Gabriel Chamorro
Riverview,FL
Summary
Dynamic and self-motivated AML professional with over 12 years of experience in the Banking industry, including 2 years in a supervisory role overseeing fraud prevention. Currently pursuing CAMS certification to further augment expertise. Possess in-depth knowledge of AML laws and regulations, including BSA/AML, OFAC, KYC, EDD, SEC, FINRA, and the USA Patriot Act. Demonstrated proficiency in communication, planning, organization, and time management, coupled with advanced skills in MS Office Programs.
Overview
12
12
years of professional experience
Work History
Client Onboarding Specialist
UBS
Riverview, FL
04.2022 - Current
- Conducted thorough KYC reviews and due diligence on new and existing clients to ensure compliance with regulatory requirements.
- Verified customer identity using public records, financial databases, and other resources.
- Prepared and maintained comprehensive documentation of KYC processes, including risk assessments, findings, and recommendations
- Contributed to the development and enhancement of KYC policies, procedures, and training materials.
- Played an integral role in the training and mentorship of new team members, providing hands-on guidance and constructive feedback to enhance their performance. Consistently reviewed the quality of their work and cases, offering insightful observations and recommendations for improvement. Maintained open communication channels with management, delivering detailed progress updates to ensure transparency and accountability throughout the training process
- Proficiently assisted in diverse markets including UBSI, particularly serving SIAP and SCAP-related clients, where meticulous attention to detail is paramount. Demonstrated expertise in executing a white-glove process for handling escalations.
- Collaborated with cross-functional teams, including compliance, legal, and business units, to address KYC-related issues and implement remediation plans.
AML Analyst
Capco/UBS
Riverview, FL
01.2021 - Current
- Review high net worth client profiles to ensure accuracy and entirety of the KYC information
- Compile a transactional risk review and analyze any irregularities
- Review and disposition alerts generated for PEP, OFAC, Negative news, SDN, high-risk jurisdictions, and Global PEP
- Perform periodic KYC reviews, and complete disposition for client profiles
- Submit RFI and Consult with various branches, responding to appropriate parties regarding termination of a relationship, escalation due to EDD concerns, or unwanted business relations
- Maintained a quality review score of 95% or above
- Complete review of documents for Trust, estate, last will, and Testament/Testamentary, and legal settlements.
AML KYC Analyst
Raymond James Financial Services
Saint Petersburg, FL
05.2019 - 12.2020
- Conducted KYC and AML reviews to ensure client profiles were accurate and completed during the onboarding and periodic review process
- Maintained a quality review score of 99.7% over a 12 month period
- Handled extensive documentation reviews on various client entity types such as domestic, foreign, and Shell companies, trusts, estates, Partnerships, Non-profits, Foundations, and Individual type accounts to ensure compliance with the USA Patriot Act
- Liaise directly with financial advisors to provide a seamless transition experience and additional support when completing Enhanced due diligence reviews and attestations
- Participated in the training process of new hires and rolling out of new systems process improvements and acted as a point of contact
- Processed daily and weekly compliance reports to adhere to the Service level agreements and mitigate any errors in processing alerts.
Account Verification Specialist
Raymond James Bank
Saint Petersburg, FL
02.2019 - 05.2019
- Oversaw proper maintenance and dissemination of filing documentation as well as records and reports for review by various departments
- Data entry, compiling excel reports for batch processing, and wires
- Monitored client account activity and compliance with operational processes, policies, and regulatory requirements
- Performed Lexis Nexis verification and review
- Processed Certificates of deposit documents and mailed out generated statements.
AML Analyst Financial Crimes Risk Management
The Bancorp
Tampa, FL
12.2017 - 10.2018
- Performed Enhanced Due Diligence on customers against various government lists and client types such as OFAC, SDN, KYC, Senior Pubic Figures, PEP AML red flags, Anti-Bribery and corruption, international sanctions, brokerage, Transaction monitoring, material negative news, and elderly financial exploitation
- Researched accounts holders including the source of wealth, corporate ownership, and products used
- Assisted with the SAR filing and investigation to ensure timely and efficient reporting
- Performed detailed analysis to detect patterns, trends, and schemes in transactions across multiple business and personal accounts
- Corresponded with banks regarding CIP required for further analysis
- Review, and analyze underlying data gathered to assess reasonable cause to advance an alert for review and potentially a SAR.
AML Analyst
CapcoCiti
Tampa, FL
10.2014 - 07.2017
- Performed Enhanced due diligence per CIP policies and USA Patriot Act for international clients and sensitive domestic clients such as PEPs or those associated with high-risk industries or countries
- Screening and researching customers against various government lists OFAC, SDN, Senior public figures, PEPs, AML red flags, Anti-Bribery and Corruption, International Sanctions, negative news, and completing SARs when necessary
- Assisted with KYC onboarding, Brokerage, Testing sanctions A B & C, performed AD HOC searches, UAT projects, time studies, batch closing processes, Assisted in OFAC system replacement project through resting and analysis of false-positive alerts, involved in meetings and phone calls to review and edit procedures per global guidelines
- Handled and managed caseloads where I performed analysis and follow up for investigating for fraud, embezzlement, money laundering, tax evasion, organized crime, insider trading, and terrorist financing
- Assisted with the voice of the employee, an initiative for continuous morale-building and collective process improvement ideas, as well as team outings and functions.
Fraud Account Supervisor
Capital One
Tampa, FL
02.2012 - 10.2014
- Handled verification of customer identity, and analyzed documentation for AML concerns
- Investigated initial and second level account activity related to CIP and transitional data to identify suspicious activity and potential fraud by reviewing trends and anomalies in account activity data
- Efficiently completed Fraud reports, account closures, deactivation, and assigning of new account numbers due to fraud, account takeover, suspicious activity, and mass compromise situations
- As a supervisor, I assisted in the training of new associates and an SME in de-escalating fraud related phone calls
- Recognized in 2012 & 2013 for the Fraud Busters Achievement for detecting and tracking 7 fraudsters, preventing over 65k in fraud, and maintaining monthly metrics goals
- Assisted in the company achieving the JD Power and Associates Award in customer service and excellence for U.S
- Credit card, retail banking, and small business credit cards in 2013.
Education
High School Diploma -
Leto High School
05.2005
Associate of Arts -
Hillsborough Community College
Skills
- Customer Due Diligence (CDD)
- Enhanced Due Diligence (EDD)
- Regulatory Compliance
- Risk Assessment
- AML (Anti-Money Laundering) Regulations
- KYC Policies and Procedures
- Investigative Research
- Documentation and Reporting
- Analytical Thinking
- Attention to Detail
- Team Collaboration
- Communication Skills
- Bank Secrecy Act
- User Acceptance Testing
- Business Analysis
- Process Improvement
- Microsoft SharePoint
- SQL
- Quality Assurance
- Requirements Gathering
- Business Requirements
- User Interface (UI)
- Lexis-Nexis
- world compliance
Personal Information
Work Permit: Authorized to work in the US for any employer
Timeline
Client Onboarding Specialist
UBS
04.2022 - Current
AML Analyst
Capco/UBS
01.2021 - Current
AML KYC Analyst
Raymond James Financial Services
05.2019 - 12.2020
Account Verification Specialist
Raymond James Bank
02.2019 - 05.2019
AML Analyst Financial Crimes Risk Management
The Bancorp
12.2017 - 10.2018
AML Analyst
CapcoCiti
10.2014 - 07.2017
Fraud Account Supervisor
Capital One
02.2012 - 10.2014
High School Diploma -
Leto High School
Associate of Arts -
Hillsborough Community College
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