Josette Sanacore
Senior Anti-Money Laundering Analyst
Fort Myers,FL
Summary
Highly analytical and detail-oriented Senior Anti-Money Laundering Analyst with over 15 years of experience in financial crime compliance, transaction monitoring, and regulatory reporting. Proven track record in detecting suspicious activity, mitigating risks, and ensuring compliance with AML regulations such as the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC, and FATF guidelines. Recognized for strong investigative ability, data-driven decision-making, and collaboration across compliance, audit, and law enforcement teams.
Overview
22
22
years of professional experience
Work History
Senior Fraud Investigator - AML Analyst
PWC/USAA
Remote, MD
01.2024 - 11.2024
- Oversaw transactions, suspicious activity reporting, and customer due diligence processes to ensure timely and accurate identification of financial crimes.
- Conducted quality reviews on credit cards, consumer loans and auto loans, to identify potential fraud and AML risks.
- Performed routine reviews of third-party merchant activity to ensure quality of data.
- Compiled and analyzed transaction data to create spreadsheets, charts, and reports used for fraud detection and AML compliance reviews. Identified anomalies in credit card transactions, such as unusual purchasing patterns and out-of-country transactions, to escalate potentially fraudulent activity for further investigation.
- Identify data anomalies and red flags related to money laundering, terrorist financing, fraud, and sanctions violations, escalating cases for second-level review as appropriate.
- Supported data risk oversight by ensuring the accuracy and integrity of financial crime data used for risk assessments and reporting.
- Prepared detailed due diligence reports and transactions for signs of money laundering and other financial crimes.
- SAR filing with FINCEN and AML investigations and worked alerts within Actimize.
- Utilized AML metrics to identify high-risk customers, perform risk assessments, ensure compliance with regulatory requirements, leveraging an analytical approach to detect financial crimes.
- Monitored and reviewed cases using AML dashboards within Actimize and OFSA to track suspicious activity, enhance case management, and support fraud investigations.
Detect & Investigations Quality Senior Analyst
PNC Bank
Pittsburg, PA
01.2022 - 07.2023
- Perform AML screening and EDD/CDD reviews on customers in accordance with the bank’s policies and procedures. Detect Quality Control (QC) Quality Assurance (QA) experience.
- Facilitated communication between departments to ensure compliance with requirements, aligning with business and customer risk profiles.
- Developed and delivered training sessions that are accurate, appropriate and clearly documented to ensure all teammates understand financial crimes and risk
- Compliance & Regulatory knowledge: Deep understanding of FATF,OFAC and other regulations
- Transaction Monitoring Expertise in identifying and investigations suspicious activity transactions.
- KYC & KYB: Experience in Know Your Customer (KYC) and Know Your Business (KYB) processes, ensure compliance with anti-money laundering (AML) policies.
- Customer Due Diligence (CDD) skilled in performing CDD reviews to assess risk and detect red flags.
- Internal Controls & Procedures Ability to establish and monitor internal controls ensuring adherence to financial policies and standards.
AML EFCC Analyst FIU
US Bank
Charlotte, NC
08.2015 - 01.2022
- Developed and utilized spreadsheets, charts and graphs to support financial crime investigations and SAR filings.
- Conducted ongoing monitoring and analysis of client transactions and activities to identify potential money laundering and suspicious activities.
- Conducted pilot assessments to test and identify and mitigate financial crimes risks, ensuring effective controls are in place and continuously improved. Perform extensive investigations related to transaction monitoring and customer due diligence that could implicate potential money laundering, fraud, or terrorist financing
- Investigated commercial lending, personal loans, and credit card transactions for suspicious activity, ensuring compliance with regulatory standards.
- Prepare and document triage investigations and their dispositions according to FINCEN/FFIEC expectations and Bank Procedures
- Broker dealer transaction monitoring for suspicious transactions.
- Conducted reviews of customer account activity to determine risk assessments to identify any money laundering or other illicit activities occurred in customer accounts.
Compliance Officer/ Trading Assistant
New York Stock Exchange Kellogg Group
New York , New York
01.2003 - 01.2012
- Support special surveillance committee activities.
- Compile lists of procedures to meet NYSE and FINRA regulations.
- Serve as a liaison between market makers and the on-floor surveillance team.
- Perform analysis of high-risk accounts, including enhanced due diligence.
Education
Bachelor of Science - Criminal Justice
Long Island University
CW Post Brookville NY05.1991
Skills
- Suspicious Activity Report (SAR) Filing
- Transaction Monitoring & Case Investigation
- Sanctions Screening (OFAC, PEP)
- Regulatory Reporting & Auditing
- Risk Management & Mitigation
- Data Analytics (Excel, SQL, SAS, Tableau)
- Process Improvement & Workflow Automation
- Actimize
Timeline
Senior Fraud Investigator - AML Analyst
PWC/USAA
01.2024 - 11.2024
Detect & Investigations Quality Senior Analyst
PNC Bank
01.2022 - 07.2023
AML EFCC Analyst FIU
US Bank
08.2015 - 01.2022
Compliance Officer/ Trading Assistant
New York Stock Exchange Kellogg Group
01.2003 - 01.2012
Bachelor of Science - Criminal Justice
Long Island University