Kehinde Felicia

• Lead end-to-end AML investigations by reviewing complex case details, analyzing evidence, and assessing risk indicators tied to potential financial crime under BSA regulatory expectations.

• Identify activity suggestive of money laundering, sanctions violations, terrorist financing, or fraud schemes, applying sound investigative judgment to determine when escalation or further AML review is warranted.

• Conduct in-depth EDD assessments on high-risk customers and entities, validating identity documentation, ownership information, and behavioral patterns to ensure full alignment with BSA/AML standards.

• Evaluate transactional behavior and monitoring alerts by analyzing data, researching through open-source, case management systems -Verafin, Actimize etc., third-party tools, and reviewing historical account activity to determine whether activity is suspicious.

• Collaborate with account officers and internal partners to resolve discrepancies, obtain missing documentation, verify identity elements, and ensure customer files meet AML program and policy requirements.

• Perform structured QA reviews, maintain accurate records of investigative findings, and stay current with BSA, AML, OFAC, and FinCEN requirements to ensure high-quality investigative decisions and regulatory compliance.

SAR filing
• Prepare suspicious activity reports (SARs).
• Draft a detailed narrative according to FINCEN guidelines.
• Upload the supporting document to back up the SAR decision.
• Ensure compliance with AML regulations and internal policies.
• Collaborate with other departments to enhance investigation processes.

• Review and investigate transaction-monitoring alerts by analyzing account behavior, transactional flows, and customer activity to identify red flags related to fraud, money laundering, sanctions exposure, terrorist financing, and other suspicious patterns.

• Conduct detailed research using internal systems, OSINT sources, commercial databases, and name-screening tools to validate matches against PEP, SDN, negative news, sanctions, and high-risk entity lists during onboarding and ongoing monitoring.

• Perform in-depth account analysis to uncover inconsistencies, behavioral anomalies, and risk indicators, documenting findings clearly and ensuring all investigative steps meet internal and regulatory expectations.

• Prepare, draft, and support the decision-making process for Suspicious Activity Reports (SARs) by compiling evidence, summarizing the underlying activity, and ensuring narratives are accurate, complete, and compliant with BSA/AML requirements.

• Collaborate with AML, fraud, and compliance partners to resolve escalations, clarify unusual activity, gather supplemental documentation, and share case insights that support enterprise-wide risk mitigation.

• Identify emerging trends, recurring errors, and evolving typologies within transaction data, providing constructive feedback and recommending enhancements to monitoring rules, screening logic, and internal procedures.

• Maintain organized investigative records and contribute to policy and process improvements by applying EDD standards, strengthening alert handling quality, and supporting regulatory inquiries or law-enforcement coordination when required.

• Monitor daily account activity, digital transactions, and system-generated alerts to uncover indicators of first-party and third-party fraud, synthetic identities, money mule behavior, elder financial abuse, ATO attempts, and other emerging schemes.

• Lead full-scope investigations by gathering documents, reviewing transactional patterns, interviewing affected customers, validating claims, and assessing evidence from internal platforms, open-source intelligence sources, and third-party data tools.

• Draft and file clear, well-supported Suspicious Activity Reports (SARs) that detail fraud patterns, money-laundering risks, sanctions concerns, and key investigative findings in compliance with BSA/AML expectations.

• Perform CIP/KYC reviews and risk assessments by verifying identity elements, analyzing behavioral anomalies, checking velocity and geolocation data, and applying fraud-scoring methods to determine overall exposure.

• Investigate losses tied to unauthorized card activity, fraudulent deposits, ACH or P2P disputes, mobile banking misuse, and check manipulation, while working to recover funds whenever possible.

• Use tools such as Actimize, Verafin, Mantas, LexisNexis, CLEAR, OSINT platforms, and SQL-driven insights to validate alerts, identify trends, strengthen decision-making, and enhance investigative efficiency.

• Partner with internal departments, law enforcement agencies, insurance/bond representatives, and external stakeholders to share intelligence, file necessary reports, respond to subpoenas, and support legal proceedings when required.

• Maintain organized case files, document investigative steps thoroughly, and contribute to fraud-prevention strategies by highlighting new typologies, recommending control improvements, and supporting compliance readiness.