CRYSTAL ARTIS
Charlotte,NC
Summary
Detailed oriented with extensive experience in financial risk analysis, compliance review and operational due diligence within the banking sector. Skilled in evaluating complex transactions, mitigating regulatory risk and ensuring adherence to internal polices and external regulations. Adept at collaboration with cross-functional teams to deliver accurate, timely assessments that support strategic decision making.
Overview
21
21
years of professional experience
Work History
Due Diligence Consultant
Wells Fargo Bank
Charlotte, NC
12.2024 - Current
- Conduct comprehensive due diligence reviews, complete client KYC onboarding process, and engage with relationship teams and third parties to mitigate financial risk.
- Analyze ownership structures and operational practices to identify potential risks.
- Gather and input data utilizing multiple internal systems and external third-party resources to identity documentation required to meet policy or regulatory requirements.
- Operate independently and effectively to manage work requests.
- Engage with clients directly or indirectly through relationship managers to support meeting policy/regulatory requirements in a manner consistent with the company values and focus on client satisfaction.
- Examine and review formation documentation including LLSs, Trusts, and Beneficial Ownership.
- Financial Crimes Operations/Commercial Banking – Client Onboarding
Due Diligence Consultant
Wells Fargo Bank
Charlotte, NC
02.2024 - 12.2024
- Served as Multiple Entity Deal (MED) Lead, assisting with the client onboarding process to mitigate risk through a due diligence process for the line of business and clients with five or more legal entity customers from the same customer relationship are onboarded consecutively.
- Consulted with and provided support to the internal line of business, client, and due diligence consultants assigned to the multiple entity deals to prove consistency in the customer outreach and onboarding due diligence process.
- Exercised independent judgment to guide medium risk deliverables while managing several multiple entity deal projects simultaneously.
- Collaborated with peers, managers, internal and external customers to resolve issues, achieve goals and meet required deadlines.
- Financial Crimes Operations/Commercial Banking – Multiple Entity Deal
Due Diligence Consultant
Wells Fargo Bank
Charlotte, NC
07.2021 - 02.2024
- Responsible for reviewing and resolving all findings routed from the quality control team for the Certification of Beneficial Owners of Legal Entity Customer form and the Beneficial Ownership Exclusion.
- Reviewed and resolved cases independently, escalating only unresolvable or complex cases to the line of business or internal review groups for resolution.
- Successfully addressed findings within three business days.
- Financial Crimes Operations – Beneficial Ownership Quality Control Team
Due Diligence Associate
Wells Fargo Bank
Charlotte, NC
06.2019 - 07.2021
- Successfully utilized the due diligence process to mitigate risk in the client KYC onboarding process.
- Managed data utilizing multiple internal systems and external third-party resources to identity documentation required to meet policy or regulatory requirements.
- Financial Crimes Operations/Commercial Banking – Client Onboarding
Financial Crimes Consultant II
Wells Fargo Bank
Charlotte, NC
03.2018 - 06.2019
- Supported Wholesale Business Banking BSA/AML risk with Wholesale Customer Due Diligence and Enhanced Due Diligence for negative news and adverse news alerts on prospective and current customers, which includes screenings from news articles, Politically Exposed Persons (PEP) and OFAC/Sanctions list.
- Reviewed and researched negative news alerts for prospective and current Wholesale Banking Group customers and related parties to gain insight into potential negative news.
- Reviewed and researched adverse news alerts for current Wholesale Business Banking Group customers.
- Analyze and mitigate to determine if the alert is detrimental to the customer relationship.
- Created dispositions for alerts received and made recommendations for customer risk level in determination of true hits or false positive confirmation.
- Escalated alerts timely and effectively when necessary.
- Knowledge of Cornerstone, Wholesale Customer Information System (WCIS) and external risk software programs.
- Wholesale Financial Crimes Business Risk & Controls
Financial Crimes Analyst / Work Director
Wells Fargo Bank
11.2011 - 03.2018
- Served as Work Director for 19 team members and telecommutes (Financial Crimes Specialist 2, 3 and 4); responsible for queue distribution management and daily workflow to ensure proactive customer identification and due diligence, prevention execution, detection and recovery.
- Completed analyses on suspected reports or alerts of fraud and escalations on various suspicious events or Bank products.
- Took appropriate actions to prevent and/or minimize risk/losses against the Bank and its’ customers.
- Identified projects, gathered and documented project requirements, coordinated activities and resources, delivered training, documented new or revised processes, and communicated project information and updates to management and team members.
- Provided guidance to staff for customer due diligence, Elder Abuse and Unusual Activity Referrals as required when activity warrants investigation to determine the most appropriate action to apply to prevent or minimize losses, while meeting all internal and external compliance of US Patriot Act and Regulation CC regulatory requirements.
- Maintained records, interpreted data, identified trends and recommended procedural changes for the department.
- Produced reports for monthly quality assurance and performance scorecards.
- Reviewed Early Warning Shared Fraud in support of internal and external department compliance requirements.
- New Account Fraud Prevention & Small Business Loss Mitigation
Financial Crimes Specialist 2
Wells Fargo Bank
10.2006 - 11.2011
- Reviewed, verified and identified customer transactions for Customer Identification Program (CIP) and Customer Due Diligence (CDD) to detect or prevent fraud/financial crimes activities, policy violations and suspicious situations in order to mitigate risk and/or recover losses.
- Monitored moderate to complex account activity requiring research that involved multiple transaction channels.
- Assisted with integration/implementation of team members with Wells Fargo systems during corporate merger.
Overdraft Recovery Analyst
Wells Fargo Bank
07.2006 - 10.2006
- Reviewed 14-day and 21-day overdraft reports for personal and commercial accounts.
- Contacted customers to inform them of account overdraft status.
Commercial Claims Investigator
Wells Fargo Bank
08.2005 - 07.2006
- Investigated commercial cases of moderate to high risk to determine potential loss and/or recoverability and apply the appropriate techniques to avoid or prevent losses.
- Reviewed ATM/debit card deposits and transactions made to accounts due to newly issued ATM/debit cards.
- Verified deposits and reviewed for account takeovers and/or unauthorized usage.
Education
Bachelor of Science - Marketing and Management
Virginia State University
Petersburg, VASkills
- Financial Risk Management
- Regulatory Compliance
- Client Onboarding
- Operational Due Diligence
- Transaction Monitoring & Analysis
- Policy & Procedure Review
- Data Integrity & Reporting
- Microsoft Word
- Microsoft Excel
Work Preference
Work Type
Full TimeLocation Preference
On-SiteHybridRemoteTimeline
Due Diligence Consultant
Wells Fargo Bank
12.2024 - Current
Due Diligence Consultant
Wells Fargo Bank
02.2024 - 12.2024
Due Diligence Consultant
Wells Fargo Bank
07.2021 - 02.2024
Due Diligence Associate
Wells Fargo Bank
06.2019 - 07.2021
Financial Crimes Consultant II
Wells Fargo Bank
03.2018 - 06.2019
Financial Crimes Analyst / Work Director
Wells Fargo Bank
11.2011 - 03.2018
Financial Crimes Specialist 2
Wells Fargo Bank
10.2006 - 11.2011
Overdraft Recovery Analyst
Wells Fargo Bank
07.2006 - 10.2006
Commercial Claims Investigator
Wells Fargo Bank
08.2005 - 07.2006
Bachelor of Science - Marketing and Management
Virginia State University