Joshua Apeku
Crowley,Texas
Summary
An AML Analyst with more than 4 years of experience in Compliance data and structures at all levels. Passionate about exceeding the standard level of quality to enforce the laws and regulations that protect consumers and keep institutions sound. I am actively seeking a new role as an Advanced AML Analyst and Risk Analyst. Overall, my strong analytical, communication, and problem-solving skills, combined with my extensive AML experience, make me a valuable asset to any organization looking to strengthen its AML program.
Overview
10
10
years of professional experience
Work History
AML Compliance Analyst
Madison Davis/Cross Riverbank
11.2023 - Current
- Evaluate and monitor transactional activity assess potential suspicious activity (e.g
- Money laundering)
- Perform transaction monitoring alert reviews and sanctions hit reviews in order to identify what requires further investigation
- Interpret and implement client operating policies regarding financial data
- Identify data anomalies and red flags for money laundering, terrorist financing, fraud, sanctions violations, and escalate for second level review
- Research, draft, and file Suspicious Activity Report (SAR) to enforcement networks, and document decisions not to file a SAR exercising independent judgment and discretion while handling sensitive cases
- Execute account maintenance updates and process client life cycle related reports
- Ensure that client vetting data and document processing complies with all regulations, guidelines, standards, and policies for all new accounts.
Anti-Money Laundering/Fraud Analyst
Collabera Inc/Bank of America
07.2021 - 10.2023
- Analyzed large volumes of financial data to identify potential money laundering activities
- Monitor and assess transactional activities to detect potential suspicious behavior, such as money laundering
- Review alerts generated by transaction monitoring systems and screenings for sanctions hits to determine if further investigation is necessary
- Interpret and enforce client operational policies related to financial data management
- Identify irregularities and warning signs indicating money laundering, terrorist financing, fraud, or sanctions breaches, and escalate for further review as needed
- Prepare, compose, and submit Suspicious Activity Reports (SARs) to relevant enforcement agencies, and document decisions not to file SARs with careful consideration and discretion, especially in sensitive cases
- Handle account maintenance updates and process reports related to client lifecycle management
- Ensure compliance with all regulatory requirements, guidelines, and internal policies regarding client vetting data and document processing for new accounts.
Senior Fraud Analyst
Fiserv
03.2019 - 06.2021
- Performed analysis and chargeback input for a queue of clients: reviewed and processed dispute/fraud claims in a timely and accurate manner in support of the department's Service Level Agreements
- Responded to inquiries from internal and external clients regarding chargeback requirements system processing and functionality, dispute lifecycle, claim status and data input
- Maintained strong working knowledge of all internal and network processing systems and software
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
Finance Clerk & Lease Maturity Advisor
Mercedes Benz Financial Services
04.2014 - 02.2019
- Provided resolution through timely response to customers and dealers through phone, email, workbasket, and direct mail inquiries for customer's lease end options
- Acted as a liaison between the customer, the dealership, and internal departments within MBFS
- Contributed to the company's operating results by conducting outbound call campaigns aimed at lowering customer delinquency
- Reconciled lease and retail reports and suspense files, while validating refund for overpayments
- Identified and implemented process improvements while cultivating a positive working attitude with internal and external customers.
Education
Bachelor of Science - Business Administration (Business Analytics)
University of North Texas
Fort Worth, TX05.2025
Certified Fraud Examiner
10.2024
Associate of Arts -
Tarrant County College
Fort Worth, TX07.2019
Skills
- Financial Risk Management
- Regulatory Standards
- Regulatory Research/Compliance
- Quality Assurance Policies
- Data Integrity
- Assessing Compliance Risk
- Retail/Online Banking
- SAR Reporting
- Anti-Money Laundering
- KYC Verification
- Corporate Fraud Investigations
- USA Patriot Act
- Bank Secrecy Act
- Credit Risk Management
- Microsoft Office
Timeline
AML Compliance Analyst
Madison Davis/Cross Riverbank
11.2023 - Current
Anti-Money Laundering/Fraud Analyst
Collabera Inc/Bank of America
07.2021 - 10.2023
Senior Fraud Analyst
Fiserv
03.2019 - 06.2021
Finance Clerk & Lease Maturity Advisor
Mercedes Benz Financial Services
04.2014 - 02.2019
Bachelor of Science - Business Administration (Business Analytics)
University of North Texas
Certified Fraud Examiner
Associate of Arts -
Tarrant County College
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