Marilyn De La Torre
Litchfield Park,AZ
Summary
Financial Crimes Associate with 4+ years of experience in Fraud, AML, BSA investigations, over 14 years in financial services at Wells Fargo, and 20 years of customer service experience. Proven ability to identify financial crime risks, analyze complex transactions, and prepare investigative findings in compliance with regulatory requirements. Strong background in complaint resolution, consent order remediation, and cross-functional collaboration. Recognized for sound judgment, attention to detail, and risk-based decision-making.
Experienced with managing diverse tasks and supporting team initiatives. Utilizes organizational skills and attention to detail to enhance operational efficiency. Track record of effective collaboration and problem-solving in fast-paced settings.
Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Overview
15
15
years of professional experience
Work History
Financial Crimes Associate
Wells Fargo (WF)
06.2021 - Current
- Conduct in-depth fraud and AML investigations to identify suspicious activity, trends, anomalies, and financial crime schemes across multiple products and business lines
- Analyze transactional activity, customer behavior, and account relationships using internal systems and open-source intelligence
- Prepare detailed investigative summaries documenting findings, risk assessments, and recommended actions
- Determine escalation requirements for potential fraud, identity theft, and elder financial exploitation cases
- Collaborate with branch leadership, internal partners, and supervisors to resolve complex cases and mitigate risk
- Ensure adherence to regulatory guidelines while managing high case volumes and strict deadlines
Investigations Associate
WF Business Risk & Control Analyst (SSCOT)
06.2019 - 06.2021
- Researched and resolved complex verbal, written, and regulatory complaints involving ethical, legal, and compliance concerns
- Assessed operational and compliance risks and supported process improvement initiatives
- Managed individual caseloads while meeting Service Level Agreements (SLAs)
- Assisted in updating internal policies and procedures to align with regulatory requirements
- Supported consent order remediation projects and special investigations
- Built strong working relationships with business partners across multiple lines of business
Case Management
WF Research & Remediation Analyst I & II
08.2016 - 06.2019
- Investigated escalated, high-risk customer complaints involving fraud, identity theft, and account misconduct
- Reviewed account documentation, transaction history, and customer/banker communications to determine appropriate outcomes
- Partnered with compliance teams to ensure thorough investigations and risk mitigation
- Audited cases and provided coaching and feedback to peers
- Led training, onboarding support, and acted as a Subject Matter Expert (SME)
- Supported regression testing for quarterly system enhancements
Business Direct Loan Servicing Specialist III & IV
05.2015 - 08.2016
- Reviewed and finalized business loan applications, including booking, funding, and line increases/decreases
- Verified application accuracy while ensuring compliance with federal regulations
- Served as SME for complex loan cases and mentored new hires
- Promoted from LSS III to LSS IV based on performance, quality, and production metrics
- Participated in process improvement initiatives and special projects
WF Premier Phone Banker / Phone Banker
07.2011 - 05.2015
- Delivered high-volume customer service while maintaining strong quality and satisfaction metrics
- Handled escalations and provided peer coaching
- Marketed financial products to strengthen customer relationships
- Consistently met performance goals in a fast-paced, queue-based environment
Education
Bachelor of Science - Criminal Justice
University of Phoenix
Phoenix, AZHigh School Diploma - undefined
Primavera High School
Mesa, AZSkills
- Financial Crimes Investigations
- AML / BSA / Fraud Analysis
- SAR Support & Escalation
- Transaction Monitoring
- Risk Identification & Mitigation
- Regulatory Compliance
- Case Management & Reporting
- Elder Financial Exploitation
- Identity Theft Investigations
- Consent Order & Remediation Work
- Customer Complaint Resolution
- Cross-Functional Collaboration
- Leadership qualities
- Customer interaction
- Workplace safety
- Customer engagement
- Decision-making
- Complex Problem-solving
- Courteous and professional
- Flexible schedule
- Work Planning and Prioritization
- Oral communication
- Product knowledge
- Issue resolution
- MS office
- Customer service orientation
- Management support
- Customer relationship management (CRM)
- Policy implementation
- Practice management
- Record and file management
- Preparing reports
- Loss prevention
ADDITIONAL INFORMATION
- Bilingual: English & Spanish
- Experienced in regulatory remediation and consent order environments
- Strong written documentation and investigative reporting skills
Languages
Spanish
Native or Bilingual
Timeline
Financial Crimes Associate
Wells Fargo (WF)
06.2021 - Current
Investigations Associate
WF Business Risk & Control Analyst (SSCOT)
06.2019 - 06.2021
Case Management
WF Research & Remediation Analyst I & II
08.2016 - 06.2019
Business Direct Loan Servicing Specialist III & IV
05.2015 - 08.2016
WF Premier Phone Banker / Phone Banker
07.2011 - 05.2015
High School Diploma - undefined
Primavera High School
Bachelor of Science - Criminal Justice
University of Phoenix