KARINA RODRIGUEZ
Birmingham
Summary
Dedicated professional with 16+ years of experience championing business development by analyzing business processes and enhancing service delivery. Proven expertise in leadership, client engagement, organizational coordination, and compliance. Adept at improving operational efficiencies by implementing and supporting processes that support a company’s strategic direction. Committed to providing oversight of operational tasks, objectives, and strategies to ensure success according to an organization's standards.
Overview
18
18
years of professional experience
Work History
BSA/AML EDD Analyst II
Regions Bank
01.2022 - Current
- Analyzes High-Risk accounts and customer information according to prescribed internal policies and procedures.
- Report any suspicious, non-compliant, or prohibited activity/customer review findings to the appropriate BSA/AML departments including SAR, Reputational Risk and Negative News teams.
- Compile and assess customer due diligence research, documentation and prepare detailed reports of findings utilizing various internal and external research tools.
- Collect Enhanced Due Diligence by conducting new and periodic reviews on high-risk customers and utilizing internal and third-party research tools.
- Perform end-to-end investigations into complex customer activity to identify potential suspicious activity.
- Ensure compliance with BSA/AML related laws and regulations while identifying matters of noncompliance and escalate them as necessary for resolution.
- Knowledge of BSA/AML, KYC/CDD, and Financial Crimes Enforcement Network (FinCEN) related laws and regulations.
- Ability to multi-task and prioritize workload to meet deadlines, SLA goals while maintaining a high-quality score in a fast-paced work environment.
Credit Products Loan Para Lender
Regions Bank
01.2018 - 01.2022
- Synthesized client/prospect data to develop customized financial plans and asset allocation proposals to support clientele’s business development.
Consumer Real Estate Loan Processor
Regions Bank
01.2016 - 01.2018
- Drafts and reviews loan documentation ranging from simple to high volume or high complexity Real Estate loans.
- Ensures the loan is closed by loan approval and that supporting documentation conforms to loan approval and policy.
- Identifies potential issues related to documentation, policy or regulatory requirement and remediate prior to closing.
- Knowledge of Federal Lending regulations and RESPA/TRID requirements.
- General knowledge of insurance requirements and other property due diligence necessary for real estate transactions.
Bilingual Recovery Specialist
Regions Bank
01.2011 - 01.2016
- Conduct inbound and outbound calls to recover revenue on charge-off accounts.
- Assisted in training new hires regarding policy and procedures, as well as product specific laws and regulations.
- Create solutions on customers repaying plan while adhering to federal and bank guidelines.
- Managed numerous clients, develop strategies on settlements or a repayment plan.
Bilingual Consumer Collections
Regions Bank
01.2009 - 01.2011
- Responsible for collecting all banking products, negotiate payment plans for customers 15 to 160 days past due.
- Assisted during financial hardships, to get assistance for modifications to prevent losses to the bank.
- Assisted processing payment, collecting and analyze client’s data and information.
- Maintain team work ethic to maintain department goals and 0% abandon rate.
Education
Master of International Business Management - Business Management
Capella University
06-2022
Skills
- Enthusiastic Bilingual Specialist, English/Spanish
- Detail oriented, analytical, and critical thinking skills
- Strong verbal and written communication skills
- Able to multi-task and set priorities
- Able to work in a collaborative and independent environment
- Advance Excel skills
- Proficiency in Microsoft Office Products
Languages
Spanish
Native or Bilingual
Timeline
BSA/AML EDD Analyst II
Regions Bank
01.2022 - Current
Credit Products Loan Para Lender
Regions Bank
01.2018 - 01.2022
Consumer Real Estate Loan Processor
Regions Bank
01.2016 - 01.2018
Bilingual Recovery Specialist
Regions Bank
01.2011 - 01.2016
Bilingual Consumer Collections
Regions Bank
01.2009 - 01.2011
Master of International Business Management - Business Management
Capella University