Compliance Analyst Risk Management
Resume:
KOSSI ADZIWONOU
Baltimore, Md
contact: 667-***-****
PROFESSIONAL SUMMARY
●AML/KYC Professional available.
●Leverages extensive banking, transaction analysis, risk management, and AML expertise on a daily basis.
●Expert at CDD, EDD and OFAC/Watch List/PEP.
●Advanced in the preparation of Suspicious Activity Reports (SARs).
●Well versed in Actimize, MS Word, Excel, LexisNexis, World Check, and RDS tools.
EDUCATION:
●Bachelor: Administration American Military University
LANGUAGES: Portuguese, Spanish,French
PROFESSIONAL EXPERIENCE:
JPMORGAN CHASE BANK Feb 2018 - Dec 2024
Role: AML/KYC Compliance Analyst
Responsibilities:
●Reviews and detects suspicious activities based on a variety of AML System generated transactional alerts from customer’s transactional activities.
●Clears alerts to closing or refer for further investigation in the case management system.
●Prepared required reports including Suspicious Activity Reports (SARs), following regulations and time limitations.
●Prepare and filed Suspicious Activity Reports ("SAR") for accounts which have been identified to have carried out possible structuring.
●Worked on cases to complete according to internal AML procedures and process.
●Provide additional support with the AML compliance organization on more complex issues, including research techniques and capabilities, as well as other solutions. Ensure that decision not to file a ("SAR") were properly documented.
●Conducts time-sensitive, meticulous investigation and analysis of each instance of potential Money Laundering activities and/or suspicious financial activities across multiple jurisdictions and countries.
●Evaluated transactions and customer relationships for money laundering activities and identified red flag issues and escalated within the AML Group.
●Implements customer risk rating criteria with KYC management and procedure for both consumer and corporate entities.
●Recommend relationship retention or termination based on SARs prepared.
●Performs the required KYC screenings on customers, documenting the information obtained on the clients as required by global KYC procedures.
●Verifies all aspect of CIP/CDD before account opening.
●Collects and documented data, including alert, investigation, or Suspicious Activity Report (SAR) history; Know Your Customer (KYC)information; relevant account and transaction data.
●Research cash in/cash out for suspicious markers of possible money laundering or criminal activities.
Columbia Bank 2016 - Feb 2018
Role: AML/KYC Compliance Analyst/Investigator
Responsibilities:
●Assisted the investigations team in its investigation and analysis of each instance of potential Money Laundering activities and/or suspicious financial activities.
●Identify and documented transactional activity for evidence of Money Laundering red flags, suspicious transactions, and unusual banking activities.
●Performed Enhanced Customer Due Diligence, Sanctions Filtering, and Customer Risk Rating.
●Effectively investigated alerts and wrote suspicious activity reports(SARS) in compliance with established regulator guidelines and timeframes.
●Proactively supported multiple work streams or project teams to execute against existing project or work plan.
●Promoted, and delivered continuous improvement of activities and service delivery.
●Performed detailed research on suspicious activity and drafted Suspicious Activity Reports when deemed necessary.
●Reviewed KYC documents and requested additional documentation, as necessary.
●Identified and report suspicious activities where red flags cannot be mitigated.
●Verifies all aspects of Client Identification Program (CIP) and necessary account opening documents are in accordance with KYC, and standards set by USA Patriot Act and Bank Secrecy Act.
MIDFIRST BANK 2015 - 2016
Role: Mortgage Underwriter
Responsibilities:
●Proactively addressed underwriting submission deficiencies.
●Examined loan documentation to ensure accuracy and completeness.
●Provided underwriting decision to either approve or deny loan to meet company guidelines.
●Reviewed assets, income, credit, and collateral to make accurate decision on the loan file.
●Ensured compliance with regulatory stands.
●Communicated loans decisions to clients/internal departments in a timely fashion.
●Advised loan processors on required documentation to satisfy loan condition.
●Analyzed loan risk and required additional information, as necessary.
●Guaranteed the appraisal met investor guidelines and supported.
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