Nilda Tineo
Land O' Lakes,FL
Summary
Banking-focused Anti-Money Laundering (AML) and Financial Crimes Analyst with deep expertise in FIU operations, SAR drafting, and high-volume transaction monitoring. Proven success supporting a digital bank within a Global Systemically Important Bank (G-SIB) environment, ensuring alignment with BSA/AML requirements, banking regulations, and internal risk frameworks. Recognized for delivering regulator-ready investigations, strengthening financial crime controls, and driving accurate, risk-based decisions that protect institutional integrity.
Overview
8
8
years of professional experience
Work History
Analyst, FIU- Financial Intelligence Unit
Jenius Bank
Los Angeles, CA
06.2024 - Current
- Analyzed 400-500 transactions monthly, conducting thorough reviews and investigations to detect and mitigate money laundering and financial crime risks in alignment with AML regulations.
- Evaluated financial data to identify and understand patterns and trends in money laundering and terrorist financing activities.
- Conducted thorough investigations, research, and analysis, documenting findings in case management system with clear, audit-ready narratives.
- Conducted thorough preparation and filing of Suspicious Activity Reports (SARs) to maintain adherence to FinCEN regulations.
- Presented investigation findings to senior management, emphasizing risk-based recommendations for account restrictions and closures.
- Facilitated establishment of investigation processes and workflow standards as second analyst in FIU during bank's start-up phase.
- Facilitated management in executing special projects, system enhancements, and complex investigations.
Compliance Anti-Money Laundering (AML) Execution Associate Global Analyst
CITIGROUP
Tampa, FL
02.2020 - 06.2024
- Led Level 1 and Level 2 Payment Transaction Reviews, analyzing transactional activity, identifying AML red flags, validating adverse media, and delivering clear investigative conclusions.
- Analyzed cross-border payment sanctions risks and monitored high-risk customer activities across Citi's extensive global banking network to ensure regulatory adherence.
- Conducted thorough investigations of suspicious activity, delivering defensible analyses to ensure regulatory compliance.
- Recommended enhancements to KYC profiles and sought supplementary documentation to address unexplained or high-risk transactions.
- Compiled and organized detailed documentation for regulators, ensuring alignment with internal audit standards and compliance requirements.
- Achieved and surpassed SLA quality and productivity targets while overseeing high alert volumes.
KYC Compliance Officer
CITIGROUP
Tampa, FL
09.2017 - 05.2019
- Led KYC onboarding and ongoing reviews for high-risk ICG clients, including Foreign Correspondent Banks (FCBs), Money Services Businesses( MSBs) and Special Purpose Vehicles (SPVs/funds).
- Reviewed and analyzed complex client profiles from an AML risk perspective, identifying adverse media, sanctions exposure, and AML program deficiencies.
- Partnered cross-functionally with Relationship Managers, AML Investigations, FIU, Advisory, and Business Support teams to resolve risk issues and strengthen controls.
- Compiled and presented risk assessments and supporting documentation, including adverse media, for senior management and Compliance review.
- Applied deep knowledge of BSA, Patriot Act, OFAC, SAR, and U.S. Treasury guidelines to ensure regulatory compliance and risk mitigation.
Education
High School Diploma -
Walter L. Sickles
Tampa, FLSkills
- AML / BSA Compliance & Financial Crime Risk
- FIU Investigations & SAR Reporting
- Transaction Monitoring & Risk Assessments
- KYC, CDD & EDD
- Regulatory Compliance (OFAC, Patriot Act)
- Internal Audit & Exam Support
- Case Management Systems (Actimize, Mantas, SAS)
- Stakeholder Collaboration & Executive Communication
- Process Improvement & Project Execution
- Data Analysis & Critical Risk Evaluation
- Microsoft Office Suite
- Bilingual: Spanish & English
Timeline
Analyst, FIU- Financial Intelligence Unit
Jenius Bank
06.2024 - Current
Compliance Anti-Money Laundering (AML) Execution Associate Global Analyst
CITIGROUP
02.2020 - 06.2024
KYC Compliance Officer
CITIGROUP
09.2017 - 05.2019
High School Diploma -
Walter L. Sickles
Other Recognitions
Between 2018-2024 received various Citi applause awards from business partners in Costa Rica, Ukraine and Russia for consistent efforts in prioritizing reviews for the ICG line of business in order to meet sustainability deadlines.