Gwyneth John

Duties/Responsibilities:

Transaction Monitoring and Investigations:

• Conduct daily transaction monitoring to identify suspicious activities indicative of fraud or money laundering/terrorist financing.
• Utilize transaction monitoring software to screen transactions against internal and government-issued sanctions lists.
• Investigate flagged transactions by gathering and analyzing relevant customer information and activity.
• Conduct fraud investigations, analyze suspicious activities, and create cases for regulatory review utilizing tools like Verafin, Lexis Nexis, and SQL for fraud detection and analysis.
• Prepare comprehensive reports documenting investigation findings and rationale for decisions.

SAR Filing:

• Draft and file Suspicious Activity Reports (SARs) to FinCEN in accordance with regulatory guidelines.
• Articulate red flags and suspicious activity patterns within the SAR narrative.
• Maintain a detailed record of all SAR filings and related documentation.
• Liaise with law enforcement when necessary to provide additional information on suspicious activities.

Compliance and Controls:

• Maintain a thorough understanding of Anti-Money Laundering (AML), Know Your Customer (KYC), and Fraud prevention regulations.
• Stay up to date on emerging trends and typologies in fraud, money laundering, and terrorist financing.
• Collaborate with internal teams (compliance, operations) to ensure effective implementation of AML/Fraud controls.
• Collaborate with cross-functional teams to improve fraud detection and prevention processes to further ensure effective implementation of AML/Fraud controls
• Escalate high-risk scenarios to the appropriate teams for further investigation.

Duties/Responsibilities:

• Undertook customer due diligence checks to ensure adherence to the Firm’s Anti-Money Laundering policies, procedures, and regulatory framework (such as AML/KYC regulations, etc.).
• Conducted PEP, sanctions, adverse media screening and escalated any areas of concern to Legal and Compliance.
• Drafted and filed Suspicious Activity Reports (SARs) in accordance with FinCEN guidelines, ensuring detailed and accurate reporting
• Worked closely with key stakeholders (Business, Financial Crime, Compliance, Legal, Operations, Middle Office) in a fast-paced environment to ensure seamless front-to-back onboarding and assist with establishing new client relationships to facilitate deal investments.
• Investigated alerts generated by AML systems, including Verafin and Actimize, and escalated high-risk cases for further review
• Assisted with identifying, defining, and implementing process efficiencies.
• Performed all necessary regulatory checks to facilitate the opening of new client accounts.

Duties/Responsibilities:

• Investigated and processed Affidavits of Forgery pertaining to check fraud cases.
• Assisted with Monitoring and approval of Mobile Deposit Capture items
• Served as a backup for Overdraft Services in accordance Mastercard operating Regulations and also reviewed ATM image software for fraud.
• Acted as a subject matter expert in fraud and disputes.
• Conducted fraud investigations and case creations in accordance with the Fraud Department Procedures for potential regulatory review.
• Served as a back-up for ATM/Debit card dispute processing in accordance with MasterCard Operating Regulations

Duties/Responsibilities:

• Monitored real-time transaction queues and decision incidents effectively
• Screened customer accounts against government-issued sanctions lists (OFAC) and conducted PEP and adverse media screening
• Utilized applications tools and analytics to detect, monitor, control and mitigate current and potential fraud threats
• Assisted in identifying process improvement opportunities and methods for streamlining processes
• Maintained up-to-date knowledge of KYC/fraud trends and techniques
• Experienced working with Visa, ACH, Check payments and chargebacks
• Developed ability to adapt to change in a fast-paced environment and make judgmental business decisions with minimal need for managerial support
• Developed strong technical skills and knowledge of common rules such as Adverse Action notices, The Bank Secrecy Act, USA PATRIOT ACT, etc.
• Assigned responsibilities built knowledge of relevant regulations and compliance requirements pertaining to financial fraud prevention, such as Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.