Aml Analyst Fraud Investigator
Resume:
Tarcha T Jackson
*************@*****.***
PROFESSIONAL EXPERIENCE
FRAUD OPERATIONS – INVESTIGATOR (Contractor- Mbo Partners) June2022-December 2022
Conducting investigations of Fraud cases, documenting investigative findings, and determining whether the case should be escalated/referred for further review or action
Understanding and applying procedures, including procedural changes throughout the engagement, into the investigation
Analyzing transactional data and conducting internal and external research on subjects using a variety of research tools, Python, SQL and Excel.
Identifying scenarios which merit a suspicious activity report (“SAR”) to be file.
Accurately and thoroughly gathering necessary artifacts for SAR development.
Drafting SARs to be filed to FinCEN by clients, where necessary
Articulating findings in a clear, concise manner that considers the client’s risk appetite
Establishing effective working relationships with PwC teams and client stakeholders (as applicable)
Meeting production targets and quality standards
Maintaining a strong level of independence and time management skills
Maintaining high attention to detail
Reviewing and investigating customer profile information (PII, email, phone, etc)
Completing required training as assigned
Barclays Bank
Business Analyst (Contractor - EXL Service.com, LLC) NOV 2021 – MAY 2022
Investigated complex fraud cases including multi-channel and third-party cases related to Check, identity theft, elder financial exploitation, Money Laundering, Cash App, Fund Transfers, Wire, ACH, online Fraud, P2P payments, and loan Fraud.
Assess compliance with banking laws and reported suspicious entries and action.
Determine and implement additional steps, validating KYC risk compliance based on research of customer records, verification of account purpose and legitimacy, analysis of transaction activity
Responsible for SAR Prep/Filing - delivered consistent high-quality report writing and data analysis.
Ensured accuracy and detailed record keeping when updating, completing, and submitting cases and reports. Used multiple tools to fully analyze cases and ensure all information was recorded using multiple resources such as public records search as well as internal software and database.
Responsible for monitoring accounts and completing follow up reviews, escalating cases and referring alerts to other departments.
Worked with business partners to appropriately mitigate risk to the bank, by assisting in making decisions on account closures.
Responsible for maintaining relationships and close communications with networks consisting of law enforcement and financial institution contacts.
Experience with Cash Applications such as Fiserv,Wellfargo CEO,etc.
Strong Financial Services domain experience.
Knowledge of Credit Card and Payment Networking.
Expert in Documentation and process flows.
WELLS FARGO BANK
AML ANALYST /QA 3(Contractor-Strategic Staffing Solutions) AUG 2021-JAN 2022)
Responsibilities may include conduct comprehensive research and/or background investigations on transactions, individuals, entities, organizations or locations to identify. and mitigate associated sanctions, credit, financial crime, and reputational risks and thoroughly document findings. Review and analyze due diligence data from a variety of sources to determine overall risk.
Evaluate risks to determine permissibility under sanctions regulations and/or BSA/AML regulations.
Evaluate output from the Customer Due Diligence Group which includes Credit Investigations, Global Sanctions Screening & Reporting, and Enhanced Due Diligence Center.
KYC and Negative News review.
BANK OF AMERICA
FRAUD INVESTIGATOR JAN. 2020 – MAR. 2021
Responsible for reviewing cases submitted by team of Fraud Investigators, involving cases in check fraud, identity fraud, elder abuse, and purchasing scams.
Understanding of banking operations, such as process/practices and products.
Managed a group of Fraud Investigators ensuring they are meeting timelines on assignments.
Tracked assignments on excel data sheet, providing weekly progress to management and investigations team.
Knowledgeable of CTR’s and SAR’s reporting, as well as OFAC and Dodd-Frank requirements.
Responsible for ensuring the completion of Level 2 reviews or all work submitted by Investigators.
Assisted in developing training guides for new hires and assisted with new employee training.
Verified Bid Instructions for completion.
BEST BUY
Business Analyst SEPT 2019-JAN 2020
Researched, analyzed and investigated complex fraud cases involving bank customers resulting in potential loss.
Responsible for performing complex investigations involving fraudulent checks, and bill payments.
Detect fraudulent activity using banking software to research data and performing interviews with branches regarding customer activity.
Responsible of completing financial reports for each case assigned, consisting of determining net loss, and charge off amounts that required approval from VP.
Tracked assignments on excel data sheet, providing weekly progress to management.
Knowledgeable of CTR’s and SAR’s reporting, as well as OFAC and Dodd-Frank requirements.
Determine and implement additional steps, validating KYC risk compliance based on research of customer records, verification of account purpose and legitimacy, analysis of transaction activity.
Perform additional tasks as assigned, improving the effective administration of the AML and KYC Policies.
Compiled data, using excel spreadsheets and various banking tools to determine and file case with regulatory authorities such as FINCEN.
Researched created and distribute reports to upper management and directors informing them of net loss exceeding 100K.
Effectively discovered multiple situations in which investigations resulted in the discovery of Fraudulent Rings involving check cashing and identity theft.
Assisted management in developing training guides for new hires for various systems including Iris and Actimize.
Assisted with new employee training for incoming investigators, utilizing presentations and guides.
Utilized Bottomline, MS Excel, Word PowerPoint Outlook SharePoint to ensure assignments were completed accurately.
MIDSOUTH BANK
BSA/AML ANALYST (Contractor -Soft world Inc) OCT 2018 – APRIL 2019
Knowledgeable of BSA/AML/Compliance and the money transfer trends, suspicious activity cases and fraudulent activity affecting consumers and Agents, involving money transfers payments.
Able to create reports as directed or requested for locations that are classified as high risk using Western Union specific software and CMR systems.
Tracked assignments on excel data sheet, providing weekly and quarterly reports on progress to supervisor.
Working knowledge of CTR’s and SAR’s reporting, as well as OFAC and Dodd-Frank requirements.
Able to identify potential areas of compliance vulnerability and capable of providing recommendations to minimize these risks.
Able to analyze activity to assess risk, knowledgeable in AML Typologies and consumer trends.
Provided initial and ongoing training to new and existing agent locations fully reviewing AML Compliance folder emphasizing the importance of record keeping, monitoring, employee training, periodic reviews, BSA E-filing reporting and registration.
Knowledgeable of KYC, Sanctions, AML, Fraud, Payments and OFAC requirements.
Effectively discovered multiple situations in which investigations resulted in the discovery of Fraudulent Rings involving money laundering.
CAPITOL ONE
AML INVESTIGATOR II (Contractor-Vaco) MAY- 2018-AUG 2018
Assists in documenting and disseminating legal, regulatory and corporate policy requirements to department heads on a broad spectrum of topics including, but not limited to agency knowledge in CFPB,
FTC and or FRB (etc.); and regulation knowledge in FDCPA, GLBA, UDAAP, FCRA and
FACTA, Identity Theft, Global Privacy, BSA/AML/OFAC, ECOA (Reg B), TILA (Reg Z),
FTC Credit Rules, E-Sign (etc.)
Working knowledge of the above policies and regulations.
Responsible for staying abreast of regulatory issues and developments, evaluating impact on applicable exams, collaborating with the Consumer Compliance Manager on implementation and risk mitigation efforts. Examination of derivatives, asset liability management, Basel II & Basel III preferred Works with management to determine scope and examination
U.S. Small Business Administration -
Loan Officer DEC 2017 - May 2018
Investigate and evaluate credit history to determine credit worthiness of businesses and/or their principal owner(s).
Process home and/or business loans and make recommendations on collateral needed to secure loans. Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans.
Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.
Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.
Chase Home Lending - Lewisville, TX
Transaction Monitoring Analyst MAY 2009 - JULY 2017
Document and report the investigation findings and prepare case files with required supporting documentation (e.g., media search results, copies of statements/checks, results from internal system searches etc.)
Communicate with internal and external entities, including other Banking AML monitoring units. Collect and examine financial statements and documents to assist in identifying unusual transaction patterns.
Conduct research over available Bank systems, the Internet and Commercial Databases cons intensity the resolution of investigations.
Write and file Suspicious Activity Reports (SARs) and recommend relationship retention or termination and track account closures as required.
Interact with Senior Management on the Compliance, Legal and business sectors concerning AML issues.
Document all research and analysis conducted in the Case Management System.
Follow-up with additional Point(s) of Contact (POC) as needed to identify additional information in support of the case.
Liaise with other AML units, Legal, Advisory, Business Compliance teams and Law Enforcement when appropriate.
Skill in the design and execution of testing scripts and / or risk assessments.
Solid understanding of Third-Party Risk Management and Onsite Third-Party testing.
Ability to read, interpret and understand federal and state laws and regulations and guidance or operational risk principles/concepts.
SKILLS & ABILITIES
Thrive in both independent and collaborative work environments
Experience working in a sales environment and able to manage large customer portfolios
Experience working in Government Facilities
Familiar with SalesForce.com, Runzhimers, Motus, Workday, Concur Expense Reporting, iWatch, AS400
Exceptional organizational, oral/written communication skills and able to create reports using MS Word
Knowledge of anti-money laundering regulations within the banking/financial services industry
Proficient in Microsoft Office Program, able to create reports using MS Excel
Goal oriented, able to manage deadlines and manage projects to their completion
Effective in delivering presentation, knowledge of power point software
Able to interact with individuals from diverse backgrounds, and manage productivity
Capable of working from remote office without or little supervision.
Education
Eastern Hills High School - Fort Worth, TX 1991 to 1992
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