Christina L. Klob
Kissimmee,Florida
Summary
Dynamic Analyst and Investigator with over 27 years of extensive experience in risk analysis and mitigation within the financial sector. Proven expertise as a Compliance and KYC Analyst, specializing in evaluating regulatory frameworks and enhancing compliance protocols, particularly in the last nine years. Skilled in conducting comprehensive risk assessments, identifying vulnerabilities, and formulating strategic mitigation plans that drive organizational success. Committed to fostering a robust culture of compliance while ensuring resilience through effective communication and collaboration across teams.
Overview
26
26
years of professional experience
Work History
Compliance & KYC Analyst, VP
Citibank
08.2016 - 07.2025
- Evaluated and monitored compliance programs, identifying gaps and recommending necessary enhancements.
- Performed data analysis on risk and compliance metrics, delivering reports and visual presentations to management.
- Launched a new compliance dashboard utilizing Access, enhancing real-time tracking and reporting which improved FinCEN reviews by 25%.
- Worked alongside legal, KYC QA, and IT teams to resolve compliance issues and facilitate audits.
- Fostered a culture of risk awareness through effective communication and comprehensive training initiatives.
- Collaborated with senior management to streamline reporting processes, which improved the accuracy and timeliness of compliance reports by 30%.
- Reviewed and analyzed 15-20 KYC/CDD relationship assessments with over 500 high-risk profiles during onboarding and periodic evaluations.
- Resolved escalations and addressed KYC-related issues promptly, ensuring compliance with company policies.
- Utilized AML software to reduce investigation time by 20% while maintaining thoroughness.
- Mentored 15-20 analysts on AML procedures and KYC processes, increasing team efficiency and workflow consistency by 15%.
- Developed internal guidelines for KYC procedures, facilitating training for new employees and boosting productivity.
Senior Operations Research Analyst
Citi
07.2010 - 08.2016
- Enhanced data accuracy by meticulously validating and updating customer information in database.
- Escalated all data quality issues within the cases for timely resolution.
- Mentored 10 junior analysts, fostering a culture of continuous learning and development.
AML Analyst
First Commercial Bank of Florida
06.2007 - 07.2010
- Investigated over 75 high-risk cases, achieving a 97.8% accuracy rate.
- Conducted KYC due diligence for approximately 125 new client onboarding's, ensuring BSA/AML compliance.
- Prepared and filed more than 10 Suspicious Activity Reports (SARs) with zero rejections in 18 months.
- Contributed to quarterly risk assessment updates, enhancing due diligence procedures for high-risk jurisdictions.
BSA/AML Analyst
RG Crown Bank
01.2007 - 07.2007
- Reviewed over 30 daily transaction alerts to detect potential money laundering and terrorist financing activities.
- Conducted KYC due diligence for approximately 50 new client onboarding cases, ensuring BSA/AML compliance.
- Prepared and filed 7 to 10 Suspicious Activity Reports monthly, detailing findings and recommendations.
- Provided insights during team meetings on emerging financial crime trends and regional risk factors.
Fraud Analyst
SunTrust
12.2000 - 08.2006
- Investigated over 1,200 fraud cases involving individual and business checks, reducing potential losses by 55%.
- Closed 150 compromised accounts after verifying transactions with accountholders to mitigate fraud risk.
- Prevented $2.5 million in potential fraudulent activities through diligent transaction monitoring and analysis.
Fraud Investigator (Credit Card)
SunTrust
02.1999 - 11.2000
- Reviewed over 300 fraud cases, achieving a 25% reduction in potential losses.
- Assisted in recovering $550K from fraudulent transactions while ensuring REG E compliance.
- Contacted cardholders to verify transactions and closed 50 compromised accounts promptly.
- Processed affidavit claims, collecting necessary documentation to ensure accurate compliance.
- Established partnerships with local law enforcement for enhanced cooperation on fraud investigations.
Education
Associates of Science - Computer Networking
Florida Metropolitan University
Orlando, Florida08.2008
Bachelor of Science - Computer Information Science
Florida Metropolitan University
Orlando, Florida10.2007
Skills
- Attention to detail
- Risk Assessment
- Effective communication
- Regulatory Compliance
- Independent time management
- Audit & Risk Management
- Problem-solving skills
- SQL Queries
Timeline
Compliance & KYC Analyst, VP
Citibank
08.2016 - 07.2025
Senior Operations Research Analyst
Citi
07.2010 - 08.2016
AML Analyst
First Commercial Bank of Florida
06.2007 - 07.2010
BSA/AML Analyst
RG Crown Bank
01.2007 - 07.2007
Fraud Analyst
SunTrust
12.2000 - 08.2006
Fraud Investigator (Credit Card)
SunTrust
02.1999 - 11.2000
Associates of Science - Computer Networking
Florida Metropolitan University
Bachelor of Science - Computer Information Science
Florida Metropolitan University