Overview
Work History
Education
Skills
Timeline
Generic

ROSEMARY NZERIBE

Euless

Overview

7
7
years of professional experience

Work History

AML/BSA Officer

Santander US
10.2023 - Current
  • Performs a variety of investigative duties to assist the Enterprise with compliance of the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), USA PATRIOT Act, and other AML program requirements
  • Responsible for investigating transactional data to prevent and report money laundering, terrorist financing (ML/TF), and other illicit activities
  • Review daily tasks, perform independent analysis, and quality control to determine activity that should be escalated for potential suspicious activity reporting
  • Composes narratives to document potentially suspicious activity for reporting purposes and creates reports based on available information related to the investigation
  • Research and resolve alerts, conduct moderate-to-complex investigations within the system, and evaluate transactional risk levels
  • Reviewing SAR form narratives for completeness and accuracy and making necessary edits as needed
  • Review client transaction activity, client file review, conducts due diligence searches and metrics
  • Assist in 314b information sharing responses, collaborating across departments to compile accurate and compliant information.

Treasury Operations Fraud Officer

Goldman Sachs & Co- Dallas TX
02.2021 - 09.2023
  • Investigate and resolve exceptions related to cash settlement and payment execution
  • Liaise with vast network of agent banks to trace payments, resolve queries, exceptions, or issues
  • Daily operations and activities including transaction processing, settlement confirmations, bank account reconciliation and reporting
  • Assessment of customer profiles and client data to identify whether activity is consistent with typical purchasing/payment activity, including Acceptable Use Policy adherence and Know Your Customer efforts
  • Conducting comprehensive AML investigation reviews which includes analyzing transaction information, reviewing customer data, researching open source and media checks, and based on this research, making a recommendation for either Suspicious Activity Reports (SAR) or no SAR
  • Timely settlements of payments, account reconciliation, managing the global cash pooling process and KPI reporting
  • Creating and maintaining documentation on processes, policies, to ensure compliance to business requirements
  • Collaborating with cross federation teams and across the globe to manage firms cash payments and receipts
  • Engaged in projects and task forces to develop procedures that facilitate regulatory requirements and operational changes
  • Conduct User Acceptance Testing (UAT) for system enhancements and documents work product.

Fraud Analyst

Bank of America - Fort Worth, TX
01.2020 - 01.2021
  • Investigated and analyzed the causes, methods and process of fraud activities and generated fraud prevention reports
  • Analyze customer activity and transactions to identify potentially suspicious behavior
  • Responsible for more involved research and analysis of account activity to assess levels of risk and fraud type
  • Has the ability to complete inbound and outbound calls and take appropriate action based on transaction characteristics of greater complexity
  • Conducted in-depth investigations of flagged transactions and accounts including origin investigations, validating transactions and account reconciliation
  • Review client trading activity, client file review, conducts due diligence searches and metrics
  • Canceled fraudulent or highly suspicious transactions and activity
  • Identified, improved, and analyzed customer experience in the customer lifecycle to drive product roadmap initiatives and update.

Sanctions Analyst

Gapbridge micro finance bank
02.2018 - 06.2019
  • Establishing case investigations for the relationships identified through the customer risk scoring review process
  • Adhering to Bank policies and procedures
  • Work collaboratively with other teams within the bank to ensure compliance with AML regulations
  • Identifying and reporting potential suspicious activity to the AML Officer
  • Knowing and verifying the identity of any customer(s) that enters into a relationship with the Bank
  • Stay up-to-date with AML regulations and industry trends
  • Undertake thorough examinations of flagged activities, maintaining detailed records and intensifying scrutiny where necessary.

Client Services

Wellsfargo Bank - Westlake, TX
10.2016 - 01.2018
  • Correspond with clients to complete new accounts, funds transfer and resolve all client service challenges
  • Worked with cross-functional teams to resolve customer issues
  • Engaged with customers, responding to inquiries and providing product and service level guidance
  • Reviews customer accounts for possible fraudulent account activity
  • Established and implemented processes designed to build and maintain customer relationships, as well as improve customer service
  • Performed executive level support functions including ad hoc correspondence and running reports
  • Monitored customer usage metrics to identify potential opportunities and improve customer outcomes.

Education

Bachelor's degree in Law -

University of Lagos
Lagos, NG

Skills

  • Investigation Leadership
  • Report Writing
  • Critical thinking
  • Attention to detail
  • Risk assessment

Timeline

AML/BSA Officer

Santander US
10.2023 - Current

Treasury Operations Fraud Officer

Goldman Sachs & Co- Dallas TX
02.2021 - 09.2023

Fraud Analyst

Bank of America - Fort Worth, TX
01.2020 - 01.2021

Sanctions Analyst

Gapbridge micro finance bank
02.2018 - 06.2019

Client Services

Wellsfargo Bank - Westlake, TX
10.2016 - 01.2018

Bachelor's degree in Law -

University of Lagos

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