Barbara Morales
2951 Willowleaf Ln,FL
Summary
Resourceful AML Analyst with a robust background in banking operations and compliance. Proficient in conducting detailed investigations into customers accounts ensuring alignment with regulator's standards and internal policies. Eager to contribute to a customer centric organization by providing knowledge and client satisfaction.
Overview
15
15
years of professional experience
Work History
Internal Control Analyst
Citibank, N.A.
01.2022 - 11.2025
- Executed comprehensive risk assessments to identify control weaknesses and enhance overall organizational compliance.
- Developed and implemented internal control frameworks to ensure adherence to regulatory requirements and industry standards.
- Conducted regular audits and reviews of financial processes, resulting in a 20% reduction in discrepancies over a twelve-month period.
- Collaborated with cross-functional teams to design and refine policies and procedures that optimize operational efficiency.
- Trained and supported staff on internal control best practices, fostering a culture of compliance and accountability.
- Engaged in continuous monitoring of internal controls and risk management processes to adapt to changing business environments.
- Monitored compliance with the organization's internal policies and procedures to mitigate risks associated with fraud and mismanagement.
Wires Operations Supervisor
Citibank, N.A.
07.2019 - 01.2022
- Ensured accurate documentation of all wire transfer requests, maintaining a 99% accuracy rate in transaction records.
- Managed a team of wire operation specialists, providing training and support to enhance performance and efficiency.
- Developed and maintained strong relationships with banking partners to facilitate smooth transaction processing.
- Analyzed wire transfer trends and metrics to recommend strategic improvements and enhance service delivery.
- Supervised the reconciliation of wire transfers with bank statements to ensure accurate financial reporting.
- Facilitated cross-departmental collaboration to streamline wire transfer processes and improve service efficiency.
- Collaborated with OFAC department to clear matching information and release the wire transfers successfully.
AML & Sanctions Analyst
Citibank, N.A.
11.2016 - 07.2019
- Conducted detailed investigations into suspicious transactions to ensure compliance with AML regulations.
- Monitored transactions in real-time, escalating any alerts related to potential AML violations to senior management.
- Utilize pertinent information to write clear and concise summaries on the findings of investigations and Filed Suspicious Activity Reports (SAR) when needed.
- Work closely with Global/Regional Compliance, Transaction Services Business Compliance Officer, CSIS and Legal Counsel on compliance matters (as deemed necessary)
- Conduct Cross Sector reviews among multiple line of business
- Conducted due diligence on high-risk clients and transactions to ensure compliance with AML policies.
- Knowledge of the laws applicable to money laundering, including Bank Secrecy Act, USA Patriot Act, US Treasury AML guidelines and OFAC requirements
- Understands how duties relate with others in the team/unit and how to integrate with others to accomplish the daily work
Investigations Unit
Citibank, N.A.
06.2010 - 11.2016
- Analyze customer's accounts in order to fulfill their banking needs.
- Identified root cause to prevent re-occurrence of the same issue
- Inform the customers in an efficient and timely manner.
- Knowledge of wire transfers (Domestic and International) and federal regulations "Dodd-Frank" and Travel Rule.
- Manage all swift messages (incoming and outgoing) communications with other banks when issues arise.
Education
Associate - Communications
Bayamon Central University
Bayamon, PR05-1992
Skills
- Problem-solving abilities
- Team collaboration
- Operational efficiency
- Risk assessment
- Multitasking Abilities
- Analytical skills
- Teamwork
- Adaptability and flexibility
- Reliability
- Problem-solving
- Attention to detail
Languages
Spanish
Full Professional
Timeline
Internal Control Analyst
Citibank, N.A.
01.2022 - 11.2025
Wires Operations Supervisor
Citibank, N.A.
07.2019 - 01.2022
AML & Sanctions Analyst
Citibank, N.A.
11.2016 - 07.2019
Investigations Unit
Citibank, N.A.
06.2010 - 11.2016
Associate - Communications
Bayamon Central University