Morgan Smith
Minneapolis,MN
Summary
Accomplished Fraud and Financial Crimes Investigator with over 7 years of experience in complex investigations focused on fraud, anti-money laundering, and regulatory compliance. Expertise in transaction monitoring, customer due diligence, and suspicious activity report analysis. Skilled at identifying financial crime trends and collaborating across teams to mitigate risk and ensure regulatory adherence.
Overview
9
9
years of professional experience
Work History
Investigator II
Ameriprise Financial
Minneapolis, MN
03.2024 - Current
- Conduct complex investigations involving suspected fraud, financial crimes, and suspicious account activity to protect client assets and mitigate organizational risk.
- Analyze customer transactions, account activity, and behavioral trends to identify fraud indicators and recommend appropriate actions.
- Review and investigate wire transfers, banking instructions, and other high-risk financial transactions to identify unauthorized activity and potential financial crimes.
- Analyze wire requests, account changes, and banking instructions for accuracy, authenticity, and compliance with internal controls and regulatory requirements.
- Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews in accordance with company policies and regulatory expectations.
- Evaluate customer risk based on geographic location, occupation, transactional behavior, industry, and adverse media.
- Prepare detailed investigative reports supporting internal decision-making, regulatory compliance, and audit requirements.
- Partner with internal business units to resolve high-risk investigations while maintaining exceptional client service.
Senior Fraud & Claims Consultant
Wells Fargo
Minneapolis, MN
10.2023 - 06.2024
- Led investigations involving unauthorized transactions, account takeovers, check fraud, and other complex fraud claims.
- Evaluated financial documentation and evidence to determine claim validity while minimizing financial losses.
- Identified suspicious activity and escalated potential financial crimes through appropriate investigative channels.
- Conducted Enhanced Due Diligence (EDD) reviews and documented suspicious activity supporting regulatory reporting requirements.
- Drafted Suspicious Activity Reports (SARs) and investigative summaries.
- Collaborated with compliance, legal, and operational partners to resolve high-risk fraud investigations.
Investigator II
Ameriprise Financial
Minneapolis, MN
09.2021 - 10.2023
- Conducted fraud investigations involving suspicious transactions and financial crimes.
- Monitored account activity to identify and address emerging fraud trends and suspicious behavior.
- Performed Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews.
- Evaluated customer risk factors and documented findings to inform risk mitigation strategies.
- Prepared reports to ensure compliance with audits and regulatory requirements.
- Maintained thorough case documentation throughout the investigative process.
AML Investigator
U.S. Bank
Minneapolis, MN
06.2021 - 08.2021
- Conducted AML investigations in accordance with the Bank Secrecy Act (BSA) and internal compliance requirements.
- Analyzed transaction monitoring alerts, identifying and documenting suspicious financial activity for further investigation.
- Drafted and submitted Suspicious Activity Reports (SARs), highlighting key findings for regulatory review.
- Conducted CDD and EDD reviews for new and existing customers.
- Collaborated with business partners to maintain and enhance compliance with regulatory standards.
Correctional Officer
Hennepin County DOCCR
Minneapolis, MN
09.2020 - 05.2021
- Ensured safety and security within correctional facility by enforcing departmental policies and procedures, contributing to a secure environment.
- Investigated inmate incidents, prepared detailed reports, and applied crisis intervention and de-escalation techniques to mitigate conflicts.
- Coordinated inmate transportation and managed documentation to ensure compliance with legal and regulatory standards.
Detention Deputy
Hennepin County Sheriff’s Office
Minneapolis, MN
09.2019 - 06.2020
- Supervised inmate intake, housing, transportation, and daily operations to maintain security and order in detention environment.
- Responded to emergency situations, ensuring adherence to departmental policies and safety standards to protect staff and inmates.
- Conducted investigations into inmate incidents and developed reports for legal proceedings, ensuring accurate documentation.
BSA/AML Investigator
TCF Bank
Minneapolis, MN
04.2019 - 08.2019
- Investigated suspicious financial activity and conducted transaction monitoring to ensure compliance with AML/BSA regulations.
- Executed CDD/EDD reviews and drafted Suspicious Activity Reports (SARs) to support regulatory compliance.
- Documented investigative findings and collaborated with compliance teams to address and reduce financial crime risk.
Enrollment Processor
Optum
Minneapolis, MN
09.2017 - 03.2019
- Reviewed enrollment applications and verified documentation to ensure compliance with regulatory standards.
- Conducted identity verification and detailed account reviews to enhance fraud detection efforts.
- Maintained accurate records while ensuring adherence to internal policies and healthcare regulations.
Education
High School Diploma -
DeLaSalle
MinneapolisAssociate of Science -
North Hennepin Community College
Minneapolis, MNSkills
- Fraud Investigations
- Financial Crimes
- Money laundering
- Transaction Monitoring
- Risk Assessments
- Regulatory Compliance
- Customer diligence
- Enhanced diligence
- Activity investigations
- Bank review
- Case Management
- Report Writing
- Critical Thinking
- Cross-Functional Collaboration
- Microsoft Office Suite
- Microsoft Office Suite
Timeline
Investigator II
Ameriprise Financial
03.2024 - Current
Senior Fraud & Claims Consultant
Wells Fargo
10.2023 - 06.2024
Investigator II
Ameriprise Financial
09.2021 - 10.2023
AML Investigator
U.S. Bank
06.2021 - 08.2021
Correctional Officer
Hennepin County DOCCR
09.2020 - 05.2021
Detention Deputy
Hennepin County Sheriff’s Office
09.2019 - 06.2020
BSA/AML Investigator
TCF Bank
04.2019 - 08.2019
Enrollment Processor
Optum
09.2017 - 03.2019
High School Diploma -
DeLaSalle
Associate of Science -
North Hennepin Community College