Felicidad Frez

**** *** ******

Alameda, CA *****

Email: adl3ix@r.postjobfree.com

Cell: 510-***-****

Qualifications Summary

x Professionally experienced in working in fast-paced environments demanding strong, organizational, technical, and interpersonal skills x Trustworthy, ethical, and discreet, committed to a superior customer service x Confident in interactions with individuals at all levels and a team player x Detail oriented and resourceful in completing tasks and projects, able to multi- task effectively within define guidelines and time restraints x Good analytical and decision-making skills

x High level of accuracy and productivity and awareness of and adherence to company and regulatory deadlines

x Knowledgeable of laws applicable to Money Laundering, USA Patriot Act, OFAC requirements,Suspicious Activity Reporting requirements & Compliance Rules

Experiences:

Wells Fargo Bank 1901 Harrison St. 5th Floor Oakland, CA 94612 07/15- Present Due Diligence Associate

WFCO Onboarding Team

Process Onboarding Prospects on a wide range of entity types ensuring the accuracy and completeness of EDD information gathered in accordance with the Wholesale Customer Due Diligence Standards in all multiple Line of Businesses. This includes working with the Line of Business to gather and maintain documentation and information to ensure compliance with internal policies.

Review Customer Due Diligence Information for accuracy and investigate discrepancies to assure compliance with various bank policies, including but not limited to, USA PATRIOT Act, Bank Secrecy Act (BSA), OFAC, and Customer Identification Program (CIP).

Ensure all required AML/KYC Regulatory and Compliance policy requirements are fulfilled.

Responsible for monitoring a risk based compliance program to assure compliance with federal, state, agency, legal and regulatory requirements.

Conduct online investigations to screen customers with high risk and negative adverse news using Word-Check, OFAC, and Internet searches and disposition them with supporting data and analysis.

Identify high risk customers using BSA risk ratings and SARF, and escalate for Enhance Due Diligence when necessary.

x Responsible for the escalation of issues to the Financial Crimes Investigations Team. This includes filing Relationship Memos for High Risk Customers such as PEPs and high net worth individuals.

x Reviewed complex business ownership structures.

x Able to work both independently and collaboratively as part of a team within the Specialized Lending & Investment Risk Financial Crimes Team. x Proven ability to work on multiple tasks and fast paced deadline driven environment and handles multiple priorities and deadlines concerning review of high risk clients.

First Republic Bank Market St. San Francisco, CA

08/14-06/15 Item Processing Specialist

x Performs research and account analysis activities. Provides support to Bankers and Branches for research requests on client’s accounts. Managed daily report stats. Reviewed Mobile Check Deposits for accuracy, fixed errors in checks, take corrective actions based on judgment and releases checks. Charles Schwab & Co. 211 Main St. San Francisco, CA 4/14- 08/14 BSA/AML Analyst

x Monitoring alerts for money laundering & documenting findings x Identify suspicious activities through information on various accounts and through review of system generated alerts and reports. Gathered evidence supporting a reasonable suspicion of laundering, organized crime, or terrorist financing activities. Knowledgeable of the different scenarios of the red flags in Anti Money Laundering.

x Perform account and client analysis for transactions involving suspicious activity including, but not limited to structuring, check fraud, wires, ACH activities. x Document suspicious activity reviews for presentment to the Suspicious Activity Report Committee.

The Entrust Group 555 12th St. Oakland, CA

04/12-4/14 Cash Management Associate

x Processed all outgoing WIRES, ACH, PDEFT, check requests, voids, and stop payments. Initiated payments for client accounts via QuickBooks. Reviews and balances daily bank account activity to registers. Handles incoming and outgoing calls from clients or vendors regarding payments. Researched via online electronic storage system. Assures proper records are maintained and helped process or research client invoices, bills, and monitors account payables. Charles Schwab & Co. 215 Fremont St. San Francisco, CA 09/11-12/11 Tax Form Auditor

Tax Department

x Reviewed, analyzed, processed, and approved W-8 tax forms to ensure accuracy of information and made corrections if necessary.

Union Bank 555 California St. #300 San Francisco, CA 07/11-09/11 Contractor at Union Bank

x Did reconciliation and securities processing, processed corporate income actions in a high volume deadline with accuracy. Provided and escalated support on security issues.

Charles W Chan Insurance Agency, Inc. 58 Crest Ave. Piedmont, CA 09/10-07/11 Claims Adjuster

x Oversee day to day transactions.

x Processed other insurance transactions to provide customer service and support efforts to acquire and retain profitable business. Processed all claims. Investigated insurance claims by interviewing the claimants and consulting records. x Performed other related support duties, along with all general office duties. Charles Schwab & Co. Inc. 215 Fremont St. San Francisco, CA 04/93-10/09

Reorganization Department 01/16/07- 10/15/09

Reorg Corporate Actions Operations Specialist

x Responsible for processing allocations for the mandatory reorg deposits and custody for cash stock mergers, cash merger, stock mergers, reverse splits, exchanges, name changes and other corporate actions related information. x Processed book entry shares via electronically through direct registration system. x Balanced and reconciled stock record to payment allocation from Custodians, Depositories and transfer agents and balanced our General Ledger Account. x Reviewed and processed exceptional report items in our completed reorg box reviewing each certificate for registration/checking for restrictions and moving them to proper locations and boxes, determined if security is eligible to be moved from custody to free.

x Changed certificate registration from client to street name in a timely manner x Resolved and troubleshoot inquiries from field representatives and customers. x Worked closely with our clearing house DTC-New York & Alternative Investment.

x Processed all stock movements same day as depositories. x Followed up with our depository and agents investigating on aged items. Margins/Wire Transfer Department 04/16/93- 01/15/07 Margins Analyst

x Utilized knowledge of day trading rules/regulations, margin functions, dividends, extendable/non-extendable items, options and related functions within brokerage operations and trading.

x Communicated cross departmentally using propriety communication tool – comtracks to resolve issues and update account records, resolving all assigned issues within 24 hours.

x Continually ranked as a top team performer in resolution of issues and in level of accuracy.

x Prepared and disseminated up to 150 restriction letters per day advising clients of account violations. Identified inefficiencies and made recommendations to streamline the process.

x Analyzed margin loan and trading strategies to assess risk and ensure requirements met.

x Monitored accounts to be liquidated that fall beneath regulatory minimums and house requirements.

x Processed outgoing wires, check disbursements and ACH. COMPUTER SKILLS:

Proficient in PC and Mac environments

Windows NT and XP

Proficient in Microsoft Office Word and Excel

Exchange, Outlook, Internet search

Quickbook

EDUCATION: California State University of Hayward

B.A. in Business Marketing

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