Tricia Miles
Lehi,UT
Summary
CAMS Certified BSA/AML Senior Analyst specializing in regulatory compliance, audit support, and process improvements. Proven track record in managing complex investigations and enhancing operational efficiency in high-stakes environments.
Overview
12
12
years of professional experience
1
1
Certification
Work History
BSA/AML Senior Analyst
Capital Community Bank
Pleasant Grove, UT
09.2023 - Current
- Serve as primary KYC subject matter expert for the compliance team and Fintech partner oversight initiatives.
- Coordinate directly with executive leadership and report findings to the BSA Officer/VP regarding investigations, audits, and compliance concerns.
- Pull and compile reports for audits, testing initiatives, and monthly board reporting.
- Review audit findings, identify areas for improvement, and address inaccurate or unsupported findings.
- Review and assess KYC processes, onboarding controls, and process changes for Fintech partners.
- Helped evaluate transaction monitoring and oversight platforms for Fintech integrations.
- Overhauled the bulk entity reporting process for Fintech partners to improve regulatory compliance and operational efficiency.
- Assisted with evaluation and implementation review of Persona identity verification platform integration.
- Serve as primary point of contact for 314(b) coordination and FRAMLx collaboration efforts.
- Conduct internal escalation investigations involving high-risk activity and suspicious transactions.
- Independently manage the full lifecycle of high-risk and sensitive investigations, including drafting detailed Suspicious Activity Reports (SARs) for management review and filing.
- Trained and onboarded new analysts and participated in candidate interviews during department expansion.
- Developed and coordinated team training sessions, webinars, and regulatory update communications.
Fraud Specialist Processing
Merrick Bank
South Jordan, UT
08.2019 - 09.2023
- Reduced instances of fraud by implementing comprehensive detection and prevention strategies.
- Collaborated with multiple departments to identify where fraud could be prevented in early application processes.
- Pioneered adoption of biometric verification technologies, significantly reducing identity theft incidents.
- Facilitated cross-departmental workshops on fraud prevention, fostering a culture of awareness and vigilance.
- Identified patterns associated with organized and repeat fraudulent activity.
- Assisted with special fraud-related projects and contributed operational recommendations.
- Supported process improvement initiatives and departmental efficiency efforts.
- Worked closely with leadership regarding fraud trends, operational risks, and customer impact.
- Conducted thorough investigations into suspicious account activities, mitigating potential financial losses.
- Led initiatives to refine internal policies, ensuring alignment with regulatory requirements and industry best practices.
- Evaluated customer datea to identify and prevent fraudulent activity
Fraud Analyst Tier 2
Spectrum Mobile - Convergys
Taylorsville, UT
09.2018 - 08.2019
- Aided with initial product launch and development of departmental practices.
- Conducted account reviews to identify suspicious patterns and escalated high-risk activity.
- Reviewed customer documentation and account activity to mitigate fraud risk and prevention loss.
- Trained junior specialists on fraud detection and investigation techniques.
- Reduced fraud losses by implementing effective fraud prevention strategies and monitoring systems.
- Conducted reviews on customer data to identify fraudulent activity.
Customer Care Associate
Questar/Dominion Energy
Salt Lake City, UT
11.2015 - 09.2018
- Actively networked to achieve collaborative interdepartmental relationships to ensure customer safety and satisfaction.
- Initiated cross-departmental collaboration to facilitate "Best Practices" that aided in prevention of fraud, subterfuge along with higher success of skip-trace efforts.
- Provided exceptional customer support through effective communication and problem-solving techniques.
- Resolved billing issues, enhancing customer satisfaction and loyalty through proactive engagement.
Sales Associate
ClearLink
West Valley, UT
08.2014 - 11.2015
- Contributed to team objectives in a fast-paced environment.
- Performed effectively in self-directed work environments, managing day-to-day operations and decisions.
- Navigated to a Lead Training position, maintaining the lowest attrition rate across the board.
- Maintained sales statistics required for inbound sales representatives while also working in the training department.
Skills
- Report preparation
- Process improvements
- Multiple priorities management
- Project management
- Deadline adherence
- Regulatory compliance
- Audit support
- Compliance analysis
- Complex Problem-solving
- Research and analysis
Certification
CAMS Certification
ADDITIONAL INFORMATION
Additional career history and references available upon request.
Timeline
BSA/AML Senior Analyst
Capital Community Bank
09.2023 - Current
Fraud Specialist Processing
Merrick Bank
08.2019 - 09.2023
Fraud Analyst Tier 2
Spectrum Mobile - Convergys
09.2018 - 08.2019
Customer Care Associate
Questar/Dominion Energy
11.2015 - 09.2018
Sales Associate
ClearLink
08.2014 - 11.2015