Mariam Okulaja
Katy,TX
Summary
Detail-oriented BSA/AML Analyst with extensive experience in conducting complex investigations and training team members. Proven ability to analyze financial documents and transactions, ensuring compliance with AML laws and regulations. Committed to enhancing operational efficiency and delivering timely, accurate reporting. Expertise in anti-money laundering investigations, with a strong track record in analyzing high-risk transactions and identifying fraudulent activity.
Overview
9
9
years of professional experience
1
1
Certification
Work History
BSA/AML Analyst
Madison davids
New York, NY
12.2022 - Current
- Performed detailed analysis to detect patterns, trends, anomalies, and schemes in transactions and relationships across multiple businesses and personal accounts (SARs).
- Assisted in the preparation of the annual Risk Assessment Report of services and products.
- Conduct quarterly reviews of the timeliness, accuracy, and quality of SARs, Escalated Alerts, and Closed Alerts (no SAR filed).
- Perform reviews of domestic and international wire transfers, PEP, OFAC, high-risk customers, identity theft, and elderly financial exploitation, as requested by the BSA/AML Compliance Officer.
- Train BSA Staffing/Financial Investigation Teams on how to detect suspicious activity, such as structuring, money laundering, fraud, check kiting, and elderly financial exploitation.
- Attend BSA/AML conferences and seminars in order to stay current with the new laws and regulations.
Anti-Money Laundering & KYC Investigator
Genpact
Richardson, TX
11.2020 - 11.2022
- Knowledgeable in different areas of AML/fraud investigation including SAR filing and working independently day to day with minimal guidance from Management.
- Identify process improvements.
- Basic daily functions are working the Detection Queue in our payment Monitoring System Alerts are generated and worked at a rapid pace requiring quick decision making, attention to detail.
- Account maintenance, customer service and assistance, and reporting/tracking involved in the successful performance of this role.
- Meet Basic KPl's and SLA's must be met on a regular and consistent basis.
- Ensure compliance with AML laws, regulations, guidelines, written procedures; OFAC, CIP, KYC, and effectively conduct AML /KYC on new individuals and entities.
- Evaluates and analyzes information uncovered during investigations and filing of Suspicious Activity Reports (SAR).
- Conducts moderately complex to complex investigations on high-risk customer accounts involving potential instances of money laundering and financial fraud in a virtual currency Identify accurate risk rating for individual accounts to highlight risk jurisdictions, cash intensive, Politically Exposed Persons (PEPs), and other high-risk factors.
- Verify all aspects of Client Identification Program (CIP) and ensure necessary account opening documents are provided in accordance with Know Your Customer (KYC), USA PATRIOT Act, and Bank Secrecy Act (BSA) standards Skills Analytical Reasoning.
- Critical Thinking Fraud Investigations and Deadline Management.
- Identifies and investigates suspicious activity in support and fulfillment of Bank Secrecy Act/ Anti Money Laundering (BSA/ AML) regulatory requirements.
- Analyzes cryptocurrency transactions on and off the blockchain to detect suspicious activity and decides on appropriate action.
Anti-Money Laundering Analyst
Mechanics Bank
CA
06.2019 - 10.2020
- Demonstrated in-depth internet research skills, analytical and problem-solving skills with emphasis on accuracy and attention to detail.
- Supported projects involving strategic qualitative analysis, financial quantitative analysis, and research.
- Gathered, analyzed, and interpreted data related to the scope of the project.
- Prepared presentations and participates in crafting other documents for the project team and client.
- Participated in the interviews of financial executives, corporate directors, and regulators.
- Assisted with project planning, team organization, and coordination.
- Participated in business development and client strategic planning processes.
Anti-Money Laundering Analyst/waste and Fraud Investigator
The Bank of Delmarva
DE
02.2019 - 06.2020
- Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
- Demonstrate an ability to work efficiently with an attention to detail in investigations, analysis, and writing.
- Assist the investigations team in its investigation and analysis of each instance of potential Anti-Money Laundering activity and/or suspicious financial activity across multiple jurisdictions and countries by collecting and analyzing data, utilizing a variety of research and analytical tools, and assisting with projects as needed.
- Work on processing of Due Diligence, Sanctions Filtering, Bank Secrecy/Cash Reporting, and/or CIP.
- Proactively support multiple work streams or project teams to execute against an existing project or work plan.
- Promote, manage and deliver the continuous improvement of activities and service delivery.
- Display effective organization skills, managing multiple and competing priorities and coaching others to improve these skills.
- Propose solutions to manage client expectations and manage the delivery of the solution.
KYC Analyst
Bank of Idaho
ID
03.2018 - 02.2019
- Review documentation to prevent fraud, money laundering, and identity theft losses.
- Document and report all findings in case management software.
- Prepare management reports on department activities and findings.
- Present strategies and findings at monthly department meetings.
- Support development of procedural improvements to maximize effectiveness.
- Conducted KYC formality reports on questionable accounts and transactions.
- Adjusted end-to-end KYC process needs to align with workforce capabilities.
- Monitored testing results on related controls from business unit compliance officers.
- Facilitated communication with the onboarding team to gather information and onboarding documentation.
Anti-Money Laundering | BSA Analyst
Trail West Bank
MT
01.2017 - 03.2018
- Implemented AML monitoring and transferring system initial threshold setting and tuning and deploying the system.
- Developed and maintained partnerships with federal and state law enforcement agencies to facilitate investigations.
- Performed periodic file reviews ensuring activities are reviewed in a holistic manner across the spectrum of products and services used by the customer.
- Ensured CDD is properly performed by the LOBs and EDD is applied in cases were warranted to mitigate AML/TF.
- Compiled evidence and documentation in compliance with BSA/AML regulatory requirements.
- Analyzed large quantities of information, identifying trends including establishing appropriate metrics to determine changing risk elements.
- Reacted to rising risk exposure by recommending appropriate controls and creating a culture of continuous process improvement.
Education
Pharmaceutical -
Altierus Career College
Houston, TXBSc - Finance & Business Administration
Bayero University
Kano, NigeriaHigh school or equivalent -
Bopton comprehensive High school
Skills
- Proficient in MS Office
- EDD
- CDD
- SPDD
- Reporting and analysis
- Multi-tasking strength
- Alert clearing
- Negative News
- SAR Reviewer / Writing
- Financial transaction monitoring
- Fraud Investigator
- Fraud detection
- Due diligence
- Effective communication
- Critical thinking
- Attention to detail
- Team collaboration
- Know your customer
- Bank secrecy act
- Sanctions screening
- TOOLS
- Verafin,SAS VI,Thomas Reuter clear,Pivot Table, AML Tool lit; SAS,Salesforce, Lexis Nexis, Accurint, Siebel, Confluence, AWS, BI Launch Pad, PeopleSoft, Safer Payments,MS Office
Certification
CFE Certification, in progress, 03/2025
Timeline
BSA/AML Analyst
Madison davids
12.2022 - Current
Anti-Money Laundering & KYC Investigator
Genpact
11.2020 - 11.2022
Anti-Money Laundering Analyst
Mechanics Bank
06.2019 - 10.2020
Anti-Money Laundering Analyst/waste and Fraud Investigator
The Bank of Delmarva
02.2019 - 06.2020
KYC Analyst
Bank of Idaho
03.2018 - 02.2019
Anti-Money Laundering | BSA Analyst
Trail West Bank
01.2017 - 03.2018
Pharmaceutical -
Altierus Career College
BSc - Finance & Business Administration
Bayero University
High school or equivalent -
Bopton comprehensive High school