LUPITA ANNIS
Salinas,CA
Summary
Detail-oriented Compliance Officer/ Fraud Investigator dedicated to improving policies and procedures in all business areas. Hardworking and driven with quality-focused and proactive approach. Bringing 17+ years of experience in fraud detection / prevention Compliance/Global Sanctions Industry.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Sr. Sanction Compliance Analyst
Apple
03.2022 - Current
- Handle global sanctions escalations throughout business and assess any sanctions risk exposure and/or reporting obligations as relevant (4000 - 5000) high risk escalations per month.
- Train staff on nuances in sanctions rules and regulations to ensure they are equip to handle their roles and responsibilities effectively.
- Assisted investigation and risk management teams with sanction investigations and risk identification.
- Review of transactions and/or customer/employee and partner profiles and assess sanctions risk and appropriate mitigation thereof. Last line of defense, third tier.
- Serve as Subject Matter Expert for complex sanction cases, providing expert guidance and decision making to resolve issues and high priority escalations effectively.
- Stayed current with latest changes to applicable regulatory standards and company procedures.
- Reported sanction related issues, risks and opportunities for enhancement to senior management.
- Helped create sanction related training programs.
- Developed and maintained compliance database, tracking all compliance activities and documents.
- Maintained up-to-date knowledge of applicable laws and regulations
Sr. KYC Compliance Analyst (Controls & Governance)
Bank Of The West
01.2021 - 12.2021
- Responsible for conducting in depth KYC on-boarding client review and analysis of legal documentation and other related information to ensure appropriate Customer Due Diligence (CDD) and legitimacy.
- Conducted Sanctions, PEP and Adverse News checks on Clients accounts and made recommendation on whether to retain or terminate BOTW client relationship.
- Reviewed new prospect KYC documents to meet requirements and determine business model risk
- Supported KYC processes for prospective and existing customers.
- Conducted KYC formality reports on questionable accounts and transactions
- Advanced knowledge of BSA, AML, KYC and OFAC laws and regulations.
- Communicate of necessary documentation requests or changes to branches and followed though via email or phone to ensure requested documentation/changes were properly submitted.
- Provided Compliance Support by reviewing, auditing and monitoring high risk profiles to identify, assess and mitigate BSA/AML risk in business activity.
- Prepared documentation and records for upcoming audits and inspections.
- Performed periodic reviews and reports on merchants to comply with rules, regulations and KYC requirements
Sr. Corporate Security Investigator
Bank Of The West
07.2020 - 12.2020
- Researched, analyzed, and investigated fraudulent bank behavior and abuse on complex internal and external cases with potential losses and/or suspected criminal activity.
- Examine high volume of AML related transaction alerts (800-1200
per month) and where required, draft clear, concise Suspicious
Activity Reports (SAR) and Currency Transaction Reports (CTR) - Collected, analyzed and interpreted information, documentation, and evidence associated with investigations.
- Investigated all types of fraudulent behavior for transactions related to ACH, Zelle, Bill Pay, Venmo, Check Fraud, Romance Scams, First Party Fraud, Covid-19 related Fraud.
- Specialized in identifying cyberfraud and account takeovers, made use of cybersecurity work background from previous roles.
- Carefully documented statements, observations, and evidentiary materials.
- Obtained and analyzed information on suspects to solve cases, identify criminal activity or organize supporting documentation for court cases
Senior Bill Pay Analyst/Investigator
Fiserv, INC
09.2017 - 10.2019
- Analyzed financial transactions to identify fraudulent activities through multiple of investigative methods/ networks and examined a wide range of data to essentially follow clues that help identify BillPay fraud.
- Reviewed all types off electronic money transfers such as A2A transfers, P2P transfers, Overnight Payments,ACH, Popmoney, Zelle to detect potential fraud activity.
- Coached and trained new associated in Dublin, Ohio and Sunnyvale, CA in the various methods of fraud investigation related to ACH, Bill Pay, Zelle, Overnight and P2P payments.
- Analyzed EWS (Early Warning Services) Zelle Mules and Scam files for emerging trends to secure accounts, recover funds and notify partner financial institutions.
- Identified and resolved problems through root cause analysis and research.
- Performed system analysis, documentation, testing, implementation, and user support for platform transitions.
- Applied various analytical techniques to diverse situations
ACH Fraud Risk Specialist /Investigator (ACH)
Fiserv, INC
09.2012 - 10.2017
- Understand and actively ensure compliance with Bank's Business Standards of Conduct and all Patriot Act, CIP, Anti-Money Laundering, Bank Secrecy Act, Information Security and Suspicious Activity reporting requirements, Regulation E, NACHA ACH Rules, OFAC and other regulatory and compliance policies and procedures.
- Reviewed, investigated and processed ACH Disputes, and Charge-backs.
- Worked closely with clients on initiatives and plans to help reduce and prevent fraudulent ACH transactions
- Performed testing of transactions, procedures, policies and other set criteria for ACH Originators; as needed.
- Monitored, analyzed and reviewed transactions to detect possible fraudulent behavior related to ACH fraud.
- Responsible for building and maintaining thriving relationships between partners and vendors, cultivating a culture of collaboration, transparency and mutual success.
- Examine high volume of ACH related transaction alerts (2400- 3000) per month.
- Advised senior managers on policy strategies for reducing liability and preventing losses.
- Developed short-term goals and long-term strategic plans to improve risk control and mitigation.
- Investigated allegations to check validity and recommend actions to minimize risk.
Senior Fraud Investigator
HSBC
10.2004 - 11.2010
- Fraud Investigator focused on all fraud types such as ID Theft, Takeover, Mail/Phone/Internet/Romance Scams, Friendly Fraud and First Party Fraud.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Produced detailed reports of fraud investigations and presented findings to senior management.
- Tracked fraud cases and monitored trends to develop strategies for prevention.
- Evaluated customer data to identify and prevent fraudulent activities.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Produced detailed reports of fraud investigations and presented findings to senior management.
- Coached and trained staff on fraud prevention techniques to increase awareness and reduce risk
Fraud Operations Representative
HSBC
10.2003 - 11.2004
- Assisted in verifying accounts for fraudulent activity and consulted with customers to confirm information and when necessary initiated account suspensions or would temporarily freeze accounts to prevent further fraudulent activity.
- Collaborated with various departments to support daily activities oversight and coordination.
- Handled customer needs and issues by working with representatives and customers directly.
- Managed over 12 calls per hour, 96 calls daily.
Education
Associate -
Hartnell College
Salinas, CA10.2012
Skills
- Leadership- Decision Making
- Critical and Critical Thinking
- Due Diligence- Decision Making
- Anti-Money Laundering
- Bank Secrecy Act (BSA)
- Fraud Detection
- Types of fraud/scams and identifying emerging trends
- Proficiency in Actimize Case Manager, FraudNet, Lexis Nexis, SalesForce, Financial Crimes Risk Manager (FCRM), Compass, Dow Jones
- High Integrity
- Driven by Excellence
- Team building
- Flexible and Adaptable
- Organizational Skills
References
- Mary Parks, Fiserv, Inc, 614-374-1036
- Maritza Dominguez, Affirm, 510-332-7369, Maritza_424@yahoo.com
Certification
Bilingual Certification.
Affiliations
Associate member of Association of Certified Fraud Examiners (ACFE)
Languages
Spanish
Native or Bilingual
Timeline
Sr. Sanction Compliance Analyst
Apple
03.2022 - Current
Sr. KYC Compliance Analyst (Controls & Governance)
Bank Of The West
01.2021 - 12.2021
Sr. Corporate Security Investigator
Bank Of The West
07.2020 - 12.2020
Senior Bill Pay Analyst/Investigator
Fiserv, INC
09.2017 - 10.2019
ACH Fraud Risk Specialist /Investigator (ACH)
Fiserv, INC
09.2012 - 10.2017
Senior Fraud Investigator
HSBC
10.2004 - 11.2010
Fraud Operations Representative
HSBC
10.2003 - 11.2004
Associate -
Hartnell College