Customer Service Financial Analyst

Tamiko N. Lewis

York, PA ***** 757-***-**** *********@*****.*** linkedin.com/in/tamikolewis

RISK MANAGEMENT ANALYST

Extremely motivated and innovative analyst with extensive experience in risk assessments, data analysis, and process improvements. Strong background in various aspects of finance, fraud risk and detection, credit risk, compliance, legal and business. Adept at collaborating with cross-functional teams to resolve fraud and implement process improvements that mitigate risk and streamline operations. Proven ability to balance multiple projects simultaneously while providing accurate work and exceptional customer service.

KEY SKILLS

Risk Management Problem Solving Security Risk Assessment Methodologies Communication

Training Facilitation Data Analysis Conflict Resolution Contract Review

SELECTED ACCOMPLISHMENTS

Maintained, detailed, and organized records for internal and external audit exams, which reduced weekly searches by 45% less time and prevented quality assurance inaccuracies.

Played a key role by reducing the company’s loss of 65% capturing fabricated support documentation, by analyzing financial crimes.

Achieved an approval of 2,000 plus credit applications with an 85% rate of no defaults for the first year.

Five years consecutively maintained the highest level of retention of allotments at 98% and processed the most loan applications for review with under 6% first payment defaults.

Led training program for employee’s development, designed training manuals, and development plans.

Nominated by CFO to spearhead finance team to instruct different methods of collection of data and research.

Among top 5 for production and quality assurance ranking out of 1000 employees.

EXPERIENCE

M&T Realty Capital Corp., a M&T Bank Corp. subsidiary, Baltimore, MD-Remote 03/2021 – 12/2024

Financial Crimes Analyst/Support Specialist II

Supported the Underwriting Team with loans and provided support to major housing companies such Freddie Mac, Fannie Mac, and affordable housing.

Performed Quality Control reviews of due diligence on clients’ profiles, including high risk reviews, and associated recommendation. Regular Audits performed consistently internally according to policies, and guidelines.

In-depth understanding of financial services, concepts, issues, and regulatory standards.

Theoretical understanding of regulation concepts-Regulation Z, Regulation E, Truth in Lending Act, BSA, CAN-SPAM act (Controlling the Assault of Non-Solicited Pornography and Marketing), SCRA, COPPA, FCRA (Making sure clients received information and signatures acknowledging their rights), and ECOA.

Independently managed and disposition alerts, including conducting investigations and research as needed To resolve any discrepancies.

Proven ability utilizing multiple systems concurrently to gather and analyze large sets of data.

Perform alert dispositions and complete investigations, new scenario implementations, line of business escalations, assessment of potential money laundering, terrorist financing and nefarious activity through alert, case, and SAR filing or closure as appropriate.

Inspect Alerts and compile relevant data for Suspicious Activity Reports (SAR) creation; Know Your Customer (KYC) verification, and strong knowledge of CIP and EDD review for all customer profiles. As well as, any other required information for the investigation.

Produced end of the month, compliance, expense, excel spreadsheets, and credit reports.

Enhanced loan processing efficiency by 30% through streamlining communication with the Underwriting team.

Performed risk OFAC, FHFA, EPLS searches through multiple databases. Performed searches through Moody's REIS for informal reports. Prepared reports with findings, recommendations, and escalated appropriately when necessary.

Obtained and Evaluated Credit reports through Factual Data platform, and handled disputes by reaching out to credit bureaus to provide supportive information substantial to disputes.

Utilized multiple systems concurrently to gather and analyze large sets of data.

Researched, evaluated, created and maintained investigation documentation for file management and record keeping.

PWC/MBO Partners, Abingdon, MD-Remote 2/2021 – 3/2021

Document Preparation/ PPP Loan Processing Analyst (Contractor- 4 week assignment)

Introduced in 2020, the funding and preventing job loss and small businesses failure due to losses caused by the Covid-19 pandemic apart of the Cares Act.

Processed SBA approved government-guaranteed loans to ensure businesses continued subsistence for a large regional bank.

Worked with Underwriter and borrower to ensure all loan applications and processing documents were accurate and completed correctly prior to submission.

Exceeded the daily production goal by 75% over expected average; assisted with quality assurance audit and validation issues.

Delegated for special projects by team lead, vice presidents, and teammates requested assistance with various questions and processes.

Prepped SBA loan modifications in accordance with the SBA guideline.

Evaluated different loans Tracking for PPP Loan fraud by performing alert dispositions and completing investigations, new scenario implementations, business escalations, assessments of potential defrauding government, terrorist financing and nefarious activity through alert, case, and SAR filing or closure as appropriate.

Morgan Stanley, Baltimore, MD 01/2019 – 12/2019

AML Risk Compliance Analyst/Business Analyst III (E-Team-Contractor)

Newly developed team established March 2018, conducted investigations of highly profiled clients’ backgrounds, verified origination of source of wealth for illegal activity or reputational risk factors.

Performed Anti-Money Laundering reviews of potentially high-risked clients, escalated to Global Financial Crimes, reviewed OFAC regulations, corroborated with vendors to aid in the deterrence of risk. Coordinated as the 1st line of defense to save firms quality of business with a minimum of 10 reviews daily for the Latin American team. Analyzed transaction types and appropriate usage for the products.

Liaison for a Strategic development group to help implement self- development, financial wealth, and process improvement helping find better ways to increase productivity with a 25% turnaround rate making a positive impact on the department.

Actively identified, measured, controlled, and remediated AML and reputational risk issues exceeding the required weekly queue goals by 35% expectation rate by utilizing resources such as RDC, Westlaw, DDIQ, and Clear.

Assisted in executing key projects and initiatives related to Ultra High Net worth Wealth Management’s exposure to money laundering, equities, assets, securities, and reputational risk.

Actively identified, measured, controlled, reviewed, documented, and remediated AML and reputational risk issues with partners in Global Financial Crimes Compliance and the Business Unit.

Ensured control by containing and maintaining compromised feedback with risk summary and possible recommendations.

Produced ad-hoc reports, reported, and tracked productivity to maintain departments 86% expectations goal, and analyzed and deciphered through large amounts of data, and disposition appropriately.

Documented SOP’s ( Standard Operating Procedures) and SLA’s (Service Level Agreements) in an effort to ensure overall operating efficiencies and elimination of process gaps, mitigated risk, established controls, and accountability for ensuring all activity is conducted in accordance.

JPMorgan Chase & Co., Newark, DE 01/2017 – 12/2018

The largest US bank that employs over 300,000 employees worldwide with assets worth $2.6 trillion

Client Documentation Maintenance Analyst (Tower Legal Solutions-Contractor), 04/2018 – 12/2018

Supporting Asset Wealth Management/Private Bank Client service teams by prefilling documentation related to Title and Ownership changes that govern certain activity to clients’ deposit, brokerage, retirement, and trust/estate accounts.

Managed wealth management ultra-high net worth accounts, securities, and assets. Monitored emails and communicated with executive levels, investors, and financial advisors on a daily basis.

Obtained, validated, and corrected documentation of new account openings for entities, working with internal divisions to maintain compliance, producing 20 requests per day, with the mandatory being 10.

Maintained accounts in accordance with Service Level Agreements (SLA), Risk Processes, assisted with procedural improvements with operations among internal departments.

Updated client account information, suitability, and online access to reflect updates by the clients signed documentation via DocuSign.

Documented SOP’s (Standard Operating Procedures) and SLA’s (Service Level Agreement) in an effort to ensure overall operating efficiencies and elimination of process gaps, mitigate risk and establish controls and accountable for ensuring all activity is conducted in accordance.

Pre-Acceptance Analyst (Tower Legal Solutions-Contractor), 07/2017 – 03/2018

Managed wealth management ultra-high net worth accounts, capital market, and equities.

Analyzed data and reviewed transaction activity reports related to the Department of Labor regulations that closely watched several tickers and securities that were entering the firm.

Performed data checks on transactional information of securities and assets to assure the transfers adhered to company’s risk policy provided evidence of transactions.

Performed financial, statistical, and operational studies to support initiatives and ongoing reporting needs.

Client Onboarding Specialist (Tower Legal Solutions-Contractor), 01/2017 – 06/2017

Reviewed suspicious activity reports for submission to Financial Crimes Enforcement Network.

Managed prefilled documents to convert over 500,000 full-service brokerage accounts to managed accounts through the account onboarding process with a rigorous deadline producing 65% of my issued accounts.

Monitored, reviewed, and focused on risk, accuracy and production while aligning the procedures with the KYC and AML standards set forth by line of business Prepared reports for vice president.

Developing strong relationships between operations staff, legal and compliance, investment bankers, and all levels of management to maintain the highest level of customer focus and service

Project work and additional tasks as assigned by Supervisory Management.

Bank of America, Newark, DE 05/2016 – 08/2016

Fraud Claims Analyst II (Randstad-Contractor)

Worked in the Fraud department with a team of 20 analyst working with the fast-growing mobile application that was globally introduced to consumers.

Initiated, researched, investigated, documented claims through multiple systems and tools daily, processing over 10 claims per hour minimum.

Theoretical understanding of regulation concepts-Regulation Z, Regulation E, Truth in Lending Act, BSA, CAN-SPAM act (Controlling the Assault of Non-Solicited Pornography and Marketing), SCRA, COPPA, FCRA, and ECOA.

Contributed to multimillion-dollar resolutions on account inquiries with relevant facts and identified risk trends while maintaining an 85% retention low.

Negotiated and performed disputes with merchants and consumers, expanding exceptional service and maintained positive revenue to the banks flow.

Reviewed ATM transactions, Bank Statements, etc. proficient with Visa and MasterCard rules and regulations, federal and state regulations, and internal procedures that effect chargeback dispute processing. displayed knowledge of Cirrus, Cardtronics, Pulse, Star, and NYCE systems. Created chargebacks in order to pass funds to multiple centers and partners.

Utilized an extensive knowledge of the business model and the complexities of products to secure required documentation to support advices and claims.

USA Discounters, Norfolk, VA 11/1999 – 04/2016

Credit Reviewer Loan Specialist Fraud Analyst

Retail and Finance industry provider that supports various client groups, including those with poor or no credit, in addition to serving government and military employees.

Aided Military/Government employees setting up allotments using Defense Finance Accounting Services system, PeopleSoft, and Oracle Database.

Managed credit disputes with Equifax, Transunion, and Experian; Researched fraud on applications and credit reports, closed credit agreements, contracts, loans, transactions, and payments, issued refunds, assisted with research, and analyzed data for legal department.

Evaluated Credit applications, credit reports, and reviewed documents: financial statements, paystubs, taxes, SSI, balance sheets, income statements, statements of cash flows to determine debt to income ratio effectively utilizing traditional credit scoring tools.

Drafted documents, managed files, created credit policy and procedures, prepared legal contracts for review, closed contracts with customers, account transactions, payments, records, and developed reports to the CFO.

Prepared approved loans and performed closing review contracts with customers.

Theoretical understanding of regulation concepts-Regulation Z, Regulation E, Truth in Lending Act, BSA, SCRA, FDCPA, FCRA, and ECOA.

EDUCATION

Criminology, 8/2009 – 5/2013

George Mason University

AFFILIATIONS

Leadership Development Voices for Employees That Served National Association for Professional Women; Black Entrepreneur Networking Group Thames Speaker Club Strategic Development Groups-Social Committee and Group Development; AARG; M & T Resource Groups Volunteer networks

COMPETENCIES

Core

Training Analysis & Evaluation Communications Planning Documentation Review Data Entry

Customer Relations Investigation & Research Records Management

Software

Microsoft 365 (Excel, Access, Outlook, PowerPoint, Word, SharePoint, and Teams), E-Oscar Visa MasterCard Connect BOSS Synergy LexisNexis Bridger Accurinit TLO Workflow Workstation Actimize Connect Westlaw DDIQ RDC Clear DocuSign Oracle PeopleSoft Salesforce (Ncino) Fidelity E-sign Citrix WebEx Google system (Google docs, calendar, chat, etc.) SmartSpend Moody’s REIS, and FIT OFAC sanctions search SAMS.gov; DFAS (Defense Finance and Accounting Service)

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