Aml Analyst And Financial Crimes Investigator

ROBERT R. VILLAPANDO, CAMS

818-***-**** ******.**********@*****.*** Frisco, Texas

BSA/AML & Business Analyst Professional

Experienced in banking, compliance, and mortgage banking, with deep expertise in BSA/AML advisory and anti-money laundering within highly competitive markets. Proven ability to guide organizations through periods of accelerated growth, regulatory scrutiny, and risk mitigation. Skilled in building relationships, increasing revenue, and navigating complex compliance issues, including CIP, FINCEN, SARs, CTRs, KYC/EDD, CRR, OFAC, and federal/state regulatory audits. Experienced with regulatory consent orders, mergers, and liquidations.

Core Competencies

KYC and EDD Development

Risk Mitigation & Quality Control

Transaction Monitoring

Financial Crimes Investigation

MSB Training & Audit

Underwriting Review & Compliance

Internal Review & Audits

Anti-Money Laundering Management

Professional Experience

Insight Global – BofA, Plano, TX

Financial Crimes Investigator (Contractor)

January 2025 – Present

Conduct AML/BSA investigations for individual and entity cases involving criminal or financial crime activity.

Triage, review, and investigate potential money laundering and terrorist financing.

Prepare, document, and file Suspicious Activity Reports (SARs) in accordance with regulatory requirements.

MBO Partners – PWC, NY, NY

AML Consultant/Advisor (Contractor)

January 2023 – August 2024

Served as QC Analyst for Morgan Stanley Wealth Management division.

Reviewed EDD forms and CTRs for completeness and accuracy.

Collaborated with QA to recommend process enhancements and upgrades.

PennyMac, Westlake, CA

Mortgage Banker – Loan Officer (NMLS 233409)

May 2021 – September 2022

Conducted transaction reviews and pre-approved borrowers.

Recommended loans for approval based on credit and income analysis.

Performed compliance audits (HMDA, RESPA, TILA, GFE, TRID+).

Roth Staffing, Los Angeles, CA

BSA/AML Analyst

January 2018 – May 2021

Investigated and reported suspicious activity and fraud.

Developed and implemented compliance-related policies and procedures.

Provided risk oversight for AML models in production.

Slate Professional Resources, Inc., Los Angeles, CA

AML Analyst

March 2014 – December 2017

Collaborated with AML Compliance to establish Business Case process.

Conducted training on KYC and BSA/AML topics for International Relationship Banking staff.

Reviewed customer documentation for validity and content accuracy.

Completed systems integration for BSA/AML KYC, EDD CIP transactions to various platforms.

Reported and documented transaction details in high-risk jurisdictions for audit purposes.

Promontory Financial Group, LLC, Agoura Hills, CA

Senior Auditor & Analyst

November 2012 – February 2014

Led forensic audit of servicing records for foreclosed mortgages.

Conducted quality assurance reviews to optimize banking processes.

Trained and supervised team on various internal and external bank systems.

Reduced review times by 20% with less than 1% error rate.

Ventura County Business Bank, Ventura, CA

Vice President Compliance Director

January 2010 – October 2012

Implemented quality control reviews for written analysis and recommendations to identify deficiencies in bank documentation and procedures.

Performed risk assessments on compliance and audit reviews for various regulations including KYC, DDC, BSA/AML, OFAC, TILA, RESPA, HMDA, GFE, and HUD guidance.

Established a Mortgage Division for the Bank under a Consent Order, facilitating its acquisition by Royal Business Bank, Los Angeles, CA.

Conducted quality assurance reviews on team members' work.

Provided expertise in compliance and risk mitigation strategies.

Credit Suisse, New York, NY

Vice President, NY Fixed Income MBS

January 2004 – November 2009

Collaborated with Western Region and Account Executive to manage relationships with Banks and Financial Institutions.

Conducted training sessions for bankers and brokers on loan production, underwriting, and contract review, covering OFAC, SARS, BSA/AML, DDC, RESPA, TILA, and GFE.

Boosted client base and production by more than 150%.

Strengthened partnerships with key stakeholders through effective communication and strategic initiatives.

Licensure

BRE Brokers License, State of California – NMLS 233409

Certifications

Certified Anti-Money Laundering Specialist (CAMS)

References

Available upon request.

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