Michelle Holzman

adyduj@r.postjobfree.com

303-***-****

https://www.linkedin.com/in/michelle-holzman-42b6886/

Summary

An analytical and results-driven corporate compliance professional with demonstrated experience in Anti-Money Laundering Investigations, Countering Terrorist Financing Investigations, Fraud Investigations, and Financial Crime Investigations. Well versed in Know Your Customer (KYC), Enhanced Due Diligence (EDD), Onboarding, Suspicious Activity Reports (SAR), and quality assurance practices. Recognized as subject matter expert in Bank Secrecy Act (BSA) and USA Patriot Act. Trained in REID investigative interviewing. Well-versed in AML and financial crime laws and regulations. Possess a proven aptitude for collaborating with cross-functional teams, building successful policies and programs, ensuring accuracy and compliance, and consistently achieving goals.

Work Experience

Vaco Staffing

Quality Assurance, Fraud Investigations

Sep 2022 – December 2022

Review completed fraud investigations for accuracy, thoroughness, and to effectively mitigate risk • Request edits as required • Ensure all documentation is available and saved under proper naming conventions • Made recommendations to improve policies and procedures • Meeting all requirements and activities related to Suspicious Activity Reports within strict deadlines. Short-Term Contract work

The Reserve Trust Company

Compliance Analyst

Feb 2021 – Apr 2022 (1 yr 2 mos)

Contributed to the growth of this startup in the financial industry by clearing potential OFAC matches against the national NDS lists. • Created enhanced procedures for314(A) process and updated the procedures. • Received and processed 314(b)s as needed to satisfy requests from other financial institutions. • Led daily transaction monitoring to identify changes in customer activity with regards to volume and corridors accounts are transacting in. • Participated in risk-rating current and new customers and completed periodic reviews as they were needed.

Walmart

Manager II, Specialty Compliance and Ethics, SAR Governance

Jun 2017 – Jun 2020 (3 yrs 1 mo)

Define expectations for the vendor and conduct audits to ensure quality and appropriate reporting in line with current regulatory and legal requirements. • Negotiate agreements between employees and vendor to clarify misunderstood directions and resolve conflicts affecting performance. • Use industry expertise and experience to conduct assessments of vendor's work to evaluate the effectiveness of Walmart's program and identify risks or weaknesses. Monitor social media, online sources and attend webcasts and conferences to continue education and to stay up to date with industry trends.

Western Union

Sr. Fraud Investigator AML Analyst FIU Investigator

May 2006 – Jun 2017 (11 yrs 2 mos)

Identify potential investigations surfaced by monitoring reports or external referral sources that exhibit anomalous patterns requiring further investigation or explanation. • Complete complex investigations to analyze and identify questionable activity using techniques such as recognizing patterns of activity, being aware of the various typologies, completing enhanced due diligence and open-source searches, and keeping current with the latest trends in the industry. • Utilized a wide variety of research tools and search engines for data analysis, enhanced due diligence and risk assessment, such as Microsoft Excel, Unit 21, Lexis Nexis, Google, Tableau and CLEAR. • Prepared executive summaries and filed appropriate regulatory reporting. • Tracking and recognizing emerging trends and typologies. • Assessing risk based on company’s risk appetite, prior experience. • Mitigating risk while working with law enforcement and Regional Compliance Personnel, including Compliance Directors and Executives, and executing the remediation plan. Prepared executive summaries and filed appropriate regulatory reporting.

Wells Fargo

Teller, Lead Teller, Service Manager II, Phone Bank Supervisor

Feb 1994 – Dec 2005 (11 yrs 9 mos)

Oversaw daily banking operations and assisted customers as a Teller/Lead Teller, ensuring smooth running of the teller line. • Managed and coached a team of phone bankers to meet service and sales goals as Phone Bank Supervisor, including interviewing, training, and implementing development plans. • Led strategic initiatives and projects, budgeting, staffing, training, goal setting, writing annual reviews, holding regular one-on-ones and mentoring sessions with team members, and successfully led audit, compliance, procedures and policies, sales, and security functions for the teller line as Service Manager II, while serving as a trusted bonded bank officer.

Professional Certifications

Certified Anti-Money Laundering Specialist – Association of Certified Anti-Money Laundering Specialists

Issued Sep 2012 – Certification valid through 12/31/2024

Certified Financial Crime Specialist – Association of Certified Financial Crime Specialists

Issued Oct 2014 – Certification valid through 12/31/2023

Certified Financial Crime Investigator - International Association of Financial Crimes Investigators

Issued Nov 2016 – Recertification due upon re-entry into financial industry

Credential ID 30968

Certified Commercial Cannibis Expert - Association of Certified Commercial Cannabis Examiners

Issued May 2021 - Certification valid through June 2024

Skills

Analysis Documentation Risk Management Due Diligence Risk Mitigation Risk Assessment Anti-Money Laundering Bank Secrecy Act U.S. Office of Foreign Assets Control (OFAC) Investigations Fraud Financial Crimes KYC Suspicious Activity Reporting Regulatory Compliance Currency Transaction Reporting Unit 21 Lexis Nexis Transaction Monitoring Microsoft Windows Microsoft Excel Microsoft Power Point Microsoft Access 314(a) 314(b) Law Enforcement Information Sharing Quality Assurance Onboarding Mentoring Training Hiring Interviewing Scheduling Audit CLEAR Tableau Sanctions

Professional Recommendations

Kathy Presley - Funding Circle adyduj@r.postjobfree.com 720-***-**** Former Manager

Nathan Olds - Walmart adyduj@r.postjobfree.com 479-***-**** Former Manager

Angela Beardsley - Kraken adyduj@r.postjobfree.com 303-***-**** Former Co-worker

Contact this candidate