Kionna K. White
Dallas,TX
Summary
Leader with more than 24 years of investigative experience in various sectors of Risk Management and Compliance, including but not limited to Fraud, AML, Quality Assurance, EDD/KYC, OFAC Sanctions, Correspondent/Investment Banking and Lending. Financial crimes professional providing advisory and monitoring services to combat money laundering, terrorist finance, fraud and regulatory compliance. I am currently seeking leadership opportunities in the areas of AML Compliance, Fraud Investigations and/or Quality Assurance.
Overview
22
22
years of professional experience
Work History
Senior AML Quality Assurance Consultant
Bank Of America
04.2024 - Current
- Conduct over 80 comprehensive AML investigation reviews (i.e., customer/transaction analyzation, closed/open-source research, Suspicious Activity Report recommendations, KYC/EDD) for a team of over 400 Investigator weekly
- Utilize complect internal database for analyzation, research, reporting, workstream tracking and monitoring
- Ensure case investigation documentation is detailed/accurate and SAR dispositions are thoroughly supported
- Assess and determine customer-relationship termination/retention for high-risk exposure customers
- Provide detailed feedback to Investigators on case analysis, accuracy, and dispositions verbally and in writing
- Provide operational and production recommendations/objectives weekly with management and investigations team
- Develop Investigators presented with production and case analysis challenges
- Utilize advanced knowledge of Bank Secrecy Act requirements for KYC/EDD accuracy
- Exceed daily production metrics and operational expectations.
Senior Financial Crimes Analyst
SBA
06.2023 - 03.2024
- Reviewed loan applications and supporting documents (i.e
- Bank statements, physical identification, tax documents) to uncover fraud and identity theft
- Evaluated borrower statement activity for unusual check, cash and wire activity (i.e., check kiting, structuring, check imaging/data, wires)
- Exceeded daily case production metrics
- Utilized various fraud detection and alert monitoring systems and closed/open-source databases for investigations
- Generated and filed SARs (Suspicious Activity Reports) and Fraud reports to FinCEN and the OIG
- Maintained working knowledge of CARES Act guidelines and protocols.
Fraud Quality Assurance Manager
SBA, Guidehouse Consulting
New York, NY
07.2020 - 07.2022
- Utilized CARES Act (Coronavirus Aid, Relief and Economic Security) implementation to support the oversight of PPP loan reviews
- Managed, reviewed, and documented fraudulent loan analysis conducted by a team of one hundred plus Team Leads and Analysts
- Analyzed supporting documentation provided by loan recipients (i.e., tax documents, payroll ledgers, affidavits, loan request/forgiveness applications) to validate loan eligibility
- Provided detailed write-ups of loan review findings, conclusions, and applicable revision demotions
- Verified report consistencies prior to law enforcement agencies
- Reviewed OIG (Office of Inspector General) request and recommendation for loans of concern
- Provided consistent feedback to Team Leads and Analyst to support and maintain team morale
- Utilized various public and private investigative databases to obtain consumer and commercial data
- Participated in weekly calls with Senior Management relative to project objectives, updates and expectations
- Consistently maintained and exceeded Manager production Metrix
- Managed company onboarding processes, interviewing and selecting new quality assurance personnel.
AML Senior Consultant
Synovus Bank
Weston, FL
11.2019 - 06.2020
- Reviewed the Customer/Account Profile documentation to obtain the nature, existence, and purposes of the business
- Researched appropriate Corporate Registry's websites to ensure business status/standing
- Analyzed complex business structures for High-Risk customers
- Collected sufficient KYC and EDD information for High-Risk/High-Profile commercial and consumer clients
- Pre-screened prospect types including but not limited to MSBs, CBD suppliers, Casinos, Ammunition dealers, Title Pawn & Payday Lenders
- Conducted transactional review of cash, check, ACH
- Loan and domestic/international wires
- Conducted Enhanced due diligence for Inherently High-Risk customers inclusive of Attorney offices, 100% Internet business, Auto/Boat/Aircraft dealers
- Finalized risk ratings and possible exposures to the bank
- Established quality standards and performed work according to project schedules.
Senior AML Analyst
UBS, PWC
Nashville, TN
06.2019 - 09.2019
- Investigated correspondent and investment banking transactions for bank and non-bank clientele to assess and mitigate AML risk and exposures
- Utilized various case management systems and information storage databases for case investigations
- Conducted enhanced due diligence for foreign based individuals/entities (i.e., MSB's, general traders, PEP's, high-net worth individuals/entities, etc.)
- Prepared professional reporting documentation inclusive of transactional data, mitigating factors, suspicious activity and final recommendations
- Searched and investigated individuals/entities against OFAC's SDN list
AML Senior Consultant
Bank of Texas, Crowe Horwath
New Orleans, LA
06.2018 - 12.2018
- Performed Enhanced Due Diligence (“EDD”) reviews of existing “high risk” bank customers (Private Wealth, Commercial and Consumer clients)
- Investigated transactional data for patterns of activity relative to money laundering and fraud (i.e., kiting, structuring, international wires)
- Prepared professional reporting documentation inclusive of transactional data, mitigating factors, suspicious activity and final recommendations
- Conducted research/analysis utilizing various internal and external systems (including but not limited to Watchdog, Lexis Nexis, Vision Archives, IBS, Fund Tech, etc.)
- Communicated regularly with Project Management, Senior Management and bank personnel
- Compiled data on quality issues and reported findings with suggestions for improvement.
Team Lead
NovaScotia Bank, Navigant Consulting
New York, NY
06.2017 - 12.2017
- Reviewed and approved Analyst case dispositions, escalations and SARs
- Managed and reported daily and weekly performance and production of Compliance Analysts
- Reported and assessed monthly/weekly operational metrics and results with upper management for FIU submission
- Implemented coaching and development task a team of fifteen consultants
- Held monthly team meetings to identify and address team feedback, innovations and conflict resolution
- Multitasked as a QA Reviewer for a team of one hundred plus consultants
- Delegated daily tasks to team members to optimize group productivity.
SAR Writer
Standard Charter Bank, Allsec Technologies
Dallas, TX
01.2015 - 05.2017
- Investigated correspondent banking transactions for AML, Fraud (i.e., check kiting, international wires, structuring)
- Conducted enhanced due diligence for foreign based individuals/entities (i.e., MSB's, general traders, PEP's, high-net worth individuals/entities)
- Searched and investigated individuals/entities against OFAC's SDN list
- Generated SAR's (Suspicious Activity Reports) to FinCEN
- Conducted Team Lead and QA reviews
- Established procedures and quality standards.
AML Senior Consultant
Chase Bank, Navigant Consulting
New York, NY
07.2013 - 03.2014
- Conducted detailed transaction lookbacks for consumer, private client and commercial accounts to identify and report potential money laundering and terrorist financing activities
- Conducted training for on-boarded consultants
- Conducted detailed transaction lookbacks and BAU operations
- Generated SARs to FinCEN
- Conducted Team Lead and QA reviews.
SAR Writer/ Fraud Analyst III
Capital One
New Orleans, LA
07.2002 - 07.2013
- Analyzed and investigated red flags for AML activity and acted upon suspicious activity
- Filed Suspicious Activity Reports (SARs)
- Conducted all OFAC reviews
- Monitored and detected all suspicious activity on deposit and loan accounts
- Trained all on-boarding associates
- Reviewed more than 150 financial statements each week to determine risk-exposures and check kiting activities.
Education
Master of Arts - Psychology
University of Phoenix
Bachelor of Arts - Criminal Justice
Dillard University
Skills
Transaction Monitoringundefined
Timeline
Senior AML Quality Assurance Consultant
Bank Of America
04.2024 - Current
Senior Financial Crimes Analyst
SBA
06.2023 - 03.2024
Fraud Quality Assurance Manager
SBA, Guidehouse Consulting
07.2020 - 07.2022
AML Senior Consultant
Synovus Bank
11.2019 - 06.2020
Senior AML Analyst
UBS, PWC
06.2019 - 09.2019
AML Senior Consultant
Bank of Texas, Crowe Horwath
06.2018 - 12.2018
Team Lead
NovaScotia Bank, Navigant Consulting
06.2017 - 12.2017
SAR Writer
Standard Charter Bank, Allsec Technologies
01.2015 - 05.2017
AML Senior Consultant
Chase Bank, Navigant Consulting
07.2013 - 03.2014
SAR Writer/ Fraud Analyst III
Capital One
07.2002 - 07.2013
Master of Arts - Psychology
University of Phoenix
Bachelor of Arts - Criminal Justice
Dillard University
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