Anti-Money Laundering Senior Consultant

Brandy C. Wilson

**** ****** **. #****. ********, GA. 30093

Mobile: 813-***-****

Email: *******@*****.***

Professional Summary

Senior Consultant specializing in Financial Risk services within “Big Four” Consulting Firms. Industry knowledge and combined experience in Anti-Money Laundering, Underwriting, and analytical review of trends is a contributor of my success towards minimizing risk and industry vulnerabilities. Regulatory compliance experience and knowledge includes but is not limited to: Regulation (Reg) C: Home Mortgage Disclosure, Reg E: Electronic Fund Transfers Reg F: Fair Debt Collection Practices Act - Reg G: Secure and Fair Enforcement for Mortgage Licensing Act; Reg P: Privacy of Consumer Financial Information - Reg V: Fair Credit Reporting - Bank Secrecy Act (BSA); Gramm-Leach-Bliley Act, (GLBA), Foreign Corrupt Practices Act (FCPA), Office of Foreign Assets Control (OFAC), Know Your Customer (KYC), US Patriot Act, Dodd-Frank Wall Street Reform (i.e. Unfair, Deceptive or Abusive Acts and Practices. Helping banking clients solve complex business procedures, anti-money laundering and sanctions issues, commercial banking general ledger, QA, data validation, vendor management and trust remediation. Other areas of practice include credit income analysis, SAR review, Risk Management, Correspondent Banking. Confidently able to manage multiple initiatives, meet production goals with exceptional quality within clear application government guidelines and optimal industry standards.

Areas of Expertise &

●Managed 10 to 14 employees in office settings

●Proficient in Reg B, Reg C, Reg D, Reg E and Reg Z

●Excellent verbal, written and presentation skills

●Developed Job aids using SharePoint

●Knowledge of AML/BSA, KYC & FinCen

●Use of LexisNexis, RDC, SAS, and Actimize

●Risk Management & Cyber Security

●Fannie Mae and Freddie Mac guidelines

●Data Compliance: Servicing and Reporting

●Transaction Monitoring: Detection and Reporting

●Certified Microsoft Expert

Procedure and Process Improvement

Professional Experience

AML Consultant

July 2024 to Dec 2024

CyberSearch - Remote

●Reviewing transaction data to detect fraud or money laundering trends to support investigations

●Staying current with regulatory compliance requirements and changes from government and industry boards such as the Consumer Financial Protection Bureau and Office of the Comptroller of Currency

●Organizing documentation and evidence resulting from investigations

●Successfully used multiple different case management systems and mastered the unique nuances of each case (Actimize, MOC)

●Reviewed SARs, negative news, appropriately address findings, and properly mitigate or escalate reviewed activity.

Senior Consultant

Nov 2021 to Mar 2023

Ernst and Young - Remote

●Results driven Regulatory Compliance Consultant and Business Analyst with a demonstrated history in the financial services industry.

●Experience working with clients in efforts to identify and address AML trends

●Ability to understand suspicious/non-suspicious activity and address it accordingly through research and narrative documentation

●Ability to produce quality work with the expectation of goals

●Successfully used multiple different case management systems and mastered the unique nuances of each (Actimize, SAS)

●Reviewed SARs, negative news, appropriately address findings, and properly mitigate or escalate reviewed activity.

AML / KYC Analyst

March 2021 to Nov 2021

MBO Professionals – Remote (PWC Contract)

●Identified, researched and reported suspicious activity with-in Correspondent Banking alerts.

●Completed Due Diligence searches via Google, RDC, Compliance Link.

●Review legacy data from many sources/systems to create a complete assessment of transaction activity.

●Compiled evidence and documentation in compliance with BSA/AML regulatory requirements.

●Ensure that international transactions comply with federal guidelines

●Managed the investigative process from initial detection to disposition.

Underwriter

Nov 2020 to March 2021

AmeriSave Mortgage – Remote

●Reviewed and verifying loan applications and supporting documentation.

●Making loan eligibility decisions and approving or rejecting applications.

●Reviewed Appraisals for accuracy and eligibility.

●Reviewed DU or LP findings, Income documentation, sales contracts, title reports, appraisals, and credit reports to insure loan is within Fannie Mae or Freddie Mac guidelines.

●Calculate Debt-To-Income ratios to ensure program guideline parameters are met.

●Returning applications with additional documentation to the processor/loan officer for review.

●Determined qualifying income by analyzing tax returns of Sole Proprietorships, LLC’s, and S-Corps.

Processor

Aug 2020 to Dec 2020

Infosys BPO – Atlanta, GA / Remote (Contract)

●Provide support to loan officer and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages.

●Provided expedient customer service as key to consistently high customer satisfaction.

●Ensure compliance with company policies, underwriting guidelines, and lending-program requirements.

●Cleared conditions, signed off on final approval, and submitted loans for closing.

●Review and analyze credit report and other documentation for mortgage and other credit history.

●Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.

AML Compliance Analyst

July 2019 to June 2020

MBO Professionals – Remote (PWC Contract)

●Effectively works with multiple complex data sources to identify breaches in AML/BSA regulations.

●Conducted review of Correspondent Banking alerts generated to determine risk/compliance with state and federal guidelines.

●Reviews multi-level alerts including High Risk Jurisdictions, SCAP and PEP individual.

●Conducts enhanced due diligence research in attempts to find derogatory background information.

●Effectively conduct AML/KYC formality reports on questionable accounts and transactions.

●Research and review the escalated cases and draft Request for Information (RFI) as necessary.

●Identifies accurate risk ratings for individual accounts.

AML/BSA Sanctions Investigator

July 2018 to Feb 2019

K2 Intelligence - New York, NY (Contract)

●Worked on a 3-year Look-back project to determine compliance with federal/state regulations.

●Conducted review of alerts generated to determine risk/compliance with state and federal guidelines.

●Evaluate Correspondent Banking alerts to determine if there are any sanction jurisdiction violations.

●Preformed reviews of surveillance reports to detect possible regulatory, guidance or policy violations.

●Review the initial alerts generated within the FCRM filtering platform and close any alert deemed as “false positive.”

●Research and review the escalated cases and draft Request for Information (RFI) as necessary.

●Conducted Quality Assurance reviews on closed level 1 reviews.

AML Sanction and Screen Wire Analyst

FEB 2018 to May 2018

SunTrust (Apex) – Atlanta, GA (Contract)

●Analyze and resolve alerts generated through the company's various economic sanctions / OFAC (Office of Foreign Asset Control) filtering applications.

●Investigate referrals escalated by other filtering areas to arrive at final determination as to whether an item may be a positive match to an economic sanctions / OFAC target

●Experience with foreign exchange, ACH payments, SWIFT, and FED bank service messages.

●Review wire transfers for potential matches with OFAC Sanctions lists.

●Performed Due Diligence Investigations (DDI), researching and analysis to mitigate character and reputation risk, extensive public record researching using CLEAR & LEXIS NEXIS

Compliance Analyst II

DEC 2016 to AUG 2017

FIS (Mark Shaw and Associates) – Seattle, WA (Contract)

●Analyzed potential Office of Foreign Assets Control (OFAC) hits to ensure transactions were following United States sanctions.

●Supplied proof that False Positives were proven to be correct and updated via Actimize.

●Researched client information via Google and LexisNexis.

●Interfaces with legal counsel and federal, state, and local agencies, as needed to resolve regulatory issues.

●Participates in development of compliance sessions/presentations.

●Conduct detailed analyses to detect patterns, trends, anomalies and schemes in transactions and relationships across multiple businesses units/products.

Data Compliance Servicing

JULY 2016 to DEC 2016

Clayton (Radian) – Atlanta, GA (Contract)

●Comparing loan file documentation to specified guideline requirements.

●Re-calculating LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and comparing against guidelines.

●Analyzing asset statements to determine that funds to close and reserve meet guidelines.

●Responsible for analyzing and updating the FNMA571 expense database in a timely manner to maximize reimbursements. Ensuring 100% recovery and minimal rejects.

●Well versed in completing and reviewing Enhanced Due Diligence Investigations

●Knowledgeable LPS (Black Knight), GSE, NIS, GTA, eClass, HSSN, HomeTracker, UCS Collections and County property tax sites.

Quality Analyst II

OCT 2015 to JULY 2016

FIS (Contract Mark Shaw and Associates) – Orlando, FL (Contract)

●Monitors and communicates regulatory changes that impact FIS products and services to internal and external customers.

●Conducts compliance assessments and provides direction on any deficiencies resulting from scheduled product reviews.

●Manages direction for development design specifications for compliance issues.

●Interfaces with legal counsel and federal, state, and local agencies, as needed to resolve regulatory issues.

●Participates in development of compliance sessions/presentations.

●Performs periodic reviews and audits of correspondent banking services to validate compliance with high-risk regulations or detect regulatory violations, weak controls, or other potential areas of exposure.

Compliance Analyst

July 2014 to Oct 2015

Clayton (Contract) – Atlanta, GA (Contract)

●Calculate Debt-To-Income ratios to ensure program guideline parameters are met.

●Review Appraisal forms and related documents to determine collateral meets acceptable investor standards.

●Ensure company, GSE’s, FHA & VA underwriting and compliance guidelines and regulations were met

●Data mining, data analysis and consumer behavior analysis and interpretation

●Review and analyze credit report and other documentation for mortgage and other credit history.

●Executed quality testing to assess compliance policies, including the Bank Secrecy Act Suspicious Activity Reports, currency transaction reporting.

●Prepare and implement compliance policies and procedures meeting regulatory requirements via SharePoint.

Mortgage Analyst

April 2014 to July 2014

Citi Group (Randstad) – Tampa, FL (Contract)

●Managed high-volume pipeline with accuracy and speed.

●Achieved a high level of internal/external customer satisfaction by delivering top-notch service and providing efficient turnaround.

●Cultivated relationships with the broker community and sales representatives by providing timely updates on loan status

●Approved Forward Mortgage loans utilizing DU

●Credit Risk Underwriting of retail and high net worth clients.

●Analyzed pay stubs and W-2's for authenticity.

Mortgage Loan Processor/Quality Analyst

MAY 2012 to February 2014

Bank of America – Tampa, FL

●Processed Mortgage loans approved by an Underwriter or an automated system.

●Knowledge of mortgage servicing rules and requirements related to Dodd-Frank Act, RESPA, TILA/Reg Z, SCRA, ECOA/Reg B, and FDCPA.

●Resolved issues including vesting, appraisal, income/assets, and undisclosed liens.

●Received NMLS and SASE (Signing Authority and Self Enhancement) Approver Level II.

●Cleared conditions, signed off on final approval, and submitted loans for closing

●Worked as a SME (Subject Matter Expert) and trainer for a unit of 30 associates.

Processor / Loss Mitigation

April 2009 to March 2012

Chase Home Finance – Tampa, FL

●Perform in-depth pre-underwriting review of files

●Validation of loan application compared to Chase systems. Confirm proper steps and procedures completed by agents in several Chase systems including Agent Desktop, MSP, VLS and CMS.

●Liaison between Relationship Managers, Underwriters and Closing departments.

●Assuring accuracy of approval and declines while adhering to strict quality assurance guidelines.

●Skillfully analyze borrower's credit obligations, mortgage documents, income documentation and expenses.

●Processing of documents needed for modifications according to the Homeowner Affordable Modification program or Making Home affordable Program or N.A.C.A home save program

Ammunition Specialist

April 2001 to April 2004

US Army Veteran – FT. Bragg, NC

●Issued ammunition for troops on combat missions in Operation Enduring Freedom (Philippines)

●Responsible for maintaining records for the accountability of over $100 million worth of weapon ammunition in SAASMOD systems

●Assisted in correspondence for company First Sergeant; Assisted in award receptions

●Coordinated and instructed several classes and combat trainings

Education

2005 Sanford Brown Institute Medical Billing and Coding Atlanta, GA

2022 Certified Anti-Money Laundering Specialist (CAMS) certification Studying in process

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