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Jose Espinoza
AML/BSA
San Antonio,Texas
Work Preference
Summary
Results-driven BSA/AML analyst with proven expertise in financial crime prevention and compliance. Specializes in digital currency transaction monitoring, KYC due diligence, and regulatory reporting. Collaborates effectively with IT and compliance teams to enhance automated monitoring systems, ensuring strict adherence to BSA and OFAC regulations.
Overview
2
2
Languages
1
1
Certification
25
25
years of professional experience
Work History
Analyst P2 (Financial Crime Risk Service)
Guidehouse
San Antonio, TX
07.2024 - Current
- Executed compliance and regulatory investigations for digital currency transactions on leading exchange platform.
- Conducted transaction monitoring investigations, systematically reviewing alerts and analyzing complex digital asset activity for AML/BSA adherence.
- Performed due diligence research on high-risk cryptocurrency transactions, examining KYC documentation for behavioral anomalies.
- Collaborated cross-functionally with financial crime risk service line and QA teams to uphold accuracy and best practices.
- Utilized advanced investigative tools, including JIRA and Google Workspace, for data extraction and case management.
- Drafted comprehensive audit-ready narratives to support regulatory compliance reporting and filing obligations.
AML Investigator
Trelant
San Antonio, TX
10.2023 - 07.2024
- Conducted thorough investigations into individuals and entities flagged as potential risks due to adverse media coverage or Politically Exposed Persons (PEPs), ensuring comprehensive risk assessment and compliance.
- Leveraged specialized research databases and investigative tools to gather intelligence, assess threat exposure, and differentiate false positives from true matches in AML screening workflows.
- Validated true positive alerts through in-depth analysis, gathering corroborating evidentiary documentation to substantiate investigative findings.
- Efficiently managed a high-volume caseload, reviewing between 80 and 200 items per day while adhering to stringent compliance deadlines and quality standards.
- Maintained meticulous case records and prepared comprehensive reports for internal leadership and regulatory bodies, facilitating informed decision-making and adherence to AML frameworks.
Owner & Tax Preparer
JLE Professional Tax Services, LLC
San Antonio, TX
05.2013 - 04.2024
- Prepared and filed 200+ accurate income tax returns annually for small businesses and individuals, ensuring full compliance with federal and state regulations.
- Conducted in-depth financial reviews, auditing income statements, expense ledgers, and historical filings to develop effective tax preparation strategies and maximize legal deductions.
- Ensured full regulatory compliance and client confidentiality while providing personalized advisory services and accurately calculating liability obligations.
BSA AML OFAC Screening Senior Specialist
BBVA USA
San Antonio, TX
02.2010 - 05.2022
- Investigated and dispositioned 50 sanctions and PEP alert items weekly via Firco Continuity, ensuring compliance with regulatory requirements.
- Investigated and dispositioned approximately 50 sanctions and PEP alert items weekly generated via Firco Continuity.
- Conducted due diligence using research platforms including LexisNexis, Thomson Reuters CLEAR, and third-party databases to support accurate risk assessments.
- Collaborated with IT during the deployment of Firco Continuity Fircosoft/AML software, establishing operating procedures to transition BSA/AML monitoring from manual to automated processes.
Senior AML Sanctions Specialist - LOB
PNC
San Antonio, TX
03.2002 - 05.2022
- Oversaw sanctions screening for 100+ daily customer transactions, accounts, and cross-border wires to mitigate OFAC and sanctions exposure.
- Conducted complex investigations on sanctions and PEP hits from automated alert software, ensuring compliance across commercial and retail business lines.
- Reviewed 50 alerts daily from Firco Continuity, providing authoritative second-tier approvals for escalation cases to enhance risk mitigation.
- Generated and submitted compliance reports to regulatory authorities and executive management, detailing screening outcomes and identifying suspicious activities.
Financial Sales Advisor
Compass Bank
San Antonio, TX
05.2013 - 11.2013
- Delivered comprehensive client profiling and financial needs analyses to recommend tailored banking and credit solutions, generating $500,000 in new revenue and earning the Pinnacle Award for outstanding performance.
- Managed a dedicated portfolio of 200 consumer accounts and optimized branch P&L scheduling and sales strategies, increasing branch profitability by 10%.
- Guided clients on investment options and financial products, enhancing their understanding and decision-making.
- Developed personalized financial plans aligning with client needs, fostering long-term relationships.
- Conducted market research to identify emerging trends and opportunities, informing strategic recommendations.
Senior Branch Associate
Compass Bank
02.2010 - 05.2013
Teller Supervisor
San Antonio National Bank
08.2008 - 02.2010
Teller Supervisor
Laredo National Bank
03.2002 - 08.2008
Education
Bachelor of Business Administration - Management Information Systems (MIS)
Texas A&M International University
Laredo, TX01-2012
Skills
- AML compliance
- Cryptocurrency Compliance
- KYC compliance
- Data analysis
- Transaction monitoring
- Regulatory compliance
- Compliance & Regulatory
- Regulatory Reporting
- Investigation & Analysis
- Regulatory investigation
- Investigative Tooling
- Firco Continuity / Fircosoft
- LexisNexis & Thomson Reuters CLEAR
- JIRA & Investigative Platforms
- Quality Assurance & Escalations
- Data analysis
- Risk assessment
- Risk analysis
- Risk mitigation
- KYC documentation
- Data integrity verification
- Trend & Typology Identification
- Financial crime investigations
- Fraud Detection
- Google Workspace & Microsoft Office
- Cross-functional collaboration
- Cross-Functional Collaboration
- Problem solving
- Critical thinking
- Information gathering
- Effective communication
- Decision-making
- Fraud Detection
- Decision-making
Certification
Association of Certified Sanctions Specialists (ACSS), Certified Charter Member OFAC Essentials Certificate Course, 2019
AREAS OF EXPERTISE & TECHNICAL SKILLS
Languages: Fully Bilingual in English and Spanish (Written and Verbal)
Languages
English
Professional
Spanish
Professional
Timeline
Analyst P2 (Financial Crime Risk Service)
Guidehouse
07.2024 - Current
AML Investigator
Trelant
10.2023 - 07.2024
Owner & Tax Preparer
JLE Professional Tax Services, LLC
05.2013 - 04.2024
Financial Sales Advisor
Compass Bank
05.2013 - 11.2013
BSA AML OFAC Screening Senior Specialist
BBVA USA
02.2010 - 05.2022
Senior Branch Associate
Compass Bank
02.2010 - 05.2013
Teller Supervisor
San Antonio National Bank
08.2008 - 02.2010
Senior AML Sanctions Specialist - LOB
PNC
03.2002 - 05.2022
Teller Supervisor
Laredo National Bank
03.2002 - 08.2008
Bachelor of Business Administration - Management Information Systems (MIS)
Texas A&M International University