Risk Management Due Diligence

C. Denson

Charlotte NC 704-***-**** **********@*******.***

Banking professional with expertise knowledge in Financial Compliance, Risk Management, and Internal Auditing. Seeking to leverage my experience to contribute to the success of the company.

Key Skills

Risk Management Bank Secrecy Act Research & Development Onboarding and KYC Customer Due Diligence Communication Strategic Planning Project Management Business Development Decision Making UCC law Internal Audits CIP Microsoft Office Organizational Skills Underwriting Analysis Financial Services Anti Money Laundering Enhanced Due Diligence Credit Analysis Auditing Statistics Loan Processing Commercial Loan Processing Problem Solving Time Management Multi-Tasking Escalations

Work History

Wells Fargo Bank, NA

Senior Closing Specialist 3 Relationship Associate SBA Lending (3.11 Years) November 2020 – October 2024

Processed SBA Loans from origination to closing.

Reviewed Title Commitment and resolved any discrepancies.

Completed closing activities such as gathering of insurance documents, & certifications.

Managed a complex portfolio of customers.

Shared leadership role with managers to oversee a portfolio of accounts.

Evaluated the profitability & risk of designated portfolio.

Assisted underwriting in clearing any conditions placed on loan.

Provided all necessary administrative assistance through processing and underwriting.

Helped with customer onboarding, customer due diligence as well as any other associated risk management requirements.

Ordered all external reports including but not limited to tax transcripts, appraisals, title work, flood certificates, mortgage insurance, and verifications for employment and income.

Senior AML Remediation Analyst III Wholesale Lending (5.9 Years) February 2015 – November 2020

Analyzed complex Business Banking Group obstacles, to locate any outliers or trends that could implicate potential money laundering, fraud, or terrorist financing, and made recommendations for solutions.

Monitored data daily, in order to proactively seek out possible compliance issues – financial risks.

Used internal and external investigation methods in auditing customer accounts to assess credit risks to the company.

Obtained, retrieved, validated, & updated customer information within a time efficient manner & cases completed within regulated guidelines.

Navigated multiple computer systems, applications, and search tools to find verified information on client data to mitigate and asses risk factors and compliance.

Executed Bank Secrecy Act and Anti Money Laundering customer risks assessments on high volume/ high risk customer business accounts to ensure all Know Your Customer policy and government regulations were met within lending guidelines.

Completed and reviewed SAR reports on high volume / high risk customers.

Maintained organized documentation such as confidential customer personal information, and business documents.

Completed the Customer Due Diligence Process on all assigned cases.

Completed Enhanced Due Diligence Process on all escalated cases.

Verified CIP on all assigned cases and accounts.

Created daily reports & spreadsheets in response to management request, audit, or regulatory

requirements.

Internally audited high-risk customers to ensure all accounts were in standards according to State and Federal banking laws.

Dispositioned all cases according to FFIEC guidelines and procedures.

Documented in detail all case results, and provided management with detailed case disposition notes to include any recommendations of action to correct any compliance issues.

Exhibited high attention to detail through maintaining quality cases that were processed according to applicable state and federal. law.

Developed and maintained working relationships with various lines of business affiliates.

Worked closely with management on escalations and ways to improve productivity, locate trends, as

well as provide resolution to arising issues.

Identified and monitored risks factors that may affect line of business, and took appropriate action when

business activities exceed the risks tolerance of the company.

Education

A.A.S, Business Administration

A.A.S, Human Resources

Contact this candidate