Ann Barrett
Highlands Ranch,CO
Summary
Dynamic financial services professional with over 20 years of experience specializing in Financial Crimes Risk Management. Demonstrated expertise in identifying and mitigating risks while ensuring strict compliance with regulatory standards. Committed to leveraging extensive industry knowledge to enhance organizational success and promote a secure financial environment. Proven ability to drive initiatives that safeguard assets and uphold the integrity of financial operations.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Financial Crimes Risk Management (FCRM) Risk Assessment Manager
Charles Schwab
01.2021 - Current
- Work effectively with the Financial Crimes Risk Management (FCRM) Risk Assessment Team in the preparation of risk assessments for risks associated with the Charles Schwab Corporation (CSC) and its subsidiaries.
- Facilitate the risk assessment data process, including performing data collecting, data analysis, trends analysis, and research. Gather relevant data (customers, accounts, transactions, trades, etc.) and FCRM key metrics (cases, alerts, SARs, losses, etc.) for the risk assessments in accordance with applicable rules, laws, regulations, risk management principles, and regulatory agency expectations.
- Review data to identify, assess, and report on financial crimes risk associated with each component of the FCRM program including Money Laundering/Terrorist Financing (ML/TF), Economic Sanctions, Conduct, and Fraud.
- Partner with key stakeholders to complete and maintain risk assessments and other documentation during risk assessment cycles.
- Support the qualitative and quantitative evaluation of risks to determine the effectiveness of Ratings that characterize the level of inherent risk.
- Assist in the creation of risk assessment results and reports for consumption by internal and external stakeholders (Senior Leadership, Risk Committees, Boards of Directors, and External Regulators).
Financial Intelligence Unit (FIU) AML Compliance
Citigroup
01.2018 - 01.2019
- Responsible for performing AML Reviews/Investigations of account activity and recommending filing of Suspicious Activity Reports (SARs) and/or relationship termination, as appropriate.
- Documented and reported the review/investigation findings and prepared case files with required supporting documentation (e.g., media search results, copies of statements/checks, results from internal system searches, etc.).
Financial Intelligence Unit (FIU) Compliance Analyst III
MoneyGram International
01.2017 - 01.2018
- Conducted advanced investigations where suspicious activity has been detected, including that generated from alert detection processes, subpoenas and warrants, negative media reports, as well as other sources.
- Created and filed Suspicious Activity Reports (SARs) and recommended relationship retention or termination.
Financial Intelligence Unit (FIU) Investigator
Western Union Financial Services Company
01.2010 - 01.2017
- Analyzed data and investigated Western Union activity related to money transfers surfaced by monitoring reports or external referral sources which exhibited anomalous patterns.
- Identified new/emerging patterns/typologies based on a wide range of research/investigative techniques; validate networks and patterns within large datasets and resolved complex investigations related to money laundering, terrorist financing, and fraud cases.
- Prepared and completed various regulatory reports such as Suspicious Activity Reports (SARs).
Reporting and Analytics – High Risk Loans
Aurora Loan Services LLC (subsidiary Of Lehman Brothers)
01.2009 - 01.2010
- Designed reports for monthly and quarterly metrics to key business leaders/Legal partners as well as other reporting requirements.
- Daily tracking of workflow metrics and monthly preparation of key volume and performance measures.
Master Servicing Server Balancer
Aurora Loan Services LLC (subsidiary Of Lehman Brothers)
01.2007 - 01.2008
- Ensured that reports and remittances from primary servicers were accurate and received within timeframes established in Servicing Agreement.
- Managed investor portfolios through review, analysis, and research of accounts and data, and communicated with the servicer concerning issues.
Investor Reporting Analyst
Aurora Loan Services LLC (subsidiary Of Lehman Brothers)
01.2005 - 01.2006
- Processed reporting cycle cutoff and all monthly reporting.
- Reconciled investor portfolios, processed remittances, gathered supporting documentation and prepared reasonableness tests.
Master Servicing Contract Administration
Aurora Loan Services LLC (subsidiary Of Lehman Brothers)
01.2003 - 01.2004
- Managed portfolio of Aurora Loan Services problem assets and repurchase claims acting on behalf of Lehman Brothers.
- Identified potential compliance and fraud issues to provide analysis to all functional areas of the company as it related to mortgage banking State and Federal regulations.
Education
BBA - Business Administration
Texas Tech University
1996
Skills
- Intermediate Microsoft Excel skills
- Data manipulation with SQL
- Analytical insights
- Expertise in AML and BSA compliance
- Financial crime investigations
- Expertise in quality evaluation
- Risk Management
- Cryptocurrency Compliance
Certification
- Crypto Compliance Specialization – Association of Certified Financial Crime Specialists (exam October 2025)
- SQL Essentials - IBM certified (2024)
- Certified Fraud Examiner (CFE) – Association of Certified Fraud Examiners
Timeline
Financial Crimes Risk Management (FCRM) Risk Assessment Manager
Charles Schwab
01.2021 - Current
Financial Intelligence Unit (FIU) AML Compliance
Citigroup
01.2018 - 01.2019
Financial Intelligence Unit (FIU) Compliance Analyst III
MoneyGram International
01.2017 - 01.2018
Financial Intelligence Unit (FIU) Investigator
Western Union Financial Services Company
01.2010 - 01.2017
Reporting and Analytics – High Risk Loans
Aurora Loan Services LLC (subsidiary Of Lehman Brothers)
01.2009 - 01.2010
Master Servicing Server Balancer
Aurora Loan Services LLC (subsidiary Of Lehman Brothers)
01.2007 - 01.2008
Investor Reporting Analyst
Aurora Loan Services LLC (subsidiary Of Lehman Brothers)
01.2005 - 01.2006
Master Servicing Contract Administration
Aurora Loan Services LLC (subsidiary Of Lehman Brothers)
01.2003 - 01.2004
BBA - Business Administration
Texas Tech University
Similar Profiles
Lynsey DreyerLynsey Dreyer
Sr. Specialist, Risk Data and Infrastructure at Charles SchwabSr. Specialist, Risk Data and Infrastructure at Charles Schwab
Jaden SmootJaden Smoot
Broker Service Representative at Charles SchwabBroker Service Representative at Charles Schwab
ANGELINA ORFANOANGELINA ORFANO
Customer Service Representative at Charles SchwabCustomer Service Representative at Charles Schwab
Duncan HulstDuncan Hulst
Member Services at Highlands Ranch Community AssociationMember Services at Highlands Ranch Community Association
RONNITA CLAYTONRONNITA CLAYTON
Lash Technician at Amazing Lash StudioLash Technician at Amazing Lash Studio