Antoinette Bruner
San Antonio,TX
Summary
Detailed-oriented team player with above average organizational and customer service skills with over 20+ years' financial experience and 12+ years' experience in the AML/KYC space. Highly dependable and a personal commitment to successfully completing assigned tasks with little supervision and accuracy. The willingness to continue to grow and develop new skills.
Overview
26
26
years of professional experience
1
1
Certification
Work History
KYC Compliance Analyst Senior
USAA
10.2022 - Current
- Serve as a subject matter expert on compliance matters, providing guidance and support to my team and colleagues across various departments.
- Collaborate with cross-functional teams for the successful implementation of new compliance initiatives.
- Monitor adherence to industry regulations, ensuring timely reporting of any discrepancies or violations.
- Assist with the implementation of team objectives and policies and procedures to meet organizational goals and objectives focused on AML/KYC in support of USAA and its membership.
- Provide change management opportunities as needed for procedures and critical issues.
- Proactively identify, escalates and provides recommendations for AML/KYC related risks and issues in support of KYC Standards and concepts.
- Participate in the development, implementation and maintenance of USAA AML compliance technology tools used in the KYC process.
- Assist the team and other analyst regarding work prioritization to ensure goals are accomplished for KYC Customer profiles.
- Assist in other activities and duties as required to develop, improve, implement, monitor and control aspects of BSA Compliance for USAA AML/KYC.
KYC Compliance Analyst I
USAA
06.2021 - 10.2022
- Produce a risk-based written analysis of customers who require periodic review and escalate to the appropriate CoSA's for file remediation, as needed
- Assist USAA Anti-Money Laundering (AML) and Office of Foreign Asset Control (OFAC) Enterprise services in meeting USAA's regulatory requirements of preventing, detecting and reporting suspected money laundering and terrorist financing activities
- Responsible for AML Compliance implementation of KYC Standards
- Contribute to excel KYC Team accuracy and compliance effectiveness by reviewing and editing KYC alerts completed by Third-party vendor, Treliant
- Continuing to strive for exceptional quality in support of KYC and USAA to be a compliant company
- Work KYC complex alerts such as Trust and business entities which require attention to detail and demonstrates the flexibility to the various KYC alert types
- An effective team player that peers and management team is able to rely on; assisting team members on other teams by working reassigned alerts that are approaching SLO to avoid missed deadlines and regularly assists teammates with questions in direct support of opportunities to expand knowledge in KYC
- Tested the newly developed KYC Review Log and KYC Job Aid SharePoint site to ensure the efficiencies and effectiveness for all KYC Analyst and KYC Team in direct support of the continued innovation in KYC and building for the future
- Process improvement suggestions sent to KYC Support Unit to help strengthen day to day task
- Notably, regarding the job aid and a request for consistency to avoid misinterpretation by KYC Analyst/QA/QC particularly related to the Process Job Aid 9.2 Obtain the Transactional Data
- KYC Operations Pulse Champion (2022-Present), ability to listen and communicate with co-workers anonymously and present their feedback, ideas, and/or concerns with KYC and ERC Management monthly to discuss trending feedback and opportunities for positive change in support of KYC/USAA.
AML Compliance Investigator II
USAA
05.2016 - 06.2021
- Conduct extensive thorough investigations to assist the Enterprise with compliance of the BSA, the US Patriot Act, and OFAC, utilizing Portal, AML enterprise case management tool (ECAMS), and other AML program requirements identifying suspicious activity related to money laundering, terrorist financing, or other illicit activity and provide analysis of findings in written format
- Complete detailed multi-page narrative of investigation findings in the form of a SAR or no SAR, in accordance with regulations and limitations
- Works with law enforcement regarding complex investigations in relation to financial crimes
- Responds to law enforcement subpoenas regarding criminal investigations
- Collaborates with enterprise partners to facilitate the development of business rules, requirements and artifacts on AML related issues
- Excellent communication skills and comfortable working with different levels of management in monthly account closure meetings
- As a Subject Matter Expert, train and mentor AML Compliance Investigator new employees and contractors on USAA process and procedures and AML typologies.
AML Compliance Analyst II
USAA
09.2011 - 05.2016
- Analyze member identification for suspicious information and/or financial transaction data to detect, report, and prevent suspected money laundering and terrorist financing activities in accordance with the BSA, the US Patriot Act, and OFAC, utilizing Portal, AML case management tool (ECAMS), and other applications as needed
- Assist with and review potential OFAC matches, utilizing Bridger, ECAMS, and LAPS to ensure individuals/entities are not matches on OFAC sanction lists
- As a Subject Matter Expert, train and mentor AML Detection new employees and contractors on USAA process and procedures
- Assist with updating/revising AML procedures and risk assessments for USAA credit and debit card rules, and USAA checking accounts to ensure the Enterprise maintains a risk-based AML/BSA and sanctions program, complete with system controls to prevent our products from being used to facilitate money laundering, terrorist financing or other illicit activities
- Assist with testing of AML scenarios and made recommendations for potential solutions to include credit cards, manual referrals, pre-paid spending cards, most recently a new process with an external vendor, TCS, to improve AML Detection operational efficiency during the information gathering stage of the alert analysis process
- An active team member in the AML & OFAC Operations team effort of successful OCC and FDIC satisfactory rating, for consecutive years
- Volunteered to assist with the 2016 U-Count initiative along with 2 other individuals, leading the team's action plan (11/2015-12/2016).
Fraud Control Analyst
USAA
06.2006 - 09.2011
- Manage caseload in First Track to include MasterCard, Visa, and American Express within the regulatory required timeframes
- Completing all actions prior to the exceeding timeframe
- Maintain a monthly recovery rate of 95% or better on CNP claims
- Officially commended for dependability in performance evaluations
- Assisting team members their case loads
- Facilitate training for American Express
- Assist in creating American Express training tools.
Resolution Specialist
USAA
05.2005 - 06.2006
- Respond to and process credit card dispute request for MasterCard and Visa accounts
- Maintained an above average rating on monthly call monitors
- Processed over the average number of chargebacks per month
- Processed 1972 chargebacks totaling $403.4K in 2005
- Assisted team learning the Work Portal tool.
Bank Servicing Specialist II
USAA
11.2002 - 05.2005
- Responsible for providing personalized service to members that meets to exceed members time and quality expectations
- August 2004, in the first group Bank Servicing cross-trained to handle both deposit and credit card services
- Exceed standards for all call monitors, providing excellent service to our members while completing functions with accuracy.
Administrative Support Representative
McLeod USA
04.2001 - 02.2002
- Support of sales staff by processing sales transactions from inception to conversion
- Entering sales information into customer database (AS400)
- Interacting with sales representative and service delivery representatives in order to resolve issues related to incomplete and incorrectly processed sales orders
- Review daily sales reports to verify accuracy and quality of sales data, keeping the Sales Manager informed
- Entering all order related to business sales by ensuring that each order meets quality standards and required timelines.
Business Service Representative
AK Communications Systems
11.1997 - 07.2000
- Provide telephone service to new or existing Residential or Business customers
- Assisted in Lead duties when Lead scheduled out
- Taking on escalated calls, report work staff time to payroll
- Meet all customer needs regarding ACS services and equipment
- Process service orders for single line residential customers and complex business customers
- Assist with Tolls Department, update customers LIBD information for long distance usage
- Make necessary toll adjustments and return to proper local exchange carrier.
Education
Major Business Administration, Minor Criminal Justice -
University of The Incarnate Word
04.2026
Major, Liberal Arts -
University of Alaska Anchorage
1994
Major, Liberal Arts -
Marymount College
01.1993
Skills
- Microsoft Outlook 360
- Compliance Knowledge
- Compliance Monitoring
- Regulatory knowledge
- Due Diligence (CDD, EDD, SDD)
- Anti-Money Laundering
- Exceptional Investigative Skills, 10 years Fraud/AML Investigations/KYC
- Team Management Experience
References
Available Upon Request
Certification
- Certified Know Your Customer Associate (CKYCA), ACAMS 11/2023
Timeline
KYC Compliance Analyst Senior
USAA
10.2022 - Current
KYC Compliance Analyst I
USAA
06.2021 - 10.2022
AML Compliance Investigator II
USAA
05.2016 - 06.2021
AML Compliance Analyst II
USAA
09.2011 - 05.2016
Fraud Control Analyst
USAA
06.2006 - 09.2011
Resolution Specialist
USAA
05.2005 - 06.2006
Bank Servicing Specialist II
USAA
11.2002 - 05.2005
Administrative Support Representative
McLeod USA
04.2001 - 02.2002
Business Service Representative
AK Communications Systems
11.1997 - 07.2000
Major Business Administration, Minor Criminal Justice -
University of The Incarnate Word
Major, Liberal Arts -
University of Alaska Anchorage
Major, Liberal Arts -
Marymount College