Julie Harcharik
Carmichael,CA
Summary
Seasoned banking professional with over 27 years of experience, including the last 6 years specializing in compliance, risk management, enhanced due diligence, and financial crimes. Proven track record in implementing and maintaining effective financial crimes programs in compliance with the Bank Secrecy Act, Anti-Money Laundering, Counter-Terrorist Financing, and Global Sanctions. Comprehensive knowledge of OFAC, AML/BSA/KYC, the USA Patriot Act, and banking regulations. Strong organizational and time management skills, adept at handling multiple tasks efficiently and delivering high-quality work within deadlines. Skilled in making sound decisions that mitigate risk and achieve mutually beneficial outcomes for both the company and its customers, while strictly adhering to regulatory and policy standards. Effective collaborator with all levels of management, team members, customers, and external parties.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Senior Financial Crimes Specialist
Wells Fargo, NA
08.2018 - 06.2024
- Led and participated in complex initiatives, contributing to large-scale planning and deliverables.
- Investigated, researched, and reported on complex financial crimes, policy violations, and high-risk situations.
- Performed risk evaluation and modeling, providing strategic recommendations.
- Evaluated the effectiveness of policies, procedures, processes, and internal controls.
- Conducted data and onsite reviews, determined risk levels, and recommended fraud prevention strategies.
- Detected transactional and relationship patterns, trends, anomalies, and schemes across multiple businesses.
- Partnered with leadership to develop strategies to minimize financial crime risk and maximize profits.
- Collaborated with peers, colleagues, and mid-level managers to resolve issues and achieve goals.
- Led projects, teams, and mentored less experienced staff.
Private Client Associate, Assistant Vice- President, SAFE
Wells Fargo Bank, N.A.
Wealth Investment Management, Private Banking
02.2007 - 08.2018
- Initiated and adhered to compliance due diligence requirements for new client onboarding, including BSA/AML, KYC, USA Patriot Act Certification of Beneficial Ownership, and various other U.S. laws and regulations designed to combat money laundering and terrorism financing.
- Provided support to Senior Private Bankers and assisted in managing a portfolio in excess of 200 consumer and business relationships with account administration, sales activities, and relationship management.
- Interacted frequently with clients, helped profile and identify client retention issues, and identified new business opportunities across business lines.
- Prepared preliminary client correspondence, including customized professional client presentation materials to support sales/marketing efforts.
Education
High School Diploma -
Mira Loma High School
Sacramento, CA 06.1993
Some College (No Degree) - Business Administration
American River College
Sacramento, CASkills
- Effective Communication Skills
- Strong Organizational Skills
- Risk Assessment and Management
- Analytical Thinking
- Attention to Detail
- Problem-Solving Abilities
- Flexibility and Adaptability
- Collaboration and Relationship-Building
- Anti-Money Laundering (AML)
- Know Your Customer (KYC)
Certification
SAFE Certification, NMLS 612054
California Notary Public
References
Available upon request
Timeline
Senior Financial Crimes Specialist
Wells Fargo, NA
08.2018 - 06.2024
Private Client Associate, Assistant Vice- President, SAFE
Wells Fargo Bank, N.A.
02.2007 - 08.2018
High School Diploma -
Mira Loma High School
Some College (No Degree) - Business Administration
American River College
SAFE Certification, NMLS 612054
California Notary Public
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