Eniola Akinyemi

• Apply independent and professional judgment when reviewing BSA/AML and fraud alerts, in addition to all policies and procedures, and meet regulatory standards; monitor alert aging, and escalate as necessary.
• Review system-generated fraud alerts, including check kiting, counterfeit and forged checks, scam-related fraud, ACH fraud, wire fraud, and debit card fraud.
• Provide telephone and email support for the department in relation to criminal investigations and inquiries.
• Determine and perform the actions necessary to resolve investigations while reducing potential financial loss to the bank and the customer.
• Demonstrate strong investigative and analytical skills, and be able to formulate and clearly articulate a supportable rationale behind the decisions of the alerted activity, while complying with departmental procedures.
• Conduct investigations into the suspicious activity of Fintech partnership clients.
• Perform onboarding risk reviews, ongoing EDD reviews of both high-risk clients, and fintech partnerships.
• Maintain an acceptable caseload through effective time management, ensuring all cases are clearly and accurately documented for future reference, and complete all required regulatory reports timely and accurately.
• Inform management of all active cases that require escalation, including communicating which laws were broken, and what actions should be taken.

SAR filing:

• Conducting comprehensive case investigations, which include analyzing transaction information, reviewing customer data, researching open source and media checks, and recommending whether a SAR should be filed or not to be reviewed by management.
• Once reviewed, if the decision to report is confirmed, prepare and write suspicious activity reports (SARs).
• Work cooperatively with internal departments to obtain and analyze the necessary information related to the investigation.
• Research and review possible suspicious activity reported by bank staff (TRMS Referral's).
• Use the Bank’s BSA software to monitor suspicious activity, including money laundering, structuring, and potential fraud.
• Perform other duties as assigned.

• Analyze transactional activity, along with the information gathered, and use sound judgment, decision-making skills, and discretion in making reasonable determinations in case investigations performed.
• Independently conduct searches, gather information/data, and record documentation from the Bank's internal systems, the Internet, or other sources relevant to customers, counterparties, and/or transactional activity.
• Utilize the Anti-Money Laundering monitoring tool case management to independently analyze and assess activity or patterns of activity referred by other bank units that are not commensurate with the customer's profile, occupation, or nature of business.
• Submit Requests for Information (RFIs) to the Research team for activities requiring accounts or customers requiring enhanced due diligence.
• Maintain documentation obtained or collected from the Enhanced Customer Due Diligence research process to support case investigations and decisions.

SAR filing

• Prepare Suspicious Activity Reports (SARs) to file with FinCEN, and ensure initial filings and 90-day follow-up reviews are completed within FinCEN guidelines.
• Actively ensures compliance with the Code of Ethics, all AML/BSA information security, and suspicious activity reporting requirements, policies, and procedures.
• Serves as a subject-matter-expert resource by providing guidance to less-experienced team members.

• Maintained up-to-date knowledge of fraud trends, techniques, and regulatory requirements affecting the industry.
• Perform analysis on clients' transactions identified through the monitoring system, which involves various transaction types, including but not limited to credit, cash, wire transfers, remote deposit capture, and loans.
• Conduct and document timely investigations, with well-reasoned and supported decision-making.
• Utilize a variety of internal bank systems and external research tools to investigate, research, and prepare documentation related to fraud investigations, consistent with the resolution of the investigation, and perform root cause analysis to identify solutions to reduce future fraud risk.
• Conducts follow-up with line colleagues and clients for any missing or necessary information.
• Think critically, and exercise independent judgment.
• Apply subject matter expertise in the financial services industry to drive improved fraud detection and prevention.
• Champion activities across the fraud organization for identified risk events.
• Provide escalation support for fraud operations.
• Communicate emerging fraud trends across client operations.