Cynthia Haynes
Fate,TX
Summary
Diligent and detail-oriented AML/KYC Analyst with 8 years of experience in the financial industry. Proven ability to conduct thorough customer due diligence, analyze complex financial transactions, and ensure compliance with anti-money laundering regulations. Seeking a challenging role to contribute analytical skills, regulatory knowledge, and dedication to maintaining a strong AML/KYC program.
Professional with comprehensive experience in financial crime prevention, specializing in anti-money laundering investigations. Skilled in identifying suspicious activities, analyzing complex data, and implementing compliance strategies. Strong collaborator and results-driven, adaptable to changing needs, and dependable in high-pressure environments. Expertise in regulatory requirements, risk assessment, and transaction monitoring.
Overview
9
9
years of professional experience
Work History
AML Investigator
Coinbase/ Danos Consulting
10.2024 - Current
- Conducted thorough analysis investigation into Crypto currency for potential, ATO, Identity theft, Fraud, Money laundering, EFE, CSAM.
- Conduct blockchain analysis for using internal and external tools, Gondor and tracer to mitigate financial transactions or any illicit or suspicious activity
- Perform and EDD request on the users to mitigate SOW/SOF, Employment, transactional history.
- Escalate case if the user is suspected of any unusual activity or if SAR is needed to be filed.
- Compose narrative detailing transactions that were flagged for as to why and it does not pose a potential threat and should be waived
Sr. AML/KYC Analyst QC
SBA /Contract
12.2022 - 09.2025
- Provide feedback as appropriate to analysts and ensure corrective actions required are completed timely
- Conducted quality control reviews of AML investigations and compliance processes to ensure accuracy and effectiveness
- Conducted in-depth investigations into suspicious transactions and activities to identify potential instances of money laundering, fraud, and other financial crimes.
- Analyzed financial data, patterns, and trends to identify anomalies and potential risks, and prepared detailed investigative reports documenting findings and recommendations.
- Reviewed and evaluated alerts generated by transaction monitoring systems, conducting further analysis and investigation as necessary to determine the validity of alerts and escalate cases for further review.
- Provided training and guidance to junior analysts and staff members on AML investigation techniques, best practices, and regulatory requirements.
- Participated in cross-functional teams and working groups to develop and implement strategies to enhance AML detection and prevention capabilities.
- Analyze and assess customer profiles, identifying potential risks and anomalies in transactional behavior.
- Prepare and submit Suspicious Activity Reports (SARs) in accordance with regulatory requirements.
- Utilized Actimize, SharePoint, OFAC, Experian, World-Check, LexisNexis
- Conducted investigations into potentially suspicious activities, utilizing various tools and techniques.
- Assisted in the development of internal controls to enhance the effectiveness of the AML program.
- Conduct customer due diligence (CDD) reviews of new and existing clients to ensure compliance with AML/KYC regulations
AML Analyst
SMBC/Experis Contract
07.2024 - 10.2024
- Conduct thorough analysis of transactional data using various tools and software to identify suspicious patterns, potentially fraudulent activity, and indicators of money laundering.
- Conduct searches for any for potential red flags such as adverse media, name, social security, address, date of birthdate, name mismatches, utilizing google search, lexis nexis, socure.
- Cleared 10-15 suspicious activity alerts flagged as potential fraud
- Escalate SAR further review if suspected fraud or 314b needed to verify funds
- Compose narrative detailing transactions that were flagged for as to why and it does not pose a potential threat and should be waived
Sr. AML/KYC Specialist
Consolidated Analytics/ USAA
01.2023 - 03.2023
- Conduct thorough analysis of transactional data using various tools and software to identify suspicious patterns, potentially fraudulent activity, and indicators of money laundering.
- Review alerts generated by transaction monitoring systems, investigating each alert meticulously to determine its validity and escalate cases for further review as necessary.
- Utilize data analysis techniques and tools to identify trends and anomalies in transactional data, conducting deeper investigations into high-risk cases and documenting findings in detailed reports.
- Collaborate with cross-functional teams, including compliance, legal, and law enforcement, to gather additional information and evidence to support investigations.
- Stay updated on industry trends, regulatory changes, and emerging threats related to money laundering and financial crime, incorporating new methodologies and techniques into investigation practices.
- Provide training and support to junior analysts on AML investigation techniques, tools, and best practices.
AML Investigator
Compunnel/ Morgan Stanley- Contract
03.2022 - 10.2022
- Conducted thorough analysis of Suspicious Activity Reports (SARs) and other regulatory filings to detect potential instances of money laundering and financial crimes.
- Utilized AML monitoring systems and tools to review transactional data and identify patterns indicative of suspicious activity.
- Participated in regulatory examinations and audits, providing documentation and support related to SAR filings and AML compliance effort
- Investigated and analyzed complex transactions and account activity to determine the legitimacy and identify potential red flags.
- Prepared detailed reports documenting findings, analysis, and recommendations for further action or escalation.
- Stayed updated on emerging trends, regulatory changes, and industry developments related to money laundering and financial crime.
- Reviewed and assessed alerts generated by transaction monitoring systems, conducting further investigation as necessary to determine the validity and escalate cases for further review.
AML Investigator
CMG Mortgage
02.2021 - 03.2022
- Conducted thorough analysis of Suspicious Activity Reports (SARs) and other regulatory filings to detect potential instances of money laundering and financial crimes.
- Utilized AML monitoring systems and tools to review transactional data and identify patterns indicative of suspicious activity.
- Participated in regulatory examinations and audits, providing documentation and support related to SAR filings and AML compliance effort
- Investigated and analyzed complex transactions and account activity to determine the legitimacy and identify potential red flags.
- Prepared detailed reports documenting findings, analysis, and recommendations for further action or escalation.
- Stayed updated on emerging trends, regulatory changes, and industry developments related to money laundering and financial crime.
- Reviewed and assessed alerts generated by transaction monitoring systems, conducting further investigation as necessary to determine the validity and escalate cases for further review.
AML Investigator
Mr. Cooper
04.2019 - 03.2020
- Conducted thorough analysis of Suspicious Activity Reports (SARs) and other regulatory filings to detect potential instances of money laundering and financial crimes.
- Utilized AML monitoring systems and tools to review transactional data and identify patterns indicative of suspicious activity.
- Participated in regulatory examinations and audits, providing documentation and support related to SAR filings and AML compliance effort
- Investigated and analyzed complex transactions and account activity to determine the legitimacy and identify potential red flags.
- Prepared detailed reports documenting findings, analysis, and recommendations for further action or escalation.
- Stayed updated on emerging trends, regulatory changes, and industry developments related to money laundering and financial crime.
- Reviewed and assessed alerts generated by transaction monitoring systems, conducting further investigation as necessary to determine the validity and escalate cases for further review.
AML Investigator
PennyMac Financial
07.2018 - 01.2019
- Conducted thorough analysis of Suspicious Activity Reports (SARs) and other regulatory filings to detect potential instances of money laundering and financial crimes.
- Utilized AML monitoring systems and tools to review transactional data and identify patterns indicative of suspicious activity.
- Participated in regulatory examinations and audits, providing documentation and support related to SAR filings and AML compliance effort
- Investigated and analyzed complex transactions and account activity to determine the legitimacy and identify potential red flags.
- Prepared detailed reports documenting findings, analysis, and recommendations for further action or escalation.
- Stayed updated on emerging trends, regulatory changes, and industry developments related to money laundering and financial crime.
- Reviewed and assessed alerts generated by transaction monitoring systems, conducting further investigation as necessary to determine the validity and escalate cases for further review.
Compliance Specialist
Recovco Mortgage -Contract
08.2016 - 09.2018
- Conduct thorough analysis of transactional data using various tools and software to identify suspicious patterns, potentially fraudulent activity, and indicators of money laundering.
- Review alerts generated by transaction monitoring systems, investigating each alert meticulously to determine its validity and escalate cases for further review as necessary.
- Utilize data analysis techniques and tools to identify trends and anomalies in transactional data, conducting deeper investigations into high-risk cases and documenting findings in detailed reports.
- Collaborate with cross-functional teams, including compliance, legal, and law enforcement, to gather additional information and evidence to support investigations.
- Stay updated on industry trends, regulatory changes, and emerging threats related to money laundering and financial crime, incorporating new methodologies and techniques into investigation practices.
Education
Diploma -
Wilmer Hutchins High School
Skills
AML/KYC, Compliance Customer Due Diligence (CDD) Enhanced Due Diligence (EDD), Transaction Monitoring, Investigative Skills, Regulatory Compliance Report Writing, Team Collaboration, Risk Assessment Suspicious Activity Reporting, Regulatory Compliance, Analytical and Investigative Skills, Team Leadership, Report Writing, FIS Prime, Socure, Lexis Nexis, FIS MBP, Actimize, Google Search, Back Office, Minerva, Hummingbird, Admin, Clear, Tracer, Gondor
Proficient in suspicious activity documentation
Timeline
AML Investigator
Coinbase/ Danos Consulting
10.2024 - Current
AML Analyst
SMBC/Experis Contract
07.2024 - 10.2024
Sr. AML/KYC Specialist
Consolidated Analytics/ USAA
01.2023 - 03.2023
Sr. AML/KYC Analyst QC
SBA /Contract
12.2022 - 09.2025
AML Investigator
Compunnel/ Morgan Stanley- Contract
03.2022 - 10.2022
AML Investigator
CMG Mortgage
02.2021 - 03.2022
AML Investigator
Mr. Cooper
04.2019 - 03.2020
AML Investigator
PennyMac Financial
07.2018 - 01.2019
Compliance Specialist
Recovco Mortgage -Contract
08.2016 - 09.2018
Diploma -
Wilmer Hutchins High School