JONATHAN MARTINS
Miami
Summary
As an AML associate, I possess a robust understanding of confidential procedures and regulatory best practices, underpinned by a sound knowledge base. My expertise extends to a comprehensive understanding of Compliance screens in the context of AML/BSA and Sanctions Compliance. With an analytical mindset, I excel in identifying intricate ownership structures and applying pertinent confidential or AML procedures. My proficiency includes conducting in-depth investigations into potential suspicious activities, where I meticulously document clients' relationships with account holders and gather additional information from diverse sources as necessary. Additionally, I specialize in transaction monitoring of clients' highest-risk customers.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Senior AML Analyst
Morgan Stanley
04.2025 - Current
- Partnered with fraud manager to research and investigate cases.
- Maintained fraud analysis models to improve company systems.
- Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
- Read fraud and security risk management-related articles and white papers and took part in webinars to keep abreast of changes in fraud and security landscape.
- Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents.
Enhanced Due Diligence Analyst
StoneX
11.2021 - 07.2024
- Reviewing and disposition alert escalations (Name screening for negative news, PEPs, and potential sanctions hits)
- Conducting Enhanced Due Diligence on complex accounts and higher risk customers
- Disposition transaction monitoring alerts, regulatory reporting activities, and handling regulatory requests.
- Preparing a memo of findings and assessment (Develop EDD and CDD templates with Unit)
- Work with AML Unit/Mgmt. To assess existing Business As Usual (BAU) KYC/EDD functions and develop solutions to improve processes where needed
- Promote a stronger KYC control environment ensuring processes meet policy requirements
- Assess new client onboarding gaps and implement process enhancements to improve client onboarding experience (i.e., Factoring in client, front office, operations, and regulatory integrity)
- Work with Unit to develop quality review/quality control standards for onboarding to apply on new client and refresh cases
- Investigated, analyzed, and executed various tasks, including creating initial reports/analysis for review and managing customer exits resulting from transactional reviews.
Quality Assurance Analyst
Citi Private Bank
04.2016 - 01.2021
- Ensured accurate, high-quality investigations which conformed to internal procedures and regulatory requirements
- Identified and evaluated accounts for evidence of AML activity using system generated reports, client onboarding, transaction monitoring, and currency transaction report (CTR) filings
- Performed 150+ quality control reviews monthly with less than 3% error margin
- Used root cause analysis to identify trends and recommend solutions
- Interpreted case transactions for high-risk AML concerns such as; OFAC, sanctions, and terrorist financing
- Deciphered high risk attributes to include geographical, transactional, SPFs, and money service businesses
KYC Profiler
Citi Private Bank
04.2015 - 04.2016
- Consistently met and exceeded targets and objectives in line with timelines dictated by senior management
- Researched, analyzed and evaluated required KYC information on business banking clients
- Served as ongoing departmental mentor to less tenured employees; assisted team members with career and personal development, provided guidance related to work assignments and helped navigate organizational change
- Reviewed all negative data and escalated it to its proper channels to minimize risk in the onboarding process of new clients, as well as keeping track of current clients
- Worked to a less than 5% rejection rate resulting in a 25% reduction of client onboarding time
Education
Business Administration -
Miami Dade College
01.2022
High School Diploma - undefined
Dr. Michael M. Krop Senior High School
01.2009
Skills
- Procedure Optimization
- Regulation Enforcement
- Training and mentoring
- Investigation Leadership
- Risk Mitigation
- Compliance Review
- Transaction monitoring
- Quality assurance reviews
Certification
ACAMS Certified
Languages
Spanish
Portuguese
Timeline
Senior AML Analyst
Morgan Stanley
04.2025 - Current
Enhanced Due Diligence Analyst
StoneX
11.2021 - 07.2024
Quality Assurance Analyst
Citi Private Bank
04.2016 - 01.2021
KYC Profiler
Citi Private Bank
04.2015 - 04.2016
High School Diploma - undefined
Dr. Michael M. Krop Senior High School
Business Administration -
Miami Dade College