Marissa Cabalar
Santee,CA
Summary
Committed leader with dedication to partnering with coworkers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of employees in dynamic, fast-paced settings. Well-versed in collaborating with employees and leaders to resolve control and procedural problems negatively affecting BSA / AML operations.
Overview
12
12
years of professional experience
1
1
Certification
Work History
BSA Supervisor Enhanced Due Diligence
PACIFIC WESTERN BANK
11.2022 - Current
- Managed a team 15 analyst
- Ongoing Maintenance of BSA EDD Desktop procedures
- Assist the BSA Officer and Deputy BSA Officer during regulatory audits and exams
- Assist in preparation of annual BSA/AML and OFAC Risk Assessments
- Ensure staff adheres to compliance programs and the completion of all required assigned online trainings
- Ensure staff adheres to assigned deadlines for Annual EDD reviews
- Ownership of the quality and process of their unit’s output; and their understanding of sound BSA/AML practices.
- Participated in design and testing of prototypes.
- Analyzed technical and business needs and documented requirements to translate into functional, non-functional and technical specifications.
- Facilitated and elicited actionable requirements documentation to enable successful implementation.
- Delivered requirements, performed analysis and evaluated downstream business, systems, processes and organizational impacts.
Sr. BSA Analyst Quality Control
PACIFIC WESTERN BANK
06.2021 - 11.2022
- Review and Approval all Trade Finance transactions are reviewed for compliance with Red Flags, OFAC Sanctions and the BIS Denied Persons List prior to the transaction being processed
- Review combined EDD and HRA reviews completed in the review month of current high risk customers to ensure reviews have been completed, in accordance with the Bank’s policies regarding frequency
- Review a sample of the Alerts will provide a cross section of all alert channels and allows for an accurate assessment of an analyst’s risk awareness and identification of trends/typologies
- Review a sample of all SARs will be reviewed to ensure that Quality standards are met by confirming that suspicious activity is properly identified and documented and that all KYC/Due Diligence standards are adhered to
- Produces thorough but concise documentation of investigative findings including activity analysis and decision rationale
- Provided training to external departments such as Trade Finance Group
- Maintain well organized electronic records (including Excel spreadsheets)
- Trained junior personnel in testing policies during onboarding and through remedial education.
- Collaborated with upper management to drive strategy and implement new processes.
Sr. BSA Analyst Enhanced Due Diligence
PACIFIC WESTERN BANK
10.2020 - 06.2021
- Maintain well organized electronic records (including Excel spreadsheets)
- Assists with mentoring and training less experienced BSA/AML Analysts
- Provide positive feedback to Analyst on EDD reviews to help better their quality
- Assist EDD Supervisor with managing reports sent to Upper Management
- Improved systems by studying current practices and designing modifications.
- Collaborated with upper management to drive strategy and implement new processes.
BSA Analyst
PACIFIC WESTERN BANK
05.2018 - 10.2020
- Maintains the EDD risk rating and monitoring program to include initial and ongoing assessments, and reviews and analyzes unusual account activity
- Correspond with Bank Branch Personal in a professional matter in regards to unusual or suspicious activity
- Submit Questionable Activity Reporting to appropriate department if unusual activity is found during review period
- Conducts time-sensitive investigations of alerted and referred transactions/clients for suspicious activity, utilizing a number of internal and external resources
Assistant Vice President, Sr. Client Officer
CITY NATIONAL BANK
12.2017 - 05.2018
- Assists the Client Manager in supervising and participates in the operations, client service, and internal sales activities of the branch
- Supervises and assists in overseeing the operations and client services activities of the branch to include all consumer transactions and standard deposit products and services
- Monitors and maintains operations procedures for compliance to regulations
- Plans and administers colleague schedules and internal workflow
Client Officer
09.2015 - 12.2017
- Order supply of cash to meet daily needs
- Receive and count daily inventories of cash, drafts, and travelers' checks
- Prepare and verify cashier's checks
- Quote unit exchange rates, following daily international rate sheets or computer displays
- Prepare work schedules for staff.
Sr. Client Specialist
City National Bank
La Jolla, CA
08.2013 - 09.2015
- Perform teller duties as required
- Refer customers to appropriate bank personnel to meet their financial needs
- Compile information about new accounts, enter account information into computers, and file related forms or other documents
Teller
US BANK
07.2012 - 07.2013
- Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds
- Balance currency, coin, and checks in cash drawers at ends of shifts, and calculate daily transactions using computers, calculators, or adding machines
- Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
Teller
WELLS FARGO
06.2011 - 07.2012
- Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips
- Enter customers' transactions into computers to record transactions and issue computer-generated receipts
- Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
Education
Associate of Arts - English
Grossmont Community College
San Diego, CA06.2010
Some College (No Degree) - Management
City of San Diego, California
San DiegoSkills
- Planning Experiments
- Staff Management
- Workflow Processes
- Train Staff
- Analyze Data
- System Review
- Business Process Management
Certification
Certified Trade Finance Compliance, London Institute of Banking & Finance - June 2025
Certified Fraud Investigator, California Financial Crimes Investigators Association - February 2026
Accomplishments
- Collaborated with Human Resource personnel in the development of Employee Resource Group - GenUnited with the purpose of bringing professionals of all generations together to mutually advance each other’s careers and drive growth and success.
Timeline
BSA Supervisor Enhanced Due Diligence
PACIFIC WESTERN BANK
11.2022 - Current
Sr. BSA Analyst Quality Control
PACIFIC WESTERN BANK
06.2021 - 11.2022
Sr. BSA Analyst Enhanced Due Diligence
PACIFIC WESTERN BANK
10.2020 - 06.2021
BSA Analyst
PACIFIC WESTERN BANK
05.2018 - 10.2020
Assistant Vice President, Sr. Client Officer
CITY NATIONAL BANK
12.2017 - 05.2018
Client Officer
09.2015 - 12.2017
Sr. Client Specialist
City National Bank
08.2013 - 09.2015
Teller
US BANK
07.2012 - 07.2013
Teller
WELLS FARGO
06.2011 - 07.2012
Associate of Arts - English
Grossmont Community College
Some College (No Degree) - Management
City of San Diego, California