YANICK N. NKASHAMA

CELLPHONE 682-***-****,adtyv8@r.postjobfree.com, DALLAS TEXAS

SUMMARY:

•Banking experience with FIU Investigation, AML, SAR, Fraud Investigations, retails or consumers, monitoring, review & transaction processing with knowledge of Treasury Management Products.

•Familiarity with financial services regulatory environment

•Familiar with SAS, Verafin, SQL, BOSS Systems, Wire transfer, Focal point, and Cash Pro.

•Ability to take direction and execute in a fast pace environment and good communication skills

•French native, self-motivated, multitasking inclined, Strong analytical and organizational skills pertaining to high risk activities.

•Investigations experienced in a Money Service Business Proficient with computers ability to navigate multiple computer systems while interacting with customers and developed sense of integrity and commitment to customer’s satisfaction.

•Ability to think critically and use good sound judgment in decisions making Excellent time management, also ability to perform tasks with minimal supervision.

•Some knowledge of domestic and international high risk countries, jurisdictions, and corridors of AML/CTF concern.

Skills:

•SAS, SAR, Verafin, Mantas, RPA, Boss, Cash Pro tools, CDL, Lexis Nexis & Nice Actimize, SQL, Microsoft Excel and Word.

Education:

•High School Diploma, In process for a Certificate in Technology Entrepreneurship: Lab to Market at UNIVERSITY OF HARVARD.

Work Experience:

SR BSA/AML COMPLIANCE ANALYST, PROSPERITY BANK, PLANO TEXAS MAY 2022 – PRESENT

•Responsible for performing review adverse media and other name screening functions for Low, Moderate and High Risk individuals and entities to ensure compliance with the Bank Secrecy Act and the US Patriot Act.

•Accountable for pulling daily transaction, weekly or monthly spent trend reports and to identify, and completes all investigation outputs

•Managed client onboarding verifying the identities and financial circumstances of prospective clients to ensure compliance with AML (Anti-Money Laundering) legislation and Customer Due Diligence (CDD) requirements.

•Also submitting daily report cases with SAR for an approval from the higher management.

•Write and prepare Suspicious Activity Reports (SARS) in accordance with regulatory requirements using Verafin.

•Working escalations alerts, suspicious items, and able to provide a detailed disposition.

•Extensive BSA/AML experience able to identify suspicious activity, follow the document procedure to disposition the alert as a “no file” or escalate the alert for a suspicious activity report filing.

MUFG/KYC, COMPLIANCE AND RISK ANALYST, UNION BANK TEMPE, ARIZONA OCTOBER 2021 – APRIL 2022

•Ensure ongoing reviews of assigned portfolio are conducted according to Bank policy.

•Creating SAR on each case worked if it’s needed on daily work production based on Bank policies and requirements.

•Direct responsibility for quality and integrity of research and analysis completed and documented via Know Your Customer forms or within various databases.

•Identify emerging risk issues and recommend course of action in most events, with direct oversight from manager or higher level Specialist.

•70% conduct and document review of adverse media and other name screening functions. Review customer accounts for appropriate risk, analyze risk, identify issues, and validate information from bank systems and against third party resources to disposition alerts.

•Ensure ongoing record keeping and preparation of reporting to management is kept current. Complete alerts or monitoring assignments within CTS timeframes and in accordance with unit quality standards for completion and documentation.

•20% Maintain effective working relationships with line of business to obtain and validate client data 10% CTS department support.

LEAD SPECIALIST FRAUD ANALYST AND COMPLIANCE, KEY BANK DALLAS, TEXAS (AUGUST 2020 – SEPT 2021)

•Conducted quality control of client new account documentation ensuring client accounts conform to the firm's Anti-Money Laundering (AML), Know Your Client (KYC) policies, and regulatory requirements.

•CCAR responsible for overseeing annually and quarterly stress testing process, generating and presenting and presenting on metrics during each cycle to support transparent communication with Sr. Management and final quality control checks for each cycle.

•Work with workstream project teams to plan, coordinate and monitor program status (issues/risk tracking/escalation, scorecard/metrics)

•Utilize standard program processes, templates, and tools for program delivery.

•Investigate, review, ensure proper Lawful reports documentations and procedures are used for moderate, and Suspicious activities reports.

•Identify, resolve moderate issues by following established guidelines and refer more complex problems to senior level and Executives.

•Administers moderate procedures, analysis, tasks and reporting while receiving limited instructions for filing, recording, processing, servicing, and organization of documentation associated with the fraud and dispute process.

•Provide service in relation moderate complex dispute claims/inquiries, service requests, suggestions and complaints from customers.

•Performs research of customer disputes regarding electronic transactions including ACH, Credit/ Card Debit Card, Online transfer, ATM/PIN and Internet Banking/Bill Pay using a variety of systems.

•Responsible for issuing provisional credit, processing chargeback’s, processing letters and handling incoming re-presentments and arbitration cases.

SR AML FRAUD ANALYST II/ TREASURY FRAUD MONITORING, BANK OF AMERICA, DALLAS, TEXAS (OCTOBER 2019 – JULY 2020)

•Reviewing and Investigating client’s accounts wire transfer for the prevention or detection of possible Fraud and AML included.

•Wire transfer, ACH, CashPro service, Pyton, Malware, and Online Banking Service(OLBS).

•Research, report and analysis of account’s activities to assess levels of risk and fraud type.

•Complete inbound and outbound calls and take appropriate action based on transactions.

•Perform back office functions related to research and resolution of fraudulent activity and service support.

•Write and prepare Suspicious Activity Reports (SARS) in accordance with regulatory requirements.

•Assist and provide information to support Suspicious Activity Reports (SAR) or equivalent for regulatory filing.

•Responsible for developing and enhancing governance processes to improve efficiency, transparency and control.

•Ensure alignment with standards and compliance with key regulatory requirements. Three teams within Capital Planning Governance are expanding at the moment.

•Responsible for strengthening overall governance and controls related to Basel / Spot RWA. The strategic objectives and priorities of the Basel Governance.

•Assesses the level of risk and makes decisions which directly impact the customer experience and risk to Bank of America.

•Review and analyze accounts and customer situations that may require differentiated treatment or specialized resolution. Such as closing or changing of the account information.

•Experience is gained through training, following established procedures and guidelines and research utilizing multiple systems and tools. Typically reports to Fraud Detection/Prevention Supervisor.

SR CLIENT TECH SUPPORT REP II/CHARGED BACK & FRAUD CARD SERVICES, FISERV IRVING, TEXAS (APRIL 2019 – AUGUST 2019)

•Card Services from Fiserv provides complete Debit, Credit and ATM payment services to financial institutions as well as Accel®, a premier Fiserv payments network. The bulk of Card Services solutions are centered on partnering with FIs to provide end to end debit/credit transaction processing solutions;

•FIU Investigation, applying Regulation E and Z while working claims as required.

•Performs analysis and chargeback input for a queue of clients: reviews and processes dispute/fraud claims in a timely and accurate manner in support of the department’s Service Level Agreements while maintaining awareness of Visa, American express or MasterCard processing timeframe, regulations, and processing changes.

•Provide support for Account Executives as assigned and Share best practices with other customer service claim teams.

•Participate in and support company-wide initiatives such as continuous process improvement in order to improve service, reduce costs, and improve quality.

•Participate in meeting team goals for service, quality and cost. Issuing credit thru Visa or MasterCard, disputes, Arbitration on fraud or Non Fraud case, declined claim when it’s needed.

•Act as the primary Chargeback contact and provides support of Fiserv clients’ card portfolio chargeback programs (debit, credit, prepaid).

•Maintains strong working knowledge of all internal and network processing systems and software as well as Regulation E and Retail card processing timeframes and regulations.

•Resolve moderately complex issues on behalf of clients in support of dispute resolution processing; compare alternative actions and decide on appropriate approach.

SR. FRAUD ANALYST TIER 3, MICROSOFT LAS COLINAS, TEXAS (JULY 2018 – FEBRUARY 2019)

•Advanced Capability Advocate and fraud prevention account takeover, handling Module for Devices (MSA), X-Box 360, S, One, X and Online Microsoft account, Escalations cases from the frontline;

•Accounts takeover (ATO), verify ownership of any (MSA) from any online or physical attacker.

•Fraud prevention, Security, identify suspicious activity, Investigate claims, lawful and reporting.

•Identifies, researches, and reports suspicious activity, cooperate with various internal departments as necessary. Perform other duties and responsibilities as assigned.

•Create new claims, secure account, file claims, and remediate damage, swap accounts attacked to new (MSA) and issue refund if it’s needed.

•Recovering (MSA) providing new updates made on the account, track devices via IP address or device synchronization, block hacker’s access into the account.

•Review all console Device activities or (MSA), transfer all subscriptions or family member.

TEAM LEAD - FRAUD ANALYST LEVEL 2 AND COMPLIANCE (FRENCH & ENGLISH), BANK OF AMERICA FORTH WORTH, TEXAS (MAY 2017 – OCTOBER 2018)

•Fraud prevention, Investigating suspicious activity reporting SAR, and ensuring appropriate lawful documentation of all research and analysis is conducted in accordance with applicable record keeping guidelines. Using SAS, Boss system, Lexis Nexis for further research.

•Receiving escalation (AML) cases as appropriate for advanced investigation, lawful and analysis. Writing and file Suspicious Activity Reports(SAR), and apply appropriate risk mitigation.

•Review and analyze transactional data for potential suspicious activity, file Claim after appropriate Investigation and Liaise with various internal departments as necessary.

•Coordinating with team members and other departments to determine the proper course of action in handling potentially suspicious activity as required by applicable global regulatory, law enforcement or, Financial Intelligence Units.

•Write suspicious activity reports; file Currency Transaction Reports (CTR's), address sanctions alerts, and other applicable processes in accordance with regulations.

•Place a temporary block on the Debit card and remove restriction once transactions have been verified and approved by the client.

ACCOUNT REPRESENTATIVE SPECIALIST COORDINATOR (FRENCH & ENGLISH), NERIUM INTERNATIONAL ADDISON, TEXAS (JULY 2014 - DECEMBER 2016)

•Network marketing direct sale, handling requests from customers in a professional manner and ensure issues are resolved promptly and thoroughly in the best interest of both customer and company.

•Maintenance of balance between company policy and customers benefits in all decisions, and perform other duties and responsibilities as assigned.

•Compliance, Initial Claim, Fraud and Compensation (Commissions and bonuses).

•Analysis, research advanced and resolution of fraudulent activity to any brand partner’s account or Preferred customers. System troubleshooting (Brand partner’s website/Back office).

•Billing, track order status, Order placement, Data entry and shipping status.

CONCIERGE TEAM AND TECHNICAL SUPPORT (FRENCH & ENGLISH), ANOVIA PAYMENTS LAS COLINAS,TEXAS (AUGUST 2013 - JUNE 2014)

•Arranged device pricing, schedule, and some other related issues with Brand partners, small businesses, Companies and preferred customers.

•Performed clerical, worldwide selling to variety clients, and proposing credit/debit card machine with the premier pricing program. Perform other duties and responsibilities as assigned.

•Technical support issues, troubleshooting and installation of the Device (Debit card machine)

•Execute and complete with quality and client focus to ensure successful installations that meet or exceed expectations.

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