Anna Ramirez

- Identified, measured, monitored, and controlled risks associated with business activities.

- Adhered to written risk and compliance policies and procedures for business activities.

- Evaluated the quality and validity of KYC data elements and recommended appropriate risk-based business actions during onboarding and ongoing monitoring.

- Assisted with the implementation of standards, policies, and procedures to meet organizational goals and objectives focused on Bank AML/OFAC.

- Proactively identified and provided recommendations for Bank AML/OFAC related risks and issues in support of regulations, policies, and standards.

- Utilized documentary and non-documentary evidence to verify the identity of customers.

- Provided recommendations to continuously improve processes and controls for the team and the Bank AML Program.

- Identified and prevented potential fraud, money laundering, terrorist activities, or other illegal activities, escalating advanced activities and issues when applicable.

- Ensured required data and evidence met quality standards and were documented in the appropriate location in the AML system of record.

- Partnered with other cross-functional teams to research, analyze, and resolve member KYC profile or account maintenance issues.

- Performed advanced maintenance, research, and resolution of member accounts related to AML/OFAC.

• Utilize documentary and non-documentary evidence, as appropriate, to be applied to verify the identity of the Customer
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled for the team and Bank AML Program
• Assist with the implementation of standards, policies, and procedures to meet organizational goals and objectives focused on Bank AML/OFAC in support of the Bank and its members
• Proactively identify and provide recommendations for Bank AML/OFAC related risks and issues in support of regulations, policies, and standards
• Provide recommendations and suggestions to continuously improve processes and controls for the team and Bank AML Program
• Ensure required data and evidence collected meet the quality standards and are documented in the appropriate location in the AML system of record
• Collaborate with other cross-functional teams to research, analyze, and resolves member KYC Profile or account maintenance issues
• Prioritize and provide oversight to ensure daily goals are met when working closely with team members as well as independently.

• Responsible for reviewing transactional data to detect and escalate potential suspected money laundering and terrorist financing activities to AML Investigations or AML Special Investigations
• Refer unusual transactional activity to the Anti-Money Laundering Investigations (AMLI) team with analysis and summary for moderately complex findings
• Identify, recommend, and execute potential solutions that monitor, detect, or prevent money laundering or terrorist financing activity
• Proactively identify and provide recommendations for AML/OFAC related risks and issues in support of regulations, policies, and standards
• Produce quality narratives with generated moderately complex alerts
• Detect and analyze red flags for money laundering and terrorist financing activity
• Utilize Anti-Money Laundering (AML) case management tool and other internal software-driven systems to monitor, research, and analyze trends related to member transactional activity for moderately complex to complex alerts/cases
• Serve as an OFAC/Sanction's Compliance Subject Matter
• Demonstrate the ability to work alerts in a fast-paced environment while maintaining high-quality scores
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled
• Perform independent reviews, identify, and escalate red flags
• Work efficiently with minimal to no supervision.

• Proactively identify, escalate, and provide recommendations for AML/KYC related risks and issues in support of KYC Standards and concepts
• Conduct research, analyze, and evaluate additional verification utilizing documentary and non-documentary evidence to verify the identity of the Customer
• Responsible for building positive rapport along with coordinating and collaborating with Enterprise partners to facilitate the development of business rules and requirements to include Member Security Advisor Services (MSAS), Bank Executive Resolutions, Enterprise Financial Crimes Management, FSB Fulfillment, Real Estate, Consumer Lending, Pre-Com Academy Team, Survivor Relations Team (SRT), Account Take Over (ATO), and Quality Assurance
• Serve as a Subject Matter Expert (SME) ensuring deliverables are met while certifying the correct data is provided
• Implement business solutions to meet business needs
• Serve as a BSA, AML Subject Matter Expert (SME), and OFAC by displaying critical thinking and problem-solving
• Responsible for onboarding and training new employees
• Serve as a mentor and a resource to less experienced team members by providing feedback, coaching, and guidance
• Refer and detect unusual pattern activity and or red flags related to fraud, money laundering, and terrorist finance activity to the Anti-Money Laundering Investigations
• Manage, mentor, and develop bank MOET during the transition from Enterprise Anti-Money Laundering (EAML) Second Line of Defense (SLoD) to the Bank First Line of Defense (FLoD)
• Foster open communication and ensure ongoing success in daily huddles and meetings
• Educate bank analyst on best practices, coach new hires, and display a positive and patient attitude while ensuring I'm readily available to assist
• Delegate daily tasks and responsibilities to warrant and maintain delivery timetable
• Consistently attain and exceed quality expectations
• Handle member escalations, audit reviews, and customer status discrepancies while providing problem resolution
• Participate in the development, implementation, and maintenance of Enterprise AML Compliance technology tools used in the KYC process
• Validate required data and evidence to ensure they meet the quality standards
• Periodically assist with firming early aamine A ale wai onel Pro Fernes hires
• Processes to ensure compliance, product competitiveness
• Utilize AML case management tool and systems to monitor, research, and analyze trends related to unusual and transactional activity
• Conduct periodic reviews, alert scenarios, systematic alerts, and manual referrals
• Lead by example
• Perform process and system demonstrations as well as step by step walk through to certify accuracy and enhance confidence and participation
• Lead AML/KYC key initiatives, workstreams, working groups, and projects
• Provide change management opportunities as needed for procedures and escalations
• Assist in activities and duties required to develop, enhance, implement, monitor, and control aspects of BSA compliance for the Enterprise.

• Composes daily emails and assign and assess daily workload according to daily workload
• Deletion of emails/responding to any items from the Enterprise, allows space for new items to come into Group email account
• Review and clean-up of the IDV email bucket
• Ensure all rules are working properly and emails are being distributed to correct folders
• Responsible for collecting and confirming a member's identity
• Receive and review daily documents in response to requests processed by TCS
• Perform follow-up calls for additional documentation
• Forward suspicious document for fraud review
• Responsible for closing final alerts at 30 days to be compliant with the USA PATRIOT Act
• Responsible for researching and responding to executive correspondence related to the CIP process
• Utilize AML case management tool and systems to monitor, research, and analyze trends related to unusual and transactional activity
• Conduct periodic reviews, alert scenarios, systematic alerts, and manual referrals
• Lead by example
• Perform process and system demonstrations as well as step by step walk through to ensure accuracy and enhance confidence and participation
• Lead AML/KYC key initiatives, workstreams, working groups, and projects
• Serve as a Member Advocacy for AML/CIP Program by collaborating with Enterprise partners to facilitate the development of business rules, requirements
• Provide the required research and provide trend analyses
• Advisor to onshore contractors
• Process
• Responsible for answering emails, within 48 hours, regarding escalations, inquiries, questions, process troubleshooting, IT system issues, ticket resolution, and Review and completion of Cuban CIP alerts and POl work items and any escalated issues to Legal
• Submit updates to Cuban Procedure
• Advisor to P&C
• Questions
• Responsible for answering emails, within 48 hours, regarding process inquiries, process troubleshooting, IT system issues, ticket resolution, and escalations
• Organize notebook for deliverables and meeting notes
• Responsible for advising anyone outside of CIP Ops of our process.

• Serve USAA as a member of the Bank Executive Resolution
• Responsible for facilitating the resolution of issues through collaboration with EFCM and other business partners
• Research, plan, develop implement, and administer rules, requirements, procedures, contracts, and processes to ensure compliance, product competitiveness, profitable growth, and adherence to USAA's commitment to being World Class
• Responsible for coordinating with appropriate stakeholders and program/project sponsors to help ensure successful product and initiative implementation
• Develop and manage consistent execution of operational and market performance policies across multiple operations centers and provide trend analyses
• Proactively dentis supitunes alertimupport shushessongs calmet businesses d, Identity Verification, Identity Theft Assistance, and Authentication
• Track 3P call center excellence responsibilities, offline tasks, and phone stats to best utilize MSRs where and when needed to meet team priorities and establish SLO's
• Facilitate 3P supplier quality assurance by continuously validating processes and procedures and providing feedback
• Conduct calibration sessions to ensure quality assurance for both external and internal agents
• Knowledge and experience with the USA PATRIOCT Act
• Experience with the Customer Identification Program (Identity Verification-IDV)
• Leadership experience
• Project knowledge
• Understand business needs and identify opportunities to assist in the development of current processes and solutions
• Experience handling escalated calls and identifying appropriate solutions
• Create and facilitate meetings, trainings, and generate communication effectively both externally and internally
• Assist with the launching of a new third-party supplier in Louisville KY
• Grant and request system access for onboarding employees
• Build rapport using listening and communication skills
• Responsible for peer coaching
• Assist with Senior duties
• Provide daily reports for average call handling.

• Handled incoming calls and responded to member inquiries related to Card Fraud, Identity Theft, and Identity Verification
• Cross-trained to review identification documents and clear members, as appropriate, in support of the Identity Verification process
• Responsible for department newsletters
• Responsible for providing updated policies and procedures
• Provided management assistance with recognition and motivational contest boards and ideas
• Performed peer-to-peer coaching
• Served as a mentor for newly hired team members
• Responsible for reporting and detecting unauthorized charges
• Identity Theft Assistance (TAC) Dashboards/House call
• Account Take Over (ATO) House call
• CEO complaint correspondence
• Weekly quality assurance monitors
• Monetary adjustments
• Assisted with the transition of IDV and MSV calls to our 3rd Party Supplier.

• Responsible for replying to daily email correspondence within SLO
• Demonstrated written and oral communication along with a high level of customer service
• Identify and provide financial services and cross-sell services identify opportunities and coaching.

• Responsible for establishing, retaining, and deepening customer relationships by performing efficient and accurate banking transactions and opening and closing accounts in support of Bank goals and objectives
• Contributes towards fostering teamwork within the department
• Process credit card payments, balances, and refunds
• Provide member research and resolution.