KIMBERLY MCCRAY
Richmond,Virginia
Summary
Regulatory compliance expert with extensive experience in risk management and policy enforcement. Proficient in identifying and mitigating risks while ensuring compliance with legal standards. Recognized for reliability and strategic problem-solving abilities, with a focus on collaborative efforts and measurable outcomes.
Overview
25
25
years of professional experience
Work History
Compliance Officer/BSA Analyst
Village Bank
06.2019 - 06.2025
- Identified potential risks and developed compliance policies through management collaboration.
- Investigated OFAC alerts for domestic and international transactions across all business lines.
- Processed OFAC transactions to ensure regulatory compliance.
- Conducted complex reviews on exemptions and money service businesses.
- Authored, reviewed, and filed suspicious activity reports and CTRs; addressed sanctions alerts.
- Assessed system-generated alerts, researched impacts on AML processes, and documented findings in Verafin.
- Researched FinCEN report matches from the U.S. Department of the Treasury.
- Supported internal audits, State, and FDIC exams.
Compliance Consultant
Wells Fargo, (Contract) Insight Global
02.2017 - 02.2019
- Implement and monitor risk-based compliance program to assure compliance with federal, state, agency, legal and regulatory requirements or may provide oversight of compliance function
- Provide compliance consulting and support for projects and initiatives with moderate risk to identify and mitigate regulatory risk in business activities
- Implement compliance testing strategies and methodologies; evaluates the adequacy and effectiveness of policies, procedures, processes, initiatives, products, and internal controls and identifies issues resulting from internal and/or external compliance examinations
- Review high risk client onboarding processes including Enhanced Due Diligence (EDD) onboarding processes
- Complete EDD reviews within the Service Level Agreement deadline
- Write detailed high-risk summaries about the EDD review on complex files
- Update and create client data in Actimize
AML Investigator
Capital One, (Contract) Strategic Staffing Solutions
01.2016 - 10.2016
- Responsible for moderately complex research and analysis of suspicious usage to assess levels of risk
- Support various Anti-Money Laundering (AML) processes, which might include suspicious activity investigations and reporting, currency transaction reporting, global sanctions screening, enhanced due diligence or other AML processes
- Provides review and analysis of risky or exception conditions
- Work closely with management to ensure critical functions are fulfilled timely and accurately
- Review system generated alerts to assess presence of illicit activity that may require reporting based on Bank Secrecy Act (BSA)/AML requirements
- Utilize internal bank systems, public databases and other tools to research client, counterparties, and related entities to alerted cases
- Conduct research, identify patterns, anomalies and trends then analyze findings to determine extent of suspicious or unusual activity
- Maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g., financial, legal, reputation, etc.)
- Validate quality of draft Suspicious Activity Reports via FinCEN Software for various business units (AML Operations, Auto Lending, Savings, Information Security)
Branch Manager
Call Federal Credit Union
07.2000 - 03.2015
- Direct and supervise the overall operation of branch, growth, and personnel job performance
- Lead and manage a team that executed exceptional customer service, personal banking, and product sales activities; established and achieved sales goals through effective sales management techniques
- Identify and generate new accounts, process loan applications while applying bank policies and procedures
- Mentor and train staff on all policy, procedure and product updates
- Research and resolve all customer account discrepancies within a timely manner
- Accurately enter account adjustments after thorough research
- Respond to customers inquiries via phone, email, and live chat
- Assign work schedules for all branch personnel to meet the needs of the organization
- Partner with Human Resources to ensure branch timecard processes are compliant prior to payroll processing
- Evaluate and administer annual staff evaluations and performance appraisals
- Prepare and deliver weekly and monthly financial reports to senior management.
Education
Chula Vista Community College
Skills
- Problem-solving skills
- Customer service expertise
- Verbal and written communication
- Adherence to policies
- Data research skills
- Time optimization strategies
- Meticulous detail orientation
- Compliance auditing processes
- Document assessment and investigation skills
- Training facilitation and conflict resolution strategies
- Anti-money laundering knowledge
CUST
Computer Skills: Outlook, Microsoft Office, SharePoint, Workforce, Excel, Client 360, WireX, FCRM, TLO, Portico, Lexis Nexis, Actimize, Eprism, Tsys, Chordiant, Loancierge
Timeline
Compliance Officer/BSA Analyst
Village Bank
06.2019 - 06.2025
Compliance Consultant
Wells Fargo, (Contract) Insight Global
02.2017 - 02.2019
AML Investigator
Capital One, (Contract) Strategic Staffing Solutions
01.2016 - 10.2016
Branch Manager
Call Federal Credit Union
07.2000 - 03.2015
Chula Vista Community College
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