JOY GUILFORD
Belleville,IL
Summary
Systematic and meticulous Compliance Officer, specializing in banking and loan products and services. Commensurate experience in oversight of financial, marketing and advertising contractual agreements. Forward-thinking and focused on optimizing policies and procedures to achieve consistent, accurate and high-quality results.
Overview
6
6
years of professional experience
Work History
KYC Officer
Barclays
New York, NY
12.2021 - Current
- Liaised with risk management, internal audit and employee services departments to direct compliance issues to appropriate channels for investigation and resolution.
- Developed and implemented internal control tests to verify employee compliance with established policies and procedures.
- Reviewed company forms, marketing materials and communication procedures for compliance with applicable laws and guidelines.
- Gathered, organized and evaluated data to make accurate assessments of current operations.
Business Analyst
American Express
Phoenix, AZ
06.2021 - 12.2021
- Remote
- Assist investigation and risk management teams with fraud investigations and risk identification
- Monitoring departmental queues for alerts through Bridger
- Investigate alerts to determine if there is a potential match
- Develop improvement and corrective action plans to bring operations in line with requirements
- Monitor transaction and review fraudulent activities on credit cards
- Document noncompliance activities and communicated with design-builder on remediation
- Document daily inspection activities by taking photos and filling out inspection reports
- Collect detailed notes on investigations and other communication to adhere to legal requirements and enhance recordkeeping.
AML Compliance Analyst
Harris Consulting
Katy, Texas
04.2019 - 06.2021
- Identified inherent risk and update internal control measures to improve the risk assessment efficiency using the wolfberg principles
- Analyzed and identified fraudulent document to prevent Identity theft
- Processed payments effectively and accurately handled cash, credit, debit and personal check transactions
- Reviewed and responded to 314(a) 314(b) related to AML activities of fraud concerns from government institution and financial institution
- Received and processed customer payments
- Maximized team knowledge and productivity by effectively training, monitoring and directing employees in application of best practices and regulatory protocols
- Monitored transaction and review fraudulent activities in credit cards
- Researched topics and completed due diligence to resolve issues in a timely manner
- Treated system generated alerts on AML, and fraud exposure to financial Institution
- Studied patterns of transactions and fishing out fraudulent transaction.
Retail / Sales Associate
James and Henry
Saint Louis, MO
04.2017 - 03.2019
- Ensured efficient and timely replenishment of sales floor merchandise
- Increased brand awareness through event marketing, demonstrations, sales and brand awareness
- Worked alongside retail representatives to boost sales by enhancing product presentations and advertising collateral
- Implemented up-selling strategies such as recommending accessories and complementary purchases to boost revenue
- Analyzed and properly processed product returns, assisting customers with finding alternative merchandise to meet needs
- Increased sales by 40% over 3 years by offering consultation on products and services and applying customer service and upselling techniques
- Trained and developed new sales team associates in products, selling techniques and company procedures.
Circulation Desk Lead
Webster University
Saint Louis, MO
03.2016 - 05.2017
- Verified data integrity and accuracy
- Responded to numerous reference calls daily, helping patrons with specific information needs
- Incorporated library items that met existing requirements while also driving curiosity, engaging students and supporting lifelong learning
- Stayed abreast of latest trends and strategies in field by reading trade publications and attending conferences
- Oversaw total library program, including media, catalog and instructional areas
- Drove expansion of library collections and programs in response to student and faculty needs and special requests
- Assisted students in locating and using library resources and assisted teachers with materials needed to enrich their classroom instruction
- Resolved patrons' complaints tactfully and professionally
- Provided extensive instruction for students, patrons and staff in use of print and electronic materials
- Completed electronic research using databases such as Westlaw, LexisNexis and Bloomberg
- Organized library catalog, supplies, equipment and records.
Education
Front End Web Development -
Codecademy
02.2021
Master of Arts - Advertising and Marketing Communications
Saint Louis Community College
05.2018
MBA - Advertising and Marketing Communication
Webster University
12.2017
Bachelor of Arts - Mass Communication
Babcock University
07.2014
Skills
- Risk Identification
- Violations and Infractions
- Compliance Reporting
- Data Analysis
- Field Inspections
- Document Review
- Compliance Training
- AML Software
- Quality Control
Timeline
KYC Officer
Barclays
12.2021 - Current
Business Analyst
American Express
06.2021 - 12.2021
AML Compliance Analyst
Harris Consulting
04.2019 - 06.2021
Retail / Sales Associate
James and Henry
04.2017 - 03.2019
Circulation Desk Lead
Webster University
03.2016 - 05.2017
Front End Web Development -
Codecademy
Master of Arts - Advertising and Marketing Communications
Saint Louis Community College
MBA - Advertising and Marketing Communication
Webster University
Bachelor of Arts - Mass Communication
Babcock University