DENISSE GUTIERREZ
Dunedin,FL
Summary
Results-driven Global Financial Crimes Investigator with expertise in transaction monitoring, anti-money laundering, and fraud prevention. Proven success in conducting investigations and preparing detailed reports that enhance organizational compliance.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Global Financial Crimes Investigator
Bank of America
Tampa, FL
03.2024 - Current
- Conducted thorough investigations into suspected financial crimes and fraudulent activities.
- Analyzed transaction data to identify patterns indicative of money laundering or other financial misconduct.
- Collaborated with cross-functional teams to enhance compliance measures and mitigate risks.
- Prepared detailed reports summarizing findings and recommendations for management review.
- Monitored regulatory changes impacting financial crime prevention strategies within the organization.
- Assisted in implementing new investigative tools and technologies to streamline processes.
- Conducted comprehensive investigations into suspicious transactions, leading to successful case resolutions.
- Reduced financial crime incidents by meticulously reviewing customer profiles and identifying potential threats.
- Implemented robust risk assessment methodologies, significantly reducing exposure to financial crimes.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Reviewed transactions and receipts to identify any suspicious activity.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Analyzed financial statements to identify discrepancies, irregularities and fraudulent activity.
Prepaid Fraud Analyst
Bank of America
Tampa, FL
03.2022 - 03.2024
- Analyzed transaction data to identify patterns indicative of fraudulent activities.
- Collaborated with cross-functional teams to enhance fraud detection strategies and tools.
- Conducted thorough investigations into suspicious account behaviors and reported findings.
- Developed training materials for staff on fraud prevention techniques and compliance protocols.
- Utilized advanced analytics software to monitor real-time transactions and assess risk levels.
- Assisted in the implementation of new fraud detection technologies across multiple platforms.
- Evaluated customer data to identify and prevent fraudulent activities.
- Tracked fraud cases and monitored trends to develop strategies for prevention.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Reduced fraud losses by implementing effective fraud prevention strategies and monitoring systems.
- Produced detailed reports of fraud investigations and presented findings to senior management.
Mortgage Loan Closer
Bank of America
Tampa, FL
01.2021 - 03.2022
- Reviewed and verified loan documents for compliance with regulatory standards.
- Coordinated closing schedules with lenders, real estate agents, and clients to ensure timely transactions.
- Prepared accurate closing disclosures and settlement statements to facilitate smooth closings.
- Mentored junior staff on closing procedures and best practices for document management.
- Analyzed loan files for discrepancies, ensuring accuracy of data prior to final approval.
- Implemented process improvements that reduced closing time and enhanced customer satisfaction.
- Collaborated with underwriting teams to address issues affecting loan approvals promptly.
- Coordinated post-closing activities such as disbursement of funds, recording deeds, and delivering final documentation to borrowers.
- Collaborated with title companies for smooth and accurate execution of closing documents.
- Reduced errors in loan documents through meticulous review and verification procedures.
Relationship Banker
Bank of America
Clearwater, FL
09.2018 - 01.2021
- Developed and maintained strong customer relationships to enhance client satisfaction and retention.
- Analyzed customer financial needs to provide tailored banking solutions and product recommendations.
- Assisted clients with account management, transactions, and inquiries to ensure efficient service delivery.
- Collaborated with team members to streamline processes and improve overall branch performance.
- Conducted regular training sessions on compliance standards and best practices for enhanced regulatory adherence.
- Achieved excellent customer satisfaction ratings by addressing concerns promptly and professionally, demonstrating empathy throughout interactions.
- Strengthened client relationships by providing personalized banking solutions and excellent customer service.
Education
Medicine
Santa Fe College
Gainesville, FLSkills
- Suspicious activity reporting
- Transaction monitoring
- Ethics and integrity
- Know your customer
- Anti-money laundering
- Due diligence
- Team collaboration
- Critical thinking
- Attention to detail
- Teamwork and collaboration
- Report writing
- Financial statement analysis
- Decision-making
- Sanctions screening
- Bilingual/Multilingual
Certification
- FCI - Financial Crimes Investigator
Languages
Spanish
Timeline
Global Financial Crimes Investigator
Bank of America
03.2024 - Current
Prepaid Fraud Analyst
Bank of America
03.2022 - 03.2024
Mortgage Loan Closer
Bank of America
01.2021 - 03.2022
Relationship Banker
Bank of America
09.2018 - 01.2021
Medicine
Santa Fe College