Anti-Money Laundering Due Diligence

MIRANDA TAYLOR

• 682-***-**** • *********@******.*** • Fort Worth, TX 76244

PROFESSIONAL SUMMARY

Highly organized Sr. KYC/AML/FRAUD analyst with over 10 years of experience in the banking sector. Specializes in KYC (Know Your Customer), Anti-Money laundering, Fraud analysis, SAR drafting, High-risk reviews, Enhanced due diligence, Ongoing transaction monitoring, Case management, Adverse News Screening, and OFAC Stripping. Skilled compliance professional with proven success at spotting red flags in customers account, detecting and preventing fraud, and drafting SAR when risk cannot be mitigated. A good team player with excellent communication skills looking forward to bringing further success to an organization with my talent.

TECHNICAL SKILLS

● Due Diligence. ● Team player ● KYC ● Research ● Work ethics ● Investigation ● Banking regulation ● SAR drafting ● MS Office ● Risk Management

● Compliance Strength ● Fraud analysis

PROFESSIONAL EXPERIENCE

StoneX Group, NY

KYC

Review customer KYC documentation to ensure compliance with firm’s internal KYC procedures and adherence to government regulatory requirements

Perform adverse media and PEP screening on customer and affiliated party names via World Check screening vendor

Disposition potential hits from screenings to determine if hits are true or can be disregarded as false positive

Compare documentation received from client as part of KYC Refresh against existing documentation on file for updates since client onboarding

Complete KYC checklist to evidence client file review that took place and the identification of updated client related information

Update firm’s internal books and records systems to enrich client KYC file

Tag and upload newly received client documentation to ensure they are accurately archived in client KYC file

Track work cases and report to KYC Refresh Management team on daily/weekly production statistics

Liaise with front office staff to coordinate additional outreach for updated client KYC documents and information as necessary

Escalate red flags identified via KYC review to firm’s internal AML team

Report production issues and questions related to client outreach to KYC Refresh Management team for expedited resolutions

Prudential Financials, TX June 2020 – April 2024

Sr. KYC Analyst

●Perform/conduct full KYC reviews on all new client adoptions and /or periodic reviews of clients in accordance with relevant laws, regulations, and Firm policies as appropriate.

●Participated in new client onboarding and contract renewal processes, conducting due diligence on contract performance, and recommending adjustments to better meet client needs.

●Review, investigate, and understand organizational structure, accumulation, and domination methodologies to assist in determining ownership and control parties to identify all ultimate beneficiaries and potential Politically Exposed Persons (PEPs)

●Coordinate and liaise with various department (Anti-Financials Crimes, Negative/Adverse News Screening, Quality Control, etc.)

●Investigate client data utilizing all available internal/external systems to develop a comprehensive analysis of who the client is and whether there are high risk factors.

●Ensuring proper and effective governance of tasks and processes with reference to internal and external regulation.

●Perform in an environment of strict adherence to Standard Operating Procedures(‘SOP’s) and Operation Level Agreements (OLA’s) to achieve accurate and timely client file reviews.

●Provide guidance to front office staff for timely collection of client information/documentation to ensure compliance with all relevant AML/KYC regulations, polices, and risk management requirements

Capital One TX Dec 2017– June 2020

Sr. AML BSA/OFAC Analyst

●Monitored and maintained compliance with internal controls and government regulations.

●Review and independently assess cases derived from Anti-Money Laundering (AML)/Bank Secrecy Act (BSA) suspicious activity monitoring and Economic Sanctions/Office of Foreign Assets Control (OFAC) screening conducted by client

●Documented research findings to support risk-based decision making and resolution to escalated fraud incidents.

●Strong analytical skills derived from previous experience in a Financial Intelligence Unit (FIU) or similar investigative setting including former law enforcement.

●Experience conducting AML/BSA and/or Economic Sanctions/OFAC investigations at financial institutions

●Experience writing SAR and alert/case narratives summarizing the results of investigations and selecting requisite supporting documentation.

Citizens State Bank, TX

AML/Fraud Analyst

●Fraud investigation into services related to account takeovers, wire transfers, scams, and business email compromise.

●Investigates fraud claims involving ACH, Pre-authorized drafts, altered check, forged endorsements, unauthorized third-party transfers, elder fraud, identity theft or other operations fraud issues.

●Monitoring and reviewing institutional transactions and reconciling customer accounts to identify fraud.

●Monitor high risk account activity and coordinates activities to resolve and prevent fraud across the organization.

●Assess fraud prevention and detection controls, processes and technology and define and create long term strategies to ensure adequate solutions are in place to mitigate fraud loss without negative impact to the customer experience

●Have a strong understanding of the importance of filing Suspicious Activity Reports and when they should be filed according to regulation.

Wachovia

Lead Teller

●Support and adhere to policies and procedures around security, client ID, cash handling, cashed check, and opening and closing procedures.

●Understand and apply regulatory and compliance training.

●Report suspicious transactions, activities, and situations to appropriate personnel.

●Complete monthly, quarterly, and annual audits of cash tills, prepaid and instant issue cards, and security alarms to ensure regulatory and policy/procedure compliance

●Schedule, supervise, train, and develop staff.

●Ensure adherence to policies and procedures concerning the teller line functions.

Jan.2008 - Dec.2017

Mar.2006 – Jan.2008

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