BSA/AML
Resume:
DAVID RUCKER
CLEVELAND, OHIO 44113
***********@*******.***
PROFESSIONAL EXPERIENCE
Bank Secrecy Act Investigator, Lead April 2007 - Present
AmTrust Bank Cleveland, Ohio
Applies and maintains a comprehensive knowledge of laws and regulations related to one or more of the following: Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act and the Office of Foreign Asset Control. Adheres to all regulatory and departmental procedures and policies in support of the bank’s BSA compliance program. Examines and monitors most complex account transactions for suspicious activity, evaluating potential loss situations. Conducts or coordinates the most complex investigations of suspicious and unusual customer transaction behavior pertaining to money laundering and the illegal use of account relationships for criminal activity, drug trafficking and terrorist funding. Recommends filing of a Suspicious Activity Report (SAR) to appropriate parties. Mentors, trains and assists less experienced investigators and support staff. Acts as a primary liaison to federal law enforcement agencies on matters relating to illegal or improper activities under the Bank Secrecy Act and USA Patriot Act. Prepares documentation and case files relating to the filing of suspicious activity reports.
Develops, reviews, recommends and implements approved policies and procedures to detect the occurrence of suspicious customer transaction activity. Reviews and recommends changes to business rules to better identify patterns of activity that uncover legitimate suspicious activity under the Bank Secrecy Act and USA PATRIOT Act. Participates in the administration of personnel related matters including interviewing, and recommendations for hire, disciplinary action and training and development of staff. Prepares reports to keep management informed of department activities, such as the nature and status of the investigations in progress. Educate employees in the importance and application of the Bank Secrecy Act and the USA Patriot Act. Keeps informed of current compliance regulations and best practices in the field of bank compliance. Makes decisions relating to the handling of suspicious activity cases. Delivers accurate, responsive and courteous customer service to every customer (internal & external) every time. Participates in special projects as required. Performs other duties as assigned.
ANTI-MONEY LAUNDERING INVESTIGATOR JANUARY 2006 – APRIL 2007
Key Bank N.A. Brooklyn, Ohio
Primary responsibility: Investigation of suspected or known criminal activities involving money laundering or terrorist financing. Prepared written reports of investigations and made recommendations for prevention of subsequent similar occurrences. Prepared cases for criminal prosecution and presented evidence to appropriate State, Federal, and Local law enforcement agencies. Applied the Bank Secrecy Act (BSA) regulations to the investigations of criminal activity. Well-informed of the anti-money laundering, state and federal regulations. Maintained working relationships with law enforcement agencies and other institutions to ensure the bank is informed of all relevant potential risks.
FRAUD INVESTIGATOR MAY 2004 -MARCH 2005
Telhio Credit Union Columbus, Ohio
Primary responsibility: detection, identification and investigation of criminal activities attempted or perpetrated against the bank. Conducted investigations related to loan fraud, check forgery, new account fraud, check kiting schemes, counterfeit check fraud and issues of internal theft and employee misconduct. Responsible for investigating claims leading to the identification, arrest and conviction of suspects and recovery or restitution of fraud losses. Acted as liaison and maintain strong networking between other financial institutions, law enforcement and postal authorities. Ensured BSA Act requirements for suspicious activity reports were followed according to federal and state regulations. Developed and instituted training for retail and support staff.
FRAUD INVESTIGATOR JUNE 2002 -MAY 2004
Fifth Third Bank Cincinnati, Ohio
Primary responsibility: detection, identification and investigation of criminal activities attempted or perpetrated against the bank. Including but not limited to, the investigation of unjust enrichments from the bank where recovery is principally obtained by personal contact or by civil action. Prepared necessary documentation for recovery through criminal prosecution or civil action. Responsible for Investigating the circumstances surrounding the fraudulent use or misuse of bankcards, merchant fraud, fraudulent loans, fraudulent checks, internal frauds and making whatever recovery possible of merchandise and money obtained by such fraud, the recovery of such cards, and the arrest and prosecution of the user. Appeared in court and grand jury proceedings as necessary to effect and complete prosecution in these cases. Responsible for the administration of cases and the direction of personnel in card fraud services and detection and prevention.
CRIMINAL INVESTIGATOR DECEMBER 2001- MAY 2002
Criminal Investigations Division Quantico, Virginia
Investigated criminal violations of the Uniform Code of Military Justice in matters of interest to the Armed forces of the United Sates. Typical duties include: the conduct of criminal investigations, report writing, submitting case recommendations, finger printing, evidence inventory, conducting interrogations and witnesses interviews. Participating in covert operations, assisting in serving high risk warrant, diplomatic security, drug interdiction, surveillance associated with criminal activities and providing support to other Federal agencies in conducting criminal investigations.
INVESTIGATOR II NOVEMBER 2001- JUNE 2002
Ohio Civil Rights Commission Cincinnati, Ohio
Investigated charges of discrimination based in public employment and public accommodation. Gathered evidence and interviewed witnesses. Made recommendations based on findings under State and Federal laws to the Commission.
CORRECTIONS OFFICER JANUARY 2000 - NOVEMBER2001
Medina County Sheriffs Department Medina, Ohio
Direct supervision of 256 inmates, booking, inventory of evidence, and provide support to correction facilities and a member of the jail extraction team.
EDUCATION
Bachelor's Degree Criminal Justice, Ashland University, Ashland Ohio – May 1995
Masters Program National Security Studies/Terrorism, American Military University – Anticipated graduation December 2008
Interview & Interrogation School, Reid & Associates, Hamilton, Ohio
CERTIFICATIONS
Certified Regulatory Compliance Expert, CUNA, Tempe, Arizona
Certified Money Laundering Specialist, ACAMS, Brooklyn, Ohio
MILITARY EXPERIENCE
Sergeant, United States Marine Corp, Marine Corps Infantry, Camp Pendelton, California, 10 years
Mobile Strike Team Section Leader
Marine Corps Martial Arts Instructor Course (Green Belt), Camp Lejeune, North Carolina
Marine Corps Combat Reserve Instructor Course, Camp Lejeune, North Carolina
Infantry Squad Leaders Course, Camp Pendleton, California
REFERENCES
Provided upon request
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