Farjana Tahmim
Wood-ridge,NJ
Summary
As an AML Analyst, I investigated and resolved over 60 suspicious case including P2P transaction cases across platforms like Cash App and Zelle, resulting in multiple SAR filings and multiple law enforcement referrals. I monitored transactions and gained experience finding out structuring, layering activity. I also was involved in training and helping other AML analyst to keep the case work and SARs consistent and solid
Overview
3
3
years of professional experience
Work History
AML Investigations Analyst
Protiviti Risk and Business Internal Audit
New York, NY
05.2025 - Current
- Review and analyze transactions flagged by monitoring systems to identify suspicious activity, including structuring, high-risk jurisdictions, and inconsistent customer behavior.
- Draft clear and well-supported SARs in accordance with FinCEN guidelines, ensuring timely submission and proper documentation of findings.
- Conduct CDD and EDD by verifying customer identity, assessing risk levels, and reviewing source of funds and business activities.
- Support BSA/AML program reviews by testing internal controls, assessing policy effectiveness and identifying areas of improvement.
- Assist with KYC file remediation by updating client profiles, validating key information, and ensuring compliance with regulatory standards.
Anti-Money Laundering Operation Analyst I (Further Investigation)
TD Bank
Mount Laurel, NJ
03.2023 - 07.2024
- Analyze flagged transactions using automated tools to identify potential suspicious activities, and patterns indicative of money laundering.
- Investigating high risk p2p transactions like Zelle’s transactions, cash app, Venmo and analyzing behavior and pattern with in the inflows and outflows transactions and use KYC data to identify the potential money laundering concerns activities.
Reviewing transactions velocity, the funds layering and cross accounts links, device or IP tracing to detect any type of structuring - Conduct risk evaluations on customers, accounts, and transactions based on factors like location, customer type, and business.
- Perform in-depth reviews on high-risk customers, and verify their identities and profiles during onboarding and reviews, ensuring compliance with KYC requirements.
- Use tools such as CMOD, Excel, or ovation to analyze transaction datasets, detect patterns of structuring, layering, or other red flags.
- Investigate suspicious activity alerts, gathered supporting documentation, and filed SARs in compliance with regulatory frameworks.
- Partner with fraud, compliance, and legal teams to escalate and resolve complex cases efficiently.
Fraud Agent i and Fraud Agent ii
TD Bank
Mount Laurel, NJ
04.2022 - 03.2023
- Reviewed documentation, identified financial discrepancies where applicable and created monthly report.
- Analyze first reports of loss and underlying file material to determine if a claim is suspect.
- Collaborated with the customer service team to identify and address customer complaints related to fraud.
- Conducted a comprehensive analysis of customer data and identified a new fraud pattern in PayPal, Zelles, Venmo, Cash app etc.
- Review data to verify the validity of claims and recommend corrective action of fraudulent claims. Complete required investigations on referral files in a timely manner.
Education
Bachelor Of Arts - Law and Society, Digital Media and Journalism (Department of English)
The City University of New York, John Jay College of Criminal Justice
New York, NY05.2021
Skills
- Proficient in Microsoft Word, PowerPoint, Excel and Outlook on both Windows and Mac systems
- Transaction monitoring
- Suspicious Activity Report (SAR) writing
- P2P and crypto transaction investigation
- KYC/CDD/EDD review
- Case management systems (eg, Actimize, SAS, MOC etc)
- AML typologies (structuring, layering, smurfing, etc)
- Fraud pattern recognition
- Data analysis & Excel reporting
- Regulatory compliance (BSA/AML, FinCEN, FATF guidelines)
- Knowledge of social media platforms including Facebook, Twitter, Instagram and LinkedIn
- Experience with computer programing
Language Skills
Fluent in spoken and written Bangla; Conversational: Hindi, Urdu.
Internship Experiences
- Oltarsh & Associates Legal Firm
- Translator
- Ensure translated content conveys original meaning and tone.
- Proofread translated texts for grammar, spelling and punctuation accuracy.
- Follow up with internal team members and clients to ensure translation meets their needs.
Timeline
AML Investigations Analyst
Protiviti Risk and Business Internal Audit
05.2025 - Current
Anti-Money Laundering Operation Analyst I (Further Investigation)
TD Bank
03.2023 - 07.2024
Fraud Agent i and Fraud Agent ii
TD Bank
04.2022 - 03.2023
Bachelor Of Arts - Law and Society, Digital Media and Journalism (Department of English)
The City University of New York, John Jay College of Criminal Justice