Examined and researched accounts in internal and external databases to identify which information is complete, missing, inaccurate, etc.

Conducted Quality Assurance examination of existing information tied to accounts.

Work with frontline on accounts that must be shut down due to inability to obtain critical information or accounts that must be put on hold.

Performed data entry and database maintenance for this information.

Performed customer due diligence (CDD) and enhanced due diligence (EDD) as needed, for depository customers.

Evaluated the validity and reliability of the CIP, CDD or EDD information gathered by conducting moderately complex searches of informational databases and other research sources. Interacted with business line personnel to understand client behavior and communicate activity of interest and/or concern.

Applied my knowledge of patterns and trends related to money laundering and terrorist financing to customer relationships that may pose a higher risk to the bank.

Retrieved and reviewed financial transactions to identify activity commensurate with customer relationships that pose a higher risk of money laundering or terrorist financing such as money service businesses, third party payment processors, customers with self-owned ATMs, cash-intensive businesses and professional service providers.

Applied research and investigations strategies to assess customers for BSA risk and assign risk ratings. Conducted ongoing monitoring/analysis of customers for possible changes to risk rating and prepared accurate and timely completion of decisions as to whether to change risk ratings or exit customer relationships.

Researched high risk monitoring alerts or exception reports to ensure appropriate documentation of resolution of alerts or exceptions and includes a clear audit trail of the disposition steps.

Recommended and escalated unusual or potentially suspicious activity to AML group for investigation and SAR filing.

Network ESC (Banamex USA/Citi Group, Century City, CA January 2015 – October 2015

BSA/AML-Intermediate Compliance Officer Analyst -partial remote

Created and tracked also managed the creation of Manual Alerts.

Conduct research over available Bank systems, the internet and databases consistent with the resolution of investigations.

Obtained the appropriate collection and examination of financial statements and documents to assist in identifying unusual transaction patterns.

Document and report the investigation findings in the case management system (managed through both manual and automated processes) and prepare reports to management as required.

Reviewed and prepared at the guidance of the BSA Officer Suspicious Activity Reports (SARs) and recommend relationship retention or termination, and track account closures as required.

Conduct quality assurance reviews of case files, tracking logs and various AML processes.

Promptly escalate critical or reputational risk matters to BUSA and affiliates.

Monitor Know Your Customer (KYC), OFAC, cross-border wire transfers, and currency activity, 314(a) requests.

Analyzed and reported on trends to Senior Management

Additional responsibilities include interacting and communicating with internal and external entities and their senior managers, relationship managers and other global Citi AML monitoring and compliance units.

Maintained, developed, and tracked escalated SARs for closure review.

Escalated accounts and relationship to be closed.

Maintained the SAR database closeout report.

AML Compliance Name Screening.

OFAC match clearance.

Developed and maintained local compliance listing.

Testing for compliance listing.

Preformed Due Diligence for escalated accounts

Provided weekly & monthly reports to senior management on account closures, and manual alerts.

Continued to streamline operational procedures while implementing new controls and companywide system migration.

Developed asses and improve the bank’s department on a regular basis regarding AML compliance concerns.

Met with business and other bank departments on a regular basis regarding AML compliance concerns.

Provided senior management with solutions to AML related issues in account closures, operations, retention, review and escalation.

Maintained records of all AML compliance accounts tracking, and listing.

Developed AML compliance procedural documentation

Provided assistance in AML compliance related projects as needed.

Communicated with Bank personnel and management on CDD/EDD deficiencies detected during the account monitoring process.

Thorough knowledge of regulations as applied to BSA, OFAC, FinCEN, and AML.

Crescent Solutions (Bank of America), Westlake Village, CA May 2012- March 2014

AML-Consumer Compliance Analyst Tester

Ensured Card Credit (Consumer Credit & Small Business Lending) adherence to regulatory requirements and laws and serves as an independent review to conduct transaction and process review testing, internal control validations, and analytical assessments across the Card Credit space.

Responsible for conducting transaction and process testing and analyses to evaluate the effectiveness of Line of Business controls to assess risks to key business objectives.

Analyzed Branch and Transaction monitoring.

Experienced in developing and improving AML Programs through direct involvement in Compliance, Operations or Technology.

Conducted analysis of AML Monitoring system generated alerts. Determined if the alert should be cleared or if it requires further investigation based on findings.

Researched over available bank systems, the internet and various databases in an effort to support the investigative conclusion.

Conducted quality assurance reviews of case files, tracking logs and various AML processes

Performed testing of Card Credit transactions and processes to ensure compliance with relevant government requirements and regulations.

Assisted with preparation of compliance testing and issue trending results and communicate findings and recommendations to Testing Team Lead.

Tested analytics included but not limited to small business credit existing and acquisition accounts.

Quality assurance in call monitoring, and recordings.

Audited existing residential loans ensuring compliance with FHA as well as investor policy and procedures.

Audited the underwriting process for FHA Non-HAMP/HAMP waterfall treatment options for potential errors and/or omissions; process and acquires all income calculations for underwriting process.

Assisted team in gathering and organizing data that helps track, report and manage internal control gap issues and mitigation plans.

Audited all required FHA loans documentation

Performed qualify control audits; work with internal QC/QA partners and business partners

Compose rebuttals for overturned failed audits

Assisted with retention analysis/development of recommendations.

Reported all investor segments (FHA, SFO, HFI, FNMA, VA) to ensure bank compliance.

Provided analytic underwriting within an internal control environment within a set of service level agreement

Developed standardized method of implementing researching and analyzing complex loan modification data to be used in project related activities in day –to-day operation of department and business unit.

Maintained the integrity of data reporting for multi-level spreadsheet to submit to the highest level of upper management.

Researched and document discrepancies with the modification process using different platform

Resolved complex issues using knowledge investor guidelines.

MANAGEMENT SOFTWARE

AS400, iPortal, Lender Processing Services, Lotus Notes, Loan Admin Mortgage Portal (LAMP), Loan Modification Portal (LMP), Loss Mitigation Software (LMS): Homesaver, QuickBooks, SharePoint, Triton, Superstations, Host Applications, Credit Decision System, ICDP. NICE 3.5, TSYS, MBNA-IS, MAS500, Actimize, Patriot Officer, SAR Database, Metavante (FIS), CitiScreening, LexisNexis, Liberty, Synergy, Lync, MOC, Marketplace, PRIME, FIS, Horizon, Citrix, PACER, IRIS, TouchPoint, Snag It, Vigilance, Imagesoft, Salesforce, CLEAR, Aither, Thomas Reuters, BAM, SAM, Bankers Toolbox, Navigator, BAM+, WorldCheck, IMS, Vizio, Verafin

SKILLS

Always Exceed Expectations

Strong analytical & research skills

Highly Organized

Self-Motivated & Goal Driven

Strong Attention to Detail

Superb Communication Skills

ACAMS – Member

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