CARINE T FONMEDIG-WAMUCHO

Lexington KY ***** 310-***-**** adz9us@r.postjobfree.com

Professional Summary

Creative AML/KYC/OFAC/FRAUD analyst with 5years of experience in the financial industry. Versed in Anti-Money Laundering, KYC (Know Your Customer), Fraud analysis, Negative news screening, Account review, OFAC stripping, High-risk reviews, PEP screening, and Case management. Specializes in preparing Suspicious Activity Reports (SARs), Report writing, and Investigation. Focused compliance professional with great interpersonal skills, seeking an opportunity to expand skills while supporting the organization to achieve its goals. Skills

• SAR drafting

• Information verification

• Fraud analysis

• Interpersonal skills

• Project management

• Work ethics

• Risk management

• Banking regulations

• Team player

• Investigation

• MS Office

• Analytical

• Due Diligence

• Compliance strength

Work History

AML/FRAUD/OFAC Analyst Aug 2021 to Current

American Express – New York City, NY

• Monitor automated monitoring system to identify suspicious or unusual transactions including cash, wires, ACH, POS, and ATM transactions.

• Review reports and individual transactions to uncover suspicious activity.

• Analyze potentially suspicious financial activity and file SAR (Suspicious Activity Report) when risk cannot be mitigated.

• Review OFAC alerts for international ACH transactions, which is a regulatory requirement.

• Perform detailed analysis on Suspicious Activity Reports (SAR) while using FinCEN database to detect patterns, trends, anomalies and new fraud schemes in transactions and relationships across multiple businesses/products.

• Prioritize and organize tasks to efficiently accomplish service goals by developing solutions and meeting deadlines.

• Review alerts at of a high volume to determine if true match to suspected money launderers, drug dealers or terrorist.

• Investigates complex fraud cases, including Account takeover, Dispute fraud, Elder abuse, and Identity theft using tools such as Looker, Zendesk, RDC, whatismyipaddress.

• Monitor OFAC website for updates.

• Clear articulation of due diligence findings and escalating cases as appropriate for further investigation.

• Collaborates with team members to discuss fraud trends and brainstorm methods to combat this type of crime.

• Analyze large amounts of data to find patterns of fraud and anomalies.

• Stay abreast of financial crimes risk trends, relevant regulations, and compliance standards.

• Restrict accounts alerting with online logins from OFAC sanction countries according to bank's policy.

• Conduct objective, thorough, and timely investigations into allegations of fraud. AML/KYC Analyst May 2018 to Jul 2021

Chase Bank– Timonium, MD

• Performed Enhanced Due Diligence on high-risk customers and transactional analysis using software/databases such as Lexis-Nexis, World-check, Documentum.

• Identified threats, vulnerabilities, and suspicious behavior patterns to recommend mitigation measures.

• Conducted thorough reviews for high-risk clients based on stratified risk level guidelines.

• Recommended new software tools and enhancements to improve fraud detection, prevention, and reporting efforts.

• Supported KYC processes for prospective and existing customers.

• Identified the client, its beneficial owners, Politically Exposed Persons (PEP) if any.

• Assessed operational risks, updated code of conduct, and company policies.

• Reviewed documentation to prevent fraud, money laundering and identify theft losses.

• Performed CDD and Negative news screening on new customers.

• Conducted KYC formality reports on questionable accounts and transactions.

• Escalated unusual activity to the Financial Intelligence Unit (FIU) and assist with escalating potential risks.

Education

PharmD: Pharmacy course work

University of Maryland Eastern shore school of pharmacy, Princess Anne, MD

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