HAMDIYA MOHAMMED
Houston
Summary
AML/Fraud Investigator with 8+ years protecting financial institutions through KYC/CDD/EDD, PEP and adverse media screening, OFAC/sanctions screening, and ongoing transaction monitoring. Leads end-to-end investigations-from alert triage and forensic analysis to SAR drafting and regulator-ready narratives-across wires, ACH, card, and cross-border activity. Skilled with Actimize, SAS, LexisNexis, Documentum and internal platforms to detect patterns, assess risk, and recommend controls. Known for exceeding quality and productivity benchmarks, clear stakeholder communication, and driving improvements to procedures and tools.
Overview
8
8
years of professional experience
Work History
AML Investigator
PNC BANK
Newark
01.2023 - 11.2025
- Developed and implemented risk-based monitoring systems to ensure compliance with AML laws and regulations.
- Developed and implemented a risk-based AML program that identified and addressed areas of high risk.
- Conducted reviews of customer profiles and transactions to ensure compliance with AML regulations.
- Conducted end-to-end AML investigations using transaction monitoring alerts to identify suspicious activity.
- Reviewed customer profiles, transaction patterns, and supporting documentation to assess money laundering risk.
- Prepared and filed Suspicious Activity Reports (SARs) in accordance with BSA and regulatory guidelines.
- Performed KYC, CDD, and EDD reviews for individual and corporate customers.
- Investigated alerts related to structuring, wire fraud, sanctions violations, and terrorist financing.
- Used AML systems and tools (e.g., Actimize, NICE, Oracle Mantas, World-Check) to document findings.
AML/FRAUD Analyst
Stanbic Bank Ghana Headquarters
07.2017 - 12.2022
- Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.
- Monitored and contacted customers to verify the authenticity of Visa transactions to curb fraud.
- Assisted in conducting risk assessments and reviews of client processes to identify gaps in internal controls, compliance, and fraud prevention frameworks.
- Observed customer transactions to identify fraudulent activity such as Account takeover, Friendly fraud, Identity theft, and similar other risks using tools such as Clas, Finacle, Agent Connect, Flex cube.
- Recommended new software tools and enhancements to improve fraud detection, prevention, and reporting efforts.
- Analyzed potentially suspicious financial activity and filed SAR (Suspicious Activity Report) when risk cannot be mitigated.
- Ensured necessary actions/corrections are made to the accounts to resolve disputes, complaints, and inquiries.
- Transaction monitoring of international and domestic wires, POS, ACH, and Monetary instruments.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Conducted thorough customer and enhanced due diligence research using company's resources and other resources to determine whether AML risk exists.
- Met and exceeded both productivity and quality benchmarks.
- Communicated findings, status, open issues, and other AML-related items to management regularly.
- Liaised with management to ensure compliance with internal policies and external regulations.
- Led teams in implementing banking operations projects, reducing operational risk.
Education
Masters - Management Information System & MBA
Lamar University College
Beaumont, TXBSc - Business Administration
Central University College
GhanaSkills
- Investigation
- Compliance strength
- Banking regulations
- Team player
- KYC
- Problem-Solving
- Risk management
- Fraud detection
- MS Office
- Project management
- Multitasking Abilities
- SAR drafting
- Data Analysis
- Due diligence
- Flexible and Adaptable
- Effective communication
Websites
Timeline
AML Investigator
PNC BANK
01.2023 - 11.2025
AML/FRAUD Analyst
Stanbic Bank Ghana Headquarters
07.2017 - 12.2022
Masters - Management Information System & MBA
Lamar University College
BSc - Business Administration
Central University College