DANDREA TERRELL

• Conducted Enhanced Due Diligence investigations on transactions to ensure adherence to regulatory requirements.

• Employed Lexis Nexis and web scrubs to investigate Business clients, reporting findings to AML while identifying potential high-risk or prohibited entities.

• Prepared and submitted Suspicious Activity Reports (SARs) in compliance with KYC/AML regulations to the Financial Crimes Enforcement Network (FinCEN) as required by law.

• Collaborated with internal teams to investigate and resolve discrepancies in client information and documentation.

• Oversaw multiple projects concurrently, driving strategic organization and time management. Coordinated resources to achieve project milestones efficiently and led initiatives to enhance project delivery timelines.

• Specialized in financial services consulting and compliance, concentrating on AML, KYC, BSA, and financial crime risk management, with hands-on experience in digital and virtual asset environments.
• Analyzed and interpreted U.S. and international AML regulations for digital assets, focusing on BSA/AML, FinCEN guidance, FATF travel rule, USA Patriot ACT, SARS filing, and OFAC sanctions.
• Conducted in-depth evaluations and integrations of blockchain analytics platforms, ensuring effective transaction monitoring and thorough investigative processes.
• Executed detailed evaluations of AML/KYC vulnerabilities in digital asset transactions to enhance security measures against mixers, privacy coins, and decentralized technologies.
• Demonstrated project and program management expertise, emphasizing strong work ethic and commitment to excellence in deliverables.
• Utilized advanced capabilities in Microsoft Office applications, specifically PowerPoint for presentations, Excel for data management, and Visio for process mapping.
• Cultivated strong client relationships through effective communication and interpersonal skills.

• Investigated discrepancies in customer profiles and transaction data to ensure accuracy and compliance with standards.
• Monitored and enforced AML and KYC policies to ensure regulatory compliance and protect organizational integrity.
• Facilitated communication among internal teams to document findings and escalate critical issues promptly.
• Collaborated in the execution of audits and regulatory examinations, contributing to risk assessment and compliance verification.
• Compiled and submitted all necessary SARs to ensure compliance during investigations.
• Analyzed financial transactions and prepared SAR reports while conducting thorough BSA audits to uphold organizational integrity.
• Oversaw identification verification initiatives to ensure compliance with regulatory standards. Directed adherence to Office of Foreign Assets Control regulations.
• Managed customer due diligence processes, implementing enhanced due diligence measures to mitigate risks.

• Conducted Enhanced Due Diligence investigations on transactions to
  ensure adherence to regulatory requirements.
• Drafted Suspicious Activity Reports and carried out comprehensive
  investigations into potential discrepancies.
• Oversaw transaction activities and evaluated cases for signs of violations
  against Anti-Money Laundering regulations.
• Created and closed cases received from the Anti-Money Laundering
  Department via UCM Trips.
• Employed Lexis Nexis and web scrubs to investigate Small Business
  clients, reporting findings to AML while identifying potential high-risk or
  prohibited entities.
• Managed cases to ensure sufficient time for customer responses to AML
  inquiries.

• Exception Underwriter: analyze highest risk loans for exception to policy, selling directly to investors
• Internal Escalations (interpretation of guidelines, exceptions, income calculations, etc.)
• Second review on every recommend decline to ensure accuracy of underwrite, maintain compliance, ensure no potential fraud, and confirm no viable options for approval.
• Provided comprehensive assistance and educational opportunities for mortgage underwriters to enhance their expertise.
• Conducted comprehensive analysis of income, credit, and asset appraisals to assess repayment capacity.
• Cash Flow Analysis / 1084 of Self-Employment Review / In Depth analysis of Complex Tax Returns
• High Level Risk Review with impeccable quality maintained on all decisions.
• Data Analysis, Risk Assessment, Thorough Write-ups, Excellent comprehension of a multitude of guidelines & regulations.
• Assisted teams in understanding VA and FHA bond processes. Supported clients with DAP inquiries related to FHA and VA programs. Provided guidance on eligibility requirements for VA and FHA loans.
• Exceeding all quota’s and expectations from management year-over-year while adhering to Wells Fargo’s CORE Values.