Summary
Overview
Work History
Education
Skills
Timeline
Generic

JOSHUA APEKU

Crowley,Texas

Summary

An AML QC and Fraud 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 AML QC Analyst and Fraud Analyst. Overall, my strong analytical, communication, and problem-solving skills, combined with my extensive experience, make me a valuable asset to any organization looking to strengthen its AML program.

Overview

11
11
years of professional experience

Work History

AML QC Analyst

Madison Davis/Cross Riverbank
11.2023 - Current
  • Ensured compliance with BSA/AML laws and internal policies by continuously monitoring transactional activity for potential suspicious behavior
  • Review and evaluate financial crime investigations, including anti-money laundering (AML), fraud, and other suspicious activities
  • Prepare detailed reports on QC findings, including trends, gaps, and areas for improvement
  • Conduct investigations of customer activity to determine whether such activity warrants reporting in accordance with relevant AML regulation and guidance
  • Research, draft, and write Suspicious Activity Report (SAR) to enforcement networks, and document decisions not to file a SAR exercising independent judgment and discretion while handling sensitive cases (wrote 25 to 30 SAR a week)
  • Collect information from different workstreams and sources to develop typologies and recommendations for control enhancements
  • Track and report on key performance indicators (KPIs) related to financial crime investigations
  • Stay up to date with new fraud/scam and money laundering typologies in the cryptocurrency industry
  • Act as a liaison between the QC team and other departments, including investigations, legal, and audit teams
  • Identify data anomalies and red flags for money laundering, terrorist financing, fraud, sanctions violations, and escalate to review level
  • Conducted comprehensive data and onsite reviews for high-risk clients, providing actionable insights and recommendations to mitigate financial crime risks.

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
Denton, TX
05-2025

Associate of Arts - Arts

Tarrant County College District
Fort Worth, TX
07-2019

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 (BSA)
Credit Risk Management

Timeline

AML QC 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

Associate of Arts - Arts

Tarrant County College District

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JOSHUA APEKU