Summary
Overview
Work History
Education
Skills
Timeline
Generic
Anesia Ridge

Anesia Ridge

Prosper

Summary

Diligent risk and anti-money laundering analyst with over 15 years of experience, with a successful track record in devising and implementing strategic operational initiatives that drive efficiency, mitigate financial risks, deliver quality customer outcomes while ensuring strict adherence to all regulatory compliance standards within the corporate banking structure.


With a proven track record at Copart and Capital One Financial Corporation, I excel in leveraging my expertise in Regulatory Compliance.


Critical thinker with a strategic mindset that renders detailed analysis and thoroughly conducts comprehensive
investigation research to support well-informed decision-making.



Overview

18
18
years of professional experience

Work History

Ethics & Compliance Analyst

Copart
11.2023 - Current
  • 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 a subject matter expert on compliance matters, providing guidance and support to colleagues across various departments.
  • Responded promptly to inquiries from regulators or other stakeholders regarding company practices, demonstrating transparency and commitment to ethical conduct at all times.
  • Assisted in the preparation of reports for senior management, outlining findings from investigations into suspected non-compliant activities.
  • Collaborated with law enforcement agencies for effective information sharing and case resolution.
  • Assisted investigation and risk management teams with fraud investigations and risk identification.
  • Assisted Human Resources with investigations of employees that was submitted via the Ethics line
  • Investigated transactions that was flagged in Copart's internal database
  • Reviewed, investigated and responded to subpoenas.
  • Assisted with chargeback of member's accounts
  • Filed SARs on confirmed fraud and/or money laundering activity
  • Processed pending payments


Sr. Anti Money Laundering Investigator I

Capital One Financial Corporation
09.2019 - 10.2023
  • Subject Matter Expert (SME) for auto loan, credit card, Bank and corporate credit card investigations
  • Conduct Law Enforcement Reviews
  • Review system generated, ad hoc alerts, supplemental cases including Peer to peer transactions, Human trafficking and bank wires to and from high-risk countries to assess presence of illicit and high risk activity that may require reporting based on Bank Secrecy Act (BSA/AML) requirements, conduct research as required, and document detailed results in a written format and brand/reputation risks to assist in development, implementation and revision of current policies and procedures
  • Wrote suspicious activity reports (SARs), analyze Current Transaction Reports (CTRs), address sanction alerts, consumer loan fraud, ID theft, and other applicable AML/Fraud processes in accordance with regulation and time limitations.
  • Complete 314(b)s & customer outreach for necessary information Request and review Know Your Customer Information (KYC) Train new hires for Auto Finance Anti Money Laundering and Fraud alert/cases
  • Keep abreast of new rules, regulations and brand/reputation risks to assist in development, implementation and revision of current policies and procedures
  • Work on special projects for department training and systems
  • Evaluated customer profiles for potential money laundering risks, contributing to informed decision-making processes within the institution.
  • Assisted management in setting performance metrics for investigative staff, driving continuous improvement initiatives within the department.
  • Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents.
  • Played a crucial role in identifying trends and patterns related to money laundering schemes through data analysis techniques.

Anti Money Laundering Investigator II

Capital One Financial Corporation
01.2017 - 09.2019
  • Demonstrated strong analytical skills in evaluating complex financial data for potential fraud indicators or signs of money laundering activity.
  • Conducted projects to detect fraud, waste and abuse.
  • Supported management in devising strategies to minimize financial crime risks across the organization.
  • Maintained updated knowledge of industry best practices, regulations, and emerging trends in the field of anti-money laundering.
  • Worked on special projects for department training and bank wires to and from high-risk countries to assess presence of illicit and high risk activity that may require reporting based on Bank Secrecy Act (BSA/AML) requirements, conduct research as required, and document detailed results in a written format and brand/reputation risks to assist in development, implementation and revision of current policies and procedures.
  • Trained and provided support for 75 new hires and contractors on Anti Money Laundering and Fraud alerts/cases, conducted quality reviews, answered questions and provided guidance.
  • Facilitated cross-functional collaboration among various departments for an integrated approach towards AML efforts.


Office of The President-Executive Response Analyst

Capital One Financial Corporation
08.2014 - 01.2017
  • Increased customer satisfaction through continuous improvement initiatives and excellent customer service.
  • Managed crisis situations effectively while minimizing disruption to daily operations.
  • Established a culture of accountability by setting clear expectations and holding individuals responsible for results.
  • Responsible for researching customer complaints via online segments for Tier 2 complaints
  • Responsible for setting up appointments and discussing accounts with Risk Management and Sr Leaders
  • Responsible for reporting process breakdowns, complaint resolution synopses to upper management, fielding incoming calls and corresponding with customers in writing through both electronic and letter channels
  • Required to flag potential regulatory compliance violations or potential risk to prevent Corporate regulatory Complaints Responsible for producing various forms of written correspondence to customers, leadership and external entities

Direct Risk Management & Underwriter

Capital One Financial Corporation
09.2009 - 08.2014
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
  • Made approval and denial recommendations by determining accurate risk levels. Used Capital One software (CLO, Titan, DRATS, EXTRA and IRIS), Industry software (Lexis Nexis, Fast Data and PACER), Credit Bureau records various internet websites to review auto loan applications, documents for ID theft, document fraud, SSN/Synthetic fraud and possible straw purchases for 3rd parties
  • Responsible for recommending changes to new and existing processes and procedures within the fraud department and mad all decisions on risk management issues that directly impact the strategic direction of the company.
  • Collaborate with other departments such as Funding, Customer Service, Titles, Bank and Credit card services when required to effectively complete all the necessary steps to clear an account for funding
  • Responsible for referring confirmed accounts to Anti Money Laundering team for further investigations and file report with Government agencies by completing Suspicious Activity Report
  • Set the strategic risk management vision and in charge with delivering the strategy to the company using exceptional leadership skills, network of internal and external alliances and highly developed business skills
  • Maintain and apply knowledge of applicable Federal Regulatory and Card brand rules and regulations, including but not limited to CIP/KYC, merchant settlement, dispute resolution, charge back management and compliance

Universal Agent- Account Supervisor

Capital One Financial Corporation
03.2007 - 09.2009
  • Enhanced customer satisfaction by efficiently addressing and resolving inquiries.
  • Managed multiple tasks simultaneously to meet strict deadlines and achieve project goals.
  • Delivered exceptional service by consistently exceeding performance metrics and quality standards.
  • Developed rapport with customers, fostering long-term relationships built on trust and excellent service.
  • Answered highly escalated calls
  • Served as the main point of contact for customers and dealerships, communicated status of customer accounts
  • Reviewed contract package and contract structure to determine if it meets regulatory and Capital One policies, procedures and guidelines. Review all documentation and verification for inconsistencies and misrepresentation
  • Resolved issues that arose on individual loans on a daily basis
  • Reviewed customer and dealer document for accuracy and relevance

Education

High School Diploma -

James Madison High School
Dallas Texas
05-1989

Skills

  • Reporting skills
  • Legal research
  • Project management
  • Documentation skills
  • Research proficiency
  • Consumer-related reporting
  • Ethics management
  • Documentation review
  • Critical thinking
  • Activity monitoring
  • Transaction Monitoring Operations (TMO)
  • Risk/Fraud Management Finance/Analytics
  • Suspicious Activity
  • Reports (SARs)
  • Know Your Customer (KYC)
  • Actimize/ActOne
  • Regulatory Compliance Critical Thinking
  • MS Office Suite
  • Research/Investigation Coaching
  • Problem Solver
  • Training/Facilitation

Timeline

Ethics & Compliance Analyst

Copart
11.2023 - Current

Sr. Anti Money Laundering Investigator I

Capital One Financial Corporation
09.2019 - 10.2023

Anti Money Laundering Investigator II

Capital One Financial Corporation
01.2017 - 09.2019

Office of The President-Executive Response Analyst

Capital One Financial Corporation
08.2014 - 01.2017

Direct Risk Management & Underwriter

Capital One Financial Corporation
09.2009 - 08.2014

Universal Agent- Account Supervisor

Capital One Financial Corporation
03.2007 - 09.2009

High School Diploma -

James Madison High School

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Anesia Ridge