Gloria Avina
Golden State Bank
1
Language
18
years of professional experience
Seasoned Banking Professional with over 18 years of experience in identifying and investigating financial irregularities. Leverages in-depth knowledge of regulatory compliance to implement effective anti-money laundering protocols. Demonstrates strong analytical skills and attention to detail in uncovering and reporting illicit activities.
Work History
Promotion Senior BSA AML Analyst
8 Months- Review Alerts, Case Reviews with ability to make SAR or No SAR conclusions. Includes the ability to evaluate supporting documentation and translate into a narrative investigation.
- Identify patterns and trends consistent with money laundering and terrorist financing, and flag any suspicious activities detected with proper controls for escalation.
- Analyzing data and results of existing transaction monitoring reports and determining whether to apply enhanced due diligence and/or investigation is warranted.
- Perform timely investigations with well-reasoned and supported decision making and utilize a variety of internal bank systems and external research tools to investigate, research, and prepare documentation related to financial crime investigations.
- Investigate cases involving, but not limited to, cash structuring, transactions involving Bank designated High-Risk Countries (HRC), wire transfers, commercial loan payments, and reports from branches regarding customer activity.
- Perform Customer Due Diligence (CDD) including analysis review of anticipated vs actual activity and the ability to understand and evaluate industry specific transaction expectations.
- Conduct new accounts Know Your Customer (KYC) quality control reviews.
- Reviews and investigates any potential matches to the Fin Cen 314a list and OFAC alerts.
- Perform negative news searches, online searches, and subscription-based resources when conducting a customer’s activity review.
- Communicated and sent RFI to branch and department managers for clarification while researching and investigating cases.
- Gained proficiency in Patriot Officer and Jack Henry systems
BSA AML Analyst
2 Years 7 Months- Coordinated BSA Department training program to enhance compliance knowledge across the team.
- Performs daily review, monitoring, and analysis of various reports, logs, and transaction data to identify trends and unusual activity, and monitor large currency activity; determines if transactions are suspicious in nature, such as kiting, significant changes in balances, cash structuring in deposits, loan payments, and certificate of deposit purchases, wire or ACH transfers, monetary instrument sales, new account openings, etc.
- Assists in the preparation and submission of all Currency Transaction Reports (CTRs) within required timeframes.
- Maintains current knowledge of the Bank Secrecy Act and all related anti-money laundering and OFAC regulations.
- Performs AML screenings CDD reviews on new clients and prospects.
- Complete and review KYC, CDD, CIP for new clients and existing customers.
- Document findings by preparing clear reports for the BSA supervisor.
- Facilitated daily OFAC alert clearing and approved OFAC wires for compliance with regulations on prohibited and restricted countries.
- Assists with daily OFAC alert clearing and OFAC wire approvals for prohibited and restricted countries.
- Utilized FIS-IBS system for effective BSA management.
- FIS- IBS knowledge, BAM +, BSA manager.
BSA AML Specialist
1 Year 2 Months- Reviews and monitors accounts pertaining to the Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering Program, OFAC, and Customer Identification Program compliance using industry standard and regulatory guidance to ensure the Bank’s compliance efforts are maintained daily.
- Performs daily review, monitoring, and analysis of various reports, logs, and transaction data to identify trends and unusual activity, and monitor large currency activity; determines if transactions are suspicious in nature, such as kiting, significant changes in balances, cash structuring in deposits, loans payments, and certificate of deposit purchases, wire or ACH transfers, monetary instrument sales, new account openings, etc.
- Prepared and submitted all Currency Transaction Reports (CTRs) within required timeframes to ensure compliance with regulatory deadlines.
- Maintains current knowledge of the Bank Secrecy Act and all related anti-money laundering and OFAC regulations.
- Reviewed, monitored, and analyzed reports, logs, and transaction data daily to identify trends and unusual activities, determining suspicious transactions such as kiting, significant balance changes, and cash structuring.
- Complete and review KYC, CDD, CIP for new clients and existing customers.
- Document findings by preparing clear reports for the BSA supervisor and manager.
- Assists with daily OFAC alert clearing and OFAC wire approvals for prohibited and restricted countries.
- FIS- IBS knowledge, BAM +, BSA manager.
New account service associate
5 Years 4 Months- Review, Conducted customer identification procedures to verify client identities, Performed know your customer checks to assess client risk and Executed customer due diligence to evaluate client risk profiles information for new and existing clients
- Reviewed new accounts with complex requirements, ensuring compliance with bank policies and regulatory standards
- Conducted daily reviews of new account documentation, ensuring adherence to BSA/AML regulations and minimizing compliance risks
- Review, CIP, KYC and CDD information for new and existing clients
- Contacts internal personnel within departments and branches for missing documentation such as proper approvals
- Utilizes multiple bank systems such as IBS, SharePoint, Encore and Microsoft applications to complete daily tasks. Able to adapt to new applications
- Reviewed documents for DARS legal removal after account opening and removed non-compliant items.
- Experience with projects to help ensure team growth and enhance bank processing
Personal Banker
5 Years- Promoted from Teller to personal banker. Specialist in opening accounts, loans, credit card and HELOC applications
- Aided clients with complex inquiries and servicing personal and business accounts.
- Assisted clients with complex inquiries, enhancing service for personal and business accounts.
- Performed teller transaction approvals. Possessed management override
- Notified bank personnel of unusual activity during customer interactions, supporting compliance with BSA regulations.
- Provided operational integrity and made informed decisions to prevent bank fraud
- Executed daily outreach calls to clients to schedule future appointments. on customer list to set up future appointments. Completed daily trackers
- Assisted in balancing vault funds during end-of-day procedures., ATM balancing, opening and nightly closing procedures
Universal Teller
3 Years 5 Months- Processed daily teller transactions, ensuring high security to minimize risk of losses
- Conducted inquiries for account maintenance to address customer needs
- Reported unusual activity by submitting proper CTR and suspicious activity reports to prevent money laundering
- Reported unusual activity by submitting CTR and suspicious activity reports, contributing to anti-money laundering efforts
- Performed account maintenance inquiries
Education
Diploma
Skills
Enhanced due diligence processes
Suspicious activity reports
Microsoft Office Suite
Legal compliance research
Transaction monitoring systems
Customer due diligence processes
Know Your Customer compliance
Sanctions screening processes
Compliance analysis documentation
Regulatory reporting compliance
Risk assessment methodologies
Data analysis techniques
OFAC compliance
PEP screening
Languages
Spanish
Timeline
Promotion Senior BSA AML Analyst
Golden State Bank
12.2025 - CurrentRead More
BSA AML Analyst
Golden State Bank
05.2023 - 12.2025Read More
BSA AML Specialist
American Business Bank
02.2022 - 04.2023Read More
New account service associate
City National Bank
10.2016 - 02.2022Read More
Personal Banker
Citibank
09.2011 - 09.2016Read More
Universal Teller
Bank of America
04.2008 - 09.2011Read More
Huntington Park High School
Diploma
Read More