Customer Service or Fraud Analyst

Sheila R. Jones

P. O Box ******

Duncanville,Texas75138

******.*********@*****.***

469-***-****/Cell

QUALIFICATIONS

Seasoned professional with at least 7 years with a broad knowledge of AML/KYC and Risk related in compliance and experienced in mortgage, accounting, payroll, customer service, bankruptcy, cash posting, collections, and sales.

EDD/Compliance- SARS Filing to FINCEN, SARS Monitoring Alerts Yellow Hammer-BSA symitar’s enterprise application; Detica/Norkom, CERS, HALO-Alerts; FSD-Financial Desktop (Cash transfer, Blockchain Ananlysis. All customer info); AS400; IVAULT; FTMONT-wiring transfer info, Liberty, Patriot Officer, Lexis Nexus, Google Search, FCRM Financial Crime Risk Management, Navigator, Web Director, LIS, Loan Portal, Omni Conditions, Actimize and Orion. Identify and/or coordinate the implementation of process improvements relating to KYC/CDD, and correspondent banking transaction monitoring. Member on a Task force for policy and procedures developed for fraud compliance.

Key Skills and Knowledge: Proficient in verbal, written and analytical skills. Enhance due diligence research experience, 3 years of payroll and 15 years in accounting,

Summary of Work Experience

01/24-present Guide House/Temp

Blockchain Investigator II

Perform in-depth intelligence analysis on cryptocurrency transactions and blockchain data to identify and investigate potential instances of illicit activity

Use advanced tools and methods to track digital currency transactions across various blockchain platforms

Make determinations for potential Suspicious Activity Report (SAR) filings

Handle high-risk escalations to discover findings beyond initial flags and responsible for monitoring anomalies and responding to escalations and appeals.

Review high-risk wire transfers for potential fraudulent activity and accurately decide customer accounts escalated by Payments Risk

Wrote Suspicious Activity Reports (SARS) and other written investigative/intelligence products to support judgments, and recommendations.

06/20- 10/23 The Mint Foundation

Case Manager

Case file for clients must be put in orange folders

Assist clients over the phone or in person

Verify all paperwork that the client turns in

Calculate the client’s income to verify limits

Write up check request

Receive check back and mail or have client pick up

File the orange folders when the case is paid/complete

11/18-06/20 Capital One Bank/Contract with Disys

AML Investigator

Supported and conducted the examinations of transactions across regions linking up pockets of suspicious activity. Performed KYC DD on all files.

Developed documentation and program guides and implementation of compliance program components to enhance and strengthen CDD/EDD/ODD and Sanctions Screening Processes and Controls.

Wrote Suspicious Activity Reports (SARS) and other written investigative/intelligence products to support judgments, and recommendations.

Documented thoroughly and clearly NON-SAR decisions in accordance with Capital One Bank policy and regulatory expectations.

Decided on the final disposition whether the alert should be promoted to open a case and possible file a SAR or suppress the alert to review later.

11/17- 10/18 Wells Fargo/Contract with Randstad, Philadelphia, PA

OFAC Compliance Analyst

Conduct credit analyses using OFAC rules against transactions hits.

Identify hits that maybe false positive.

Build a rule to prevent from false positive hits again.

Special projects to clear files for certain locations.

Perform KYC DD on clients that hit the OFAC hit list.

09/16-11/17 Small Business Administration, Fort Worth, TX

Loan Officer

Conducted credit analyses using advanced methods and tools of aggregated data provided by lenders clients of the organization, or other sources of data.

Reviewed and understood large sets of data; and used analytical capabilities to derive patterns and concentrations of fraud risk.

Processed loans ranging from $25,000 to $570,000.00

Made calls to insurance companies to verify the coverage and deducted that amount if claim was paid.

02/16-06/16 Discover Financial Services /Contract with Robert Half, Columbus, OH

AML Investigator

Reviewed automated and manual referrals of Discover Bank clients and accounts for unusual activity were my major responsibility.

Supported and conducted the examinations of transactions across regions linking up pockets of suspicious activity. Performed KYC DD on all counterparties.

Developed documentation and program guides and implementation of compliance program components to enhance and strengthen CDD/EDD/ODD and Sanctions Screening Processes and Controls.

Wrote Suspicious Activity Reports (SARS) and other written investigative/intelligence products to support judgments, and recommendations.

Documented thoroughly and clearly NON-SAR decisions in accordance with Discover Bank policy and regulatory expectations.

Communicated clearly, both written and verbally, with individuals in and outside of Discover (e.g. fraud teams, collections teams, Law Enforcement, individuals at other Financial Institutions, etc.).

Promoted a risk-aware culture, ensured efficient and effective risk and compliance management practices by adhering to required standards and processes.

08/15-12/15 Recovco Mortage, Irving, TX

Fraud Research Analyst

Conducted credit analyses using advanced methods and tools of aggregated data provided by lenders clients of the organization, or other sources of data.

Reviewed and understood large sets of data; and used analytical capabilities to derive patterns and concentrations of fraud risk.

Examined risk elements of proposed deal, purchase, or existing relationship with a client and made recommendations to management regarding continuing to closure, or additional credit enhancements needed to make deal more acceptable.

Conducted difficult investigations of suspected or alleged mortgage fraud and/or other suspicious activities to include loan servicing (e.g. short sale, modification), foreclosure, Real Estate Owned, and loan origination (loan application) fraud schemes, appraisal reviews, as well as possible money laundering activities. Updated the KYC with updates of the client's identity from the original on boarding process.

Leveraging additional external resources available for investigative purposes, including bank personnel contact, direct client contact, 314(b) information sharing requests, Law Enforcement contact, etc. to aid in the investigative decision-making process.

Made recommendations for new policies to minimize fraud and control other risks more effectively.

01/15-07/15 Standard Charter Bank/ Contract with Allsec Tech.Irving,TX

AML/KYC Investigator

Supported and conducted the examinations of transactions across regions linking up pockets of suspicious activity. Performed KYC DD on all files.

Knowledge of correspondent banking, and ability to detect Red flags such as: Repatriations of funds, structuring, round dollar, inconsistent address, activity burst, Nigerian structuring, nested correspondence, MSB, shell companies, high risk jurisdictions, Irregular business patterns, high risk business, typologies, adverse Information, sanctions entities, and unidentified entities.

Specialized with International wire transfers, clearing USD dollars thru SCB NY branch correspondence relationships with other financial institutions or registered MSB.

Validated transactions monitored for structuring and wires in and out of High-Risk Geographies.

Assisted project with look backs and business as usual (BAU) cases

Wrote and filed Suspicious Activity Reports (SAR) with FINCEN; Partnered with law enforcement, IRS, banks, and other agencies for case resolution and disposition.

Escalated high risk correspondent banking wires, cash (structuring), PEPs, and MSB like activity cases requiring SAR filing or further due diligence.

Lead person over a staff of 10 which included assisting with difficult files and training when new updates was implemented.

03/12-04/14 Bank of America/ Contract with Disys Dallas, TX

AML Analyst

Identified and investigated potential suspicious activity. Performed KYC DD on all clients.

Performed independent testing of business data extractions and segmentations for accuracy and applicability to internal audit testing and regulatory requirements.

Conducted online research for information and articles related to AML the Bank Secrecy Act (BSA), and other global regulations.

Developed documentation and program guides and implementation of compliance program components to enhance and strengthen CDD/EDD/ODD and Sanctions Screening Processes and Controls.

Decided on the final disposition whether the alert should be promoted to open a case and possibly file a SAR or suppress the alert to review later.

10/03 - 01/07 Citi Bank Irving, TX

AML Investigator

Identified and investigated potential suspicious activity.

Reviewed activity for adherence to the AML programs, part of the client on-boarding process or ongoing monitoring.

Conducted investigation such as KYC DD and made recommendations based on findings.

Conducted online research for information and articles related to AML, the BSA and other global regulations.

Decided on the final disposition whether the alert should be promoted to open a case and possible file a SAR or suppress the alert to review later.

Lead personal of a staff of 15 to 20 people.

Education

Dallas Baptist University Dallas, TX

B.A., Applied Accounting

Mountain View College Dallas, TX

A.A., Business and Management

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