Kearea Flowers
Kansas City
Summary
Results-driven with extensive KYC, EDD, and AML Expertise with over six years of experience in financial compliance and risk management. Skilled in conducting thorough due diligence and risk assessments to ensure adherence to regulatory standards. Proficient in identifying and mitigating potential threats related to money laundering and financial fraud. Known for leveraging data analysis and investigative skills to enhance compliance processes, streamline operations, and support organizational integrity. Committed to fostering a culture of compliance and continuous improvement within dynamic environments.
Overview
3
3
years of professional experience
Work History
Senior AML Analyst
IQEQ
11.2023 - Current
- Conducted thorough risk assessments to mitigate potential money laundering threats, protecting the company's reputation and financial assets.
- Perform comprehensive research on individuals, entities, and events related to current or prospective customers through the analysis of public records, open-source media, and specialized vendor systems.
- Provide high-quality work both independently and collaboratively, with a strong emphasis on client satisfaction.
- Maintain a high level of confidentiality in all dealings with internal and external stakeholders.
- Manage relationships with external vendors providing AML-related services, ensuring timely delivery of quality data for analysis purposes.
AML KYC Analyst/ EDD Maker Support
PwC
03.2023 - 08.2023
- Conducted Enhanced Due Diligence (EDD) reviews by identifying and analyzing customer accounts through transaction monitoring, sanctions checks, assessments of Politically Exposed Persons (PEPs), high-risk businesses, and fraud prevention techniques, ensuring compliance with Bank Secrecy Act (BSA) regulations and aligning with AML standards and company values.
- Efficiently assessed and mitigated large data sets within the wealth management department to verify individual and business backgrounds, identify patterns, and evaluate potential risks associated with transactions.
- Reviewed and analyzed alerts for potential high-risk customers, focusing on Politically Exposed Persons (PEPs) and negative news alerts to determine necessary follow-up actions.
- Verified sources of funds, legal entity ownership, and related information to establish the legitimacy of financial transactions.
- Developed critical risk assessment decisions and recommendations for escalating, clearing, or referring cases to line management for further review.
FinTech KYC Crime Investigator
Chime
10.2021 - 04.2023
- Conducted independent investigations to identify high-risk customers using a scoring methodology based on transaction monitoring, KYC alerts, AML/BSA suspicious activity, global sanctions, PEPs, and adverse media, ensuring regulatory compliance.
- Documented detailed Enhanced Due Diligence findings for high-risk customers, adhering to established risk scoring models and regulatory guidelines.
- Analyzed customer profiles and transactions to detect potential money laundering or fraud, implementing remediation based on findings and regulatory standards.
- Monitored regulatory changes and financial crime trends to inform the development and revision of compliance policies and procedures.
- Collaborated with cross-functional teams in Fraud, Onboarding, Compliance, Legal, and Support to enhance regulatory programs, achieving a 20% increase in investigative productivity through task automation and reduced regulatory risks.
Education
Master of Science - Forensic Investigations
George Washington University
Washington, DC05.2020
Bachelor of Science - Criminal Justice
Clark Atlanta University
Atlanta, GA05.2011
Skills
- AML Risk
- Confidentiality
- Critical Thinking
- Enhanced Due Diligence
- Financial Crimes Investigations
- Suspicious Activity Reporting
Timeline
Senior AML Analyst
IQEQ
11.2023 - Current
AML KYC Analyst/ EDD Maker Support
PwC
03.2023 - 08.2023
FinTech KYC Crime Investigator
Chime
10.2021 - 04.2023
Master of Science - Forensic Investigations
George Washington University
Bachelor of Science - Criminal Justice
Clark Atlanta University
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