Wells Fargo Fraud Detection

REBECCA CARTER, CAMS

REMOTE AVAILABILITY: Fully remote (Iowa & Minnesota eligible); open to hybrid Des Moines.

Des Moines, IA • 515-***-**** • ****************@*****.*** SUMMARY

Results-driven Compliance Consultant Litigation Support Analyst Certified Anti-Money Laundering Specialist (CAMS) with 16+ years of combined academic and professional experience, including 7+ years in financial-crimes investigations, sanctions screening, and legal documentation management. Holds an M.S. in Financial Crimes Investigation and a Graduate Certificate in Compliance Investigations. CFE Candidate. Recognized for analytical rigor, evidentiary precision, and ethical accountability across regulatory and legal environments. CORE COMPETENCIES

BSA/AML & OFAC Compliance • Sanctions & Watchlist Screening • KYC/CIP & CDD/EDD SAR Drafting & Quality Assurance • Risk Profiling & Escalation • Regulatory Interpretation

(FFIEC, FinCEN)

Case Analysis & Evidentiary Frameworks • Governance & Accountability Controls • Legal Documentation Management

EXPERIENCE

Independent Consultant — Compliance & Litigation Support (2024 – Present)

• Provide compliance-driven analysis and evidentiary organization supporting civil and criminal cases.

• Design audit-ready documentation frameworks enhancing procedural integrity and case transparency.

• Apply governance and regulatory principles to strengthen accountability and attorney documentation standards.

• Deliver strategic insight that improves case accuracy, fairness, and client confidence. Compliance Analyst (FIU Contract) — Athene Annuity (via TekSystems) (Hybrid – West Des Moines) Aug 2024 – Oct 2024

• Supported the Financial Intelligence Unit with sanctions, PEP, and adverse-media screening for high-value accounts.

• Performed EDD reviews, validated KYC/CIP data, and ensured beneficial-ownership documentation accuracy.

• Assisted with SAR narratives and case documentation, coordinating with Compliance and Legal teams on escalation criteria.

• Enhanced FIU audit consistency through structured evidence and workflow standardization. Fraud Operations Rep II (Remote) — Wells Fargo, Originations Dept Aug 2021 – Sep 2024

• Investigated complex business identity theft and synthetic fraud cases; produced regulator-ready summaries.

• Partnered with FIU and Compliance on BSA/AML escalations to maintain regulatory alignment.

• Supported internal controls and trained new hires on documentation and QA processes. Fraud & Claims Operations Rep II — Wells Fargo Apr 2018 – Aug 2021, Remote since 2020

• Resolved high-volume card and identity-fraud cases with exceptional accuracy and SLA adherence.

• Strengthened fraud detection through structured evidence tracking and BSA/AML controls. EDUCATION

University of New Haven — M.S., Financial Crimes Investigation (2022) University of New Haven — Graduate Certificate, Compliance Investigations (2022) Columbia College — B.S., Criminal Justice Administration (2017) Columbia College — B.A., Business (2017)

CERTIFICATIONS

Certified Anti-Money Laundering Specialist (CAMS) — ACAMS, 2025 CFE Candidate — Actively enrolled through Iowa Vocational Rehabilitation PROJECT HIGHLIGHTS

Sanctions Alert Playbook: Reduced redundant alert clearing by ~75%, resolving false matches within seconds instead of weeks.

Red Flag Analysis Sheet: Developed fraud-pattern tool for business identity theft cases; trained team on use, improving detection speed and accuracy. TOOLS & SYSTEMS

Case Management Systems • Sanctions Screening Platforms • Adverse Media Search Engines • Excel/Sheets Tracking • Secure File Management • Regulatory Writing

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