Janet A Estudillo
Glendale,AZ
Summary
Seasoned AML Investigations Analyst with a 9 year background in managing and conducting thorough investigations related to Anti-Money Laundering (AML) issues and financial crimes. Known for leveraging analytical skills, regulatory knowledge, and investigative techniques to identify suspicious financial activities effectively. Demonstrated ability to deliver comprehensive reports that influence policy changes, improve compliance processes, and mitigate legal risks.
Overview
9
9
years of professional experience
Work History
BSA/AML Investigations Analyst
MUFG Bank
Tempe, AZ
12.2023 - Current
- Evaluated customer profiles against criteria to identify high-risk clients needing enhanced due diligence.
- Investigated suspicious activities and transactions to uncover potential money laundering operations.
- Analyzed financial data for patterns of suspicious activity, including large cash deposits and transfers.
- Reviewed customer identification documents for accuracy and completeness according to AML standards.
- Monitored transaction flows between customers, banks, countries, and other entities for anti-money laundering compliance.
- Performed periodic account reviews and filed SARs to ensure adherence to AML policies.
BSA/ AML Investigator
Wells Fargo
Tempe, AZ
08.2022 - 12.2023
- Prepared suspicious activity reports for BSA/AML management to ensure compliance.
- Analyzed complex investigations and delivered concise conclusions to management.
- Utilized transactional, customer records, and external data to identify unusual activities.
- Performed in-depth analyses to detect patterns and anomalies across transactions.
- Documented research findings to support risk-based decisions on escalated fraud incidents.
- Investigated fraud referrals and conducted research to minimize risks effectively.
- Identified significant cases and recommended measures to mitigate threats and vulnerabilities.
BSA/ AML Investigator
Wells Fargo
Tempe, AZ
08.2022 - 12.2023
- Prepared suspicious activity reports for BSA/AML management to ensure compliance.
- Analyzed complex investigations and delivered concise conclusions to management.
- Utilized transactional, customer records, and external data to identify unusual activities.
- Performed in-depth analyses to detect patterns and anomalies across transactions.
- Documented research findings to support risk-based decisions on escalated fraud incidents.
- Investigated fraud referrals and conducted research to minimize risks effectively.
- Identified significant cases and recommended measures to mitigate threats and vulnerabilities.
Financial Crimes Specialist 2
Wells Fargo
Phoenix, AZ
10.2017 - 08.2022
- Identified suspicious fraud patterns and vulnerabilities through analysis of large data sets using LexisNexis, SVP, Hogan, and other Wells Fargo systems.
- Researched moderate to complex account activity to determine potential sources of compromise and take appropriate action on suspect transactions.
- Compared customer handwriting and signatures against potential fraudulent checks.
- Analyzed results of complex investigations and delivered concise written conclusions to management.
- Reviewed compliance publications and engaged in training events to remain informed on regulatory developments.
Education
Associate of Science -
Maricopa Community Colleges - Phoenix College
Phoenix, AZSkills
- Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) compliance/ Law Enforcement/ Global Sanctions Knowledge
- Understanding of Banking Industry and Related Regulations and Laws
- Suspicious Activity Report (SAR) Filing
- Documentation and Research Proficiency
- Critical Thinking
- Enhanced Due Diligence Review
- Transaction Monitoring
- Excellent written and verbal communication skills
Timeline
BSA/AML Investigations Analyst
MUFG Bank
12.2023 - Current
BSA/ AML Investigator
Wells Fargo
08.2022 - 12.2023
BSA/ AML Investigator
Wells Fargo
08.2022 - 12.2023
Financial Crimes Specialist 2
Wells Fargo
10.2017 - 08.2022
Associate of Science -
Maricopa Community Colleges - Phoenix College