Jennilyn Megia
Richmond,CA
Summary
Financial crimes specialist with 15 years of experience in banking operations, risk management, and KYC/AML oversight. Skilled in identifying transactional irregularities, recognizing out-of-pattern behavior, and implementing robust compliance measures to mitigate financial crime risk. Proven ability to optimize operational processes, strengthen control frameworks, and support scalable, cross-functional workflows. Currently pursuing an MBA in Project Management, with a focus on risk management and operational efficiency.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Treasury Sales Associate Commercial Bank
JP Morgan Chase Bank
San Francisco, CA
03.2023 - Current
- Provided operational and risk support to Treasury Management Officers by managing multiple pipelines and developing prioritized daily plans.
- Reviewed account analysis statements and cash-flow activities to identify inconsistencies and emerging risks across client portfolios.
- Conducted risk-based reviews of onboarding documentation and treasury setups to ensure regulatory compliance and detect financial crime indicators.
- Collaborated with Implementation, Service, Risk, and Product teams to enhance workflows and strengthen operational controls.
- Communicated complex findings to Treasury Management Officers and stakeholders, ensuring clarity while meeting compliance standards.
- Performed data validations of pricing, billing, and treasury product configurations to maintain accuracy and prevent operational defects.
Private Client Service Senior Specialist III
JP Morgan Chase Bank NA
San Francisco, CA
08.2021 - 03.2025
- Served as key escalation point during First Republic Bank acquisition, supporting high-risk clients with strict AML and fraud adherence.
- Managed large case pipeline for identity verification and payment reviews under strict SLAs.
- Identified suspicious behavior and transaction anomalies, escalating to Fraud and AML partners per risk thresholds.
- Developed training resources and workflow updates, reducing operational defects and enhancing compliance.
- Collaborated with program managers and risk partners to address recurring issues and implement sustainable operational solutions.
Residential Mortgage Closer
First Republic Bank
San Francisco, CA
08.2021 - 10.2023
- Executed thorough verification of borrower documents to identify inconsistencies and elevated-risk scenarios before funding.
- Collaborated with funding and wire teams to ensure timely release of funds, reducing financial exposure.
- Investigated documentation discrepancies and resolved issues swiftly to maintain compliance and mitigate fraud risk.
- Assisted processing teams during peak periods by verifying documentation accuracy and reviewing data integrity.
Quality Control Specialist Assistant Manager
First Republic Bank
San Francisco, California
07.2017 - 08.2021
- Earned CAMS certification and led team of seven Quality Control Specialists in auditing accounts across Northern California.
- Conducted investigations using transactional analysis and behavioral patterns to evaluate client KYC profile alignment.
- Utilized resources to identify out-of-pattern behaviors, including velocity anomalies and shell-entity risks.
- Ensured compliance of onboarding and monitoring documentation, validating identity and expected activity ranges.
- Filed SARs as necessary and drafted proposals for client exits based on financial crime exposure trends.
- Developed investigative summaries detailing risk rationale and recommended actions for AML escalation.
- Identified documentation gaps and presented insights to senior leadership for fraud prevention enhancement.
- Fostered investigative culture within QC team, coaching on anomaly detection and escalation judgment.
Registered Personal Banker 2
Wells Fargo National Bank
San Francisco, CA
04.2016 - 07.2017
- Monitored account activity for anomalies and unauthorized behavior, escalating suspicious trends in alignment with AML and fraud protocols.
- Processed high-volume wire and ACH transactions with exceptional accuracy, ensuring adherence to operational and regulatory controls.
- Strengthened client relationships while maintaining compliance with identity verification and risk-based decision-making requirements.
Business Developer
Ethos Lending, LLC
San Francisco, CA
07.2015 - 04.2016
- Reviewed broker submissions and loan documentation for accuracy, escalating findings as necessary.
- Managed a fast-paced pipeline while conducting due diligence to ensure information integrity.
- Delivered training sessions that enhanced documentation quality for new brokers, improving operational accuracy.
Registered Relationship Banker
JP Morgan Chase Bank
San Francisco, CA
05.2014 - 07.2015
- Obtained Series 6 and 63 licenses, recommending investment and banking products while ensuring compliance.
- Identified and escalated unusual client behavior and risks during account servicing and consultations.
- Guided clients on digital banking tools, ensuring process alignment with policy and KYC expectations.
Personal Banker
Wells Fargo National Bank
Pinole, CA
06.2009 - 05.2014
- Analyzed transaction logs to investigate Regulation E disputes, identifying unauthorized activity and preparing reimbursement documentation.
- Supported teller operations by adhering to operational controls, verifying identities, and following regulatory guidelines.
- Provided financial consultations while monitoring for out-of-pattern activity and escalating risks appropriately.
Education
MBA - Project Management
Southern New Hampshire University
Manchester, NH01.2026
Bachelor of Arts - Communications
San Francisco State University
San Francisco, CA06.2015
Skills
- Financial crime detection and prevention
- KYC and AML compliance
- OFAC regulations
- Transaction monitoring
- Risk assessment and management
- Pattern recognition techniques
- Workflow optimization
- Regulatory compliance oversight
- Operational controls implementation
- Treasury operations management
- ACH and wire transfers
- Zero balance accounts (ZBA)
- Cross-functional collaboration
Certification
Anti-Money Laundering Specialist Certification (Previously Certified)
Timeline
Treasury Sales Associate Commercial Bank
JP Morgan Chase Bank
03.2023 - Current
Private Client Service Senior Specialist III
JP Morgan Chase Bank NA
08.2021 - 03.2025
Residential Mortgage Closer
First Republic Bank
08.2021 - 10.2023
Quality Control Specialist Assistant Manager
First Republic Bank
07.2017 - 08.2021
Registered Personal Banker 2
Wells Fargo National Bank
04.2016 - 07.2017
Business Developer
Ethos Lending, LLC
07.2015 - 04.2016
Registered Relationship Banker
JP Morgan Chase Bank
05.2014 - 07.2015
Personal Banker
Wells Fargo National Bank
06.2009 - 05.2014
MBA - Project Management
Southern New Hampshire University
Bachelor of Arts - Communications
San Francisco State University