Bsa/aml analyst
Resume:
Claudia Mendez
Miami, FL. *****
***********@*****.***
PROFESSIONAL SUMMARY
• Prove it Scores: Microsoft Word 93%, Microsoft Excel 80%
• Over 15 years of diversified Banking BSA analyst, customer service, and administrative assistant experience
• Responsible for low, moderate and high-risk accounts, maintaining BSA, AML, KYC and OFAC programs including training
• Responsible for monitoring and maintaining daily reports such as Synergy to include OFAC Reports, CTRs reports, International ACH’s transactions, Structuring Reports
• Understanding identifying red flags
• Proficient in windows, Excel, Word and Word Perfect
• Attention to details and problem-solving skills
• Ability to multi-task and handle multiple deadlines
• Comfortable in a fast-paced, ever-changing environment
• Continuous desire to improve existing processes
• Highly organized
• Self-starter attitude and ability to exercise judgement and problem-solve with minimal supervision
• Strong written and verbal communication, bilingual in English and Spanish PROFESSIONAL EXPERIENCE
SunTrust - Miami, Fl. 03/2019 to Present
International Wealth Management
• Review client records (personal and business) to ensure they are compliant with CIP
(Customer Information Program) policy particularly
• Ensuring that names are captured properly on the bank system(s) in accordance with identification provided
• Review business client files and determine beneficial ownership certification required for each account (personal and business)
• Ensure that all identification (valid or expired) are properly scanned Clarien Bank – Miami, FL. 08/2016 to 01/2019
BSA Analyst Investigator
• Review PEP, cash, wire and ACH transactions generated through alert for personal and business accounts.
• Escalate any suspicious account generated through an alert to the investigation unit.
• Conduct Quality Assurant (Q.A) for Bermuda and Miami staff/analyst
• Provide bi-weekly report on Quality Assurant
• Provide training as necessary for Bermuda and Miami staff/analyst
• Travel when necessary for training
• Review escalated alerts with the investigation unit
• Send Request for Information (RFIs) to frontline staffs on investigations
• Worked with various programs such as, FISERV, Nautilus, Signature, Snagit, and Evolve ENB – Tamiami, FL. 08/2015 to 07/2016
BSA Analyst
• Review transactions generated through alerts for personal and business accounts.
• Open BSA Exception regarding account(s) in question.
• Escalate any suspicious account generated through an alert to the investigation unit.
• Scan any missing supporting document(s) related to the alert.
• Knowledge of Prime, Metavante, I-Check, I-Cold, E-Wire, IBS and I-Lockbox programs.
• Communicate effectively with primary account officers and/or second officers.
• Meet weekly with AML/BSA Officer to give an update on the status of the alerts.
• ACH monthly report.
IFB – Coral Gables, FL. 12/2014 to 08/2015
Investigation BSA Analyst II (permanent)
• Conduct Investigations for Personal accounts, Business accounts and early payoff Loans from Customer Activity Incident Reporting Form (CAIRF’s)
• Conduct Investigations for Personal, Business accounts from ECS Flag Monitoring (Monthly exception reports and daily reports)
• Conduct Investigations from Subpoenas, 314(a) hits, 314(b) requests
• Send Request for Information (RFI’s) to frontlines staff on investigations
• Frontline staff contact from RFI’s
• Assist with the 314(a) and 314(b) report.
• The investigation process consist in using the following programs lookback of 12 months transactions using, Macro, Sunbiz (for international accounts go to correspondent country and conduct a company search (ex. Superintencia de CIAS de Ecuador), Google search, OFAC, World Check (WC), Lexis Nexis, scanning of all the documents pertinent the investigation, such as KYC Forms, ID’s, Emails, Snapshot of Silverlake Identification
• Inquiry, I-Check, review of all accounts under the same CIF, research of all counterparties
• Recommend account(s) for possible SAR filing.
• Responsible for monitoring and maintaining daily reports such as Investigation log and Early pay- off loan log
• Perform as AML/BSA Manager when individuals are out (due to vacation / sick)
• Review monthly exception report
• Review daily transactions (Fraud Detective)
• Review alerts (personal and business accounts)
IFB – Coral Gables, FL. 09/2014 to 12/2014
BSA Analyst (contract)
• Update non-rated completion log to determine accounts status (closed, dormant, loans, etc.)
• Work on special project with AML/BSA manager, such as KYC write ups.
• Conducted account activity reviews for 15 months look back for non-rated clients from the BSA/AML standpoint in order to determine the purpose and risk of accounts. These reviews included CDD, EDD, KYC and reputational risk.
• Export transactions from Yellow Hammer, create excel sheet and pivot table, scan documentations such as KYC form, Identification(s), signature card, initial deposit.
• Review Worklist for personal and business accounts in order to determine if activity in the account was in line with the expected account profile.
• Conduct research to determine if account(s) are considered suspicious. RBC - Brickell, FL. 03/2014 to 09/2014
Finance –AML/KYC Operations Analyst (contract)
• Investigate personal and business accounts to determine Source of Wealth
• Recommend Relationship Manager (RM) to obtain evidence of the Source of Wealth (SOW) to a reasonable standard
• Reviewed thru RIBS establish personal and business accounts in the following countries/Islands: Mexico, Colombia, Ecuador, Venezuela, Panama, the Dominican Republic, Argentina, Spain, Bahamas and the British Virgin Islands to determine SOW.
• FATCA review of personal accounts to determine the correct form (W-8 or W-9) Bank of America – Hialeah, FL 11/2013 to 02/2014
Operations Specialist Fraud Department Analyst (contract)
• Investigate misrepresentation of retail account(s) of Social Security (SSN), thru previous mortgage investigation.
• Work with Prism search, Interact, Accurint and BOSS, to determine misrepresentation of SSN
• Scan all documents pertaining case
• Request of Document Control Number (DCN) from FINCEN to complete KYC (Know-Your- Customer) documentation
• Write amended suspicious activity report (SAR) when necessary Floridian Community Bank - Davie, FL 09/2011 to 07/2013 BSA Analyst/Administrative Assistant
• Review KYC (Know-Your-Customer) documentation for completeness
• Responsible for monitoring and maintaining daily reports such as Synergy to include OFAC Reports, CTR reports, International ACH transactions, Structuring Reports.
• Conduct research to determine if SAR is warrant
• Prepare CTR’s
• Complete daily reconciliation report comparing of cash in and cash out between ECS and Jack Henry
• Maintain Cash Log Report
• Logged all Declined and Exceptions report accounts (worklist report)
• Review all new accounts thru ECS (low, moderate and high risk) Scan any missing documentation for new or existing accounts thru ECS
• Assist CCO and AVP-Senior BSA Officer for upcoming audits
• Assist internal examiners with documentation needed, training of all new employees
• Assist with office duties as needed, arrange meeting and traveling arrangements when necessary
Girosol Corporation – North Miami Beach, FL 04/2008 to 09/2011 Administrative Assistant/Assistant Compliance Officer Supported Girosol of New York /Massachusetts/Kentucky locations
• Responsible for monitoring and maintaining daily, quarterly and semi-annual transactions activities
• Responsible for the Currency Transaction monitoring for all states, with reference to regulations, statutes, laws, acts and in-house policies and procedures and submitting the forms to the IRS
• Assist with regularity examinations, internal audits and ensure an adequate corrective action process
• Responsible for all high-risk accounts and maintaining BSA, AML, KYC and OFAC programs including training
• Prepare quarter BSA reports for all to include 800 plus agencies and prepare report for all states to obtain MSB State License
• Responsible for approval of new accounts, ensure that corporation exist in proper state, obtain credit report when necessary, obtain background check for personal and business accounts.
• Release of orders pending to be approved, fax or email require documentation to payer
(international or domestic) for order release
• Provide documentation regarding subpoena cases.
• Assist CEO with meetings, arrange traveling, provide all updates of the company, receive and answer emails, makes copies and scan when necessary Banco Santander - Brickell, FL 11/2006 to 04/2008
Assistant BSA Analyst (contract)
• Assist Sr. Compliance Officer and BSA officer in the development, implementation, and maintenance of the bank’s program including but not limited to training and assist for up- coming audits.
• Review all new accounts (Low and Moderate)
• Assist the CIF department to ensure that all the client’s information in the file was accurate. Transatlantic Bank Downtown Miami, FL 01/2002 to 11/2006 Assistant Compliance Officer
• Review all new accounts (Low and Moderate)
• Report any suspicious activity transactions
• Assist with the 314(B) report.
• Monitor established accounts (Low and Moderate)
• Help in CIF Department with scanning of documentations to ensure that all the client’s information in the file was accurate.
• Help with completion of board minutes
EDUCATION
High school graduate
Miami Dade Community College
Various AIB courses, Banking seminars and programs PROFESSIONALS DEVELOPMENTS
Proficient in windows, Excel, Word and Word Perfect Fluent in English and Spanish
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