Claudia Y. Ayala
Bakersfield,USA
Summary
Dynamic individual with hands-on experience in Anti-Money Laundering and Payroll. Brings strong analytical skills and proactive approach to new tasks. Known for adaptability and results-oriented mindset. Committed to making meaningful contributions to the team.
Overview
17
17
years of professional experience
Work History
AML/CFT Analyst
Mission Bank
07.2022 - Current
- Review and filed currency transaction reports submitted by branches within required regulatory-imposed timeframes.
- Review, audit, and certify OFAC reports and messages
- Monitor MSB customer accounts for documentation; review and analyze account activity
- Conducted comprehensive investigations such as Alerts and Enhance Due Diligence Review to spot evidence of misconduct or neglect.
- Investigate and document suspicious activity including the timely filing and reporting of a SAR on suspicious activity
- Conducts follow-up reviews of activity previously reported via SAR. Conducts research as required, documents detailed results and findings in a written format, and prepares a follow-up SAR if necessary.
- Performed review of alerts from AML monitoring system relative to BSA/AML, OFAC and Customer Due Diligence (CDD)/Enhanced Due Diligence (EDD).
- Responsible for assigned group of High Risk Customers in order to perform ongoing Enhanced Due Diligence (EDD).
- Assist BSA Officer with any BSA issues as deemed necessary
Central Operations Representative II
Mission Bank
03.2022 - 07.2022
- Responsible for the process of incoming returned items, NSF, ACH and non-post exception items and ensuring all essential function are completed by the appropriate deadlines
- Maintenance of general ledger reconciliation, Stop Payment Report, Stop Suspect Report, Death Notifications, ACH corrections and returns
- Approve foreign and domestic wires
- Sort and distribute mail and maintain returned mail
- Provide and assist operational support to 7 branches
BSA Analyst II - SAR Team
CTBC Bank Corp. (USA)
02.2020 - 12.2021
- Complete comprehensive investigations of customer and transaction activities concluding with SAR filing recommendations
- Ensure completed SARs are submitted to a reviewer for timely submission to FinCEN
- Prepare, review and analyze High-Risk Transactions and customers for enhanced due diligence and report suspicious transactions as required by the BSA/AML Laws
- Perform due diligence procedures for high- risk accounts determined by BSA Officer and/or Operations Manager
- Responsible for Monthly Monetary Instrument Report audit and review source of funding
- Assist BSA Operations Manager and/or BSA Officer with any BSA issues as deemed necessary
BSA Analyst – Financial Intelligence Unit
State Bank of India (California)
11.2016 - 02.2020
- Performs Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) on current, new and/or potential customer that present a higher risk to the bank (politically Exposed Personal, Nongovernmental organizations, Foreign Businesses, Trade Finance, Non-Resident Aliens).
- Responsible for Daily Cash Report audit and review branch completed Currency Transaction Forms to ensure accuracy.
- Responsible for filing Currency Transaction Reports to the Financial Crimes Enforcement Network according to regulatory timeframes
- Complete comprehensive investigations of customer and transaction activities concluding with SAR filing recommendations.
- Responsible for reviewing daily OFAC alerts and independently clearing false hits and escalating possible OFAC matches. Ensure compliance with OFAC laws.
- Review reports to detect Suspicious Activity and relays relevant information to the BSA Officer or designee.
- Recommend enhancements to the department and company processes for monitoring activities, policy and procedure updates.
Operations Specialist
State Bank of India (California)
07.2015 - 10.2016
- Responsible for the process of Banking Wires & Remittances and Reconciliation
- Responsible for the process of returned items, NSF, ACH and Non-post exception items.
- Processing of legal Levies and Subpoenas.
- Maintained returned mail and change of address request.
- Frontline for client online banking services and customer inquiries.
- Assist and guide the other Operations staff members as needed.
HR Specialist
State Bank of India (California)
03.2014 - 06.2015
- Provide frontline support for staff questions related to benefits or personal HR data.
- Responsible for processing semi-monthly payroll through ADP.
- Responsible for new hire orientation & onboarding.
- Gathered documentation for VISA processing for expats and renewals.
- Ensure new hire and separation paperwork are completed in a timely manner.
- Establish, organize, and supervise maintenance of department records; ensure accuracy and confidentiality.
- Administer medical, life, vision, dental, expat benefits, FSA, AFLAC, COBRA, Workers Compensation, and 401(k) benefits: processing enrollments/terminations, coverage changes, and personal information changes; support annual open enrollments; verify billing; auditing insurances coverage for all lines of coverage and all employees.
- Assist HR Manager with event planning, recruitment for branches and other HR duties as requested.
Operations Specialist
State Bank of India (California)
01.2012 - 02.2014
- Responsible for the process of Banking Wires & Remittances and Reconciliation
- Responsible for the process of returned items, NSF, ACH and Non-post exception items.
- Processing of legal Levies and Subpoenas.
- Maintained returned mail and change of address request.
- Frontline for client online banking services and customer inquiries.
- Assist and guide the other Operations staff members as needed.
Teller/Operations Specialist
Kern Federal Credit Union
09.2008 - 12.2011
- Process customer deposits, withdrawals, cash advances, stop payments etc.
- Recommend bank services that would be beneficial to the customers’
- Answers phones and performs account research
- Promotes and maintains positive relations with all contacts, customers and potential customers.
- Respond to internal/external complaints, questions, and problem solving.
- Mail courier between two branch offices.
Education
Bakersfield College
01.2011
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West High School
Bakersfield, CA01.2005
Skills
- Knowledgeable in bank systems: Abrigo BAM, FIS-Prime, FISERV Navigator, Image Centre, NetImage, LexisNexis, Verafin, Jack Henry
- Dependable
- Organized, detail-oriented,
- Ability to work in fast environment under deadline
- Adaptable to change
- Analytical thinking
- Time management
- Decision-making
- Research and analysis
- KPI analysis
Languages
Spanish
Native or Bilingual
Timeline
AML/CFT Analyst
Mission Bank
07.2022 - Current
Central Operations Representative II
Mission Bank
03.2022 - 07.2022
BSA Analyst II - SAR Team
CTBC Bank Corp. (USA)
02.2020 - 12.2021
BSA Analyst – Financial Intelligence Unit
State Bank of India (California)
11.2016 - 02.2020
Operations Specialist
State Bank of India (California)
07.2015 - 10.2016
HR Specialist
State Bank of India (California)
03.2014 - 06.2015
Operations Specialist
State Bank of India (California)
01.2012 - 02.2014
Teller/Operations Specialist
Kern Federal Credit Union
09.2008 - 12.2011
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West High School
Bakersfield College