Kewanda Epps
Alexandria,VA
Summary
Meticulous financial compliance/ investigation analyst with over ten years in the industry who undertakes complex assignments meets deadlines and results-driven. Provides a strong knowledge across the investigative lifecycle in the regulatory, civilian and law enforcement sector. Demonstrates the ability to mitigate security threats such as fraud, money laundering, sanction violations, narcotics trafficking and litigations in a fast pace environment.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Financial Investigation Analyst
Eagle Harbor Contractor Drug Enforcement Administration
07.2023 - Current
- Provide investigative support to money laundering investigation team
- Prepare and interpret accounting data, financial analyst reports
- Assist investigators by conducting analyses of seized records to determine the amount of illegal proceeds subject to forfeiture, assets derived from illegal proceeds involved in money laundering
- Prepare general correspondence such as memoranda, letters, reports, electronic messages, requisition forms and other government forms.
- Assist law enforcement agencies in criminal investigations related to financial fraud, contributing to successful prosecution efforts.
Background Compliance Analyst
Aston Carter
02.2023 - 07.2023
- Interpreted client-required background checks requirements
- Prepared and submit custom screening packages for third-party vendors
- Reviewed records to obtain facts to resolve all material issues in the background to establish reputation, character, suitability or qualifications
- Adjudicated background checks results to ensure proper background checks requirements are maintained in internal systems
- Handled complex client and customer service scenarios to both diagnose and provide solutions
- Ensured clients are adhering to all Federal and State employment laws
- Ensured potential candidates do not pose unreasonable risk to clients.
Senior Financial Compliance Analyst
Cardinal Financial
01.2021 - 10.2022
- Reviewed and verified all financial documents to assess the economic health of the loan applicant including verifying income and employment as well as the applicant's credit history
- Source additional information as needed when inconsistencies are found
- Reviewed and identify red flags for potential fraud and misrepresentation
- Scrutinized accounts from which the applicant's funds are originating to determine the creditworthiness of the applicant
- Issued conditional approvals and clear to close based on creditworthiness while adhering to agency guidelines
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
AML/KYC Analyst
Quicken Loans
09.2019 - 01.2021
- Conducted transaction reviews, deep investigations, and reporting suspicious activity related to money laundering and terrorist financing (SAR filings), including wires and other anomalous activities
- Performed extensive background searches using public and private databases such as Lexis Nexis, inquiries from businesses along with the review of OFAC/Watch List/Politically exposed Person PEP alerts in accordance with AML and other regulatory standards to prevent the operational and reputational risk
- Collected and documented case alerts or SARS history and Know Your Customer KYC information; relevant account and transaction data
- Reviewed new prospect KYC documents to meet requirements and determine business model risk
- Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.
Compliance Analyst
American Consultants
04.2018 - 09.2018
- Analyzed credit documents, including, but not limited to, mortgage applications, credit history, income documents, title documents, appraisals, and all applicable compliance documents
- Identified portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure
- Performed test audit procedures to determine whether the loan meet banking guidelines and specific lending guidelines
- Reviewed loan files for compliance with the Good Faith Estimate (GFE) and Settlement Statement HUD-1 requirements of RESPA including remediations of findings relating to RESPA tolerance errors and possible re-disclosure and calculation of any necessary reimbursements
- Documented test results, conclusions, and missing/deficiencies found
- Assisted investigation and risk management teams with fraud investigations and risk identification.
Mortgage Underwriter
First Guaranty Mortgage Corporation
02.2013 - 11.2017
- Reviewed loans for eligibility with respect to, Freddie, FHA, VA, and USDA guidelines to ensure loans met agency guidelines
- Reviewed credit packages to determine mortgage amount and term, minimum required investment, assets, credit history, and monthly debt meets agency requirements
- Analyzed income documentation including personal, partnership, and corporate tax returns, credit reports, and appraisal reports
- Performed compliance testing specific to QM, Higher Priced Mortgage, MDIA, SAFE Act, Regulations B, C, E, and Z, and State Licensing Laws
- Maintained current and fluid knowledge of investor and agency guidelines and adapted to changes quickly
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
SR. AML ANALYST
Promontory Financial, Solomon Edwards
11.2011 - 01.2013
- Supervised a team of reviewers to ensure accuracy, productivity, and adherence to procedural guidance for litigation assignment
- Performed second-level due diligence audit reviews, and captured data and documentation in accordance with case review methodology
- Reviewed and analyzed daily wire transfers to ensure that all deposits were within FinCEN AML guideline
- Assisted banking institutions in addressing Bank Secrecy Act BSA, AML, and sanctions matters
- Audited and examined financial records, checking for accuracy and compliance with established regulations.
Education
Criminal Justice -
Old Dominion University
Norfolk, VA01.2004
Associate: Administration-Criminal Justice -
Tidewater Community College
Norfolk VA 12.2003
Skills
- Anti-money Laundering
- Know Your Customer
- Risk Analysis
- Risk Management
- Audit and Regulatory
- Due Diligence
- Solid knowledge of Bank Operation
- Knowledge of Fin Cen and Anti Money Laundering processes
- Proficiency with Microsoft suite, I2 charts CFIS, Accurint, CLEAR, ORBIS, Sayari
- Strong critical and analytical skills
- Judgment and Decision-Making
Certification
- CRC- Chain Reactor Certification
- DE- Direct Endorsement Underwriter
Timeline
Financial Investigation Analyst
Eagle Harbor Contractor Drug Enforcement Administration
07.2023 - Current
Background Compliance Analyst
Aston Carter
02.2023 - 07.2023
Senior Financial Compliance Analyst
Cardinal Financial
01.2021 - 10.2022
AML/KYC Analyst
Quicken Loans
09.2019 - 01.2021
Compliance Analyst
American Consultants
04.2018 - 09.2018
Mortgage Underwriter
First Guaranty Mortgage Corporation
02.2013 - 11.2017
SR. AML ANALYST
Promontory Financial, Solomon Edwards
11.2011 - 01.2013
Criminal Justice -
Old Dominion University
Associate: Administration-Criminal Justice -
Tidewater Community College
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