Jennifer Cordova
Pico Rivera,US
Summary
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth. My adaptability and regulatory knowledge drive efficient risk mitigation and operational excellence. Detail-oriented Compliance Officer dedicated to improving policies and procedures in all business areas. Hardworking and driven with quality-focused and proactive approach. Bringing 10+ years of experience in Banking industry.
Overview
11
11
years of professional experience
Work History
KYC Senior Officer
JPMorgan Chase
10.2023 - Current
- Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
- Manage client and partner expectations and understanding in a consultative way
- Exhibit ownership of KYC/AML experience and client experience
- Ensure KYC/AML deliverables are met and hold internal partners accountable
- Demonstrate ongoing understanding of KYC/AML processes and work through delays and/or inefficiencies
- Manage operational risk effectively through diligent awareness of risks in our processes
- Escalate appropriate risk items and drive issues to closure
- Manage client risk effectively by supporting the banker in client selection process
- Independently manage renewal cycle of Due Diligence Forms with Relationship Management Partnership
- Conducted periodic compliance audits and reviews to identify areas of improvement.
- Maintained composure in stressful situations, confrontations, interviews and records searches.
- Collected detailed notes on investigations and other communication to adhere to legal requirements and enhance recordkeeping.
- Evaluated and monitored supplier and partner relationships to support compliance.
- Maintained up-to-date knowledge of applicable laws and regulations.
- Accountable for timely portfolio management while maintaining quality expectations and escalate appropriate risk items and drive issues to closure
- Identified gaps in existing compliance processes and recommended updates.
- Developed risk assessment models to identify potential compliance risks.
Financial Intel Spec-Sanctions
City National Bank
01.2022 - 10.2023
- Researches, analyzes, and resolves alerts generated through various bank systems to resolve potential name or country matches involving OFAC sanctioned individuals, entities or countries.
- Reviewing OFAC wires through Money Transfer System (MTS)
- Gather information from outside resources such as Internet searches, third-party vendors, public records, newspaper articles, etc.
- Establishes and maintains documentation to support clearance of potential name or country matches as required by established procedures.
- Researches and prepares responses to inquiries received via SWIFT messaging from other financial institutions surrounding processed transactions.
- Understands and can make recommendations for appropriate action to take upon discovery of an actual match to any of the government watch lists.
- Bridger Insight Clearance and EVS report
- Clearing service messages and Easi Link Bill pay clearance
- Analyzes moderate- to high-risk accounts to determine operational and compliance risk; determine necessary documentation.
- Conducts follow-up with the account officer for any missing or necessary documentation.
- Reviews results from third-party vendors regarding authentication of identification on individuals and businesses, OFAC and government list, closed for cause, etc.
- Assist in the annual review of existing high-risk individual or entities.
- Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).
- Determine whether suspicious activity reports (SARs) should be filed based on case investigations.
- Analyzed financial statements, bank records, and government databases to identify fraud and other instances of financial crimes.
- Conducted preliminary investigations to confirm violations that occurred and obtained relevant documents and testimony from involved parties.
- Conducted interviews with suspects and filed reports of findings.
- Identified assets of suspects in order to freeze and seize assets.
- Assisted investigation and risk management teams with fraud investigations and risk identification.
- Conducted regular reviews of operations and identified areas for improvement.
Research Remediation Analyst Executive Office
Wells Fargo
02.2019 - 11.2021
- Investigated and resolved inquiries with billing and invoicing.
- Properly processed deposits, withdrawals and payments for average of 100 customers daily.
- Perform research to determine appropriate course of action to resolve concerns or complaints
- Assisting clients in bank remediation projects
- Managed time efficiently in order to complete all tasks within deadlines.
- Creating cases to assist clients with escalations
- Partner with other departments to ensure resolution
- Provide finale resolution using escalated permissions
- Knowledge and understanding policy, procedures within the bank
- Ensure identified risks and/or problems are clearly documented
- Creating freeform letters to send and respond to clients
National Business Banking Specialist
Wells Fargo
06.2017 - 02.2019
- Met with customers to assess needs and propose customized solutions.
- Generated business and acquired new customers through diverse promotional, outreach and networking strategies.
- Aid clients who fulfill online deposit applications
- Contacting assigned clients with in one hour of application being submitted for welcome calls
- Provide information as to what business and legal bank documents would be needed to open business accounts
- 10 or more icon applications assigned daily with multiple pages of clients to work with
- Collect business filling information and researching business and government websites
- Strong background recommending products and services based on customer need
- High volume of small business applications for deposit account
- Knowledgeable about business entity documents
Enhanced Due Diligence Specialist
Wells Fargo
10.2015 - 06.2017
- Review and analyze due diligence data from a variety of sources to determine overall risk
- Escalates confirmed sanctions alerts, PEP matches and other risks
- Perform non-documentary customer identification program (CIP) / Patriot acts on domestic and international customers in accordance with regulations and bank policy
- Understanding of BSA Corporate Policy with an emphasis on regulatory compliance in OFAC/PEP/Global Sanction reporting.
- Handles a large volume of credit investigations within the service level agreements established for each line of business
- Conducts decisions and provides results based on utilizing all resources and tools available independent judgment required in handling investigations of this complex nature.
- Reviewing new account for high-risk customers
- Performing ongoing account reviews for existing high-risk customers
- Obtaining, analyzing, reviewing, and verifying customer information for high-risk persons and business entities
- Researching on customers' business activity & nature of business, ownership structure, controlling interests & beneficial ownership, anticipated/actual volume & transaction types
- Investigating reports of potential elder abuse and financial exploitation and report to the appropriate state authorities (when applicable)
- Providing sufficient analysis to write suspicious activity reports (SARs)
- Completing follow-up reviews on activity that was previously reported as suspicious
- Identifying trends in money laundering and terrorist financing activity and report to management
Estates Research & Adjustments Rep
Bank of America
08.2014 - 10.2015
- Developed and maintained positive customer relations and coordinated with team members to properly handle requests and questions.
- Learned and followed all organizational policies and procedures to maintain safe and professional working environments.
- Handled customer complaints quickly and professionally to restore customer confidence and prevent loss of business.
- Research in deposit accounts, Consumer Cards, & business Credit Cards
- Ability to handle large call volume in addition to maneuvering through several computer systems at once
- Ability to resolve routine and complex customer issues
- Displaying empathy to the contacting person in a call center environment
- Reviewing/ researching multiple legal documents
- Ability to handle multiple bank computer systems
- Filling UARs for deceased customers
- Investigation research for fraud risks
Customer Service Representative (Credit Cards)
Bank of America
05.2013 - 08.2014
- Responded to customer requests for products, services, and company information.
- Investigated and resolved customer inquiries and complaints quickly.
- Followed-through on all critical inter-departmental escalations to increase customer retention rates.
- Credit card payments /reward programs
- Online banking issues
- Account research
- Fraud risk review
- Results driven and achievement focused
- Engage customers through questions and explanation of products
- Responsible for marketing and selling balance transfers and direct deposit options to customers/Make decisions
- Identifies resolves and discovers root causes through research and analysis to provide solutions to basic and moderately complex requests in a timely manner with error free quality
- Interacts continuously and deepens relationships with internal business partners as well as clients to further enhance client delight. May have in person client engagement and presentation responsibilities
Education
High School Diploma -
El Rancho High School
Pico Rivera, CA06.2012
Skills
- Procedure Implementation
- Transaction monitoring
- Account Maintenance
- Risk Management
- Auditing processes
- Compliance reviews
- Document Review
- Audit management
- Compliance Monitoring
- Federal and state regulations
- Investigations skills
- Adobe Acrobat
- Regulatory knowledge
- Due diligence
- Regulatory understanding
- Financial transactions expertise
- Financial knowledge
- Flexible and Adaptable
- Task Prioritization
- Friendly, Positive Attitude
Additional Information
System Expertise: Proficient in computer systems such as EXCEL Pivot Tables; Microsoft word, Power point, Lean, BOSS/FAST, UCRS, TSYS, Image view, First, LexisNexis, SOS, Westlaw, COPS, ALACRA, Microsoft outlook, Microsoft Excel, EITS, MTS, Bridger, world check, IBS, EVS, World check, Salesforce; Actimize; KYC Site; BSA data store; IBS; COLT, Party Central, FinCEN, CompanyIQ
Timeline
KYC Senior Officer
JPMorgan Chase
10.2023 - Current
Financial Intel Spec-Sanctions
City National Bank
01.2022 - 10.2023
Research Remediation Analyst Executive Office
Wells Fargo
02.2019 - 11.2021
National Business Banking Specialist
Wells Fargo
06.2017 - 02.2019
Enhanced Due Diligence Specialist
Wells Fargo
10.2015 - 06.2017
Estates Research & Adjustments Rep
Bank of America
08.2014 - 10.2015
Customer Service Representative (Credit Cards)
Bank of America
05.2013 - 08.2014
High School Diploma -
El Rancho High School
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