Krystal Collins
Dallas
Summary
Senior AML/KYC Compliance Leader with 10+ years in banking, brokerage, and financial services. Proven in building and managing compliance programs, leading investigations, and preparing SARs in line with BSA/AML, FINRA, SEC, and OFAC regulations. Skilled in risk mitigation, internal controls, and regulatory audit support.
Overview
12
12
years of professional experience
Work History
AML Investigator
MBO Partners
04.2024 - 06.2025
- Led in-depth investigations into suspicious financial activities across brokerage investment accounts and retail banking portfolios, identifying potential money laundering, fraud, and other risks.
- Analyzed large-scale financial data (account statements, logs, behavioral profiles) to detect structuring, layering, and other financial crime typologies.
- Authored regulatory-compliant Suspicious Activity Reports (SARs), detailing findings, transaction summaries, and escalation recommendations.
- Applied a risk-based approach to Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), focusing on high-risk clients, sectors, and geographies.
- Investigated alerts from transaction monitoring systems, assessed flagged activity, and escalated or closed cases based on risk relevance.
- Stayed up-to-date on emerging trends in financial crime, proactively adapting investigative strategies accordingly.
- Collaborated with cross-functional teams to ensure consistent application of AML regulations across business lines.
Senior QA/AML Analyst
Genpact
06.2017 - 03.2024
- Reviewed and validated investigative cases for accuracy and regulatory compliance.
- Developed and enforced AML policies and procedures to ensure compliance with banking, brokerage, and regulatory standards.
- Prepared and filed Suspicious Activity Reports (SARs) for both banking and brokerage transactions in compliance with FINRA, SEC, and AML regulations.
- Collaborated effectively with cross-functional teams to ensure seamless coordination and communication during AML investigations.
- Investigated suspicious brokerage account activity, including unusual securities transactions, rapid trade patterns, and potential insider trading or market manipulation.
- Monitored brokerage and banking transactions using trade surveillance and AML monitoring systems, reducing false positives through risk-based review.
- Conducted Enhanced Due Diligence (EDD) on high-risk brokerage clients, including politically exposed persons (PEPs) and complex corporate structures.
- Contributed to successful regulatory audits by diligently maintaining up-to-date documentation on all investigative findings and actions taken.
AML Analyst
New Bold Advisors
01.2013 - 05.2017
- Performed yearly reviews of bank policies and procedures to evaluate compliance with regulatory requirements and standards.
- Actively contributed to the continuous improvement of the organization''s AML program by sharing experiences, knowledge, and lessons learned with team members.
- Reviewed financial documents, pointing out and correcting financial errors.
- Orchestrated update and integration of important changes into institutional operations.
- Investigated fraud referrals and performed research to minimize risk and resolve inquiries.
- Contributed to the development and implementation of robust AML controls within the organization''s operational framework.
- Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents.
- Conducted due diligence investigations to mitigate potential risks associated with high-risk customers.
- Prepared and submitted (SARs) in accordance with regulatory requirements.
Education
Master of Arts - Criminal Justice
Grambling State University
Grambling, LA12.2020
Master of Science - Business Management
Grambling State University
Grambling12.2017
Skills
- AML/KYC Expertise: Deep knowledge of anti-money laundering and know-your-customer regulations across banking, fintech, crypto, and brokerage
- SAR & CTR Reporting: Skilled in drafting compliant Suspicious Activity Reports and Currency Transaction Reports in line with BSA, FinCEN, OFAC, and other global standards
- Brokerage & Investment Oversight: Proficient in monitoring/tracking unusual brokerage and trading account activity
- Risk & Due Diligence: Performs high-level CDD/EDD and risk assessments for high-risk and international clients
- Transaction Monitoring: Experienced with Actimize, LexisNexis, and World-Check for detecting suspicious patterns
- Investigations & Reporting: Conducts in-depth financial crime investigations, prepares audit-ready reports, and communicates findings to stakeholders
- Policy & Training: Develops AML/KYC policies, procedures, and delivers training/mentorship to staff
Timeline
AML Investigator
MBO Partners
04.2024 - 06.2025
Senior QA/AML Analyst
Genpact
06.2017 - 03.2024
AML Analyst
New Bold Advisors
01.2013 - 05.2017
Master of Arts - Criminal Justice
Grambling State University
Master of Science - Business Management
Grambling State University