Regulatory Compliance & Risk Analyst Specialist

Roddrick Thigpen

Professional Summary:

Risk/Fraud, ATO (account takeover), EFE (elder fraud exploration), ID Theft, documentation.

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.

Worked with risk management models, including the customer score risk, review, risk management policy, and governance model.

RCSA support: Regulatory compliance experience and knowledge includes but is not limited to: Reg E: Electronic Fund Transfers Reg F: Fair Debt Collection Practices Act, 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).

Regulatory compliance for Federal, State, and Industry. HIPAA.

Also, an innovative, meticulous professional with expertise in regulatory compliance & audit, risk measurement and analysis, process planning and implementation, and negotiating solutions.

Collaborative communicators continually focused on building solid relationships with customers, peers, and direct reports, and across business lines to drive process improvements and enhanced profitability.

Education & Certifications:

DEVRY Institute of Technology – Irving, TX, 1984

BS. Electronic Engineering Technology

Certifications

ACAM Certification Training (In progress online).

VERAFIN FRAML-x Training (Fraud Detection)

Collin County Community College (Real Estate / Finance)

Underwriting Compliance training through the Clayton Group

F&I University (American Financial & Automotive Services Inc.

Professional Experience:

Intuit, Plano, TX June 2025 – Jan 2026

KYC/KYB Analyst II

Systems: (IBOSS, LexisNexis, Taxport, Secretary of State, etc.) internal/external research on customers.

Accurately inputting customer information from various sources (articles of incorporation documents, ID documents, etc.) into databases and systems.

Communicated the steps involved in performing KYC/KYB checks, including gathering customer information and document verification.

Checking the validity of submitted documents (e.g., ID, proof of address, articles of incorporation documents) against the information we have on file. Ensure documents are not expired and complete. Met the target/expectation of cases to clear.

Provided support training regarding the core purpose of KYC and KYB to verify the identity of customers (individuals) and businesses to prevent fraud and compliance concerns.

Bank Of America, Dallas, TX Jul 2024 – Jan 2025

Risk/KYC Analyst

Systems: (MOC, ISS, WIREWATCH, SEARCH ANALYTICS, CEW, etc.)

Perform risk analysis of transactional data for suspicious activity, fraudulent transactions, and money laundering patterns.

Conducted KYC (Know Your Customer) checks and fraud detection on merchant accounts, including document verification, identifying validation, and financial risk assessment for new and existing customers, mitigating credit risk.

Pull transactional records from the bank system, conduct internal/external research on customers.

Investigate findings to determine if the case can be closed or escalated for suspicious activity reporting

Worked on a daily/weekly number of cases

Met the target/expectation of cases to clear

Report on daily production completion to Team Leads

USAA, San Antonio, TX Aug 2023 – Jun 2024

KYC/Fraud Investigator

Performing KYC/KYB due diligence, including collecting, reviewing, and verifying customer or business documentation to ensure compliance with regulatory requirements and internal policies.

Documenting and maintaining accurate and up-to-date records of KYC/KYB findings, risk assessments, and decisions in line with audit and regulatory standards.

Conducting investigations of fraud cases, documenting investigative findings, and determining whether the case should be escalated/referred for further review or action.

Analyzing transactional data and conducting internal and external research on subjects using a variety of research tools.

Reviewing and investigating customer profile information (PI, email, phone, etc.).

Understanding and applying procedures, including procedural changes throughout the engagement, into the investigation.

Drafting documentations to be filed with FinCEN by clients, where necessary.

Establishing effective working relationships with PW teams and client stakeholders (as applicable).

Meeting production targets and quality standards.

Maintaining a strong level of independence and time management skills.

Maintaining close attention to detail.

Completing required training as assigned.

Wells Fargo, Irving, TX Sep 2022 – Aug 2023

Compliance Analyst

Maintain compliance risk expertise and consulting for projects and initiatives with moderate to high risk, over multiple business lines.

Established, implemented, and maintained risk standards and programs to drive compliance with federal, state, agency, legal, regulatory, and Corporate Policy requirements.

Supported RCSA via the following Regulatory Requirements: 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.

Drive compliance with federal, state, Industry, agency, legal, and regulatory and Corporate Policy requirements via SHARP, ENGIn (Step 5 BACO Applicability and Step 6 Control mapping), and CUBE platforms.

Review MCR Citations, establish RAU applicability, and associated attributes.

Review MCR’s citations via Green Book and CUBE tools for federal to ultimately support RCSA.

Review MCR Citations to determine RAU applicability and associated attributes, to establish Controls and identify gaps.

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

Provided oversight and monitoring of business group risk-based compliance programs.

Oversaw Front Line's execution and challenged appropriately on compliance-related decisions. Developed and provided independent, credible challenges to standards with subject matter expertise. Provided direction to the business on developing corrective action plans and effectively managing regulatory change. Reported findings and made recommendations to management and appropriate committees.

Identified and recommended opportunities for process improvement and risk control development. Receive direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements. Monitored the reporting, escalation, and timely remediation of issues, deficiencies, or regulatory matters regarding compliance risk management.

Reviewed Front Line's execution and challenges appropriately on compliance-related decisions. Make decisions and resolve issues to meet business objectives. Interpret policies, procedures, and compliance requirements.

Collaborated and consulted with peers, colleagues, and managers to resolve issues and achieve goals. Worked with complex business units, rules, and regulations on moderate to high-risk compliance matters. Interfaced with Audit, Legal, external agencies, and regulatory bodies on risk-related topics.

ERNST & YOUNG Feb 2021 – Sep 2022

Risk Analyst

Corresponding lending Senior Consultant on the Financial Crime team, I was part of multiple projects that required me to give the best advice to our clients using my knowledge and experience to provide the best outcomes.

Worked with risk management models, including the customer score risk, review, risk management policy, governance model, Corresponding banking and brokerage accounts.

Conducted KYC/KYB due diligence for both individuals and entities, including document verification, risk profiling, and compliance checks aligned with regulatory and internal requirements.

Supported the onboarding and review lifecycle by maintaining accurate KYC/KYB records, assisting with periodic reviews, and executing enhanced due diligence where required.

Supported a major project for a financial services client, MUFG.

Work with both Actimize, SAS, Java, Purview, and other proprietary tools to mitigate various financial risk factors.

Providing inputs into the application of regulatory standards and supporting the development of solutions to resolve complex financial crime risks and issues.

Work with risk management models, including the customer score risk, review, risk management policy, and governance model.

Developing AML regulatory assessments to identify gaps and recommendations for improvement to align with the international best practices and regulations.

Experienced in implementing Data Governance using Microsoft Visio, Excel, Collibra, and IBM’s IGC (Information Governance Catalog)

Supporting clients performing the investigation of suspicious activities regarding anti-money laundering prevention and terrorist financing.

Creating innovative and proportionate insights for our financial crime clients, adapting methods and practices to fit their business needs.

Supporting the team management.

Contributing to the development of the Financial Crime team, acting as mentor and coach to the junior members of the team, and leading by example.

Understand EY and its service lines and actively assess/present ways to serve clients.

Texas Capital Bank, Richardson, TX Jul 2020 – Jan 2021

Risk/KYC Analyst

Conducted KYC/KYB reviews to verify customer and business identities, assess risk levels, and ensure due diligence documentation was complete and up to date.

Flagged accounts exceeding maximum daily deposit limits and identified suspicious transactions requiring Currency Transaction Reports (CTRs) or further escalation.

Built and maintained custom transaction data models and workflows on the Salesforce platform, supporting fraud and compliance case management.

Responsible for monitoring and analyzing transactional data to identify potential Bank Secrecy Act violations within high-risk countries and detecting suspicious customer activity, including fraud and money laundering.

Researched, analyzed, investigated, and validated data related to internal fraud and suspicious activities in accordance with bank policies and procedures.

Responded to Actimize alerts and reviewed all Fiserv deposit transactions, including third-party checks, duplicates, mobile deposits, and wire transfers, to ensure compliance with and KYB requirements.

Identified internal control weaknesses and customer profiles that posed potential fraud risks.

Produced high-quality investigative case files that met strict accuracy and documentation standards.

Collected documentary evidence to support case findings for suspicious activity, ensuring records met regulatory and audit standards.

Interpreted policy guidelines and regulatory requirements related to financial crime compliance and implemented tasks accordingly.

Flexible and responsive to additional duties as assigned by management.

Sun/Trust Bank, Atlanta, GA Aug 2019 – Jul 2020

KYC Analyst

Responsible for the implementation and ongoing administration of compliance programs, with a strong focus on KYC/KYB frameworks to mitigate financial crime risks.

Reviewed filings and reports submitted to regulatory agencies, ensuring that KYC/KYB documentation and client information met regulatory standards and audit readiness.

Collected, refined, and translated complex business requirements into system configurations, optimizing applications for efficient capture and validation of KYC/KYB data.

Built and maintained custom Salesforce applications incorporating data models, business logic, user interfaces, and workflows specifically designed to streamline KYC/KYB processes, client risk assessments, and case management.

Conducted detailed KYC/KYB reviews, including customer identification, verification of beneficial ownership, risk profiling, and periodic revalidation to ensure adherence to AML/CTF regulations.

Ensured compliance with applicable laws and regulations by conducting transactional testing and thorough reviews of business units, technologies, and processes, identifying gaps related to customer onboarding and ongoing monitoring.

Helped create automated workflows to collect project data and monitor client relationships, ensuring comprehensive tracking of customer due diligence and risk indicators.

Evaluated compliance adherence by analyzing large datasets, generating detailed reports on results, emerging risks, and trends to inform management decisions and regulatory submissions.

Supported onboarding and remediation processes by identifying discrepancies in client data, escalating high-risk cases, and recommending corrective actions aligned with regulatory guidance.

Performed administrative and compliance reviews, evaluated regulatory filings, updated policies, and advised business units on evolving commercial banking compliance obligations related to client due diligence.

Interpreted complex policy guidelines and regulatory frameworks to execute compliance activities, focusing on enhancing the accuracy and completeness of KYC/KYB documentation.

Analyzed Trust and Beneficial Ownership documentation to identify compliance gaps, ensuring controls were in place to detect and report suspicious ownership structures.

Monitored and analyzed routine and high-value transactions for unusual patterns or behaviour, integrating findings into client risk profiles and escalating potential violations for further investigation.

Collaborated with cross-functional teams to continuously improve KYC/KYB workflows and ensure seamless integration of compliance requirements into daily operations.

Provided training and guidance to junior team members on KYC/KYB best practices, regulatory expectations, and effective use of compliance tools.

Wells Fargo, Columbia, SC Mar 2019 – Aug 2019

Business Analyst II

Estate planning trust document review and related technologies and vendor management processes. Evaluates compliance adherence through analyzing data and reporting results, risks, and trends to management.

Depending on level, performs activities such as administrative duties, reviewing filings, revising, evaluating, and communicating procedures, analysing database technology applications, and advising business units on applicable regulatory requirements and any necessary remediation related to client relationship management trust administration.

Review financial, estate, and tax planning, including the legal framework of trust and estate administration.

Review Participation/Syndication portfolio.

SQL, SQL queries (insert, searches, updates, and delete) SQL statement.

Review the Sub-ledger and General ledgers as they relate to debates and credits.

Determining the best choices in different situations with a diversified framework with flexible procedures.

Ensures applicable laws and regulations are met by transactional testing and reviews of estate plans and trusts for Wells Fargo customers.

Provide independent document interpretation and decision-making regarding the administration of account relationships to Trust assets.

Identify and resolve complex problems with minimal guidance.

Proficient knowledge of a complex commercial lending fast-paced environment with strict deadlines

Simultaneously manage multiple tasks, projects, and deadlines

My role required the highest degree of integrity and excellent social and professional etiquette.

Capital One, Plano, TX Jun 2018 – Mar 2019

KYC/Risk Analyst

Conduct thorough customer due diligence and enhanced due diligence by reviewing identification documents, verifying client information, and assessing risk profiles to ensure compliance with KYC regulations.

Monitor and analyse customer transactions and account activities to identify suspicious behaviour, escalate potential risks, and maintain accurate and up-to-date KYC records in line with regulatory requirements.

Assist with commercial banking and credit card systems in addition to LE (Law Enforcement) Subpoena in adhering to stringent Anti-Money Laundering regulations and compliance standards by researching, analyzing, and investigating customer/transaction behaviour for potential money laundering or terrorist financing related risks in accordance with regulators such as the OCC, FinCEN, and ATF.

Responsible for reviewing and approving high-risk monitoring alerts, Law Enforcement requests, Sanctions alerts, CTR/forms, and other duties related to the bank’s AML/CFT program as necessary. Prepare detailed investigative reports and executive summaries based on extensive CDD/ EDD using Actimize, Lexis Nexus, Word Check, and other external research.

Ensure that AML/ATF issues and events are reported and escalated in a timely manner.

Responsible for the identification of money-laundering, terrorist financing risk, and fraud mitigation

Perform detailed investigations, prepare suspicious activity reports, and evaluate the adequacy and effectiveness of management BSA/AML controls over transactions, CTR’s, Mobile Deposit/Third Party.

Evaluated transactions and customer relationships for money laundering activities and identified red flag issues.

Review BSA/AML/OFAC policies and procedures using Six Sigma and BPM methodologies such as process maps, FMEAs, etc., and update, as appropriate.

Compliance Subject Matter Expert (SME): Bank Products-BSA/AML/KYC/OFAC

Amazon – Lexis-Nexis, Seattle, WA May 2014 – Jun 2017

Compliance Analyst

Carry out compliance audits to identify potential gaps in process executions, then communicate results to relevant departments and management.

Conduct research on system-generated alerts and determine how the assessment impacts AML, document all results in the appropriate system in written form.

Review General Ledger activity.

Reviewed customer activity using LexisNexis Amazon Bridger and Jupiter platform to identify potential suspicious patterns and trends consistent with avoidance, velocity, rapid movement, elder abuse, tax fraud, social security fraud, Incoming/Outgoing with sanction countries.

Worked with management teams to design compliance procedures in accordance with guidelines and Risk.

Support team supervisors in executing certain responsibilities.

Conducted research on enterprise risk management systems, databases, and financial statements to resolve investigations.

Handle issues as appropriate for advanced investigation and analysis.

Performed special projects as needed.

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