Mykeya Williams

• Escalate appropriate risk items and other issues to closure
• Executes quantitative credit/behavioral/financial analytics or predictive modeling to generate insights
and offer recommendations
• Gather and process statistical data in order to forecast team workflow requirements.
• Engage and perform KYC initial exception
• Monitors, tracks, and identifies suspicious activities and other trends through various systems
• Provide assistance to WKO middle officers and KYC officers
• Gather updated information for rescinding and escalation for updates regarding remediations in order
to comply with client regulations
• Perform end-to-end of AML and KYC/CIP client due diligence process and performing KYC/CIP Quality
Control checks to highlight deficiencies and improve data quality
• Perform data searches and/or other ad-hoc requests
• Monitor various lending team portfolios for credit risk issues such as low to high risk, including but not
limited to: exception reporting, compliance, trend analysis, and identification of emerging risks
• Partners to deliver on Bank strategies across lines of defense by effectively developing and improving
complex analytical frameworks, analyzing data and processes, and communicating information and
insights to key stakeholders and leadership
• Create and perform ECI for new account and some renewals for commercial business, agent accounts
• Review and prep ownership docs/packages
• Revise if needed CB temporary exceptions
• Complete duplicate ECIDs and blending requests
• Conduct regulatory and sanction screenings as well as review domestic consumer cases and support
complex periodic review processes
• Request & submit CDM client data and removal for Alias or BVD/JID on accounts
• Create hierarchy maintenance requests for new parent types
• Escalate unusual activity to the Financial Intelligence Unit (FIU) and assist with escalating potential risk

• Identified key risks in the current client lifecycle management process.
• Ensured the client vetting data and documentation processing comply with regulations, guidelines standards and policies.
• Conducted completion of final Due Diligence Checklist and negative news searches.
• Maintained subject matter expertise of applicable anti-money laundering laws, regulations and supported the Front Office by providing KYC compliance requirements.
• Reviewed higher and high-risk client relationships to ensure that client due diligence is complete accurately, and whether the client's actual activity was consistent to the client's expected activity.
• Review DCI, risk factors, negative news/adverse news
• Review TMO for transitional activities
• Complete narrative and Identify information for legal entities and documentary verification through open source searches
• Reporting escalations for bank risks and closure of accounts

• Investigate large amounts of cryptocurrency being repeatedly exchanged between accounts

• Research and review current and emerging trends involving cryptocurrency and other digital assets

• Experience with and knowledge of blockchain analysis across various crypto products
• Knowledge of anti-money laundering regulations and applicable rules (i.e. BSA, FinCEN, NYDFS), especially relating to virtual currencies
• Supporting Customers by verifying all the required elements to open / maintain the account
• Collecting and analyzing basic identity information following standard Know Your Customer (KYC) procedures from approved internal and external data sources
• Managing work queues across processes and prioritizing to minimize operational impact
• Working knowledge of AML/Financial Crime red flags, risks, investigation processes and reporting requirements
• Working alerts/cases in case management systems and utilizing vendor-based research systems
• Reviewed 12 alerts per day to clear or escalate specific cases
• Diligently investigated institutional activities to verify the legality of transactions, write SARs reports
• Completed all required paperwork within anticipated timeframes.

• Respond to, research and resolve escalated inquiries and complaints requiring special handling and that may have been forwarded by management committee members, agencies, and/or senior business leaders. This may include a review of in-process, closed or cancelled single loan/credit exceptions, applications, claims, files and/or online transactions to determine if processes and documentation are in compliance with internal company requirements, contractual terms/ conditions, insurer guidelines, investor requirements and/or government regulations
• Perform intake to determine appropriate course of action, conducting investigative steps to fully identify the issues, researching product information, terms, conditions and contracts, creating correspondence as needed, processing complex and/or corrective transactions on-line (including monetary and non-monetary actions)
• Ensure resolution/ negotiation of sensitive and/or time-critical matters Recommend standards, policies, and/or procedures to correct deficiencies
• Ensure identified risks and/or problems are clearly documented
• Refer recommendations exceeding authority levels and/or items unable to meet resolution to management for review
• Serve as an intermediary to resolve disputed matters; negotiate and enact settlements, project work to identify process improvements, generate reports and summarize results

• Centralized documentation department perform pre-funding QC - Conduct pre-funding loan file quality control reviews, including review of credit report, appraisal, occupancy, red flags, underwriting and compliance
• Prepare loan documents for various types of loans including Commercial Real Estate, Commercial Term Loans and Revolving Lines of Credit, Residential Construction, Lines of Credit, Consumer Loans, Consumer Real Estate Loans, SBA loans, and Letters of Credit in an accurate and timely manner
• Review attorney prepared loan documents for accuracy
• Produce renewal and/or change in terms loan documents as needed
• Perform Pre-Funding loan documents review for other Pre-Funding Specialist prior to closing
• Ensure proper approvals are on credit memos and verify loan document guidelines are accurate
• Coordinate with title company, lending assistant, loan officer and commercial attorney to ensure they are ready for closing
• Finalize Pre-Funding checklist to confirm terms match loan approval, all closing documents have been executed, settlement statement is what was pre-approved
• Communicates with Loans assistants, Lenders, and third-party originating entities/vendors
• Other project and tasks as may be assigned by management.

• Conduct research over available Bank systems, the Internet and Commercial Databases consistent with the resolution of case reviews and investigations
• Collect and examine financial statements and documents to assist in identifying unusual transaction patterns
• Document and report the review/investigation findings and prepare case files with required supporting documentation (e.g
• Media search results, copies of statements/checks, results from internal system searches etc.) Follow-up with additional Point(s) of Contact (POC) as needed to identify additional information in support of the case
• Liaise with other FIU units, Advisory, Business Compliance teams, CSIS, FIU Legal, GIU, and Law Enforcement
• Draft and file Suspicious Activity Reports (SARs) consistent with FinCEN requirements Recommend relationship retention or termination and track account closures as required.
• Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
• Strengthened AML compliance by conducting thorough risk assessments and monitoring transactions.