Imaobong Ukpong
Lewisville,Texas
Summary
A self-motivated and reliable professional, seeking opportunity that will allow me utilize my experience in Risk mitigation controls, with sound background in Anti-Money Laundering, Fraud investigations, Quality Control & Assurance, Transaction Monitoring, CTR, SQL, Digital Currency transaction, SAR Writing, CAR -90 Day Review, KYC, CDD, EDD, Sanction Screening and Regulatory Filling with 14years of proven experience in the Financial Crime Management Intelligence Unit to the best of my abilities to improve organizational objectives and actualize managerial goals and targets.
CERTIFICATIONS
CAMS - CERTIFIED
CFE - CERTIFIED
Overview
13
13
years of professional experience
Work History
BSA/AML Compliance Analyst
Greendot (Remote)
Lewisville, Texas
10.2023 - Current
- Analyze data and results of existing transaction monitoring reports and determine whether to apply enhanced due diligence and/or investigation is warranted. Take appropriate action with cardholders and account holders, as well as others using Institution financial platforms, based on analysis of overall card/accountholder and SSN activity.
- Ensure AML/KYC processes are performed in line with regulatory and internal requirements by ensuring accurate SAR narratives.
- Perform anti-money laundering risk identification/prevention functions through transaction monitoring alert reviews, account/transaction reviews, and forensic research, while documenting results in the firm’s case management system to ensure compliance with recordkeeping requirements and quality of case records.
- Analyzing financial documents and statements to identify suspicious patterns.
- Collaborating with other AML teams including (FSIP) Fraud/Senior Investor Protection and (KYC) Know Your Customer by helping identify cases of suspected financial exploitation and adverse news.
- Prepare and filing suspicious activity reports within BSA and SAR regulatory standards and timelines
- Provide regular reporting to management on alert and case volume, SAR’s, threats, trends, and ad-hoc projects
KYC / Fraud Specialist
MUFG Union Bank
Lewisville, Texas
05.2022 - 10.2023
- Determined existing fraud trends by analyzing accounts and transaction patterns and be responsible for fraud review, research, and follow-through of deposits in all channels.
- Perform detailed analysis on depository accounts that appear to have activity that would support suspicions of deposit fraud or counterfeit check activity and provide detailed documentary evidence to support findings
- Handle complex fraud issues with high quality investigations using SQL and Excel.
- Liaise with Law Enforcement and other Financial Institutions
- Reviews client profile information from internal tool, take screenshot and decisions if data and/or documentation satisfies KYC requirements.
- Verifying Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) information using tools like Lexis Nexis, Clear, worldcheck and other internal resources.
- Process and analyze Electronic Funds Transfer (EFT) customer fraud claims according to regulatory guidelines.
- Identify and mitigate safe deposit box fraud (faked identity) by verifying clients information's and matching records.
- Analyze and identify links between fraudulent transactions to identify and stop fraud rings and apply control point analysis such as holds / funds availability, risk scoring to account.
- Prepare Requests for Information (RFIs) and coordinating with Account Officers / Operations to solicit responses
- Prepared, documented and assembled evidence to file eqar, Write and file a SAR.
- Review Wires transfers In/Out, Deluxe checks, fraudulent check in trips and Digital Currencies to make decision.
- Made recommendations for closing accounts and performed associated follow-up.
BSA(AML) /Fraud Analyst
Charles Schwab
Dallas, TX
12.2021 - 04.2022
- Ensure effective AML compliance by monitoring, tracking and identifying suspicious activities and trends through various systems/applications.
- Investigate, research, examine, and report complex financial crime transactions, policy violation, Suspicious Activity, Red Flags and Negative Media reports according to AML/BSA and KYC policies.
- Conduct quality evaluation for accuracy, compliance and consistent evaluation of internal processes.
- Analyze fraud alerts and account activity for potential fraudulent activity.
- Conduct thorough investigations and research on flagged accounts evading CTR.
- Make recommendations for risk-based actions in cases of potential fraud and Collaborate with other departments during investigations.
- Ensure QA review is performed by identifying, analyzing and reviewing complex issues by interpreting data, trends and determining appropriate corrective actions
- Maintain detailed records of their analysis, investigations, and reporting, which may be requested by regulatory authorities during audits or investigations.
- Write suspicious activity reports addressing (CTR) alerts, sanctions alerts, and other applicable AML/BSA process.
- Specialized in multiple fraud scenarios such as Account Take-over, Device compromise, ACH, Debit and Credit Card Fraud, Synthetic fraud, Account Owner Fraud, Wire, Check fraud, Scam victims, Elder abuse etc.
- Vested with indepth Knowledge of the laws applicable to Money Laundering, Bank Secrecy Act, US PATRIOT Act, US Treasury AML guidelines, FINCEN and OFAC requirement.
KYC/AML Compliance Analyst
Bank of America
Dallas, Texas
11.2017 - 11.2021
- Investigated customer activities and trends that implicated potential money laundering or terrorist financing.
- Analyze alerted transaction related to corespondent bank client activity to ascertain wether the activity is suspicious.
- Perform enhance due diligence of high risk customers, SDN and entities using Lexis Nexis in accordance with AML policies
- Interfaced with bankers to obtain information related to client's transaction activity. (RFI)
- Provide guidance support and recommendations to business lines regarding customer AML RISK RATING & account activity
- Thoroughly and timely reviewed reports and other investigative leads that potentially identify suspicious activity.
- Applied logic reasoning and sound decision-making skills to recommend SAR filings.
- Conducted periodic internal account or customer reviews to identify potentially suspicious activity.
- Performs consistent client follow-up and communication on KYC tasks to ensure any outstanding obligations are completed and satisfied within designated timeframes.
AML/KYC/Fraud Specialist
Fidelity Bank Plc
Lagos, Nigeria
11.2010 - 06.2016
- Review and analyze leads for potential Suspicious Activity and Reg flags, such as structuring, activity burst, round dollar amount according to AML policies.
- Monitor and analyze clients transaction and information in a timely manner to determine unusual transaction in account and draft SAR Narrative.
- Reviewed customers documents and KYC information to verify with account activity to ensure accurate risk level have been assigned to the specific accounts held in the customer's name.
- Conducted reviews of flagged transactions and reports that showed potential suspicious (AML) anti-money laundering activities.
- Identify various and fraud trends by analyzing accounts and transaction patterns.
- Worked on different fraud typologies such as ID Theft, ACH, Debit and Credit Card fraud, Check / Deposit account Fraud, eCommerce payment Fraud, Synthetic Fraud, Device Compromise. Account Take Over, Elderly Financial Abuse, Scam Victims, Digital Currency and Chargeback etc.
- Interactions with external customers, department colleagues and both internal and external business partners.
- Demonstrate baseline knowledge of KYC and financial crimes risks and the prevention and mitigation processes and controls.
- Support the team in developing new investigative methods or process improvements
Education
Bachelor of Science - Business Administration and Management
University of Calabar
Nigeria08.2010
Skills
- Risk management
- Fraud Detection/Prevention & Investigation
- Information Verification / Sanction Screening
- KYC / CDD /EDD /Transaction Monitoring
- Worldcheck/ Lexis Nexis / Clear/ Google
- Case Mgt System - Actimize- Xceed/ Verafin/ ECM/ Trips/ SAS/
- Tools - Netquery/ Rumba / Flash/ Epic/Partner Care / Splunk/ Salesforce / Onenote/ Bridger/ / File-Net/ Verient
- Microsoft 360 /Excel / SQL/Pivot table / Tableau
- SAR Writing and Filing / CTRs Filing
- CAR - 90 Day Review
- Fincen SAR guidelines / OFAC website
- Quality Control & Assurance
- Bank Secrecy Act -BSA
References
References available upon request.
Timeline
BSA/AML Compliance Analyst
Greendot (Remote)
10.2023 - Current
KYC / Fraud Specialist
MUFG Union Bank
05.2022 - 10.2023
BSA(AML) /Fraud Analyst
Charles Schwab
12.2021 - 04.2022
KYC/AML Compliance Analyst
Bank of America
11.2017 - 11.2021
AML/KYC/Fraud Specialist
Fidelity Bank Plc
11.2010 - 06.2016
Bachelor of Science - Business Administration and Management
University of Calabar
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