Jefferson Martinez, CFE
AML/Investigations Analyst
Virginia beach,VA
Summary
Experienced Financial Crimes professional with a demonstrated history of working in the Financial Services industry and providing consulting to regional bank through multi year engagements with PriceWaterHouseCoopers. Skilled in Anti-Money Laundering (AML), Fraud investigations, Risk Management, and Regulatory Compliance. Strong Fintech professional with a Bachelor’s Degree in Finance from Florida International University.
Overview
9
9
years of professional experience
1
1
Certification
Work History
AML Detections Analyst
PwC
12.2022 - 06.2025
- Reviewed cases worked by Analyst team for thorough analysis and accuracy
- Provided feedback to Analysts on case errors or inaccurate analysis, ensuring case investigation documentation is sufficient and accurate e.g., case notes are detailed, and decisions/recommendations are well supported.
- Ad hoc projects: conducted remediation reviews/look backs on previously dispositioned alerts, ensuring alerts were dispositioned correctly, customer involvement was correctly dispositioned as victim or suspect or NDI (No Direct Involvement).
- Partnered with analytics team and reviewed high risk customers suspected of dispute abuse activities. Created substantial evidence of dispute abuse and made final recommendations to the Executive Director on whether to discontinue the relationship.
L2 Investigations Analyst
PwC
07.2022 - 12.2022
- Conducted in-depth analysis of financial transactions, customer accounts, and user behavior to identify patterns indicative of fraud or suspicious activities.
- Drafted SAR reports and submit to FinCEN, law enforcement and other appropriate authorities that warrant continued activity and meets referral threshold.
- Utilized advanced fraud detection tools and software to monitor and detect potentially fraudulent activities in real-time, ensuring timely interventions and mitigating risks.
- Collaborated with cross-functional teams, including risk management, compliance, and law enforcement agencies, to investigate and resolve complex fraud cases.
- Conducted thorough research on emerging fraud trends and best practices to enhance the organization's fraud prevention strategies.
- Provided regular reports and presentations to management, outlining key findings, trends, and recommended actions to strengthen fraud prevention measures.
- Assisted in designing and optimizing fraud prevention rules and parameters to adapt to changing fraud patterns and improve detection rates.
- Acted as a subject matter expert, offering training and support to colleagues on fraud prevention techniques and tools.
- Conducted in-depth analysis of financial transactions, customer accounts, and user behavior to identify patterns indicative of fraud or suspicious activities.
Detections Analyst
PwC Contract
06.2021 - 07.2022
- Monitored transaction alerts and conducted periodic reviews of customer accounts to ensure BSA/AML compliance.
- Prepared detailed narratives and maintained accurate/detailed records of findings and actions taken during each alert reviewed.
- Provided end-to-end suspicious activity investigations and referring activity that was out pattern from member’s day-to-day behavior.
Junior Underwriter
Whetstone Holdings, Inc
11.2016 - 10.2017
- Collaborated with the Director of Underwriting, analyzing income taxes and financial statements to determine eligibility for funding.
- Mitigated risk by disqualifying over 100 applications daily after analyzing business account statement of deposits and landlord verifications.
- Communicated with senior underwriters with $1 million plus deals, requiring in depth verification, background checks, credit checks, and reference checks.
Relationship Manager
Bank of America
01.2016 - 10.2016
- Followed safe and timely underwriting practices and overall leadership of Bank of America credit standings, by interacting closely with mortgage loan officers, small business bankers and financial solutions advisor.
- Managed new clients with opening checking, savings, certificate of deposits, initiated wire transfers up to $3 million dollars, while creating new client relationships and cross-selling for new business opportunities.
- Created banking relationships with preferred clients, focusing on client retention and analyzing credit worthiness for loan products, while mitigating risk.
Education
BBA - Finance
Florida International University
Miami, FL12.2020
Skills
- Microsoft office: Access, Excel, Word, Powerpoint, Teams
- Database management with SQL Server
- Systems: SharePoint, SAP, Fidelity, Ecams, Bankdce, Talon, Portal, Sessions, FDR, Glassbox, Gridspace, Fraud Detection systems: Nice Actimize, CLEAR, Citrix, Lexis Nexis, Experian
- Microsoft office: Access, Excel, Word, Powerpoint, Teams
- Data research and validation
- Project management
- Compliance analysis
- Evidence-based decision making
- Audit support
Certification
Certified Fraud Examiner, Credential ID 991749, Association of Certified Fraud Examiners.
Languages
English & Spanish.
Timeline
AML Detections Analyst
PwC
12.2022 - 06.2025
L2 Investigations Analyst
PwC
07.2022 - 12.2022
Detections Analyst
PwC Contract
06.2021 - 07.2022
Junior Underwriter
Whetstone Holdings, Inc
11.2016 - 10.2017
Relationship Manager
Bank of America
01.2016 - 10.2016
BBA - Finance
Florida International University
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