Crystal Hart
Atlanta,US
Summary
Detail-oriented Risk Analyst with 8+ years of experience in financial services specializing in AML/BSA/CTF investigations, fraud detection, and risk management. Skilled in conducting due diligence, investigating alerts, and preparing Suspicious Activity Reports (SARs) in compliance with regulatory requirements. Adept at using advanced investigative tools to identify suspicious activity, mitigate risks, and ensure adherence to AML/BSA/CTF/OFAC policies. Strong communicator with proven ability to train and guide teams, partner with law enforcement, and operate in fast-paced, high-risk financial environments.
Overview
9
9
years of professional experience
Work History
Risk Analyst I
Intuit
Atlanta, US
10.2024 - 05.2025
- Conducted timely KYC/KYB investigations (Canada and U.S.) by analyzing customer information to ensure compliance with regulatory requirements.
- Performed 1099-K investigations to assess merchant activity and ensure adherence to reporting standards.
- Served as escalation point for complex Canada KYB/KYC cases, providing expertise and resolution guidance.
- Provided training to team members, enhancing process knowledge and case-handling efficiency.
- Collaborated cross-functionally with risk, compliance, and operations teams to resolve high-risk cases.
- Recommended and implemented process improvement to strengthen risk controls and operational efficiency.
- Completed policy reviews on merchant accounts to identify gaps, ensure compliance, and mitigate risk.
Credit Analyst I
Corvia
Remote
04.2023 - 05.2024
- Performed enhanced due diligence reviews on consumer and business accounts in high-risk industries.
- Conducted AML/CTF monitoring, analyzing financial statements and credit reports to assess risk exposure.
- Supported compliance with BSA/AML regulatory requirements through thorough transaction and behavioral monitoring.
- Documented investigation findings and escalated potential suspicious activity for further review.
Credit Analyst
FIS/Worldpay
Remote
04.2022 - 02.2023
- Investigated fraud and AML alerts across credit card and ACH channels.
- Drafted reports detailing findings and provided recommendations to mitigate risks.
- Assisted in SAR preparation by compiling transaction data and evidence for compliance review.
- Partnered with internal risk and compliance teams to ensure adherence to regulatory standards.
Underwriter
Paya, Inc.
Remote
08.2020 - 04.2022
- Conducted KYC/KYB reviews, validating documentation for merchants in high-risk verticals (Firearms, Vape/CBD, BHPH).
- Performed credit risk assessments and recommended approval/decline decisions based on AML/KYC findings.
- Ensured compliance with OFAC and BSA/AML requirements while onboarding merchants.
Account Manager
Vantage Card Services
Woodstock, US
06.2016 - 08.2020
- Managed client accounts with a focus on compliance and transaction monitoring.
- Assisted with onboarding and risk assessments for new merchants, ensuring adherence to AML/KYC standards.
- Escalated and resolved high-severity client issues related to fraud and compliance.
Education
Bachelor of Science - Mathematics
Kennesaw State University (KSU)
Kennesaw, GASkills
- AML/BSA/CTF Investigations
- SAR Writing
- Due Diligence
- KYC
- KYB
- EDD
- CDD
- Fraud Monitoring
- Transaction Monitoring
- Credit Card
- ACH
- High-Risk Verticals
- Suspicious Activity Detection
- Escalations
- Risk Assessment
- Compliance Controls
- Regulatory Knowledge
- FinCEN
- OFAC
- BSA/AML
- Investigative Tools
- Case Management Systems
- Training
- Team Support
- Escalation Management
Timeline
Risk Analyst I
Intuit
10.2024 - 05.2025
Credit Analyst I
Corvia
04.2023 - 05.2024
Credit Analyst
FIS/Worldpay
04.2022 - 02.2023
Underwriter
Paya, Inc.
08.2020 - 04.2022
Account Manager
Vantage Card Services
06.2016 - 08.2020
Bachelor of Science - Mathematics
Kennesaw State University (KSU)