Summary
Overview
Work History
Education
Skills
Timeline
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Denise Lockett

St Louis,MO

Summary

Highly accomplished and dedicated Financial Crimes Analyst with over 6 years of experience in anti-money laundering (AML), Know Your Customer (KYC), and compliance within the financial services sector. Proven expertise in identifying, escalating, and resolving exceptions in CIP/KYC data, conducting thorough due diligence, and performing comprehensive transactional reviews. Adept at risk mitigation, sanctions screening, and ensuring strict adherence to BSA/AML policies and regulatory guidelines. Strong analytical, communication, and problem-solving skills with a track record of supporting operational processes, assessing compliance, and optimizing efficiency.

Overview

14
14
years of professional experience

Work History

Compliance AML KYC Analyst

Citibank
10.2018 - Current
  • Lead efforts in identifying, recording, escalating, and resolving exceptions within KYC/CIP data, meticulously validating customer information through diverse documentary and non-documentary methods.
  • Author clear, concise, and grammatically correct case memorandums summarizing complex KYC and due diligence findings, including verified Source of Wealth (SOW).
  • Conduct comprehensive transactional reviews for customers as part of periodic and event-driven reviews to identify suspicious activity.
  • Perform sophisticated risk rating analysis to ascertain account risk levels and ensure compliance with bank standards.
  • Execute diligent screening processes for positive and negative alerts, including Negative News, Politically Exposed Persons (PEPs), and potential Sanctions matches.
  • Spearhead enhanced due diligence reviews for a diverse range of entities, including individuals, corporations, trust accounts, and PICs, utilizing advanced investigative tools such as World Check, LexisNexis, and Google.
  • Manage a high-volume caseload, consistently adhering to strict procedural guidelines, Service Level Agreements (SLAs), and quality standards.
  • Actively contribute to special projects and system testing initiatives, supporting continuous improvement in financial crime prevention tools and processes.
  • Onboard and provide comprehensive training to new associates, fostering a strong understanding of compliance procedures and best practices.

Home Equity Mortgage Underwriter

Citibank
07.2015 - 10.2018
  • Analyzed complex loan risk and thoroughly reviewed loan conditions and requirements to ensure adherence to internal policies and external regulations.
  • Conducted in-depth analysis of tax returns and financial statements to determine ongoing cash flow and support loan repayment capacity.
  • Ensured strict compliance with company policies and regulatory requirements throughout the mortgage underwriting process.
  • Reviewed titles and appraisals to validate property compliance with insurer and guarantor guidelines, mitigating potential risks.
  • Determined loan eligibility and made approval or rejection decisions based on comprehensive risk assessment.
  • Managed requests for additional information to complete applications and necessary documentation efficiently.

QC Analyst

CitiMortgage
10.2011 - 06.2015
  • Monitored the progress and implementation of action plans derived from quality control findings and results, ensuring effective resolution of identified issues.
  • Served as a primary resource and subject matter expert for all inquiries related to Quality Control processes and standards.
  • Communicated identified defects effectively to internal and external counterparts, facilitating timely and accurate remediation.
  • Responsible for auditing loans by meticulously reviewing credit, capacity, compliance, and collateral characteristics to ensure adherence to investor quality standards.
  • Collaborated with underwriters and Risk Officers on the remediation of identified defects, driving process improvements.
  • Performed Second Level Reviews for declined applications, actively seeking alternative solutions to secure approvals or counteroffers within established guidelines.
  • Achieved significant improvements in department cycle times by providing insightful analytic observations and business recommendations based on identified trends.
  • Trained new credit underwriters, enhancing team capability and adherence to quality standards.
  • Developed and maintained quality assurance procedure documentation.

Education

Bachelor of Science -

Lindenwood University
Saint Charles, MO

Skills

  • Financial Crimes Compliance: AML/KYC/EDD, BSA, Sanctions/Screening, CIP, Transaction Monitoring
  • Risk Management: Credit Analysis, Quality Control, Risk Mitigation, Policy Adherence, Control Gap Identification
  • Data Analysis & Reporting: Analytical & Critical Thinking, Data Analysis, Case Memoranda Preparation, Trend Analysis
  • Operational Excellence: Process Improvement, Policy & Procedure Compliance, Quality Assurance, System Testing
  • Communication & Training: Strong Written & Verbal Communication, Stakeholder Collaboration, Training & Mentoring
  • Technical Proficiency: MS Office Suite (Excel, Word, PowerPoint), World Check, LexisNexis, Investigative Databases

Timeline

Compliance AML KYC Analyst

Citibank
10.2018 - Current

Home Equity Mortgage Underwriter

Citibank
07.2015 - 10.2018

QC Analyst

CitiMortgage
10.2011 - 06.2015

Bachelor of Science -

Lindenwood University

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