Kimberly Difo, FIS
Hasbrouck Heights,NJ
Summary
Accomplished professional with extensive experience in the financial industry, specializing in Anti-Money Laundering (AML) within the English Caribbean Region. Skilled in conducting comprehensive due diligence reviews for high and moderate-risk customers, aligning with BSA/AML/KYC policies and procedures. Proven expertise in risk identification, mitigation, and ensuring alignment of client activities with regulatory frameworks. Instrumental in contributing to the success of the Enhanced Due Diligence Unit (EDDU), executing strategic initiatives to achieve team objectives. Committed to maintaining strict compliance with regulatory standards and internal policies while consistently meeting stringent SLAs. Aiming to leverage this expertise to drive operational excellence and compliance within the financial sector.
Overview
9
9
years of professional experience
1
1
Certification
Work History
AML Sr. Analyst EDDU ECR
Scotiabank (GBS)
01.2022 - 06.2024
- Ensured successful execution of personal goals and plans within the Enhanced Due Diligence Unit (EDDU) for the English Caribbean Region.
- Maintain compliance with regulations, internal policies, and complete activities within SLA.
- Conducted in-depth analysis of transaction data, identifying and reporting of potential money laundering activity, resulting in the filing of Suspicious Activity Reports (SARs).
- Mentored and trained junior analysts, providing guidance on AML regulations, investigation techniques, and best practices.
- Improved internal knowledge sharing by developing comprehensive documentation outlining standard operating procedures for various tasks.
AML Analyst EDDU Wealth
Scotiabank (GBS)
01.2021 - 01.2022
- Performing holistic due diligence reviews of High or Moderate Risk Customers in support of the Bank's BSA/AML/KYC policies and procedures.
- Responsible for identifying and mitigating risks and ensure that the client's anticipated activity is consistent with the nature of business, bank policy, applicable laws, and regulations.
- Reduced case backlog through process improvements and efficient case management, ensuring timely completion of investigations.
- Maintained up-to-date knowledge about emerging trends in financial crime, sharing insights with team members for continuous improvement initiatives.
- Strengthened AML compliance by conducting thorough risk assessments and monitoring transactions.
Customer Service Supervisor
Continuum
01.2018 - 01.2021
- Oversee and leading agent performance, providing learning or coaching opportunities, and taking corrective action, if necessary.
- Preparing reports and analyzing data to assist management as they determine the account goals.
- Collaborated with other departments to address recurring customer concerns, improving overall service quality.
QA Analyst
Continuum
01.2018 - 01.2021
- Monitoring customer interactions and provide coaching sessions to the agents.
- Obtain valuable data that can help with optimizing agent behavior, enhancing technical support performance, and improving the customer experience.
- Encouraged adoption of best practices among team members, leading workshops and training sessions on relevant topics.
Technical Support Representative
Concentrix (Former Convergys)
01.2015 - 01.2017
- Responsible for providing customer service to individuals or companies and helping them troubleshoot technical difficulties.
- Documented customer interactions in detail within the case management system, ensuring comprehensive records were maintained for future reference.
- Resolved complex technical problems through effective troubleshooting techniques, enhancing the user experience.
Education
BBA -
UAPA
12-2025
Chemical engineering - undefined
UNPHU
01.2019
High School - Accounting and Finance
Politécnico Maria De La Altagracia
06-2014
Skills
- Microsoft office
- Analytical thinking
- MS Excel
- Time management
- Team collaboration and leadership
- Attention to detail
- Documentation and reporting
- Critical thinking
- Decision-making
- Risk analysis
- Root-cause analysis
- Compliance analysis
- Strategic planning
- Regulatory compliance
- Evidence-based decision making
- Excellent communication
- Problem-solving
Languages
English
Full Professional
Spanish
Native or Bilingual
Certification
- Financial Intelligence Specialist ManchesterCF Financial Intelligence 2022 December
- Microsoft Office Excel (Intermediate) Infotep
- Emotional Intelligence Infotep
- Conflict Management Infotep
- Strategic Planning – Infotep
Timeline
AML Sr. Analyst EDDU ECR
Scotiabank (GBS)
01.2022 - 06.2024
AML Analyst EDDU Wealth
Scotiabank (GBS)
01.2021 - 01.2022
Customer Service Supervisor
Continuum
01.2018 - 01.2021
QA Analyst
Continuum
01.2018 - 01.2021
Technical Support Representative
Concentrix (Former Convergys)
01.2015 - 01.2017
Chemical engineering - undefined
UNPHU
- Financial Intelligence Specialist ManchesterCF Financial Intelligence 2022 December
- Microsoft Office Excel (Intermediate) Infotep
- Emotional Intelligence Infotep
- Conflict Management Infotep
- Strategic Planning – Infotep
BBA -
UAPA
High School - Accounting and Finance
Politécnico Maria De La Altagracia
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