Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Edith Beltran

Senior BSA Analyst
Corona,CA

Summary

Experienced and detail-oriented Senior BSA Analyst with over 20 years in banking and financial services, specializing in BSA/AML compliance, fraud detection, and regulatory investigations. Proven ability to lead complex financial crime investigations, conduct enhanced due diligence (EDD), and manage suspicious activity reports (SARs). CAMS-certified professional with hands-on expertise in industry-standard compliance systems including Verafin, Patriot Officer, and Banker's Toolbox. Recognized for performance excellence, training leadership, and risk mitigation in high-stakes environments.

Overview

18
18
years of professional experience
2
2
Certifications

Work History

Senior BSA Specialist

SchoolsFirst Federal Credit Union
04.2017 - Current
  • Monitored real-time transaction alerts generated by automated systems, responding swiftly to mitigate risks associated with potential illicit activities.
  • Conduct in-depth BSA/AML investigations and submit SARs through FinCEN’s e-filing system.
  • Perform EDD reviews on high-risk members, including those with international profiles.
  • Analyze complex transactional data for suspicious patterns and potential structuring.
  • Oversee BSA monitoring systems including Verafin and Patriot Officer.
  • Provide training and guidance to new BSA analysts, improving department knowledge retention.
  • Developed and implemented risk assessment frameworks that enhanced detection of high-risk clients and transactions.
  • Collaborate with internal audit, compliance, and risk teams to improve fraud controls.
  • Maintain current knowledge of regulatory updates (BSA/AML, OFAC, USA PATRIOT Act).
  • Trained junior analysts on AML policies, investigative techniques, and use of transaction monitoring systems to foster a knowledgeable team environment.
  • Evaluated effectiveness of existing AML programs and recommended enhancements based on emerging trends in financial crime and regulatory changes.
  • Participated in cross-departmental initiatives to improve overall compliance culture within the organization, promoting awareness of AML risks among staff members.
  • Served as a subject matter expert on AML-related matters during regulatory examinations, demonstrating the company''s robust compliance framework.
  • Streamlined AML procedures by identifying inefficiencies and implementing improvements to reduce processing time.
  • Conducted regular reviews of existing controls and protocols to identify areas requiring enhancements or updates in response to evolving regulations or industry practices.
  • Oversaw the preparation of periodic risk assessment reports for senior management review, highlighting emerging trends and recommending appropriate action plans where needed.

Consumer Service Delivery Representative II

SchoolsFirst Federal Credit Union
10.2015 - 01.2017
  • Resolved escalated member inquiries and supported frontline staff in service delivery.
  • Delivered internal training on compliance standards and product knowledge.
  • Recognized for consistently meeting audit and quality benchmarks.
  • Provided exceptional member service by addressing inquiries and resolving issues through effective communication and problem-solving techniques.
  • Processed loan applications, ensuring accuracy and compliance with regulatory standards while delivering timely responses to members.
  • Assisted in the development of training materials for staff, ensuring all team members were equipped with current information on products and services available to members.
  • Provided exceptional customer support, handling inquiries and complaints professionally and efficiently.

Supervisor

Citibank N.A.
01.2012 - 01.2015
  • Managed team of auditors to ensure branch compliance with federal and internal policies.
  • Directed internal investigations into potential fraud and BSA/AML violations
  • Supervised daily operations, ensuring compliance with banking regulations and internal policies to maintain operational integrity.
  • Oversaw daily operations of branch, ensuring compliance with policies and procedures to enhance customer service levels.
  • Utilized branch management software to track daily transactions, analyze sales trends, and support strategic decision-making processes.
  • Maintained compliance with regulatory standards, conducting regular audits and implementing corrective actions when necessary.
  • Promoted a positive work environment through leadership initiatives focused on teamwork, recognition, and continuous learning opportunities for employees.
  • Fostered long-term client relationships through personalized attention, attentive listening, problem-solving abilities.

Senior Personal Banker

Bank of America
03.2007 - 02.2012
  • Trained staff on compliance and audit standards; improved regional audit scores.
  • Opened accounts in accordance with KYC requirements and BSA protocols.
  • Ranked in Top 3 regionally for sales performance while maintaining full regulatory compliance.
  • Provided personalized financial solutions to clients by assessing their needs and recommending appropriate banking products, enhancing customer satisfaction and loyalty.
  • Led team initiatives to streamline account opening processes, reducing wait times and improving overall service efficiency for clients.
  • Conducted financial reviews for customers, identifying opportunities for cross-selling additional products and services.
  • Improved client retention rates by maintaining open lines of communication and addressing concerns promptly.

Education

Bachelor of Arts - Political Science & Legal Studies

Chapman University
Orange, CA
01.2007

Skills

BSA/AML Compliance & Investigations

Suspicious Activity Reports (SARs)

Enhanced Due Diligence (EDD)

Customer Due Diligence (CDD/KYC)

Fraud Detection & Risk Management

Regulatory Reporting (FinCEN, OFAC)

Internal Auditing & Compliance Training

Patriot Officer

Verafin

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Certification

Certified Anti-Money Laundering Specialist (CAMS), ACAMS

Timeline

Senior BSA Specialist

SchoolsFirst Federal Credit Union
04.2017 - Current

Consumer Service Delivery Representative II

SchoolsFirst Federal Credit Union
10.2015 - 01.2017

Supervisor

Citibank N.A.
01.2012 - 01.2015

Senior Personal Banker

Bank of America
03.2007 - 02.2012

Bachelor of Arts - Political Science & Legal Studies

Chapman University

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