Daiana Garo
Charlotte,NC
Summary
Proficient AML Investigator and Financial Crimes professional of 8 years committed to identifying and mitigating financial crimes risk. Expertise in analyzing and identifying suspicious transactions, conducting thorough investigations, preparing detailed reports, and ensuring compliance with regulatory standards to mitigate financial crime risks.
Overview
8
8
years of professional experience
Work History
Financial Crimes Specialist- AML Investigator
Wells Fargo Bank
04.2022 - Current
- Conduct comprehensive and thorough investigations into customer transactions and background details to ensure compliance with AML regulations and the Bank Secrecy Act.
- Identify patterns, trends, and anomalies of suspicious activity through meticulous transaction analysis, aiding in the detection of financial crimes.
- Utilize multiple systems and methods of research to gain insightful and relevant information on customers to make informed decisions as it relates to transactional analysis and potential risks to financial institutions.
- Utilize extensive knowledge of relevant AML Regulations, the Bank Secrecy Act, and Suspicious Activity Reports to prepare and detail findings of investigations as it relates to the detection and identification of suspicious activity.
- Stay current on emerging trends, topics, and skills in relation to financial crimes and detection, proactively adapting investigative strategies accordingly.
- Use comprehensive risk assessments to determine potential escalations as it relates to decisions on exiting customer relationships.
- Use advanced Microsoft office skills to organize and analyze data, as well as report investigation findings.
- Remain compliant and knowledgeable of all policies and procedures as it relates to identifying, investigating, and reporting suspicious activity.
- Articulate investigative workflows and conclusions in both written and verbal formats.
Lead Fraud & Claims Operations Representative
Wells Fargo Bank
07.2018 - 04.2022
- Research, analyze, and identify customer transactions to detect/prevent financial crime activities, policy violations, and suspicious situations in order to mitigate loss.
- Investigate and analyze advanced fraud types for account takeover, elder abuse, new account, and deposit fraud writing and reporting suspicious activity to the proper lines of business for further investigation
- Investigate and refer AML concerns, such as cash structuring and rapid money movement, through written Unusual Activity Reports to the SAR group or appropriate line of business for further investigation.
- Analyze potential fraud patterns including advanced fraud types and trends reporting coaching opportunities with post resolution analysis on cases already resolved by team members
- Maintain responsibility for reviewing and investigating alerts generated by established production reports or derived from new fraud strategies to identify external fraud
- Serve as an outbound subject matter expert coaching numerous team members weekly, as well as coaching and being a resource for new hires during the transition period of On-the-Job Training.
- Utilize multiple online systems to make accurate actions while monitoring customer accounts.
- Develop and facilitate advanced fraud training material which provides specialist with a more in-depth understanding for identifying and mitigating first party and deposit fraud losses.
- Facilitate Decision Quality workshops for PCFD new hires as well as tenured team members to ensure their understanding of fraud types and ability to identify fraudulent activity on customer accounts.
- Provide SME and how to support for the Business Elite team members working PCFD customer contact referrals within the PREVENT application.
Fraud & Claims Operations Representative
Wells Fargo Bank
06.2017 - 07.2018
- Provides superior customer service while being extremely knowledgeable of department policies and procedures to ensure all regulatory/compliance requirements are met.
- Investigate and analyze potential fraud on debit and credit cards.
- Ensure proper loss mitigation by exceeding department standards in decision accuracy, phone quality, and handle time.
- Submit business referrals to appropriate departments for account takeover or first party fraud.
- Consistently identifies fraud trends alerting management and team members in order to prevent further losses on customer accounts.
- Effectively diffuse customer escalations by utilizing strong verbal communication skills.
- Manage sensitive and confidential customer and bank information.
Education
MS - Criminal Justice, Cybercrimes
Walden University
06.2022
BA - Criminal Justice, Sociology
University of North Carolina at Charlotte
12.2016
Skills
- Transaction analysis
- Risk assessment
- Detailed report writing
- Researching skills
- Data Analysis
- Investigative Reporting
Timeline
Financial Crimes Specialist- AML Investigator
Wells Fargo Bank
04.2022 - Current
Lead Fraud & Claims Operations Representative
Wells Fargo Bank
07.2018 - 04.2022
Fraud & Claims Operations Representative
Wells Fargo Bank
06.2017 - 07.2018
BA - Criminal Justice, Sociology
University of North Carolina at Charlotte
MS - Criminal Justice, Cybercrimes
Walden University
INVOLVEMENT & ACCOLADES
- 2019 MVP Award Recipient in Payment Card Fraud Detection
- Detection Operations Ambassador Committee Member within Payment Card Fraud Detection
- Multiple awards and accolades from Wells Fargo in Payment Card Fraud Detection for Top Performance, Large Dollar Saves and Achieving Excellence