Kimberly Rivers
Jacksonville,Florida
Summary
Quality-driven Compliance Analyst familiar with tracking, documentation and reporting requirements. Assesses work, materials and procedures and recommends adjustments to maintain compliance. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Over 10 years of experience and motivated, energetic mindset.
Overview
12
12
years of professional experience
Work History
Compliance Analyst / Quality Control
Maxwell Financial Labs
02.2022 - Current
- Reviewed audit and monitoring reports related to consumer and client activities.
- Prepared documentation and records for upcoming audits and inspections.
- Stayed current with latest changes to applicable regulatory standards and company procedures.
- Assisted investigation and risk management teams with fraud investigations and risk identification.
- Developed improvement and corrective action plans to bring operations in line with requirements.
- Helped create training programs to handle system-wide issues and maintain compliance.
- Communicated materials documentation deficiencies to project engineer, project staff and design-builder.
- Documented noncompliance activities and communicated with design-builder on remediation.
- Confirmed data and licensing information through investigations and notified violators of required changes to bring operations into compliance.
Compliance Analyst
Digital Risk
07.2021 - 02.2022
- Reviewed audit and monitoring reports related to consumer and client activities.
- Assisted investigation and risk management teams with fraud investigations and risk identification.
- Updated excel spreadsheets with latest data to enhance strategic planning.
- Enforced compliance with complex state and federal laws, rules and regulations for industry.
- Communicated materials documentation deficiencies to project engineer, project staff and design-builder.
- Identified gaps in existing compliance processes and recommended updates.
Underwriter
American Financing
06.2020 - 02.2021
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Monitored market conditions and economic trends to identify and limit potential risks.
- Ascertained application viability by verifying collateral values, title reports and appraisals.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Made approval and denial recommendations by determining accurate risk levels.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Managed a pipeline of over 60 files per month.
Underwriter
Digital Risk, BB
09.2019 - 06.2020
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Managed an ongoing pipeline of over 50 files monthly.
Global Onboarding KYC Analyst
Deutsche Bank
02.2019 - 09.2019
- Conducted KYC formality reports on questionable accounts and transactions.
- Interpreted evidence from multiple tools and systems to determine legitimacy of customer behavior.
- Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.
- Reviewed new prospect KYC documents to meet requirements and determine business model risk.
- Facilitated communication with KYC onboarding team to gather information and onboarding documentation.
- Conducted thorough reviews for high risk clients based on stratified risk level guidelines.
- Prepared high-risk reviews with results and recommendations for customer onboarding, closure and retention.
- Partnered with client-facing teams to collect legal documents and associated information for regulatory and internal policies.
Compliance Analyst
Digital Risk, US Bank, Bank of America
07.2017 - 12.2018
- Reviewed audit and monitoring reports related to consumer and client activities.
- Assisted investigation and risk management teams with fraud investigations and risk identification.
- Enforced compliance with complex state and federal laws, rules and regulations for industry.
- Identified gaps in existing compliance processes and recommended updates.
- Conducted periodic compliance audits and reviews to identify areas of improvement.
Compliance Analyst
Bank of America, Disys
01.2012 - 07.2013
- Reviewed audit and monitoring reports related to consumer and client activities.
- Prepared documentation and records for upcoming audits and inspections.
- Assisted investigation and risk management teams with fraud investigations and risk identification.
- Developed improvement and corrective action plans to bring operations in line with requirements.
- Identified gaps in existing compliance processes and recommended updates.
- Developed risk assessment models to identify potential compliance risks.
Education
Master of Business Administration (MBA) - Business Administration
University of Phoenix
Jacksonville, FL02.2011
Bachelor of Science - Biology
Florida Agricultural And Mechanical University
Tallahassee04.2006
Skills
- Research and Analytics Proficiency
- Anti Money Laundering (AML)
- Know Your Client (KYC)
- Risk Identification
- Project Management
- Privacy and Confidentiality
- Compliance Reporting
- Regulatory Understanding
- Due Diligence
- Leadership Techniques
- Document Review
Timeline
Compliance Analyst / Quality Control
Maxwell Financial Labs
02.2022 - Current
Compliance Analyst
Digital Risk
07.2021 - 02.2022
Underwriter
American Financing
06.2020 - 02.2021
Underwriter
Digital Risk, BB
09.2019 - 06.2020
Global Onboarding KYC Analyst
Deutsche Bank
02.2019 - 09.2019
Compliance Analyst
Digital Risk, US Bank, Bank of America
07.2017 - 12.2018
Compliance Analyst
Bank of America, Disys
01.2012 - 07.2013
Master of Business Administration (MBA) - Business Administration
University of Phoenix
Bachelor of Science - Biology
Florida Agricultural And Mechanical University
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