Margaret Uyanga
Dallas,Tx
Summary
Highly motivated compliance analyst, enthusiastic professional with over 7 years, with a positive attitude and strives to ensure that all tasks are accomplished. A team player with strong organizational, interpersonal and a great communication skill. Critical-thinking and customer-focused analyst who ensures the highest level of integrity of client information, systems, and databases. Experienced in analytical and clients focused roles including CDD, EDD, SDD, Remediation, Fraud investigation, Anti-Money Laundering Screening and SAR narrative writing and filing. Extensive experience to ensure compliance with BSA/AML, OFAC, USA Patriot Act, FinCEN, and OCC regulations.
Overview
7
7
years of professional experience
Work History
SAR Investigator Analyst
Charles Schwab
05.2022 - Current
- Identified Reg flags such as Transactions involving, unknown relationship to beneficiaries/originators, particularly in a High-Risk location as well as unusual High Transaction Velocity, Pass through account, as well as overpayment activity or request for refunds
- Prepared SAR information documents and files, including drafting & writing of detailed SAR narratives and documentation of all investigation conducted
- Liaise with branch and internal lines of business on gathering information, conducting research, requesting additional information, and advising on possible account closure related to alert investigations
- Conduct investigations on cases relating to attempts to avoid reporting threshold (structuring), multiple deposits of monetary instruments, money orders of less than 10k, multiple ATM withdrawals to avoid threshold as well as multiple transactions relating credit cards, appearing to be suspicious
- Participate weekly in presentation of escalated alerts to SAR Committee for confirmation of FINCEN filing requirements
- Maintains familiarity with appropriate investigation techniques to support AML monitoring activities, including research utilizing, Actimize, Lexis Nexis, Thomas Reuters Clear Tool, Standard Chartered systems, intranet, internet, and external vendor solutions as appropriate
- Accurately identifies money laundering red flags, terrorist financing and fraud relating to High-Risk entity, High Risk member, High Risk product and services, an OFAC sanctioned entity
- Validated transactions monitored for wires in and out of High-Risk Geographies, unknown source and used of funds, as well as transactions and timing patterns indicate of avoidance/structuring
- Evaluated case assessments for evidence of AML /BSA program violations, members that are PEP related, members associated with negative news or adverse information.
Transactional Monitoring Analyst/SAR Writer
Prosperity Bank
10.2019 - 03.2022
- Conduct transactional monitoring to identify suspicious activities and escalate for further investigation
- Identify structuring, unusual activity and escalate to appropriate channel for further investigation
- Review large data sets and summarize using the Pivot Table
- Review System generated alerts, to determine the suspicious activity triggered, for, escalate the alert if need be for further review or closed as Justify No
- Evaluate transactions and customer relationships based on established protocols
- Maintain compliance with legal regulatory mandates such as BSA, USA Patriot Act, AML and OFAC list
- Monitor and escalate transactions for suspicious activities
- Conduct historical review on clients to identify suspicious behavior and unusual, inconsistent activities
- Identify data anomalies and red flags for money laundering, terrorist financing, fraud, and sanctions violations, and escalate for second level review
- Ensuring compliance with regulatory and operational policies
- Review System generated alerts, assess impact to AML processes, conduct research as required, and document results in written format
- Experience in investigating, research, analyzing and evaluating varying degrees of complex cases of suspicious financial activities
- Experience with fraud typologies such as Third-party
- Analyzed Anti Money Laundering risk of the primary and related parties associated with cases under review
- Investigate violations of AML norms that may warrant hot-listing or close down account and use CIP to differentiate between victim and perpetrator of fraud
- Patriot Act, Bank Secrecy Act, AML, OFAC, and other AML regulatory policies as it relates to cases and alerts been reviewed
- Collect and document data, including alert, investigation, or Suspicious Activity Report (SAR) history; Know Your Customer (KYC) information; relevant account and transaction data; plus, any other required information to assist investigation
- Performed Due Diligence using LexisNexis, Google, World Check etc
- Create reviews, and updates compliance policies and procedures.
AML Investigator Analyst
United Texas Bank
07.2017 - 09.2019
- Analyze transactional and member data using AML risk model and other analytic tools to identify and maintain an active list of higher risk members; comply with Customer Due Diligence and Enhanced Due Diligence program requirements on high-risk members
- Monitor all financial transactions / activities through Transaction Monitoring (Automated Tool) AML system
- Created cases on Automated Tool that led to Request for Information (RFI) to first line of defense for alerts requiring further investigation
- Perform searches utilizing internet sources and/or third-party vendors to determine negative news and obtain due diligence information for prospects and new/existing customers
- Analyze customer data, transactional activity, and open-source information to determine legitimacy and potential risk exposure
- Analyzed & evaluated KYC/ CDD documents and findings and dealing with risk cases and taking decisions to retain or escalate
- Supplied proof that false positives were proven to be correct and updated Actimize
- Researched client information using screening tools such as LexisNexis, Google, Pacer., etc
- Identifying PEP’s, Suspicious activities, and mitigating them as required by Fincen guidelines
- Reviewing and updating KYC files with missing and updated information to satisfy compliance requirements
- Extensive Knowledge/understanding of CDD, EDD, and SDD
- Adhere to all designated time frames, manage workflows to the specified deadlines and complete responsibilities in a satisfactory manner
- Conduct analysis on client’s database to create customer monitoring report and report to FINCEN
- Perform AML risk-based review and analysis on individual and business accounts and make recommendations for further reviews.
KYC Compliance Analyst
Union Bank
08.2015 - 06.2017
- Facilitating client onboarding by ensuring that client meets KYC requirements before being onboarded
- This includes Domestic and International entities/clients
- Performed user acceptance testing for KYC application and KYC remediation projects
- Review client’s KYC profile as per regulatory and internal standards
- Review new accounts to ensure appropriate identification and monitored currency transaction log
- Conduct initial review of KYC files for new and existing clients and ensure it adheres with bank's customer identification programmed
- Exceeded goals through effective task prioritization and great work ethic.
Education
B.sc - Business Administration
Leads University
2007
Skills
- Strong Verbal and written communication
- Strong organizational, problem-solving, and analytical skills
- Compliance, Transactional Monitoring, and SAR Investigation
- Microsoft Excel
- Microsoft Words
- LexisNexis, Thomas Clear
- Risk Assessment Analysis
- Customer Due Diligence (CDD)
- Enhanced Due Diligence (EDD)
- AML/KYC Regulations
- Verafin, Patriot Officer, New Actimize
- Sale Force, FINRA/IAPD
Timeline
SAR Investigator Analyst
Charles Schwab
05.2022 - Current
Transactional Monitoring Analyst/SAR Writer
Prosperity Bank
10.2019 - 03.2022
AML Investigator Analyst
United Texas Bank
07.2017 - 09.2019
KYC Compliance Analyst
Union Bank
08.2015 - 06.2017
B.sc - Business Administration
Leads University