JOEL N. LUCAS
Saint Augustine,FL
Summary
AML Investigative professional with 20+ years of military/private sector work experience. Motivated self-starter, capable of effectively functioning with minimum supervision. Experienced in KYC, On-boarding, Refresh, USA Patriot Act and SARs reporting. Recognized for taking initiative and skilled at meeting challenges and deadlines. Ability to be flexible in a dynamic environment and can adapt to situational changes with ease and fluidity. Displays exemplary leadership qualities and management skills to concurrently direct multiple investigations and bring them to a successful completion. Currently seeking a challenging career which highlights my talents in researching, investigating, and communicating.
Overview
25
25
years of professional experience
2
2
Professional Certifications
Work History
FCRM Investigator
GTT, LLC
Jacksonville, FL
05.2025 - 10.2025
- Conducts thorough analysis, risk assessment and investigation of referred/assigned cases.
- Conducts research, apply new methodologies for analyzing digital evidence to reduce the risk of exposure to TD Bank and make a recommendation for either the filing of Suspicious Activity Reports (SAR) or No Further Activity (NFA).
- Provide support in preparation for review, interviews for financial crime cases and ensure proper documentation is obtained for evidence purposes.
- Use sound methodologies to collect, preserve, and analyze digital evidence.
- Work with internal partners/external parties for effective detection and investigation purposes.
- Prepare and deliver AML, Sanctions/ABAC and Financial Crime or fraud detection/loss prevention seminars to internal areas of the Bank.
- Maintain a good understanding and awareness of emerging AML, OFAC Sanctions/ABAC trends, cyber technologies, and new criminal techniques.
- Apply strong knowledge of bank procedures, products, and systems to assist investigators in analyzing situations, gathering information, and required documentation and case preparation.
- Conduct sound investigations and provide AML and Sanctions/ABAC support and recommendations.
- (TD Bank Project)
AML QA Senior Consultant
KPMG
Orlando, FL
04.2024 - 04.2025
- Conducted/reviewed comprehensive AML investigations which included analyzing retail/brokerage transaction information, reviewing customer data, researching open source and media checks, and based on this research, made a recommendation for the filing of Suspicious Activity Reports (SAR) based on activity related to structuring, Online Child Sexual Abuse, Elder/Child Exploitation, Terrorism Financing or Drug Trafficking.
- Reviewed cases worked by Analyst team for thorough analysis and accuracy.
- Provided timely and accurate feedback to Analysts on case errors or inaccurate analysis.
- Ensured case investigation documentation is sufficient and accurate e.g., case notes were detailed, and decisions/recommendations were well supported.
- Reviewed SAR form narratives for completeness and accuracy and made necessary edits as needed to ensure daily production of case reviews and quality goals were met.
- (Bank of America Project)
Senior EDD Wealth Management Team Lead
IBM
New York, NY
08.2023 - 04.2024
- Provides daily operational services in support of the growth of Wealth Management and US Banks business partners within the business to include Private Bankers, Lending Advisors, and Branch Risk Officers to ensure appropriate client on-boarding Due Diligence processes and procedures are being followed.
- Demonstrates a strong understanding of the compliance and regulatory frameworks that apply to financial institutions.
- Leads a team of 5 senior analysts responsible for the appropriate collection of required documents and information to perform Enhanced Due Diligence (EDD) on new and existing High Net Worth (HNW) clients to effectively support the firm’s KYC Know Your Customer (KYC) program.
- Examining the Source of Wealth (SOW) for certain new and existing Morgan Stanley clients.
- Review documents and information to perform the client’s due diligence on High-Risk clients for quality prior to internal QA review.
- Balances multiple-changing priorities in a fast-paced working environment.
- Responsible for the daily incoming EDD case assignments to team members while meeting required deadlines.
- (Morgan Stanley Project)
Senior KYC QC Manager/ Financial Crimes Risk Manager (Cryptocurrency KYC/EDD)
Genpact, LLC
Jacksonville, FL
05.2021 - 01.2023
- Successfully managed two separate teams which consisted of 22 QC analysts performing cryptocurrency risk analysis reviews & mitigation across the operations platform for the client’s geographic area (Europe, North America).
- Utilized internal and external investigation technologies and research techniques to document findings summarized by detailed narratives and when necessary, escalated for SAR (Suspicious Activity Report) review in accordance with documented procedures.
- Conducted daily/weekly team meetings with leadership and direct reports to address updates, policies/procedures & QC feedback.
- Trained, coached & mentored newly on-boarded agents through a rigorous 3-month accreditation process with 100% certification rate, ensuing the job expectation such as strong production & quality scores were met or exceeded.
- Assisted the region-specific Operations, Compliance & Legal teams to proactively identify, assess and document risks, while continually conducting regular Enhanced Due Diligence (EDD)/KYC risk reviews for the High-Risk customer population.
- Instrumental in creating, updating, and maintaining Standard Operating Procedures (SOPs) & Workflow (WFs) diagrams to assist teams, management & operating line of business (LOB).
- Tracked and investigated unusual account transaction activity for possible money laundering or criminal/terrorist financing by conducting periodic document analysis and customer outreach and requests for information (RFIs).
- Managed and conducted Quality Reviews for the analysis & remediation of the Cryptocurrency, EDD/KYC Program.
AML Risk Associate-Anti Financial Crime
Deutsche Bank Trust Company Americas (DBTCA)
Jacksonville, FL
04.2018 - 05.2021
- Accountable for protecting the bank from financial and reputational losses incurred due to financial crimes by assessing, controlling, and mitigating risks.
- Responsible for conducting comprehensive investigations on Deutsche Bank’s global correspondent banking clients to detect activity indicative of money laundering, OFAC Sanctions violations or other financial crimes.
- Utilized internal and external investigation technologies to analyze and document fraudulent activity related to correspondence banking; drafted written narratives outlining in detail the results and as appropriate, escalated to SARS team in accordance with documented procedures.
- Advise appropriate solutions to potential fraud activity.
- Understand and recognize new fraud techniques and trends.
- Actively collaborates with colleagues on specialized projects and financial process improvements.
- Track and investigate unusual account/transaction activity for money laundering or criminal/terrorist funding.
- Protect top secret bank information to prevent accidental exposure.
- Inhibit abuse of bank products and services through risk-based monitoring.
Senior AML Risk Consultant-Advisory
Price Waterhouse Coopers (PwC)
Columbia, SC
04.2017 - 04.2018
- Conducted AML Investigations in customer on-boarding procedures, including CIP, CDD and EDD related to suspicious activity by leveraging transaction monitoring solutions and OFAC/Sanctions and screening.
- Utilizes AML/BSA and OFAC Laws/Regulations in a business environment.
- Familiarity with the requirements of the FFIEC BSA/AML Examination Manual; Knowledge of common AML topologies, operations, processes, and bank-related products/services.
- Investigates potential suspicious activity by leveraging transaction monitoring solutions and OFAC/Sanctions screening programs.
- Exhibits attention to detail in executing and reviewing work products to establish the highest quality deliverables in the allotted timeframe; Integration and synthesis of information and multiple sources, including business domain knowledge, in order to analyze complex data and results, anticipate issues and solve problems.
- Investigated potential suspicious activity through client monitoring and auditing systems while emphasizing the management of internal risk assessments and investigations; Management of multiple work streams and project teams to execute against existing projects and work plans.
- Assisted on projects conducting Quality Assurance (QA) reviews for the Sanctions Compliance team of dispositioned cases and transactions for compliance with established policies and procedures.
- Analyzed SWIFT, FED Wires, and CHIPS for potential financial fraud.
Fraud Investigative Unit Analyst-AML/KYC/CDD
Citibank
Fort Mill, SC
01.2017 - 04.2017
- Executed investigations based on Client On-boarding; Maintenance; Transaction Monitoring referrals; Government sources and referrals from business partners and other control areas.
- Responsible for filing SARs and recommend relationship retention or termination, and track account closures as required.
- Collaborate with the AML Partners (AML Advisory, RPM, CSIS, AML Legal Counsel, and Law Enforcement throughout the duration of an investigation.
- Reviewed search results and submit reports to Fin CEN, resolve matches identified during on-boarding and maintenance processes.
- Execute investigations based on: Client On-boarding and Maintenance and Transaction monitoring referrals Government sources (e.g., subpoenas, NSLs, 314(a)) Referrals from business partners and other control areas.
- Prepare case files for review (e.g., media search results, copies of statements/check, results from internal system searches.
- Liaised with CSIS and provided oversight of CSIS investigators dedicated to AML.
- File SARs and recommend relationship retention or termination, and track account closures as required.
- Perform SAR maintenance and quality assessments.
- Served as point of contact on matters that impact an investigation or involve law enforcement contacts.
- (Princeton Information Contract)
Sr. Operations Analyst (Markets)
Bank of America
Charlotte, NC
08.2016 - 01.2017
- Responsible for providing overly complex financial analysis in support of management decision-making for a business unit and corporate staff.
- Conducted high level Know-Your-Customer (KYC) refresh investigations for the onboarding of clients and ongoing monitoring of clients.
- Performed in-depth research of financial, operating and/or economic data and analyzing; interprets and reports findings via Suspicious Activity Reports (SARs); worked with the various lines of business and its partners to collect financial data; performed high-level analysis; tests for accuracy; identified and resolves complex problems; performed most complex variance and trend analyses.
- Communicated and provided guidance to business partners regarding relevant financial policies; creates monitoring systems or models to predict financial trends and outcomes.
- Recommended business strategies or approaches by providing input to business strategic plans based on various analyses; led projects and provides guidance to less experienced staff.
- Conducted client due diligence (CDD) and enhanced due diligence (EDD) in accordance with internal policies, procedures and regulatory guidelines.
Platoon SGT/Communications Chief/Equal Opportunity Advisor/Security Crisis Manager
United States Army
Fort Bragg, NC
01.1983 - 04.2003
- Communications Equipment Installation Team Chief for a 22-member team responsible for the construction, modification, and upgrade of 116 Sensitive Compartmented Information Facilities (SCIF's) throughout the United States, Europe and the Middle East.
- Controlled and deployed emergency teams as NCOIC of Fort Benjamin Harrison, IN Emergency Operations Center (EOC). Responsible for responding to natural disasters such as forest fires, tornadoes, flood conditions and hurricanes on a 24-hour basis.
- Quickly established temporary facilities to replace areas with considerable damage to critical infrastructure.
- Developed, implemented, and monitored Operations Security (OPSEC) and protection of proprietary information plans; as the Crisis Management Coordinator on the facility's Crisis Management Team; performed security violation investigations and filed subsequent reports.
- Directed the operations of security forces responsible for the interior defense of Camp Doha, Kuwait, and the escort/protection of visiting dignitaries.
- Carried out basic security audits of fixed infrastructure locations, evaluated the results and produced detailed written reports for higher headquarters.
- Selected as Area Range Control Officer.
Education
MBA - International Finance
Colorado Technical University
10.2025
Bachelor of Science - Criminal Justice Administration
University of Phoenix
12.2008
Sanctions Specialized Training - Foundational Training for FCRM Investigators
TD Bank
07.2025
Trade Finance Anti-Financial Crime Detection and Red Flags Training - undefined
TD Bank
05.2025
Counter-Terrorism Proliferation Financing and Tax Evasion - Anti-Financial Crime
Deutsche Bank
01.2020
Veterans Career Transition Program (VCTP) - Project Management Professional (PMP) Certification Course
Syracuse University
Skills
- Fraud Investigations
- AML/BSA/KYC/Patriot Act knowledge
- OFAC Sanctions Screening
- Risk Management
- Project Management
- SARs Report Writing
- Loan/Credit Investigations
- Background Investigations
- PEP Screening/Sanctions & Embargoes
Primary Residence
234 Latrobe Avenue, Saint Augustine, FL, 32095
Secondary Residence
55205 Blane Drive, Temple Terrace, FL, 33661
Government Clearance
Inactive Government Top Secret (SCI)
Personal Information
Title: Compliance investigator/AML fraud analyst
Timeline
FCRM Investigator
GTT, LLC
05.2025 - 10.2025
AML QA Senior Consultant
KPMG
04.2024 - 04.2025
Senior EDD Wealth Management Team Lead
IBM
08.2023 - 04.2024
Senior KYC QC Manager/ Financial Crimes Risk Manager (Cryptocurrency KYC/EDD)
Genpact, LLC
05.2021 - 01.2023
AML Risk Associate-Anti Financial Crime
Deutsche Bank Trust Company Americas (DBTCA)
04.2018 - 05.2021
Senior AML Risk Consultant-Advisory
Price Waterhouse Coopers (PwC)
04.2017 - 04.2018
Fraud Investigative Unit Analyst-AML/KYC/CDD
Citibank
01.2017 - 04.2017
Sr. Operations Analyst (Markets)
Bank of America
08.2016 - 01.2017
Platoon SGT/Communications Chief/Equal Opportunity Advisor/Security Crisis Manager
United States Army
01.1983 - 04.2003
MBA - International Finance
Colorado Technical University
Bachelor of Science - Criminal Justice Administration
University of Phoenix
Sanctions Specialized Training - Foundational Training for FCRM Investigators
TD Bank
Trade Finance Anti-Financial Crime Detection and Red Flags Training - undefined
TD Bank
Counter-Terrorism Proliferation Financing and Tax Evasion - Anti-Financial Crime
Deutsche Bank
Veterans Career Transition Program (VCTP) - Project Management Professional (PMP) Certification Course
Syracuse University