David Maldonado
McAllen,TX
Summary
Thorough and experienced Risk and Compliance individual with a background in AML Risk, Fraud Investigations, SARs, Quality Assurance, Compliance Risk and Operational Risk seeking to leverage experience to take the next career step in Risk and Compliance. Proficient in gathering, analyzing and reporting evidentiary findings, including Financial Analysis and Fraud. Vast knowledge in Financial Crimes. I have the ability to effectively communicate across multiple audiences, analyzes trends, identify root cause of process gaps or issues and develops recommendations of key work products and participate in the delivery of results to leaders and stakeholders. Strategic thinker with an eye for process optimization and efficiency. Strong communication skills with the ability to collaborate and implement among cross-functional teams, including all levels of the organization and with external regulatory agencies and the ability to indirectly influence others outside the department. Critical and strategic thinking ability and understanding of risk management principles. Successful in administering and juggling multiple tasks as well as working under pressure. Ability to continuously learn, adapt, adjust, and evolve as internal and external factors influence how we operate our fraud risk management programs. Knowledge of federal laws, rules, regulations, and applicable guidance to include: PCI, REG CC, REG E, UCC, FCRA, BSA/AML, Elder Financial. Going on a decade of Risk and Compliance experience and over 14 years of overall banking experience.
Overview
15
15
years of professional experience
Work History
Quality Assurance Advisor I (Remote)
USAA
07.2021 - Current
- Responsible for developing, implementing and sustaining quality assurance/control programs to ensure effective and efficient policies, processes, and procedures are aligned and followed
- Conducts quality reviews and delivers results to appropriate stakeholders and develops action plans for success
- Currently aiding in assisting Fraud QA and AML QA with a backlog project.
- Collaborated with management to discuss effective plans for resolving major quality problems.
- Monitored QA procedures for adherence by employees, notifying personnel of non-compliance issues.
- Consulted with management and personnel to educate on QA standards.
- Assisted in the development and validation of testing methods for quality control purposes.
- Conducted thorough inspections of incoming materials and finished products to ensure quality standards were met.
- Determined training needs of staff and organized training interventions to achieve quality standards.
- Knowledge of federal laws, rules, and regulations to include: PCI, REG CC, REG E, UCC, FCRA, BSA/AML, Elder Financial Exploitation guidance, OCC Fraud Risk Management 2019-37.
- Direct experience in risk measurement and assessment (Risk Appetite, KRIs) for complex financial institution
- High attention to detail regarding trends and gaps in processes and communicating to upper management as needed. Demonstrated ability to communicate optimally at all levels of management.
- Organized and able to meet deadlines on a day by day basis regarding quality assurance.
- Proven experience in owning and handling procedure documents, including their development, maintenance, and continuous improvement.
- Strong experience in procedure and/or technical writing, including the creation and documentation of details processes and guidelines.
- Identifies gaps and evaluates quality standards, measurements, and process improvements to ensure they are aligned with internal practices and regulatory requirements.
- Develops, and recommends improvements and/or changes to Quality Management governance and control standards to include KPIs for reporting, actioning, and escalating to leadership.
- Experience in utilizing subject matter expertise of fraud risk management requirements, policies, laws, and regulations to influence business strategies and solutions and advise the business on how to strengthen and manage fraud risk requirements on business action plans, projects, or operational requests.
- Strong knowledge in one or more product Policy areas including: Identity Theft controls and monitoring, ACH/Zelle network rules and performance monitoring, Check fraud management, Credit Card and Debit Card Payment card rules, performance, transaction monitoring, Card dispute management and performance, Internal Fraud, etc.
AML Compliance Analyst Ii
USAA
05.2019 - 07.2021
- Utilize an Anti-Money Laundering case management tool and other internal software driven systems to monitor, research and analyze trends related to member transactional activity
- Utilize financial product, system, and process knowledge in all lines of business to detect and analyze money laundering and terrorist finance activity
- Refer unusual/out of pattern transactional activity to the Anti-Money Laundering Investigations (AMLI) for further investigation and potential regulatory reporting
- Understand and apply maturing knowledge of BSA, AML, OFAC, and AML regulatory policies.
- Identified potential threats, vulnerabilities and suspicious behavior patterns and recommended mitigation measures.
- Analyzed results of complex investigations and delivered concise written conclusions to management.
- Conducted periodic internal account or customer reviews to identify potentially suspicious activity.
- Liaised with leadership to discuss customer activities and trends that implicated potential money laundering or terrorist financing.
- Above the line and Below the line testing when applying the newly added system Actimize.
- Strong experience in procedure and/or technical writing, including the creation and documentation of details processes and guidelines.
Fraud Prevention and Detection Analyst
Peyton Resource Group (USAA contractor)
04.2018 - 05.2019
- Refer to FCI for SAR filing if alert meets threshold
- Mitigate profiles and accounts in real time to prevent risk and prevent fraudulent activity
- Monitor accounts for potential adult financial exploitation/elder abuse
- Educate USAA member on latest scam trends
- Meet daily review goals at exceptional quality standards
- Analyze departmental documents for appropriate distribution and filing
- Analyzed large amounts of data to find patterns of fraud and anomalies
- Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.
- Managed a caseload of fraud alerts, ensuring timely and accurate resolution of each case.
- Maintained up-to-date knowledge of industry trends, fraud schemes, and regulatory changes affecting fraud prevention.
- Enhanced fraud detection capabilities through the integration of new technologies and data analysis tools.
- Utilized advanced analytics and fraud detection software to monitor transactions and identify patterns indicative of fraudulent behavior.
- Strong experience in procedure and/or technical writing, including the creation and documentation of details processes and guidelines.
- Knowledge of federal laws, rules, and regulations to include: PCI, REG CC, REG E, UCC, FCRA, BSA/AML, Elder Financial Exploitation guidance, OCC Fraud Risk Management 2019-37.
BSA - AML/Fraud Analyst
Lone Star National Bank
03.2015 - 04.2018
- Supported Lone Star National Bank's Bank Secrecy Act program to ensure that BSA / AML regulatory requirements are met while working in a High Intensity Drug Trafficking Area (HIDTA)
- Research, analyze and investigate high risk customers/commercial account behavior for potential Money Laundering or Terrorist Financing related suspicious activity in accordance with bank policies and procedures
- Review triggering activity in Silverlake, Yellowhammer or other transaction monitoring system/reports
- Performed negative media scans using tools such as internet search engines, Lexis Nexis, World Check and any other AML monitoring database
- Partner with bank staff as necessary in researching and investigating cases
- Determine whether a SAR should be filed and drafting a narrative for each case substantiating the decision/recommendation
- Make recommendations for closing customer accounts/relationships based on investigation
- Familiar with OFAC Compliance, Regulation E and Z
- In the event a SAR is filed, submit to FinCEN
- Extensive SAR writing experience in accordance with the OCC
- Reviewed reports and individual transactions that appeared suspicious to uncover possible fraudulent activity
- Contacted customers directly to notify them of fraudulent activity and minimize impact
- Handled Loss Prevention duties such as debit card disputes and reconciliations for customers and the bank while staying in compliance with Regulation E and bank procedures
- Review and investigate fraudulent activity (ACH, Check Kiting, New Account Fraud, Check Fraud, Elder Financial Abuse, etc.) through an internal monitoring system while maintaining minimal loss for the financial institution.
- Maintained fraud analysis models to improve functionality of company systems.
- Identified potential threats, vulnerabilities and suspicious behavior patterns and recommended mitigation measures.
- Conducted periodic internal account or customer reviews to identify potentially suspicious activity.
- Liaised with leadership to discuss customer activities and trends that implicated potential money laundering or terrorist financing.
- Reviewed compliance publications and websites and participated in conferences and other training events to stay apprised of regulatory matters and developments.
- Prepared reports, metrics and research to support fraud initiatives and projects.
- Investigated fraud referrals and researched to minimize risk and resolve inquiries.
- Experience developing clear and concise written analysis and communicating conclusions / findings to senior management and Board committees.
- Strong experience in procedure and/or technical writing, including the creation and documentation of details processes and guidelines.
Personal Banker
Lone Star National Bank
04.2014 - 03.2015
- Maximized revenue through improved sales techniques and branch productivity
- Maintained friendly and professional customer interactions
- Opened and closed accounts for new and existing customers while also complying with OFAC
- Answered telephone inquiries on banking products including checking, savings, consumer loans and lines of credit
- Executed wire transfers, stop payments and account transfers
- Contacted potential clients to pursue sales and gather funds
- Executed customer transactions, including deposits, withdrawals, money orders and checks
- Networked to increase client base and encourage existing clients to expand financial portfolios.
Teller Ii
Lone Star National Bank
12.2011 - 04.2014
- Organized, stocked and maintained the teller window area
- Scheduled staffing for the main branch
- Handled various accounting transactions
- Sold cashier's checks, traveler's checks and money orders
- Maintained friendly and professional customer interactions
- Processed exchange and foreign currency
- Rapidly and efficiently prepared customer and ATM cash and change orders
- Executed customer transactions, including deposits, withdrawals, money orders and checks
- Answered telephone inquiries on banking products including checking, savings, loans and lines of credit
- Collected member loan payments.
Teller Supervisor
International Bank of Commerce
04.2010 - 11.2011
- Scheduled staffing for the main branch
- Audited cash drawers of teller and conducted bank deposits
- Established key procedures for teams preparing documentation, models, and presentations
- Reconciled debit reports, margin reports and trade settlement reports to reach in-house goals and objectives
- Pulled daily branch reports
- Organized, stocked and maintained the teller window area
- Trained and directed new hires during department orientations
- Rapidly and efficiently prepared customer and ATM cash and change orders
- Processed exchange and foreign currency
- Maintained friendly and professional customer interactions
- Handled various accounting transactions
- Answered telephone inquiries on banking products including checking, savings, loans and lines of credit
- Executed customer transactions, including deposits, withdrawals, money orders and checks
- Collaborated with management to discuss effective plans for resolving major quality problems.
- Monitored QA procedures for adherence by employees, notifying personnel of non-compliance issues.
- Consulted with management and personnel to educate on QA standards.
- Assisted in the development and validation of testing methods for quality control purposes.
- Trained end users on software and hardware functionality, best practices and protocols.
- Implemented quality control tools and methodologies to enhance product quality and reduce defects.
Education
Some College (No Degree) - Organizational Leadership (Working On Bachelor's)
South Texas College
05-2025
Associate of Arts - Interdisciplinary Studies
South Texas College
05-2024
Skills
- Excellent time management skills
- Experience conducting compliance and operational risk testing, quality control, quality assurance or audit
- Data analysis
- Analytical
- Trends (AML & Fraud)
- Knowledge of compliance risk management, including advanced knowledge of compliance laws, regulations, and regulatory expectations
- Detail oriented
- Independent worker; seeks direction when needed; organized and able to meet deadlines
- Risk management processes and analysis
- Bank Regulations
- Strong (oral and written) Communication
- Excellent problem-solving skills including recommending solutions in a complex, ambiguous environment best on industry best practices, leveraging a positive, can do attitude
- Problem-solving
- Teamwork and collaboration
- Friendly, positive attitude
- Critical thinking
- Written communication
- Time management
Accomplishments
Aided Lone Star National Bank and USAA in completing and closing consent orders and MRA's in a timely fashion.
Timeline
Quality Assurance Advisor I (Remote)
USAA
07.2021 - Current
AML Compliance Analyst Ii
USAA
05.2019 - 07.2021
Fraud Prevention and Detection Analyst
Peyton Resource Group (USAA contractor)
04.2018 - 05.2019
BSA - AML/Fraud Analyst
Lone Star National Bank
03.2015 - 04.2018
Personal Banker
Lone Star National Bank
04.2014 - 03.2015
Teller Ii
Lone Star National Bank
12.2011 - 04.2014
Teller Supervisor
International Bank of Commerce
04.2010 - 11.2011
Associate of Arts - Interdisciplinary Studies
South Texas College
Some College (No Degree) - Organizational Leadership (Working On Bachelor's)
South Texas College
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