Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

BARBARA PERKINS

Dallas,TX

Summary

Several years experience in the banking industry with several roles such as BSA/AML/KYC/QA. Strongest experience within the SR level QC role.

Overview

12
12
years of professional experience

Work History

SR QA Analyst

USB
11.2022 - 05.2024
  • Served as primary contact for audit and exam requests of the transactions monitoring department
  • Perform reconciliation activities for quality assurance of regulatory filings
  • Evaluate alerts against customer profiles to determine whether more analysis is needed
  • Reviews of Due Dilengence.Assements
  • Perform extensive investigations related to transaction monitoring and customer due diligence that could implicate potential money laundering, fraud
  • Prepare and document triage investigations and their dispositions according to FinCEN/FFIEC expectations and Bank Procedures Third party risk management assessment Monitor and manage third parties for accuracy
  • Prepare detailed escalation and dismissal narratives per FFIEC expectations and Bank procedures
  • Perform enhanced due diligence reviews of high and moderate risk customers
  • Identify opportunities for procedure enhancements and efficiencies within Financial Crimes operations
  • Maintain organized documentation related to financial crimes activities, including investigations, audits, and regulatory exams
  • Perform day-to-day activities consistent with safe and sound business practices and regulatory requirements
  • Providing regular feedback relating to quality assurance reviews to QA AML Management on how to improve their Investigations and SAR reporting
  • Conducting trend analysis on AML errors to include deficiencies in the investigations, SAR reporting, regarding suspicious activity, account type, or geographic trends
  • Assisting in the implementation of AML/BSA detection and prevention methods
  • Staying up to date on FinCEN guidance related to regulatory filings and providing information related to analyst training.
  • Administered [Number] internal quality audits and assessed results to inform corrective action measures

Senior QC Analyst

WELLS FARGO
04.2021 - 11.2022
  • Served as primary contact for audit and exam requests of the AML department
  • Perform reconciliation activities for quality assurance of regulatory filings
  • Evaluate alerts against customer profiles to determine whether more analysis is needed
  • Upload regulatory batch filings and processing acknowledgements and receipts
  • Evaluate the AML system and compliance officers and document review
  • Providing regular feedback relating to quality assurance reviews to QA AML Management on how to improve their Investigations and SAR reporting
  • Conducting trend analysis on AML errors to include deficiencies in the investigations, SAR reporting, regarding suspicious activity, account type, or geographic trends
  • Assisting in the implementation of AML/BSA detection and prevention methods
  • Staying up to date on FinCEN guidance related to regulatory filings and providing information related to analyst training.

Senior QA AML

TRUIST BANK
04.2019 - 04.2021
  • Reviewed system generated alerts to assess presence of illicit activity that may require reporting based on Bank Secrecy Act (BSA)/AML requirements, conduct research as required, and document detailed results in written format
  • Investigate wire transfers, cash deposit/withdrawal transactions, ACH activities, credit card activity, and ATM transactions
  • Investigated Transaction Analysis on individuals as well as large corporate entities
  • Completed Transaction Monitoring Alert Review (outsourcing, backlog)
  • Accurately identified money laundering red flags and SARs preparation with FinCEN within the required timeframes
  • Investigated entities via the sanction list (OFAC) as well as MSBs through (FinCEN) and negative news screenings
  • Maintained familiarity with appropriate investigation techniques to support AML monitoring activities, including research utilizing bank systems, intranet, internet, and external vendor solutions as appropriate
  • Dispositioned and fully documented all alerts, including supporting data, analysis and rational within case management system.

AML Analysts

CAPITAL ONE
04.2017 - 04.2019
  • Conducting high-quality research, assimilating, managing, and analyzing complex data, and producing actionable insights and high-value reports
  • Providing ongoing advice, insights, and support to a financial institutions, technology vendors, and consultants that subscribe to the research practices and playing an integral role in establishing and nurturing long-term client relationships
  • Leading and handling multiple advisory and consulting engagements as well as various firm and Fraud & AML practice initiatives and business development projects
  • Supporting and coaching team in expanding client base for research and consulting practices Regularly securing speaking engagements at industry and client conferences and events Becoming a source of reference for the trade and top-tier press
  • Successfully collaborated with internal audit teams during examinations, providing necessary information regarding the company''s AML program and related procedures
  • Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures
  • Investigated fraud referrals and performed research to minimize risk and resolve inquiries
  • Interacted with law enforcement agencies, regulators and financial institutions to coordinate investigations related to fraudulent activities

QC/Transactions Analysts

HSBC
05.2016 - 04.2017
  • Responsible for identifying and researching patterns, trends, schemes and anomalies in complex financial transactions to detect, prevent, mitigate and/or report suspicious activity related to money laundering, terrorist financing and fraud
  • Investigated wire transfers, cash deposit/withdrawal transactions, ACH transactions
  • Performed files to determine if the review and research were conducted in accordance with the quality standards and timeframes set by established procedures, bank policy and regulatory requirements
  • Ensures client data, business activity & narrative, products, alerts, documents, extension/exemption, and other case determinations are appropriate, fully supported, and clearly documented
  • Documents each review by completing a QA Checklist
  • Demonstrates a detailed understanding of the various systems used for performing and documenting the investigations
  • Communicates concerns with the Onboarding and/or QC team and the Team Lead.

KYC/AML Analyst-Contracted through Robert Half

DISCOVER FINANCIAL SERVICES
04.2015 - 05.2016
  • Conducted thorough enhanced due diligence (EDD) reviews of consumer and business banking customers for business lines identified as higher risk
  • Identified customer due diligence (CDD) and EDD deficiencies associated with account opening practices, with business line partners for awareness and remediation
  • Performed detailed research on suspicious activity and drafted Suspicious Activity Reports when deemed necessary and submitted to AML Investigations for further action
  • Maintained and periodically revised BSA procedures to ensure current and included any regulatory changes or recommendations for enhancements by internal audit or examiners
  • Conducted preliminary case investigation and draft case recommendations
  • Completed the initial customer risk rating process consistent with the Bank’s established processes
  • Ensured all on boarding documentation was collected
  • Completed KYC reviews in a timely manner and in accordance with a risk-based schedule.

AML INVESTIGATOR

WELLS FARGO
04.2012 - 04.2015
  • Provided initial formal assessment of potential money laundering and terrorist financing activity based on erg system and manually sourced alerts
  • Reviewed and analyzed underlying data gathered to assess reasonable cause to advance an alert to investigate
  • Dispositioned and fully documented all alerts, including supporting data, analysis and rational within case management system
  • Executed investigations based on: Client On-boarding and Maintenance and Transaction monitoring referrals
  • Collected and documented; data, alerts, investigations, SAR/CTR history, information required to assist investigations
  • Escalated significant AML/Sanctions issues/activities to senior management.

Education

High School Diploma -

South Oak Cliff High School
Dallas, TX
05.1981

Skills

  • Proficient with Microsoft Word, Excel, Outlook, and Access
  • SAR’S Financial Action Task Force
  • (OCC) Office of The Comptroller of The Currency
  • Transaction Analysis
  • Alert Monitoring (RED Flags)
  • (PEP) Politically Exposed Person
  • Remediation
  • (EDD) Enhanced Due Diligence
  • Forensic data research
  • (CIP) Customer Identity Pro
  • CTR’S Currency Transaction Report
  • (CDD) Customer Due Diligence
  • (KYC) Know Your Customer
  • Risk Analysis/Management
  • Lexis Nexis
  • (BSA) Bank Secrecy Act
  • Verafin
  • MOC system
  • Fraud Detection
  • Sanctions Screening
  • Prevention
  • (OFAC) Office of Foreign asset control

References

References available upon request.

Timeline

SR QA Analyst

USB
11.2022 - 05.2024

Senior QC Analyst

WELLS FARGO
04.2021 - 11.2022

Senior QA AML

TRUIST BANK
04.2019 - 04.2021

AML Analysts

CAPITAL ONE
04.2017 - 04.2019

QC/Transactions Analysts

HSBC
05.2016 - 04.2017

KYC/AML Analyst-Contracted through Robert Half

DISCOVER FINANCIAL SERVICES
04.2015 - 05.2016

AML INVESTIGATOR

WELLS FARGO
04.2012 - 04.2015

High School Diploma -

South Oak Cliff High School

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