JoAnn Goggins
Jemison,AL
Summary
Dynamic BSA/AML professional with extensive experience at Regions Bank, excelling in risk assessment and regulatory compliance. Proven ability to evaluate complex data patterns and lead teams to enhance investigation accuracy. Skilled in case management and fostering collaboration, ensuring adherence to governance standards while mitigating financial crimes effectively.
Overview
18
18
years of professional experience
Work History
Financial Crimes BSA/AML Investigations Secondary Review Lead, AVP
Regions Bank
Birmingham, AL
09.2025 - Current
- Works to proactively identify complex schemes and transactional patterns and collaborates with management to ensure an appropriate escalation of exceptional risks and emerging trends
- Reviews BSA/AML/OFAC Investigations cases against our procedural requirements to ensure our processes remain within Regions risk appetite
- Documented and provided feedback to investigators on case quality and associate performance, enhancing investigation accuracy
- Consults with senior management as subject matter expert regarding critical or high priority concerns, trends, and associate performance issues
- Collaborated with key stakeholders to prepare and deliver reports to relevant financial government authorities, ensuring compliance and transparency
- Maintained documentation in case management systems to ensure accuracy
- Supported training initiatives to enhance associates' competencies in quality standards
- Supported senior management in team knowledge and skill-set development, identifying trends and training opportunities to strengthen investigative capabilities
BSA/AML Suspicious Activity Report (SAR) Filing Analyst, AVP
Regions Bank
Birmingham, AL
10.2022 - 09.2025
- Ensures compliance with approved policies and procedures related to BSA/AML including case documentation.
- Managed caseload effectively, ensuring adherence to internal and Federal SLA requirements.
- Ensure all cases (non-suspicious and suspicious) are conducted in accordance with internal policies, legal requirements, and industry standards.
- Recognized and analyzed moderately complex financial investigations to enhance compliance efforts.
- Assessed account status to ensure effective recommendations for closure.
- Collaborated with law enforcement, legal teams, and other stakeholders.
- Led projects that streamlined workflow and improved process efficiency in BSA/AML operations.
Technical Support Representative, Advanced
Jack Henry & Associates
Birmingham, AL
06.2016 - 10.2022
- Resolved system issues, enhancing departmental collaboration and workflow.
- Evaluated and responded to incoming sales leads and technical support requests, ensuring timely assistance.
- Collaborated with supervisors to escalate and address customer inquiries or technical issues.
- Conducted in-depth product and issue resolution research to address customer concerns.
- Resolved escalated issues by serving as subject matter expert on wide-ranging issues.
- Translated complex technical issues into digestible language for non-technical users.
- Monitored systems in operation and input commands to troubleshoot areas.
- SQL query development: Utilized SQL to extract, analyze, and interpret large datasets for errors in processing, fraud patterns, trends, and anomalies within the software.
- Assisted customers with inquiries on BSA, fraud, and SAR processes, facilitating compliance and understanding.
Due Diligence Analyst
Cadence Bank
Birmingham, AL
10.2014 - 06.2016
- Completed detailed analysis to detect patterns, trends, anomalies and schemes in transactions and relationships across multiple businesses and products.
- Identified and analyzed patterns, trends, and anomalies in transactional and customer data to mitigate risks of money laundering and terrorist financing.
- Ensured compliance with BSA/AML related laws and regulations and identified matters of noncompliance, then escalated them for resolution.
- Collaborated with compliance representatives to ensure adherence to regulations. to assess potential unusual activity.
- Conducted risk-based analysis and implemented remediation strategies for business and consumer accounts in accordance with banking guidelines.
- Used transactional and customer records, external data, and publicly available information to identify suspicious or unusual activity.
- Identified unusual or possibly suspicious activity and directed that information to the SAR mailbox.
- Communicated negative findings to lines of business, providing actionable guidance for remediation.
- Researched and verified parties involved in suspicious activities and transactions against various databases such as LexisNexis and World-Check.
Loss Mitigation Processing Specialist I
Regions Bank
Birmingham, AL
07.2008 - 10.2014
- Remained updated with latest information related to mortgage products and services being offered.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Assessed clients' financial data to determine loan suitability.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Explained property liquidation options to customers facing financial challenges, helping them make informed decisions. with customers.
- Provided reinstatement and payoff quotes to clients.
- Assisted with short sales and deed in lieu processes.
- Monitored pipelines to track and log status of loans.
Education
Associate of Applied Science - Accounting
Jefferson State Community College
Birmingham, ALSkills
- BSA/AML/OFAC experience in Governance, Internal Audit, and Risk Assessment experience
- Regulatory compliance
- BSA/AML/OFAC governance
- Ability to evaluate information, identify patterns, and draw logical conclusions based on evidence and available information
- Regulatory compliance
- Team leadership
- Information evaluation skills
- Networking knowledge to an intermediate level
- Risk mitigation strategies
- Information validity assessment
- Case management
Timeline
Financial Crimes BSA/AML Investigations Secondary Review Lead, AVP
Regions Bank
09.2025 - Current
BSA/AML Suspicious Activity Report (SAR) Filing Analyst, AVP
Regions Bank
10.2022 - 09.2025
Technical Support Representative, Advanced
Jack Henry & Associates
06.2016 - 10.2022
Due Diligence Analyst
Cadence Bank
10.2014 - 06.2016
Loss Mitigation Processing Specialist I
Regions Bank
07.2008 - 10.2014
Associate of Applied Science - Accounting
Jefferson State Community College