CHERYL E. KINZLY
Lockport,NY
Summary
Dedicated Compliance professional with a history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
18
18
years of professional experience
Work History
AVP Senior Compliance Sanctions Analyst -OFAC Compliance
Citi
11.2022 - Current
- Unit
- Serve as a senior compliance analyst for Independent Compliance Risk Management responsible for establishing internal strategies, policies, procedures and processes related to monitoring and fostering awareness of sanctions regulatory requirements
- Analyzing comparative data, preparing and presenting regional and global reports related to sanctions assessments, and monitoring of sanctions related issues and escalations with senior management
- Partnering with functional partners and key stakeholders -regionally and globally, as applicable, to ensure potential risks are identified during due diligence, are appropriately vetted and addressed and escalating to the Chief Sanctions Officer, front line units, GIU, CSIS, Legal , or as appropriate
- Monitoring adherence to Citi's Global Sanctions Policy and relevant procedures; staying current on key Sanctions regulatory changes, key enforcement actions and related industry trends.
Compliance Surveillance Analyst-Officer
Citi
03.2017 - 11.2022
- Performed invasive research as part of the Second Line of Defense, protecting the financial institution from potential risks posed by high, low and moderate risk clients
- Identified and investigated high risk financial services activity for internal review boards and fraud detection enhancement
- Conducted multimedia intensive reviews of employee communications including telephone, email, instant messaging and chat room activity
- Collaborated with internal lines of business to ensure the employees comply with proper regulations
- Provided integral security intelligence as well as corrective and preventative suggestions for potential internal employee misconduct.
Keyholder Manager
J. Crew
10.2016 - 01.2018
- Responsible for conducting media audits to safeguard against loss prevention and fraud
- Provided training and coaching to new and existing sales associates
- Conducted daily reporting on KPI’s and sales goals
- Informed staff on the daily goals regarding sales and credit cards.
AML Compliance Officer
HSBC
06.2016 - 08.2016
- Financial Crime Compliance
- Conducted high risk reviews on Global Banking and Market customers to properly identity risk concerns including money laundering, political exposure, bribery and corruption, legal and compliance issues
- Performed negative news screenings on customers for any issues that may have surfaced relating to regulatory fines/actions, money laundering issues, negative findings from recent audits which could warrant an increase in the financial crime risk rating
- Opining on the customer’s financial crime risk level or special category client classification after thoroughly researching and ascertaining the inherent risk to HSBC
- Compiled high risk indicators from research and analyzed the information into comprehensive reports.
BSA Compliance Analyst II, Bank Officer
M&T Bank
05.2015 - 06.2016
- Corporate Compliance
- Assisted the BSA Compliance Specialist II in order to ensure adherence to State and Federal regulatory compliance with the
- Bank Secrecy Act, USA PATRIOT Act and OFAC
- Performed EDD reviews on high risk customers including transactional reviews
- Responsible for collecting and evaluating the information and preparing well-written comprehensive reports
- Analyzed and reported suspicious activity with respect to money laundering and terrorist financing to the FIU Department for further investigation
- Monitored customer activity in order to ensure that M&T is not doing business with persons involved in money laundering or terrorist financing or with prohibited persons or entities.
Due Diligence Analyst-Bank Officer
First Niagara Bank
09.2013 - 05.2015
- Financial Intelligence Unit (FIU) Corporate Compliance
- Served as a subject matter expert in transaction analysis
- Provided training/mentoring on investigative techniques, on internal FNFG account systems, suspicious activity reports (SAR) writing, and Bank Secrecy Act and Anti-Money Laundering laws
- Investigations involved research and communication with First Niagara Branches, Law Enforcement, government and regulatory agencies
- Liaised with all lines of business, to obtain missing documentation, enhanced due diligence questionnaires, explanation of anomalous behavior and questionable activity referrals from FNFG employees based on suspicious activity conducted by customers
- Prepared Suspicious Activity Reports (SAR) upon the evaluation of illicit account activity; AML/BSA concerns, potential terrorist financing
- Completed Customer Due Diligence Alerts for new and existing customers to safeguard FNFG from monetary and reputational risks from potential AML and BSA concerns.
First Niagara Bank, N.A
07.2012 - 08.2013
- Anti-Money Laundering/Bank Secrecy Act Specialist
- Financial Intelligence Unit (FIU) Corporate Compliance
- Excellent knowledge of AML/BSA Regulations
- Accessed and utilized all available systems to locate information needed to complete a thorough analysis of FinCEN Daily
- Cash Activity Reports
- Identified reportable transactions and filed required reports such as Currency Transaction Reports, Negotiable Instrument
- Logs and Questionable Activity Reports
- Provided guidance to branch personnel on how to properly complete required Bank Secrecy Act and KYC forms
- Researched and resolved AML/BSA compliance issues with minimum direction from the AML/BSA and OFAC Coordinator
Documents Processer II
First Niagara Bank, N.A
06.2010 - 07.2012
- Account Restraint and Seizures
- Examined legal documents for sufficiency and jurisdiction
- Placed required legal holds/restraints on customer accounts
- Researched and gathered information in response to information subpoenas
- Received and processed a high level of legal documents from attorneys, court personnel and the IRS
- Communicated with law firms, customers and government agencies to resolve issues related to the legal process
- Mitigated risk and ensured compliance with various court orders
Implementation Specialist Assistant/Customer Service Representative
P&A Administrative Services, Inc
10.2009 - 06.2010
- Provided a high level of administrative support to Implementation Specialists and various Administrators
- Performed clerical duties such as reconciling payrolls, processing payments and claims under time restrictions
- Ensured legal documents were processed and handled in a timely and efficient manner in order to comply with appropriate regulations set forth by the IRS
Intern
Lockport Police Department
01.2006 - 05.2006
- Worked along-side law enforcement officers on a weekly basis, completing a total of 90 volunteer hours
- Gained ability to identify key issues within a criminal case
- Eyewitness in various cases involving criminal acts
Education
Master of Science - Economic Crime And Compliance Management
Utica College
Utica, NY05.2013
Bachelor of Science - Criminal Justice
Medialle College
Buffalo, NY12.2007
Skills
- Actimize
- Hogan
- World-Check/Lexis Nexis/Clear
- Microsoft Office
- Adobe Acrobat
- Bankers Toolbox
- CTA
- Sanctions Risk Management
Timeline
AVP Senior Compliance Sanctions Analyst -OFAC Compliance
Citi
11.2022 - Current
Compliance Surveillance Analyst-Officer
Citi
03.2017 - 11.2022
Keyholder Manager
J. Crew
10.2016 - 01.2018
AML Compliance Officer
HSBC
06.2016 - 08.2016
BSA Compliance Analyst II, Bank Officer
M&T Bank
05.2015 - 06.2016
Due Diligence Analyst-Bank Officer
First Niagara Bank
09.2013 - 05.2015
First Niagara Bank, N.A
07.2012 - 08.2013
Documents Processer II
First Niagara Bank, N.A
06.2010 - 07.2012
Implementation Specialist Assistant/Customer Service Representative
P&A Administrative Services, Inc
10.2009 - 06.2010
Intern
Lockport Police Department
01.2006 - 05.2006
Master of Science - Economic Crime And Compliance Management
Utica College
Bachelor of Science - Criminal Justice
Medialle College
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