Transaction Monitoring Compliance Officer

PROFESSIONAL SUMMARY

Detail-oriented and results-driven Compliance Officer with extensive experience in regulatory

compliance, risk assessment, and financial crime prevention. Adept at ensuring adherence to Anti

Money Laundering (AML), Bank Secrecy Act (BSA), and Office of Foreign Assets Control (OFAC)

regulations while mitigating financial and reputational risks. I am skillful in conducting Enhanced Due

Diligence (EDD), Know-Your-Customer (KYC) investigations, and transaction monitoring to detect and

prevent fraudulent activities.

Proficient in analyzing complex financial transactions, preparing Suspicious Activity Reports (SARs), and

collaborating with legal and regulatory bodies to address compliance issues. Demonstrates strong

leadership in managing compliance teams, optimizing internal controls, and improving automated

monitoring systems.

Key strengths

Regulatory Compliance & Risk Mitigation

Transaction Monitoring & Fraud Prevention

AML/KYC Investigations & Reporting

Policy Development & Implementation

Data Analysis & Process Improvement

Cross-functional Collaboration & Communication

Audit Preparation & Regulatory Liaison

Dove Tax Services Inc

Compliance Consultant/AML & Transaction Monitoring FEB 2021 – PRESENT

Investigate suspicious digital transactions and generate detailed reports, including SARs and OFAC-related findings.

Conduct thorough EDD reviews for high-risk customers, ensuring compliance with global and regional AML/OFAC requirements.

Review and assess flagged transactions, SWIFT messages, and digital payment activities based on automated compliance filters.

Provide first-level decision-making on transaction alerts, escalating cases as necessary.

Ensure compliance with internal fintech policies and evolving regulatory frameworks.

Support system upgrades and testing to enhance fraud detection and transaction monitoring capabilities.

Maintain real-time oversight of customer records, ensuring timely updates and data accuracy for KYC and compliance reviews.

Work cross-functionally with risk, product, and legal teams to streamline compliance procedures and improve onboarding processes.

Utilize Machine Learning (ML) and Artificial Intelligence (AI) technologies to enhance transaction monitoring, fraud detection, and regulatory compliance processes.

Manage multiple compliance-related requests, ensuring efficient resolution in a high-paced fintech environment.

SANTANDER BANK

Compliance/Senior AML Analyst FEB 2019-DEC.2020

Investigated and analyzed suspicious transactions, preparing comprehensive reports such as Suspicious Activity Reports (SARs) and Office of Foreign Assets Control (OFAC) findings.

Conducted Enhanced Due Diligence (EDD) on high-risk clients, ensuring strict adherence to Anti-Money Laundering (AML), OFAC, and Bank Secrecy Act (BSA) regulations.

Managed and guided compliance team members in reviewing transactions, SWIFT messages, and flagged customers.

Collaborated with compliance, legal, and risk teams to mitigate financial crime risks and respond to regulatory inquiries.

Ensured business continuity in compliance functions under all conditions, adhering to strict deadlines and regulatory requirements.

Maintained detailed records of flagged transactions, ensuring timely and accurate reporting for internal and external audits.

Assisted in system testing and upgrades to enhance transaction monitoring and compliance frameworks.

Communicated with internal teams, including Front, Middle, and Back Office, to support client onboarding, due diligence, and risk assessments.

Tracked Know Your Customer (KYC) file status, identified data inconsistencies, and contributed to process improvements.

STERLING BANK

AML & KYC Compliance Officer JULY 2015- FEB 2018

Conducted in-depth investigations into potentially suspicious investment transactions, preparing SARs and OFAC-related reports.

Performed EDD reviews on high-net-worth individuals (HNWIs) and institutional clients to assess financial crime risks.

Ensured compliance with BSA/AML/OFAC regulations, providing expert guidance to compliance team members.

Coordinated with portfolio managers, legal advisors, and risk analysts to support due diligence efforts.

Conducted first-level reviews of flagged transactions, ensuring swift resolution of compliance alerts.

Supervised fund movements and monitored hold-over accounts related to flagged transactions.

Responded to internal and external audits by preparing detailed compliance reports.

Supported ongoing KYC file management, ensuring timely record-keeping and risk assessment for new and existing clients.

Collaborated with internal teams to enhance onboarding and transaction monitoring processes while identifying data anomalies for corrective action.

Compliance /IT Audit NOV 2011 - JUNE 2015

Reviewed and updated policies and procedures to reflect changes in laws and regulations.

Coordinated internal and external audit requests, monitored compliance, and tracked corrective action plans

Acted as a point of contact for internal and external audits.

Managed training of internal stakeholders on compliance requirements and industry best practices

Assessed product, compliance, or operational risks and developed risk management strategies

Evaluated ITGCs and IT Application Controls using COSO, COBIT, NIST CSF, and ISO/IEC27001 Frameworks.

Performed reviews of IT management procedures such as change management, business continuity planning/disaster recovery, and information security.

Reviewed attestation engagements SSAE18, SOC I, II, and III.

Executed audit readiness to identify and correct internal control weaknesses in compliance with SOX requirements.

Coordinated and performed IT risk-based audits to identify control gaps and areas for improvement.

NON - TECHNICAL SKILLS

Effective oral and written communication skills with the ability to connect at all levels.

Excellent organizational, time management, and project management skills.

Advanced computer skills including MS Office Suite, PowerPoint, OneNote, Visio, and Access.

Experience with risk assessments and compliance with major regulatory initiatives (e.g., SOX, GDPR, CCPA, FFIEC, HIPPA, HITRUST, PCI-DSS)

Quick adaptability to new environments and curiosity to learn and develop new skills/knowledge.

Strong analytical skills, problem-solving abilities, and attention to detail

Demonstrates coaching and great leadership skills

Familiarization with the following screening systems: LexisNexis/World compliance, Nice Actimize, World-Check

EDUCATION

OBAFEMI AWOLOWO UNIVERSITY, B.Sc., MANAGEMENT & ACCOUNTING

CERTIFIED INFORMATION SYSTEMS AUDITOR (CISA)

CERTIFIED DATA PRIVACY SOLUTIONS ENGINEER (CDPSE)

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