Compliance Analyst Risk

Victoria Olumoto

Email: ************@*****.*** Tel: 470-***-****

Linkedin; www.linkedin.com/in/victoria-olumoto-0180198b Risk & Compliance Analyst FinTech & Banking Specialist Fraud Prevention & AML Expert Seasoned Risk and Compliance Analyst with 6+ years of hands-on experience supporting FinTech and banking institutions in safeguarding payment systems, detecting fraud, and driving regulatory compliance. Demonstrated expertise in KYC/KYB, AML investigations, and payment risk analysis, with a strong focus on digital transactions and scalable compliance solutions. Adept at leveraging tools like SAS, LexisNexis, Minerva, and transaction monitoring systems to assess risk, flag anomalies, and ensure adherence to evolving industry regulations. Proven success in cross-functional collaboration with fraud, legal, and underwriting teams to implement risk controls while maintaining operational efficiency. Passionate about staying ahead of fraud trends and delivering agile, tech-driven risk mitigation strategies in fast-paced, digital-first environments.

Career Summary

Intuit (Atlanta GA) RISK ANALYST (December 2024 – Till date) PAYMENT RISK ANALYST

● Monitor and analyze transactions to detect and prevent fraudulent activity across payment channels.

● Assess and manage payment risks by identifying patterns, anomalies, and red flags in real-time and post-transaction analysis.

● Collaborate with fraud operations and risk management teams to implement controls and mitigation strategies.

● Utilize fraud detection tools and systems to review high-risk transactions and take appropriate action (e.g., block, hold, escalate).

● Develop and refine rules, thresholds, and strategies to reduce false positives and enhance fraud detection accuracy.

● Conduct investigations into suspicious payment activities and prepare detailed reports for internal and external stakeholders.

● Work closely with compliance, finance, and legal departments to ensure regulatory and policy adherence.

● Assist in developing training materials and educating teams on fraud trends, payment risk indicators, and best practices.

● Stay informed of evolving fraud tactics, payment technologies, and industry trends to proactively adapt fraud prevention strategies.

● Participate in incident response and recovery efforts related to payment fraud cases. FINAL FUNDING ANALYST

● Review and verify all documentation prior to final disbursement of funds to ensure compliance with internal risk policies and regulatory requirements.

● Perform final checks on borrower profiles, business credentials, and underwriting conditions to identify potential fraud or funding risks.

● Validate banking details, identity documents, and contractual agreements to confirm eligibility and accuracy before release of funds.

● Collaborate with KYC, Fraud, Underwriting, and Compliance teams to resolve any outstanding issues or red flags.

● Monitor high-risk funding transactions and escalate suspicious cases to appropriate internal stakeholders (e.g., Fraud or AML).

● Maintain detailed audit trails and documentation of final funding decisions for internal records and regulatory reviews.

● Ensure timely and accurate disbursement of funds while balancing risk controls and operational efficiency.

● Support the development of automated workflows and quality assurance checks within the funding process.

● Assist in reporting and analysis of funding metrics, exceptions, and risk trends to drive process improvements.

● Stay up-to-date on industry best practices and regulatory changes impacting funding operations and risk procedures.

KYC/KYB ANALYST

● Conduct KYC (Know Your Customer) and KYB (Know Your Business) checks to verify the Identity of individuals and businesses using IBOSS.

● Ensure compliance with regulatory requirements by validating customer information and submitted documents through Minerva.

● Perform due diligence procedures, including gathering and analyzing customer information, document verification, and transaction monitoring.

● Identify fraud risks, suspicious activities, and compliance concerns by assessing financial patterns and transaction data.

● Accurately enter and maintain customer and business information in company databases and systems.

● Ensure documents are up to date, valid, and complete before approval.

● Follow standard operating procedures and compliance guidelines to mitigate financial and reputational risks.

● Stay informed about regulatory updates, industry trends, and fraud prevention strategies.

● Work closely with cross-functional teams to resolve customer-related compliance issues.

● Identify areas for process improvement and suggest enhancements to optimize risk management and technology solutions.

● Maintain accurate and detailed records of all compliance-related activities, including customer verifications and risk assessments.

● Prepare reports and document processes to support compliance audits and risk mitigation strategies.

● Provide professional and empathetic customer support while enforcing risk policies.

● Represent Intuit’s brand by delivering high-quality service in compliance-related interactions.

TD Bank (Atlanta GA) AML /KYC ANALYST (July 2024 – October 2024)

● Conduct thorough reviews of flagged transactions using the SAS transaction monitoring systems and other relevant systems to gather relevant KYC information about the customer.

● Collaborate with cross- functional teams to escalate findings and ensure appropriate actions are taken in accordance with regulatory requirements.

● Utilize systems like Lexis Nexis and RDC Moody for negative news and enhanced due diligence on triggered accounts and entities.

● Prepare and submit Suspicious Activity Reports (SAR) in accordance with regulatory guidelines, including US Patriot Act compliance.

● Support investigations by leveraging tools like Fidelity, GIFT, Ovation to verify transaction patterns and customer information.

● File Requests for Information (RFI) to the customer’s branch for additional information needed to complete investigations or clarify suspicious activity.

● Make use of other systems such as Proofpoint, Filenet, CMOD and Metavante to discover more information about customer and cases under investigations Robinhood (Atlanta, GA) KYC Analyst (March 2022 - June 2024)

● Perform new customer on-boarding, account opening, account updates and static data maintenance. Provides quality KYC (Know Your Customer) and CIP customer information and assures verification in accordance with AML policy and procedure.

● Perform customer risk assessments and analysis of screening hits. Validate ownership and control structure of entities identification and review screening of customers and related parties.

● Reviewing new and existing customer accounts and verifying their identities, including beneficial ownership review and development of a customer risk profile.

● Serve as a point of contact for the customer service team regarding sanctions and KYC inquiries and issues.

● Contribute to onboarding and due diligence processes for targeted and existing portfolio.

● Utilizes advanced investigative techniques and tools to perform Enhanced Due Diligence by verifying the customer’s identity, reviewing their background, assessing the associated risks, analyzing transactional data, and compiling due diligence files.

● Document findings by preparing reports in a manner that is clear and comprehensive.

● Adhere to all designated time frames, manage workflow to the specified deadline and complete responsibilities in a satisfactory manner. Associated Credit Union (Atlanta, GA) KYC Analyst (April 2019 – February 2022)

● Prepares detailed risk profiles for complex clients and conducts periodic reviews of client profiles for renewal.

● Gather information from independent research, online tools or directly from the client to populate profiles for new or existing clients. Performs due diligence to ensure accuracy of information.

● Uses developed communication skills to engage in routine conversations with internal stakeholders and complex external clients to support an accurate data gathering process and resolve any open issues.

● Reviews standard profiles that have been flagged and escalated for additional review.

● Provide quality check for updates made to existing customer records including appropriate documentation review.

● Support operational teams for KYC related account opening processes.

● Responsible for submitting Requests for Information (“RFIs”) to the front lines to identify additional information in support of the due diligence investigation and follow- ups to ensure timely receipt.

Education

● BSc Economics

University of Ibadan, Nigeria

Skills

Know Your Customer/Business Anti-Money Laundering

Enhanced Due Diligence Sanctions Screening

Research Abilities Due Diligence

Account verification

AML Compliance

Document Review

Payment Risk Analysis

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