Katherine Viteri-Miranda
Summary
KYC Analyst with extensive experience in Anti-Money Laundering (AML) monitoring, governance, oversight, and regulatory reporting. Demonstrated ability to collaborate effectively with Compliance and Control teams to enhance risk management frameworks and ensure adherence to regulatory standards. Committed to developing and managing robust compliance programs that mitigate financial crime risks. Skilled in analyzing complex data sets to identify trends and inform strategic decision-making.
Overview
12
12
years of professional experience
Work History
KYC Operations Intermediate Associate Analyst
Citibank
09.2021 - Current
- Partner with internal units to ensure adequate due diligence process is carried out for customer accounts and documentation reviews.
- Provide support and coverage for team members during periods of high workload and perform other assigned duties.
- Actively participate in compliance-reacted activities, adhering to established procedures and controls.
- Ensure all information and documentation comply with local regulations and CITI Standards.
- Provided support during internal audits by promptly supplying requested information as needed.
- Demonstrated strong problem-solving abilities while troubleshooting issues related to data integrity or system inconsistencies.
- Update and review forms according to local regulations requirements and work with Compliance to expedite documentation reviews, providing clarification as needed.
- Follow up with clients to ensure information is received by due date.
- Perform KYC tasks, including monitoring and tracking of KYC record and Appendix readiness, assisting with the development and execution of action planning for expiring records, and ensuring record are not past due.
- Participate and assist with the organization of weekly meetings and call to discuss “Sustainability and Remediation” population.
- Ensuring compliance with all AML laws, regulations, guidelines, written procedures: OFAC, CIP, KYC customer/transaction monitoring.
- Create and maintain KYC records by obtaining information from internal and external sources (firm website, regulatory websites: such as Dun Bradstreet, LexisNexis, government registries, etc.)
- Ensure that CIP information and mandatory CDD/EDD information is collected.
- Knowledge of the laws application to money laundering, terrorist financing, and other applicable financial/securities related crimes, including the Bank Secrecy Act (BSA), the USA PATRIOT Act, US Treasury AML guidelines, OFAC, SEC, FINRA, FinCEN requirements, and SAR requirements.
- Contributes to the updates regarding the FinCEN CDD BO Quality Program procedures to ensure guidance is up to date.
- Work with PEQR teams to identified deficiencies in review to ensure increased quality results.
- Conducts background check (OFAC, SPF, PEP & Adverse information checks)
Compliance AML KYC Assoc Analyst 2
Citibank
01.2018 - 09.2021
- Perform public and internal research to complete due diligence on client KYC profile.
- Ensure KYC documentation added to the KYC source systems is accurate and complete.
- Create and maintain KYC records by obtaining information from internal and external sources (firm website, regulatory websites: such as Dun Bradstreet, LexisNexis, government registries, etc.)
- Liaise with Sales, Bankers, Relationship Manager, and client directly to acquired missing client KYC documentation.
- Ensuring compliance with all AML laws, regulations, guidelines, written procedures: OFAC, CIP, KYC customer/transaction monitoring.
- Performed the required KYC screening on customers documenting the information obtained on the client's as required by global KYC procedures.
- Take responsibility for KYC Record and associated documentation completion from initiation to approval.
- Interact proactively with Closure and Branch personnel to rescind cases as needed and manage exception timelines to ensure the completeness of the client profile.
- Discuss and escalate with Compliance complex issues surrounding client types and structures, financial products and services, and other AML risk-related issues.
- Ensure the completed records align with business procedures and corporate policy requirements.
- Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
- Collaborated with cross-functional teams to identify opportunities for process improvement and increased efficiency.
- Improved internal knowledge sharing by developing comprehensive documentation outlining standard operating procedures for various tasks.
Personal Banker
Citibank
09.2013 - 09.2017
- Appropriately assess risk/reward relationship when making business decisions, demonstrating consideration for the firm's reputation, and safeguarding the bank by applying sound ethical judgement regarding business practices.
- Conduct business and day to day activities in a way that is consistent with Citi commitments to fairness in all dealings and practices, including affording appropriate treatment to consumers and clients through the entire product and service life cycle.
- Provide personal financial counseling, assist with lending services, and build relationships with existing customer to sustain high satisfaction ratings and retention.
- Review and approve overdrafts and check for cashing, and answer questions on account, loans and statements.
- Coach team members to develop sales opportunities and refer to customer to designated business partners to meet branch and individual customer service and sales goals.
- Identify cross-sell opportunities and use the same proactively.
- Incorporate compliance guidelines into account monitoring activities.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
Education
Bachelor of Science - Accounting
New Jersey City University
05.2014
Skills
- Ability to communicate and interact and work closely with business stakeholders at all levels of seniority to obtain information and resolve issues
- Highly motivated, self-starter, strong attention to detail, team oriented approach, organized, and adaptive
- Excellent problem-solving skills and ability to see the big picture with high attention to critical details
- Ability to execute in a high pressure and fast-paced environment and successfully meet established deadline requirements
- Strong desktop publishing skills exceptional organizational strength to create, organize, maintain, and update sensitive and confidential company and client files Proficiency in MS Office- Word, PowerPoint, Access
- Languages: Bilingual: English and Spanish (fluent)
- Microsoft Excel
Languages
Spanish
Native or Bilingual
Timeline
KYC Operations Intermediate Associate Analyst
Citibank
09.2021 - Current
Compliance AML KYC Assoc Analyst 2
Citibank
01.2018 - 09.2021
Personal Banker
Citibank
09.2013 - 09.2017
Bachelor of Science - Accounting
New Jersey City University
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