Detrinia M. Mckinney
U.S. Bank
Charlotte,NC
19
years of professional experience
Results-driven Risk & Trust Analyst with 15 years of experience in financial services and operational risk oversight. Expertise in risk identification, assessment, and mitigation, alongside compliance with regulatory standards. Proven skills in analyzing documentation, reconciling complex accounts, and supporting fraud prevention and audit initiatives. Excels in managing priorities within fast-paced, regulated environments.
Work History
TFM Account Analyst
18 Years 6 Months- Manage 200+ municipal debt portfolios, review daily cash transactions to ensure accurate fund flow, proper payment processing, and adherence to legal agreements.
- Identify, assess, and document risks by analyzing transaction patterns, validating account activity, and escalating discrepancies requiring deeper investigation.
- Conducted monthly waterfalls, allocated cash, and reconciled complex account statements to ensure control accuracy and uphold financial integrity.
- Review and interpret legal documentation to ensure compliance with agreement specifications; communicate findings to internal partners and external stakeholders.
- Support operational risk activities including fraud prevention call-backs, overdraft recording, reserve valuation processing, maturity bill verification, and non-receipt reporting.
- Process and validate trade orders, GIC-related trades, deposits, and redemptions (mandatory and optional).
- Maintain accurate records in alignment with U.S. Bank’s internal control and record-keeping guidelines.
- Prepared risk-based watch lists for clients non-compliant with legal agreements, facilitating timely resolution and risk mitigation.
- Respond to inquiries related to legal documents, loans, and money movements with strong written and verbal communication.
- Assisted with audit requests, self-assessments, and internal compliance requirements, enhancing control effectiveness and supporting regulatory adherence.
- Maintain current industry knowledge and ensure adherence to regulatory and bank-wide compliance standards.
Education
Bachelor of Science - Business Administration
Associate of Arts
Skills
Microsoft Word
Excel
PowerPoint
Outlook
Risk Analysis
Financial Modeling
SEI 3000
Compliance Review
Payment Processing
Risk assessment
Cash Management
Client Communication
Transaction Monitoring
Data Reconciliation
Portfolio Management
CORE COMPETENCIES
- Risk Identification & Mitigation
- Regulatory Compliance
- Risk & Control Self-Assessments (RCSA)
- Process Risk & Control Identification (PRCI)
- Transaction Monitoring & Reviews
- Account Reconciliation & Validation
- Documentation Analysis (Legal & Loan)
- Operational Risk Awareness
- Fraud Prevention & Call-Back Verification
- Stakeholder Communication
- Data Analysis & Reporting
- Internal Controls & Audit Support
- Customer & Client Relationship Management
ADDITIONAL STRENGTHS
- Detail-oriented and proactive in identifying emerging risks.
- Experienced in highly matrixed environments and cross-functional collaboration.
- Strong communication skills with the ability to influence and support business partners.
- Skilled in data-driven decision-making and analytical problem-solving.
Timeline
TFM Account Analyst
U.S. Bank
01.2008 - CurrentRead More
Central Piedmont Community College
Associate of Arts
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Pfeiffer University
Bachelor of Science from Business Administration
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