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COREY MORALES

San Antonio,USA

Work Preference

Job Search Status

Open to work
Desired start date: Immediately

Desired Job Title

AML INVESTIGATOR (ANTI-MONEY LAUNDERING INVESTIGATOR)EDD ANALYSTDATA ANALYSTKYC Analyst

Work Type

Contract WorkFull TimeConsultingGig Work

Location Preference

RemoteHybrid
Location: San Antonio, USA
Open to relocation: No

Important To Me

Work-life balanceCompany Culture

Summary

AML Investigator/KYC Analyst with 10+ years of progressive BSA/AML and KYC experience conducting transaction monitoring, EDD/CDD reviews, and SAR determinations for high-risk and complex accounts. Skilled in Enhanced Due Diligence, CIP/SOW/SOF verification, sanctions and negative-news screening, and drafting concise SAR narratives; designs checklists and monitoring heuristics that accelerate triage, improve investigative accuracy, and support audit readiness. Collaborates with stakeholders to reconcile conflicting client information, mentors analysts to elevate team consistency, and pursues continuous control enhancements to reduce regulatory exposure while advancing detection capabilities.

Seasoned financial examiner with deep experience in regulatory compliance and risk management. Skilled in conducting thorough reviews of financial institutions to ensure adherence to laws and regulations, identifying potential risks, and implementing corrective actions. Demonstrated ability to improve operational efficiency and enhance financial stability through effective examination strategies. Committed to fostering transparency and accountability within financial operations.

Overview

10
10
years of professional experience

Work History

AML INVESTIGATOR (ANTI-MONEY LAUNDERING INVESTIGATOR)

Veterans Sourcing
San Antonio, USA
10.2025 - 02.2026
  • Prepared detailed reports outlining investigation findings and recommendations.
  • Utilized advanced software tools for transaction monitoring and analysis.
  • Collaborated with other departments to ensure compliance with applicable laws and regulations.
  • Identified areas where additional controls could be implemented to strengthen existing AML programs.
  • Investigated suspicious banking activities using multiple sources of information such as public records, credit databases.
  • Participated in periodic training sessions on anti-money laundering laws and regulations.
  • Evaluated customer profiles against established criteria to determine risk ratings based on customer type or geographic location.
  • Analyzed alerts generated by transaction monitoring systems, performed research, identified discrepancies, and escalated cases as needed.
  • Monitored financial transactions for unusual or suspicious patterns indicative of money laundering activities.
  • Ensured that all relevant documents were collected and maintained throughout the duration of a case investigation.
  • Drafted Suspicious Activity Reports when necessary according to applicable rules and regulations.
  • Prepared detailed documentation of all investigative activities conducted during an examination period.
  • Liaised with leadership to discuss customer activities and trends that implicated potential money laundering or terrorist financing.
  • Prepared reports, exhibits and other supporting schedules to detail institution's safety and soundness and compliance with laws and regulations.
  • Analyzed client profiles to identify risk factors and compliance issues.
  • Reviewed and maintained detailed reports on potential money laundering activities.
  • Prepared comprehensive documentation for regulatory audits and compliance reviews.
  • Analyzed customer records, transaction histories, account statements, and other documents to detect any signs of suspicious activity.

EDD ANALYST

TEKsystems
San Antonio, TX
09.2023 - 08.2025
  • Reviewed customer profiles and transaction alerts to identify suspicious activity and recommended investigatory actions with documented rationale, improving case clarity and audit readiness.
  • Built comprehensive customer profiles from internal systems and external research to establish behavioral baselines for investigations.
  • Reviewed alerts for patterns, high-risk geographies, structuring, large cash movements, branch referrals, and fraud escalations to prioritize high-risk cases.
  • Compiled KYC, EDD, CDD, and transaction data into case files to support alert filing or clearing and maintain audit-ready records.
  • Prepared SAR narratives documenting total funds and identified suspicious activities for regulator submission with clear evidence linkage.
  • Summarized suspicious activity and subject or victim involvement in coherent narratives for final SAR filings to ensure defensible reporting.
  • Designed targeted transaction-monitoring heuristics to prioritize high-risk cases and increase investigative throughput with measurable efficiency gains.
  • Conducted link analysis on counterparties using public records and databases to identify hidden relationships supporting escalations.
  • Coordinated cross-functional evidence collection with operations and fraud teams to expedite case closures and reduce resolution time.
  • Documented case narratives and evidence chains to support regulatory reporting and maintain audit-ready records for compliance reviews.
  • Performed risk-based enhanced due diligence reviews for individual, trust, and entity accounts, improving case accuracy and compliance outcomes.
  • Reviewed CIP, SOW, and SOF documentation and verified client details against internal and external sources to ensure file completeness.
  • Drafted detailed narratives for EDD forms aligned with regulatory requirements to strengthen audit readiness.
  • Escalated negative news and suspicious activity to compliance management to reduce regulatory exposure and accelerate investigations.
  • Collaborated with loan team on client loan EDD analysis to resolve loan-related risk issues and maintain onboarding timelines.
  • Maintained accurate records of all data collected during analysis processes.
  • Utilized document management system to organize company files, keeping up-to-date and easily accessible data.
  • Oversaw quality control to identify inconsistencies and malfunctions.

PERIODIC REVIEW ANALYST

PwC
San Antonio, TX
02.2023 - 06.2023
  • Collaborated with cross-functional teams to enhance review processes and standards.
  • Maintained documentation of review activities and outcomes for audit purposes.
  • Performed quality assurance checks on all reviews received before finalizing data collection.
  • Collaborated with other departments to ensure accuracy of reviews collected.
  • Compiled detailed reports summarizing the results of review analysis.
  • Participated in brainstorming sessions with team members to suggest new ideas for improving product and service offerings based on customer feedback.
  • Monitored and maintained compliance with internal controls and government regulations.
  • Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
  • Requested financial documents from customers.

DATA ANALYST

Select Staffing
San Antonio, Texas
05.2022 - 01.2023
  • Conducted data quality checks to ensure accuracy and reliability of information.
  • Analyzed large datasets to identify trends, patterns and correlations for business insights.
  • Provided data-driven solutions to support decision making.
  • Utilized advanced analytics tools such as SAS, SPSS, Excel PowerPivot, to manipulate large volumes of structured and unstructured data sets.
  • Collected, tracked and reviewed data to evaluate business and market trends.
  • Collaborated with cross-functional teams to prioritize business and information needs.

PERIODIC REVIEW ANALYST

Exiger
San Antonio, Texas
10.2021 - 03.2022
  • Collaborated with cross-functional teams to enhance review processes and standards.
  • Requested financial documents from customers.
  • Compiled detailed reports summarizing the results of review analysis.
  • Performed quality assurance checks on all reviews received before finalizing data collection.

COMPLIANCE AML/KYC ASSOCIATE ANALYST 2

Citi Bank
San Antonio, TX
07.2016 - 11.2021
  • Mentored and trained new analysts and conducted pre-work reviews to speed branch submissions and improve team consistency.
  • Designed targeted review checklists that accelerated case triage and produced more consistent outcomes and faster escalations.
  • Partnered with relationship managers to reconcile contradictory client information, resolving discrepancies and preserving onboarding schedules.
  • Conducted source verification of documentation using internal systems and public records to ensure regulatory completeness of case files.
  • Conducted periodic account reviews to verify CIP/SOW/SOF records, improving data accuracy and regulatory compliance.
  • Requested and validated supplementary documentation to confirm ownership and account changes, reducing unresolved cases and processing delays.
  • Designed a standardized checklist for CIP/SOW/SOF validations to increase consistency and decrease rework.
  • Collaborated with onboarding and client services to clarify documentation requirements, accelerating account update timelines.
  • Reconciled client records against source documents to ensure accurate account profiles and maintain compliance.
  • Trained colleagues on documentation standards and review techniques to increase team accuracy and reduce follow-up requests.
  • Analyzed documentation gaps to prioritize verifications and enable faster resolution of high-risk records with clear audit trails.
  • Implemented a risk-based sampling approach for periodic reviews to focus resources on complex accounts and improve review effectiveness.
  • Validated and corrected shipment records to ensure invoice accuracy and reduce billing discrepancies.
  • Standardized reporting formats with operations and finance to improve cross-functional decision-making efficiency.
  • Audited transactional datasets and applied corrective transformations to enforce internal data compliance.
  • Completed periodic reviews for agricultural clients, ensuring CIP and entity documents matched regulatory requirements and audit standards.
  • Screened clients for adverse media and sanctions exposure and produced concise client summaries to inform risk decisions.
  • Introduced risk-based prioritization for reviews to concentrate resources on higher-risk entities, improving monitoring coverage.
  • Reviewed complex corporate records and KYC files to reconcile discrepancies, supporting regulatory compliance and audit readiness.
  • Conducted enhanced due diligence on ownership structures and documentation to increase accuracy of review conclusions and reduce follow-ups.
  • Led KYC onboarding and periodic reviews for small business and high-risk accounts, improving case throughput and accuracy.
  • Resolved adverse media and AML alerts using LexisNexis, OFAC, and internal tools to reduce false positives and accelerate clearances.
  • Provided SME and training support for new hires while managing backlog accounts to maintain quality control standards.
  • Created and maintained workflow reports tracking case status and escalation points to clarify bottlenecks and improve response times.
  • Coordinated cross-team case handoffs with operations and legal to speed remediation timelines and strengthen audit trails.
  • Audited case documentation and evidence chains to ensure policy compliance and readiness for regulatory inquiries.
  • Mentored junior analysts on investigative techniques and documentation standards to increase team consistency during peak reviews.
  • Resolved customer complaints by providing effective solutions and support.
  • Collaborated with team members to improve service delivery standards.
  • Maintained up-to-date knowledge of banking regulations and compliance policies.
  • Trained new staff on customer service protocols and operational procedures.

Education

B.S. - MULTIMEDIA & COMMUNICATIONS

University of Phoenix-Texas
San Antonio, TX

A.A.S. - APPLIED SCIENCE

ITT Technical Institute
San Antonio, TX

Skills

  • Enhanced Due Diligence
  • KYC Onboarding
  • BSA/AML Compliance
  • Risk Mitigation
  • CIP
  • Source of Wealth
  • Source of Funds Verification
  • OFAC
  • Sanctions Screening
  • Negative News Analysis
  • Risk-Based Account Review
  • Tiered Risk Assessment
  • Workflow Coordination
  • Quality Control
  • Process Improvement
  • Reporting
  • Data Analysis
  • Training
  • Mentoring
  • Customer Due Diligence
  • SAR narratives writing
  • Transaction Monitoring
  • CAR review
  • SAR findings
  • Fraud escalation review
  • SAR Filings
  • Case Management
  • Investigative Research
  • Evidence Collection
  • Regulatory Reporting
  • Client Verification
  • Narrative Development
  • Risk Assessment
  • Fraud Prevention
  • Cross-Functional Collaboration
  • Risk Analysis
  • Documentation Standards
  • Risk-based monitoring
  • SAR preparation
  • Sanctions screening
  • Financial crime compliance
  • AML investigations

Timeline

AML INVESTIGATOR (ANTI-MONEY LAUNDERING INVESTIGATOR)

Veterans Sourcing
10.2025 - 02.2026

EDD ANALYST

TEKsystems
09.2023 - 08.2025

PERIODIC REVIEW ANALYST

PwC
02.2023 - 06.2023

DATA ANALYST

Select Staffing
05.2022 - 01.2023

PERIODIC REVIEW ANALYST

Exiger
10.2021 - 03.2022

COMPLIANCE AML/KYC ASSOCIATE ANALYST 2

Citi Bank
07.2016 - 11.2021

B.S. - MULTIMEDIA & COMMUNICATIONS

University of Phoenix-Texas

A.A.S. - APPLIED SCIENCE

ITT Technical Institute

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