Amina Siddiqui
Richardson,TX
Summary
Analytical and results-driven Fraud Risk & Financial Crime Analyst with 5+ years of experience in fraud detection, transaction monitoring, and risk mitigation across global financial institutions. Skilled in leveraging data analysis and SQL to identify emerging fraud patterns, design scalable risk processes, and enhance financial ecosystem integrity. Proven collaborator experienced in cross-functional coordination with Product, Engineering, and Compliance teams to reduce risk exposure while maintaining an excellent user experience. Passionate about driving innovative fraud strategies and protecting the payment ecosystem from evolving threats.
Quality-driven Compliance Analyst familiar with tracking, documentation and reporting requirements. Assesses work, materials and procedures and recommends adjustments to maintain compliance. Over several years of experience and motivated, energetic mindset.
Overview
11
11
years of professional experience
Work History
Financial Crimes Compliance Analyst
Goldman Sachs
09.2024 - Current
- Monitor and analyze transaction activity across different credit card company portfolios to detect and mitigate complex fraud typologies.
- Identify and investigate high-risk behavior including first-party fraud, synthetic IDs, and account takeovers using tools like Actimize, Lexis Nexis, Tableau, and SQL.
- File SARs and CARs, perform AML reviews, and ensure compliance with OFAC, BSA/AML, and FinCEN regulations.
- Collaborate with AML, risk, and product teams to improve detection rules, mitigate process gaps, and strengthen fraud prevention controls.
- Conduct root-cause analysis on fraud trends and provide recommendations to enhance transaction fraud strategy and scalability.
- Analyzed compliance data to identify potential risks and ensure adherence to regulations.
Credit Risk Analyst (Contract)
Intuit
01.2022 - 08.2022
- Performed data-driven credit risk assessments for consumer and business lending portfolios.
- Collaborated with underwriting and data analytics teams to improve decision accuracy and optimize lending workflows.
- Identified key risk indicators and implemented credit process enhancements to support fraud reduction and credit performance.
- 6-Month Contract
- Analyzed credit risk data to assess potential loan defaults and mitigate financial exposure.
Risk & QA Analyst
PNC Bank NA
01.2022 - 02.2024
- Assessed quality of SARs/CARs to ensure accuracy and compliance with federal regulations; provided coaching to investigators to enhance case quality.
- Analyzed fraud data to identify emerging patterns across Zelle, ACH, wire, and card channels—supporting strategic risk initiatives.
- Partnered with compliance and data teams to streamline fraud monitoring processes and implement performance improvement plans.
- Tools: Oracle, Lexis Nexis, Emailage, Salesforce, Yardi Voyager, Giact.
Risk Specialist
Bank of America (via TTEC)
05.2019 - 06.2020
- Conducted investigations on Zelle and card transaction fraud, identity theft, and account takeover cases.
- Leveraged Falcon and Lexis Nexis to analyze behavioral patterns and recommend corrective actions.
- Supported continuous improvement of fraud risk models through case insights and reporting.
Fraud Department Representative
Warid Telecom
11.2014 - 11.2016
- Investigated customer fraud claims, processed transactions, and provided fraud education to clients.
- Ensured high service quality and compliance with company and regulatory standards.
Education
Some College Coursework - Finance, Business-related field
Skills
- Tools: Actimize, Lexis Nexis, Tableau, SQL, Oracle, Emailage, Confluence, Salesforce, Giact, Accurint
- Risk & Compliance: AML/BSA, OFAC, FinCEN, Reg E/Z/W, FCRA, UDAAP
- Core Competencies: Transaction Fraud Analysis, Risk Strategy Development, Data Analytics, SAR/CAR Reporting, Process Optimization, Fraud Pattern Detection
- Compliance monitoring
- Due diligence
Languages
English (Fluent)
Urdu (Fluent)
Hindi (Fluent)
Punjabi (Fluent)
Arabic (Basic)
Professional Traits
- Analytical Thinker
- Detail-Oriented
- Cross-Team Collaborator
- Fast Learner
- Decisive Yet Empathetic
- Passionate About Data-Driven Risk Strategy
Timeline
Financial Crimes Compliance Analyst
Goldman Sachs
09.2024 - Current
Credit Risk Analyst (Contract)
Intuit
01.2022 - 08.2022
Risk & QA Analyst
PNC Bank NA
01.2022 - 02.2024
Risk Specialist
Bank of America (via TTEC)
05.2019 - 06.2020
Fraud Department Representative
Warid Telecom
11.2014 - 11.2016