FRANCES.T. MCBOROUGH

Collaborated with cross-functional teams for the successful implementation of new compliance initiatives.

• Monitored adherence to industry regulations, ensuring timely reporting of any discrepancies or violations.
• Served as subject matter expert on compliance matters, providing guidance and support to colleagues across various departments.
• Prepared documentation and records for upcoming audits and inspections.
• Enhanced regulatory compliance by conducting thorough risk assessments and implementing effective control measures.
• Assisted in reports for senior management, outlining findings from investigations into suspected non-compliant activities.
• Reviewed audit and monitoring reports related to consumer and client activities.
• Assisted in development of comprehensive risk assessment framework for evaluating potential threats to organizational compliance systems.
• Evaluated third-party vendors for compliance with applicable laws and regulations, minimizing potential exposure to penalties or sanctions.
• Participated in external audits, liaising with regulators to address any concerns raised during inspections effectively.
• Helped create training programs to handle system-wide issues and maintain compliance.
• Reviewed contracts and agreements for adherence to legal requirements, reducing potential liability exposure for the company.
• Performed deep audits of Cobra, Hipaa, phi to assess compliance with federal standards.
• Collected detailed notes on investigations and other communication to adhere to legal requirements and enhance recordkeeping.
• Evaluated and monitored supplier and partner relationships to support compliance.
• Advised clients on compliance fraud and investigations, as well as potential remedies and required actions.
• Maintained confidentiality, handling sensitive information discreetly throughout all stages of audit process.

• Write quality narrative addressing Currency Transaction Report (CTR) alerts, sanctions alerts, and other applicable AML processes in accordance with regulations and time limitations
• Handling issues as appropriate for advanced investigation and analysis
• Review KYC documentation and perform specialized due diligence as needed
• Review and detect transactional alerts from transactional activity (wire transfers, checks, security transactions, trade finance letters of credit, loans cash letters)
• Request additional information by contacting various compliance or business personnel to determine if unusual transactions closure of investigation or if further reporting is warranted
• Draft and prepare Quality narrative/disposition after thorough investigations
• Conducting additional analysis and in-depth review and entities to meet QA standards
• Reviewing alerts and mitigating or escalating alerts
• Reviewing all of alerts
• Reviewing BAU alerts and Cases
• Review Look Back cases
• Build relationships with Global investigations and compliance unit, effectively communicating and transferring information for case investigations
• Utilize U.S
• Patriot Act, Bank Secrecy Act, AML, OFAC, and other AML regulatory policies to cases and alerts being reviewed.
• Identified threats, vulnerabilities suspicious behavior patterns to recommend mitigation measures.
• Strengthened AML compliance by conducting thorough risk assessments and monitoring transactions.

• Provides account services to customers by receiving deposits and loan payments; cashing checks; issuing savings withdrawals; recording night and mail deposits; cashier's checks, traveler's checks, and series e bonds
• Answering questions referring to other banking services
• Records transactions by logging cashier's checks, traveler's checks, and other special services; preparing currency transaction reports
• Cross-sells bank products by answering inquiries; informing customers of new services and product promotions; ascertaining customers' needs; directing customers.
• Completes special requests by closing accounts; taking orders for checks; opening and closing Christmas and vacation clubs; exchanging foreign currencies; providing special statements, copies, and referrals; completing safe-deposit box procedures
• Reconciles cash drawer by proving cash transactions; counting and packaging currency and coins; reconciling loan coupons and other transactions; turning in excess cash and mutilated currency to head teller; maintaining supply of cash and currency
• Complies with bank operations and security procedures by participating in all dual-control functions; maintaining customer traffic surveys; auditing other tellers' currency; assisting in certification of proof
• Maintains customer confidence and protects bank operations by keeping information confidential
• Contributes to team effort by accomplishing related results as needed.
• Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
• Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.