EMILY RIVERA
Lithonia,GA
Summary
Organized and dedicated financial professional with proven track record of efficient planning, problem-solving, communication skills, and exceptional customer service in fast-paced environments. Offering keen attention to detail and strong decision-making skills to manage multiple, concurrent tasks. Self-motivated work ethic to perform effectively in independent or team environments.
Overview
11
11
years of professional experience
1
1
Certification
Work History
BSA/AML Compliance Investigator
Truist Bank
303 Peachtree Center Avenue
05.2023 - Current
- Identified customer activity deemed suspicious or potentially fraudulent and prepared reports for committee review.
- Utilized knowledge of bank products, policies and legal requirements to process work assignments within regulatory guidelines.
- Created, reviewed and analyzed customer transaction reports for purposes of satisfying Bank Secrecy and Anti-Money Laundering regulatory requirements.
- Interacted with law enforcement agencies, regulators and financial institutions to coordinate investigations related to fraudulent activities.
- Communicated with compliance manager to thwart potential money laundering or terrorist financing.
- Reported violators of financial regulations to appropriate parties for disciplinary action.
- Determined customer risk ratings based on analysis and research findings.
- Supported KYC processes for prospective and existing customers.
- Partnered with client-facing teams to collect legal documents and associated information for regulatory and internal policies.
- Interpreted evidence from multiple tools and systems to determine legitimacy of customer behavior.
- Prepared high-risk reviews with results and recommendations for customer onboarding, closure and retention.
Financial Crimes Analyst
Truist Bank
303 Peachtree Center Avenue Atlanta, GA
09.2019 - 05.2023
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Evaluated customer data to identify and prevent fraudulent activities.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Contacted customers directly to notify of fraudulent activity and minimize impacts.
- Interviewed witnesses thoroughly, asking appropriate questions to ascertain critical details about each case.
- Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.
- Established and maintained positive working relationships with external law enforcement agencies to support fraud investigations.
- Responded proactively and positively to rapid change.
Branch Operations Manager
Suntrust Bank
Tucker, GA
08.2018 - 09.2019
- Trained employees on proper procedures and strategies to improve productivity.
- Maintained branch files for major accounts, investments and employees.
- Increased client and supplier satisfaction by solving complex issues with efficient resolutions.
- Set up and supervised cash shipments.
- Completed daily Bank Secrecy Act reports.
- Engaged employees in business processes with positive motivational techniques.
- Generated financial and operational reports to assist management with business strategy.
- Submitted loan applications to underwriter for verification and recommendation.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Monitored customer accounts to detect irregularities or suspicious activity.
- Backed up teller team by handling needs of new and existing customers at main counter.
- Responded to customer inquiries regarding new accounts and account services.
Relationship Manager
Bank Of America
Smyrna, GA
04.2016 - 08.2018
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Created and maintained databases to track customer discussions and preferences for accurate, updated records.
- Enhanced profitability by developing pipelines utilizing marketing and sales strategies.
- Gained customer trust by providing knowledgeable and accurate information in both English and Spanish.
Personal Banker
Wells Fargo
Marietta, GA
01.2013 - 04.2016
- Cultivated strong customer relationships by providing tailored advice and services.
- Resolved customer complaints and disputes to maintain satisfaction and loyalty.
- Analyzed customers' financial information to deliver personalized account guidance.
- Facilitated customer transactions, including deposits, withdrawals and transfers.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Greeted customers and delivered information about new account processes.
- Maintained strong knowledge of bank products, services, procedures and regulatory requirements to assist staff members with questions and difficult or complex tasks.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Processed wide variety of retail banking transactions for personal and commercial customers.
- Cross-sold credit cards, loans and other bank products.
Education
Associate of Science - Accounting And Business Management
Gateway Community College
New Haven, CTAssociate of Science - Business Administration
Housatonic Community College
Bridgeport, CTAssociate of Science - Business Administration And Management
Chattahoochee Technical College
Marietta, GASkills
- Attention to Detail
- Time Management
- Customer Due Diligence
- Team Collaboration
- Customer Service Expert
- Conflict resolution
- Microsoft Office proficiency
- Adaptability
- Interpersonal skills
- Administrative Abilities
- Compliance Monitoring
- Clear Oral/Written Communication
Certification
- Bank Officer, Truist Bank - 2023
- ABA American Bankers Association Certification, Truist Bank- 2023
Languages
Spanish
Native or Bilingual
Timeline
BSA/AML Compliance Investigator
Truist Bank
05.2023 - Current
Financial Crimes Analyst
Truist Bank
09.2019 - 05.2023
Branch Operations Manager
Suntrust Bank
08.2018 - 09.2019
Relationship Manager
Bank Of America
04.2016 - 08.2018
Personal Banker
Wells Fargo
01.2013 - 04.2016
Associate of Science - Accounting And Business Management
Gateway Community College
Associate of Science - Business Administration
Housatonic Community College
Associate of Science - Business Administration And Management
Chattahoochee Technical College