Lewis Stephens
Charlotte,NC
Summary
Skilled professional over 13 years experience in banking and over 9 years experience compliance and fraud. Experience in TIL, RESPA, USA Patriot Act, ECOA, BSA, AML and other banking regulations. Successful in creating and implementing programs to increase productivity, timeliness, quality, and customer service while maintaining compliance standards. Skilled at applying creative solutions to complex problems. Experienced in supervising, training and coaching teams of people. Result oriented and dependable person who excels in a fast paced environment with strict deadlines. Experienced in reviewing financial documents and digital records. Effective at directing, monitoring and inspiring team members to complete accurate and timely investigations and reports. Talented in training employees, solving complex problems and making sound decisions.
Overview
23
23
years of professional experience
Work History
AML Compliance Investigator
Ally Bank
10.2021 - Current
- Participated in industry conferences and workshops, staying current on emerging trends in financial crime prevention techniques and best practices.
- Coordinated with international counterparts to share intelligence and best practices related to AML compliance investigation techniques.
- Supported management in responding to regulatory inquiries by providing well-documented evidence of compliance efforts and investigative results.
- Enhanced AML compliance by conducting thorough investigations and identifying suspicious activities.
Internal Enterprise Investigator
Consultant Synergy Legal (contract)
01.2018 - 04.2020
- Research and take action on any sales practice pressure that is applicable to the client and research any complaints that may arise from account opening either at the branch or call center file SAR if necessary.
Senior Risk Analyst
LPL Financial
10.2015 - 12.2017
- Advises Management of fraud trends and how business intelligence tools can be enhanced
- Researches and takes action on new methods of committing internal and external fraud
- Work with product and development teams to design and develop fraud tools for new and existing products
- Ensure proper mitigation efforts are taken on any/all significant trends related to fraud and AML
- Conducts regulatory –compliance and operational risk reviews to ensure compliance with FINRA and SEC rules and state and federal governance
- Conduct all foreign account reviews and OFAC alerts for new account openings and screen for PEP and Senior Political Figures
- Screen all Foreign Nationals thru OFAC and run monthly Metrics for Business Unit and FINCEN interpret laws and regulations for compliance advisory
- Conduct AML Investigations for CDD and onboarding of new advisors as well as maintaining AML refresh for Beneficial Ownership.
Fixed Asset Analyst
Family Dollar (Contract)
05.2015 - 10.2015
- Support senior colleagues in modeling investment portfolio and solution proposals, primarily for audit and compliance purposes
- Supporting store support team and reporting/communicating compliance issues as well as developing risk control mandates
- Collaborate with executive leadership and other management in conjunction with audits and special projects
- Oversee and coordinate all fixed asset related processes for federal and state income tax provisions and return filings
- Develop, implement and monitor all key functions related to inventory transactions to assure they are accurate and timely.
Business Analyst – Global Financial Crimes Investigation
Bank of America (Contract)
08.2014 - 02.2015
- Research, analyze, and troubleshoot data management issues for multiple systems
- Analyze Enterprise software and code that impacted existing departmental applications in effort to reduce downtime of critical business systems supporting retirement product
- Created and implanted departmental business processes as well as reference guide for technical tools
- Ensure reviews are compliant with GFCC Anti-money Laundering Standards/Guidance for reporting to FINCEN
- Identify control weaknesses and issue and make recommendations to management to close process gaps, mitigate risk, address Quality Assurance issues and address policy/procedure violations
- Review surveillance items flagged as potentially adverse media or PEP matches and potential matches to designated sanctions targets and prohibited persons lists
- Submit SARS.
Credit Investigator2
Wells Fargo
09.2008 - 08.2014
- Measure and analyze reporting metrics
- Identify training requirements
- Plan, execute and monitor new processes and procedure that increase team quality, efficiency and customer service
- Create and develop a system to improve the process of tracking and reporting data
- Test and monitor system alerts against BSA policy
- Provide training and mentoring to junior analysts
- Investigate complex commercial credit inquiries according to service level agreements
- Do Background Investigations for lines of business such as Commercial, Wealth Management and Brokerage for Compliance and Aml
- Create business requirements documents, data flowcharts, system content diagrams, process work flows, and detailed requirements
- Manage multiple and competing priorities and coaching others to improve their skills.
Team Lead – Risk and Credit Analysis
First Charter National Bank
08.2001 - 08.2008
- Analyze and formalize documentation of loan transactions or credit history of customers
- Perform credit risk analysis for various types of risk
- Assign risk rating
- Develop, negotiate, document, and service of loan structures
- Perform research analysis related projects, industry studies and management reports
- Develop test programs and oversight reporting to capture and quantify key results.
Education
lBSBA -
Scholars of America – Gardner –Webb University
Skills
- Microsoft Office
- Excel
- PowerPoint
- Outlook
- Oracle
- SQL
- Lexis Nexis
- Clear
- Enhanced Due Diligence
- Suspicious Activity Reporting
Areasofeffectiveness
- Anti Money Laundering
- Forensic Audit
- Risk and Credit Management
- Fraud
- Change Management
- Training and Development
- New Process Implementation
- Investigations
Timeline
AML Compliance Investigator
Ally Bank
10.2021 - Current
Internal Enterprise Investigator
Consultant Synergy Legal (contract)
01.2018 - 04.2020
Senior Risk Analyst
LPL Financial
10.2015 - 12.2017
Fixed Asset Analyst
Family Dollar (Contract)
05.2015 - 10.2015
Business Analyst – Global Financial Crimes Investigation
Bank of America (Contract)
08.2014 - 02.2015
Credit Investigator2
Wells Fargo
09.2008 - 08.2014
Team Lead – Risk and Credit Analysis
First Charter National Bank
08.2001 - 08.2008
lBSBA -
Scholars of America – Gardner –Webb University