MARIA L. RENTERIA
San Diego,CA
Summary
Accomplished banking and financial services professional with over 30 years of experience, specializing in BSA/AML investigations. Recognized for fostering exceptional teamwork, flexibility, adaptability, and strong communication skills. Proven track record of collaborating effectively with senior executives to enhance organizational communication and efficiency. Expertise in conducting comprehensive fraud and suspicious activity investigations, preparing reports in adherence to FinCEN guidelines, and responding to regulatory requests. Skilled in training and developing employees, consistently recognized in performance reviews for delivering outstanding results and promoting a collaborative team environment across all organizational levels.
Overview
34
34
years of professional experience
1
1
Certification
Work History
Investigations Analyst II
Silvergate
11.2020 - 05.2023
- Conducted thorough investigation into suspicious activities related to cryptocurrency and fiat transactions, such as fraud, scams, money laundering and other complex financial crimes
- Prepared suspicious activity reports (SAR) following the FinCEN guidelines
- Initiated outbound 314b requests and promptly responded to 314b request from FinCEN participants
BSA/AML Analyst
Silvergate
07.2019 - 10.2020
- Executed periodic reviews/Enhance Due Diligence (EDD) on FinTech and traditional banking relationships
- Analyzed and dispositioned generated alerts from the bank’s Anti Money Laundering (AML) software (Verafin and FIS Prime)
- Daily verification of transferring files from core system FIS to Verafin or FIS Prime (bank’s AML software)
- Monitored the daily cash reports with the processing of the Currency Transaction Reports (CTR)
- Supported the investigation team with cases as needed
BSA Investigator
Neighborhood National Bank
01.2015 - 06.2019
- Conducted thorough investigation into suspicious activities related to fiat transactions and unusual account activity such as fraud, money laundering and other complex financial crimes
- Prepared SAR following the FinCEN guidelines
- Executed EDDs on high-risk customers that included MSB and Cash Intensive
- Data validation during the conversion process of bank’s new AML software known as Patriot Officer (transactional data and rules)
BSA Senior Analyst
Neighborhood National Bank
01.2009 - 12.2014
- Analyzed and dispositioned generated alerts from the bank’s Anti Money Laundering (AML) software (Verafin and Patriot Officer)
- Monitored the daily cash reports with the processing of high volume and complex CTRs
- Executed EDDs on high-risk customers that included Money Service Businesses (MSB) and Cash Intensive
- Assisted in developing alert procedures adhering to the bank’s BSA policies as recommended by the Office of the Comptroller of Currency (OCC)
- Led training session for the bank’s surveillance team on alert and EDD processes
- Conducted quality assurance (QA) on AML alerts, CTRs, and EDDs
BSA Analyst and Operations Supervisor
Neighborhood National Bank
09.2007 - 12.2008
- Conducted the site visits for the BSA department on MSB and Cash Intensive business customers
- Supported the branch managers on special operational projects
- Assisted on branch Supervisory Coverage during vacation or as needed
- Conducted surprise branch audits making sure they were adhering to the bank’s policies and procedures that adhered to the regulations
Operations Specialist/IT Assistance, Central Operations Specialist, Operations Supervisor, and Customer Service Representative
San Diego Community Bank
01.1989 - 12.2006
Education
Bachelor’s degree - College of Art and letters
San Diego State University
San Diego, CASkills
- Analytical Thinking
- Deadline Adherence
- Multitasking Abilities
- Organizational Skills
- Attention to Detail
- Decision-Making
- Quality Assurance
- Team Collaboration and Leadership
- Documentation And Reporting
- Data Research and Validation
Certification
ACAMS-Certified Anti-Money Laundering Specialist
Affiliations
Make a Wish San Diego, Wish Grantor and Greeter
Languages
Spanish
Professional Working
Timeline
Investigations Analyst II
Silvergate
11.2020 - 05.2023
BSA/AML Analyst
Silvergate
07.2019 - 10.2020
BSA Investigator
Neighborhood National Bank
01.2015 - 06.2019
BSA Senior Analyst
Neighborhood National Bank
01.2009 - 12.2014
BSA Analyst and Operations Supervisor
Neighborhood National Bank
09.2007 - 12.2008
Operations Specialist/IT Assistance, Central Operations Specialist, Operations Supervisor, and Customer Service Representative
San Diego Community Bank
01.1989 - 12.2006
Bachelor’s degree - College of Art and letters
San Diego State University
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