Ana Khinchikashvili

Conducts AML and fraud investigations involving funds-through activity, threshold avoidance/structuring, first-party fraud, account takeover, identity theft, and suspicious transaction patterns.
Reviews customer activity to identify unusual behavior and determine potential money laundering or fraudulent activity.
* Performs KYC, Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and beneficial ownership reviews.
* Prepares detailed Suspicious Activity Reports (SARs), investigative memorandums, and case documentation that met regulatory and internal quality standards.
* Analyzes transaction histories, account relationships, payment flows, and external research to identify financial crime risks.
* Conducts OFAC and sanctions screening, adverse media reviews, and identity verification.
* Utilizes multiple internal systems and external databases to support investigations and risk assessments.
* Collaborates with Quality Assurance, Compliance, Risk Management, and Operations teams to ensure consistent application of AML policies and regulatory requirements.
* Maintains productivity and quality standards while managing a high-volume investigative caseload.
* Interprets BSA/AML regulations, internal procedures, and financial crime typologies to support accurate case decisions.
* Assists with process improvements, knowledge sharing, and training initiatives to enhance operational efficiency.

• Manage, analyze, and maintain client data, ensuring that all data is accurate, up-to-date, and compliant with internal policies and Know Your Customer (KYC) regulations, maintaining a 100% audit compliance rate without exceptions.
• Represent the team during audits and controls testing for the exceptions process, coordinating with the Controls team, KYC Business Analysts, and Senior Leadership to create presentations that effectively illustrate key findings. Conduct compliance reviews across various Lines of Business, including Business Banking, Consumer Banking, OFAC, NAICS, Trust & Estates, LOB Transfers, BECG & EO, Mail Forwarding, and Missing CIP, ensuring adherence to regulatory standards.
• Manage and resolve escalated KYC cases, reducing the average time taken to resolve escalated issues by 8 hours/5 days through collaboration with the global Anti-Money Laundering (AML) and Global Financial Crimes Compliance (GFCC) teams.
• Analyze KYC escalation data by gathering, categorizing, and interpreting trends in complex data sets, leading to the establishment of a new SharePoint Site for Executive Office/Branch Complaints and LOB Transfer cases.
• Oversee the AML and KYC risk management and control framework, ensuring consistent application of best practices and control standards to mitigate potential risks, improving customer satisfaction ratings by 85%.
• Generate reports for senior leadership, covering Exceptions, SP Queue counts, Restrictions/Closures, NPA, ERISA, Letters, and Daily Work Returns, using advanced Excel functions, running macros, and conducting root cause analyses as required.
• Facilitate the integration and validation of inspection points for new change initiatives, ensuring compliance and operational efficiency, resulting in 90% of team members adaptation to new processes. Contribute to the Lean Management Operating System(LMOS)team by developing standardized processes for Escalations and incorporating them into team huddles, enhancing service levels and operational performance.
• Specialty Senior Specialist II – Compliance & Client Support

• Handled a portfolio of high-value clients, maintaining confidentiality and exceeding service-level agreements.
• Monitored and reported productivity, quality metrics, and service levels; proposed process enhancements to senior care teams.
• Mentored new staff as a Business Banking Subject Matter Expert in compliance and onboarding workflows.