Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Fidelis Tolulope

Forney,TX

Summary

Experienced Financial Crime Analyst with 9 years of expertise in Anti-Money Laundering (AML), Bank Secrecy Act (BSA) compliance, and fraud investigations. Proven track record in transaction monitoring for both fiat and cryptocurrency, Suspicious Activity Report (SAR) drafting and filing, and in-depth analysis of complex transactions to identify patterns, trends, and anomalies. Skilled in EDD, CDD, KYC, PEP / sanctions reviews, and compliance remediation. Adept at detecting and mitigating risks related to money laundering, terrorist financing, sanctions violations, fraud, and financial crime.

Overview

8
8
years of professional experience

Work History

Financial Crimes Investigator (SAR Analyst)QC

Simmons Bank
Dallas, Texas
11.2023 - Current
  • Researched emerging trends in fraud and money laundering techniques.
  • Performed transaction monitoring and prepared Suspicious Activity Reports (SARs) in line with BSA/AML regulatory requirements.
  • Executed the BSA monitoring program, including exception monitoring, alert clearance, investigations, and reporting in compliance with internal policies and procedures.
  • Conducted periodic Quality Control (QC) reviews of alerts to ensure investigative work met established compliance standards.
  • Led deep-dive investigations into customer-facing security incidents and suspicious transactions.
  • Initiated Requests for Information (RFI) and 314(b) information sharing requests while performing research and investigative analysis.
  • Escalated high-risk suspicious activities and determined SAR filing requirements based on investigative findings.
  • Identified and analyzed patterns, trends, and anomalies in complex transactions and customer data to detect and mitigate money laundering, terrorist financing, and structuring risks.
  • Reviewed and analyzed correspondent banking transaction activity to ensure compliance with AML standards.
  • Researched and documented daily transaction reviews in accordance with AML policies and regulatory expectations.
  • Performed detailed transactional and relationship analyses across multiple products and business lines to detect unusual activity.
  • Conducted enhanced due diligence (EDD) on individuals, accounts, and activities involving high-risk jurisdictions or elevated risk factors.
  • Participated in training sessions designed to keep up-to-date on industry changes & collaborated with external partners such as law enforcement agencies, auditors, and regulators.

Fraud Investigator II

Frontier Bank
Austin, Texas
08.2020 - 07.2023
  • Evaluated internal processes and procedures to detect areas of vulnerability to fraud.
  • Led end-to-end investigations into merchant-related fraud, including application fraud, synthetic identities, shell companies, transaction laundering, card-not-present (CNP) fraud across e-commerce, mobile, and digital wallets, as well as account takeover (ATO), wire and elderly abuse cases.
  • Implemented fraud detection strategies by analyzing onboarding data, transaction trends, behavioral analytics, and detecting collusive chargeback schemes.
  • Worked closely with onboarding, compliance, legal, and cross-functional teams to evaluate customer risk and implement swift actions, including account holds, terminations, and the filing of Suspicious Activity Reports (SARs).
  • Leveraged fraud detection platforms (e.g., Falcon, SAS, Actimize, FICO, Brighterion) and internal risk models to identify suspicious activity and emerging threats.
  • Ensured adherence to card network rules (Visa, Mastercard) and regulatory obligations, including PCI DSS, AML, and PSD2 requirements.
  • Monitored high-risk customers to detect emerging fraud typologies and implement proactive mitigation strategies
  • Coordinated with issuing banks, merchants, processors, and card networks to support disputes, investigations, and remediation efforts.
  • Managed customer's fraud case files with thorough documentation, root cause analysis, and clear reporting for internal stakeholders and external regulators.
  • Supported chargeback resolution and recovery efforts, ensuring timely and accurate case handling, including card scheme investigations, law enforcement inquiries, and industry working groups.

KYC / AML Compliance Investigator (SAR Writer)

Austin Telco Federal Credit Union
Austin, Texas
12.2017 - 05.2020
  • Evaluated customer profiles against set criteria for identification of high-risk clients requiring enhanced due diligence measures.
  • Leveraged in-depth knowledge of BSA/AML laws, the USA PATRIOT Act, and U.S. Treasury guidelines to ensure compliance throughout onboarding, due diligence, and transaction monitoring processes.
  • Conducted KYC verification and risk assessments on newly onboarded customers, confirming account purpose, legitimacy, and alignment of transaction activity with expected behavior.
  • Executed Enhanced Due Diligence (EDD) reviews for high-risk clients, analyzing documentation, transaction patterns, and ownership structures to uncover potential risks.
  • Investigated complex customer and transactional data to detect suspicious patterns, trends, and anomalies linked to potential money laundering, structuring, or identity fraud.
  • Reviewed and validated customer records to maintain strong KYC compliance, and reduce exposure to illicit financial activity.
  • Prepared well-supported recommendations for the filing of Suspicious Activity Reports (SARs) in accordance with regulatory obligations.
  • Partnered with investigative and compliance teams to strengthen fraud prevention strategies and ensure effective risk mitigation.

Education

MBA - Law

University of ADO
Nigeria

Certified Anti-money Laundering Specialist – CAMS

Skills

  • Advanced Microsoft Office skills, including Word, Excel, and Outlook, and pivot tables
  • Strong time management skills and ability to meet deadlines
  • Ability to identify information, cross-reference data, and take action accordingly: KYC, CDD, EDD
  • Skilled in fraud detection, prevention, and investigation strategies
  • Experienced in the use of AML software such as Patriot Officer, Verafin, Actimize, SAS, Salesforce, World-Check, Fenergo, Bankers Almanac, LexisNexis, Archive Image, Global investigator tool kits
  • BSA/AML look-back projects
  • QC/QA functions and SAR writing

References

References available upon request.

Timeline

Financial Crimes Investigator (SAR Analyst)QC

Simmons Bank
11.2023 - Current

Fraud Investigator II

Frontier Bank
08.2020 - 07.2023

KYC / AML Compliance Investigator (SAR Writer)

Austin Telco Federal Credit Union
12.2017 - 05.2020

MBA - Law

University of ADO

Certified Anti-money Laundering Specialist – CAMS

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