Risk Management Financial Services
Resume:
Hripsime Haruyunyan
Northridge, CA 91324
Email: ********@*****.***
Tel: 747-***-****
Professional Summary
Detail-oriented Enterprise Independent Testing Analyst with over 10 years of experience in banking operations and financial services. Strong expertise in regulatory compliance, fraud detection, and risk assessment, with in-depth knowledge of Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), and USA Patriot Act. Proven ability to ensure the quality, security, and stability of complex financial systems through rigorous independent testing and risk mitigation strategies. Adept at fraud investigation, KYC/EDD analysis, and data analytics to prevent financial losses and ensure compliance with industry regulations.
Work Experience
Enterprise Independent Testing Analyst Global Risk Operations, Bank of America
March 2024 – Present
Responsible for executing Control Assessments (i.e., Testing) that evaluate the design and operating effectiveness of Key Controls. May act as designated lead tester/reviewer of control testing engagements.
* Maintain a comprehensive understanding of Internal Controls Management Policy and Standards, control testing methodologies, and related regulatory and compliance standards, including enterprise risk management, data governance, third-party risk management, model risk management, business continuity, fraud risk management, and associated regulations, guidance, and regulatory expectations.
* Propose enhancements to testing modules, scripts, and other guides, including testing approaches for evaluating the effectiveness of primary Key Controls to mitigate key risk exposures related to regulatory requirements and risk policies and standards.
* Demonstrate exceptional attention to detail in documenting control evaluation work papers and addressing reviewer’s comments.
* Exhibit high attention to detail and strategic thinking in analyzing, aggregating, and articulating the results/issues of control testing activities, identifying value-add opportunities for improvement of Key Controls to Senior Management and other stakeholders.
* Contribute to the articulation of results/conclusions/memos of control testing activities and communicate to key stakeholders across company.
* Support the development, implementation, and continuous improvement of tools, templates, and best practices that support control testing and reporting activities.
* Assist with the validation and closure of control issues as identified through testing.
Officer, Senior Fraud Analyst Bank of America
June 2020 – April 2024
Conducted high-risk fraud investigations, leveraging KYC/EDD, OFAC, and advanced fraud detection tools.
Analyzed complex transaction patterns to detect and mitigate fraudulent activities.
Enforced fraud risk management strategies in compliance with state, federal, and internal banking regulations.
Recovered funds from fraudulent transactions through in-depth research and proactive interventions.
Relationship Manager Bank of America
December 2019 – June 2020
Built and maintained strong client relationships, identifying financial needs and providing tailored solutions.
Assisted clients with financial products, including credit cards, CDs, IRAs, and small business loans.
Ensured compliance with financial policies and regulations while maximizing customer satisfaction.
Skills & Expertise
Regulatory Compliance & Risk Management: BSA, OFAC, USA Patriot Act, KYC/EDD
Fraud Prevention & Investigation: Fraud analytics, financial crime detection, transaction monitoring
Enterprise Testing & Quality Assurance: Unit testing, system integration, compliance testing
Data Analysis & Reporting: Risk assessment, fraud detection tools, Excel, Microsoft Office
Banking & Financial Services: Relationship management, financial product sales, CRM
Soft Skills: Problem-solving, adaptability, time management, teamwork, strong verbal & written communication
Education
Master's degree in economics & business management
European Regional Academy of Armenia
Bachelor’s Degree in Customs
European Regional Academy of Armenia
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