Gregoria Johnson

• Perform quality assurance functions to include validating Suspicious Activity Reporting (STR) forms against internal documentation and supporting evidence for accuracy prior to filing with FinCen.

• Ensure transaction monitoring cases are appropriately made, clearly documented, and fully supported • Provide feedback and recommendations to analysts conducting transaction monitoring

• Review complex case typologies to include Account Takeover (ATO), Stolen Financial Instruments (SFI), gambling, and other unusual transactions

• Provide insight into quality assurance processes to improve efficiency

• Reviewed customer due diligence documents and ensured compliance with relevant AML regulations.
• Conducted financial investigations to identify suspicious transactions and activities.
• Identified gaps in existing AML processes and proposed solutions to address them.

• *Maintained QC rate of 92% or better *Weekly Completion Goal of 20 cases.

• Performed AML alert/case reviews, mitigate risks associated with financial crimes and suspicious activity.

• Applied research and analytic techniques to digest complex information sets to make logical and adequately supported determinations in regard to unusual and potentially suspicious activity.

• Conducted end-to-end and meticulous review of potentially illegal or suspicious activity.

• Completed time-sensitive and meticulous analysis of each instance of potential Money Laundering activity and/or suspicious financial activity potentially across multiple jurisdictions and countries.

• Reviewed and analyzed customer transactions for suspicious activity in accordance with AML regulations.
• Collaborated with internal and external stakeholders to identify potential risks associated with client accounts.

• Assessed customer profiles and client data to identify whether the activity was consistent with expected transactional activity.

• Documented findings in narrative style format, in a transaction monitoring case management system and prepared updates to Project Managers / Team Leads.

• Made determinations and drafted potential SAR filings.

• Conducted investigations of suspected or known criminal activity; included acts of fraud directed at the company and members.

• Documented investigations in the Enterprise Financial Crimes Case Management system and made recommendations for prevention of subsequent similar occurrences.

• Reviewed transaction data to detect fraudulent patterns and trends in support of the investigative process activities.

• Maintained detailed records regarding investigations, including evidence collected and investigative techniques used.
• Identified patterns of suspicious activity across multiple accounts or transactions.

• Prepared Suspicious Activity Reports SAR in compliance with established regulatory guidelines and time frames.

• Established and maintained effective relationships with various business partners and provided advice regarding fraud prevention and other loss prevention topics in order to become a trusted advisor.

• Maintained liaison with law enforcement agencies and other institutions to ensure the corporation was informed of all relevant potential risks.

• Worked with in-house counsel, as well as collections, to aggressively pursue restitution for losses.

• Broad fraud experience in multiple areas of fraud including but not limited to new account fraud, deposit fraud, ID theft, debit card fraud, ACH fraud, credit card fraud, online fraud, loans and lines of credit, and check fraud and non-fraud.

• Identified and detected transactional and relationship patterns, trends and anomalies or schemes across multiple businesses and products that were possible Bank Secrecy Act (BSA) violations and/or application misrepresentation by reviewing personal line and loan documents and underwriting using MASK.

• Reviewed and responded to incoming identity theft credit bureau disputes and internal referrals to either close the item, or send it on for a full investigation.

• Made decisions on acceptance or denial of claims by gathering information to verify the account ownership.

• Partnered with internal fraud investigations to conduct research related to bankers reported of sales conduct violations in regards to the opening of personal line and loan accounts.

• Reviewed and documented customer relationships that were targeted for exit due to account abuse.

• Assisted AMLI/EFI and internal investigations in filing Suspicious Activity Reports.

• Assessed internal controls and procedures associated with assigned cases, identified control breakdowns and made recommendations to prevent future fraud losses.

• Collaborated with QA to work on projects and initiatives, assisted in the assessment and implementation of internal policies and procedures to ensure compliance with laws and regulations.

• Reviewed, verified, and/or identified customer transactions to detect/ prevent financial crimes activities, policy violations, and suspicious situations in order to mitigate and/or recover losses.

• Check deposit review.

• Outbound call to the customer to verify check deposit amount and date.

• Monitored moderate to complex account activity; required research that involve multiple transaction channels.

• Used a variety of sources for information, including online systems and tools/models

• Documented research findings and actions on cases for possible referrals for Suspicious Activity, Identity Theft Operations (ITO), and Suspected Financial Abuse.

• Contacted customers and/or vendors to validate transactions.

• Prepared required documentation including Suspicious Activity Reports

• Identified control failures in bank processes, procedures, customer or team member decisions and categorized losses and assigned loss accountability.

• Promoted to CSR 2 by maintaining a level 4 banker for three consecutive months

• Self-efficient and motivated to complete all tasks in an accurate and timely manner

• Effectively assisted customers with fraud claims and check deposit claims.

• Assisted and kept peers up to date with bank regulations/compliance, policies, and procedures

• Intently listened to comprehend and resolve complex issues with co-works and customers

• Utilized ability to navigate multiple ECIC search tools to find information

• Efficiently assisted customers with troubleshooting Online and Mobile application