Patricia Thornton
Rosedale,NY
Summary
Experienced in reviewing financial documents and digital records. Effective at directing, monitoring and inspiring team members to complete accurate and timely investigations and reports. Talented in training employees, solving complex problems and making sound decisions.
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
17
17
years of professional experience
Work History
Associate in the Anti-Financial Crime Division
Deutsche Bank
New York, NY
11.2022 - 04.2023
- Worked within Actimize to compile and review information with pivot tables and charts.
- Acted as first level reviewer in making initial investigation decisions on correspondent banking BSA cases.
- Managed queue of cases, ensuring timely follow up of requests and adherence to escalation procedures.
- Performed analysis and duties pursuant to obligations under USA PATRIOT Act (Sections 314 (a) and 314 (b) requests).
- Conducted targeted account reviews on high-risk correspondent banking clients and analyze from holistic view of customers in terms of product offerings, services, and underlying transactions as well as escalate potential issues.
Senior Legal Associate
Metropolitan Commerical Bank
New York, NY
01.2022 - 04.2022
- Conducted EDD investigations of subject companies and individuals globally with the highest degree of professionalism, confidentiality, and quality.
- Summarize investigation findings through written reports.
- Review and approval of NDA's and marketing materials.
- Prepare subpoena responses as needed.
- Maintain knowledge of current due diligence techniques, internal company databases, internet sources, external proprietary database resources, and other applicable laws and regulations.
Senior Fraud Investigator (Contract)
Guidehouse (Remote)
New York, NY
02.2021 - 10.2021
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Identified sources of wealth, beneficial ownership, and affiliated entities to determine levels of eligibility for loans applied for.
- In depth review of spending habits to determine whether patterns of misappropriation of funds could be identified.
- Summarized all key information regarding investigation into detailed report for delivery to client.
Director of AML Compliance
Conotoxia Inc.
Chicago, IL
10.2018 - 12.2019
- Established and monitored compliance procedures to provide consistent implementation across departments.
- Collaborated to develop and implement code of business and ethics and anti-harassment policies and related personnel training.
- Oversaw and monitored violation tracking system for accuracy, reducing AML issues.
- Lead external multi-state regulatory exam to confirm compliance with applicable laws and regulations.
- Identified, investigated and documented compliance violations and recommended corrective measures.
- Collaborated with contract team to review client contracts and facilitate personnel compliance training.
- Prepared and presented comprehensive reports to upper management and audit team, covering issues and recommendations.
- Defined and developed policies and procedures for consumer reporting and privacy practices.
- Reviewed, revised and updated compliance policies and procedures to confirm continual compliance with applicable laws.
- Assumed to responsibility for NMLS filings to include: state license applications with supporting documentation, annual renewal documentation, quarterly reports, annual reports, and new employee registration documentation.
- Lead multi-state regulatory exam by gathering and submitting required documentation, maintaining communication with regulators, preparing review binders, created meeting schedule and secured location for exam, presented AML and training materials during exam, attended post exam meeting and provided additional documentation as required by the examiners.
- Conducted nationwide search, interviews and offer presentation for staff need to fill C-suite positions, as required.
Compliance Auditor/Monitor Team (Contractor/Hong)
Exiger Governance Risk Compliance
New York, NY
08.2017 - 10.2017
- Investigated and documented all violations of compliance regulations to determine necessary improvements.
- Collaborated with internal and external stakeholders, auditors and legal counsel to confirm compliance with applicable laws and regulations.
- Assisted with development of compliance objectives and strategies.
- Identified gaps in existing compliance processes and recommended updates.
- Assisted with post deployment KYC case review and findings report for the AG in charge.
Senior AML Investigator
Infinity Consulting Solutions
New York, NY
05.2016 - 07.2017
- Investigated system and manually generated alerts and performed research to minimize risk and resolve inquiries.
- Documented research findings to support risk-based decision-making and resolution to escalated alerted incidents.
- Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
- Built and established strong professional relationships with clients and financial institutions.
- Monitored financial transactions and immediately reported suspicious activity to authorities.
- Assisted onboarding team with KYC, EDD, and assigning risk ratings.
- Assisted KYC team with annual reviews and reassessment of risk ratings.
- Assisted with transition from Mantas to Actimize.
Project Coordinator (Contract)
K-Force Staffing
Chicago, IL
02.2016 - 05.2016
- Developed and implemented project plans and budgets to ensure successful execution.
- Sourced, vetted and managed vendors needed to accomplish project goals.
- Created job files for each project and maintained current data in each file.
- Kept projects on schedule by managing deadlines and adjusting workflows.
- Monitored project progress, identified risks and took corrective action as needed.
- Tracked hours and expenses to keep project on task and within budgetary parameters.
- Tracked project and team member performance closely to quickly intervene in mistakes or delays.
- Responded to requests for information on materials to inquiring parties.
- Established rapport and engaged with stakeholders to build lasting professional relationships.
- Kept corporate and client information confidential, adhering to data safety measures.
- Recruited and oversaw personnel to achieve performance and quality targets.
- Assisted with onboarding newly hired staff members and coached on task prioritization.
Transaction Monitoring Analyst
Infinity Consulting Solutions
New York, NY
01.2015 - 02.2016
- Monitored system and manually created alerts to determine if a case was warranted.
- Investigated escalated cases and dispositioned alerts accordingly.
- Trained 9 consultants for a KYC remediation.
- Team Lead for the remediation project.
- Managed workflow, assisted with difficult cases, liaised between clients and Compliance Department when needed to resolve client issues.
- Approved/denied recommended extensions and exceptions.
- Conducted QA reviews on all KYC files completed by consultants.
- Produced and filed reports to inform senior management of current activities and progress with investigations.
Supervisor Global Due Diligence/Senior AML Analyst
Adams Consulting Group (Contract)
New York, NY
05.2010 - 04.2014
- Developed or tracked quality metrics.
- Identified and researched patterns, trends and anomalies in transactional and customer data to detect and prevent suspicious activity related to money laundering and terrorist financing.
- Utilized proprietary system to complete detailed, multi-paged narratives of investigation findings.
- Performed risk-based analysis and remediation for business and consumer accounts per MSB guidelines.
- Interpreted regulatory rules or rule changes and communicated with others through corporate policies and procedures.
- Used transactional and customer records, external data and publicly available information to identify suspicious or unusual activity.
- Communicated with various business units to obtain necessary information for investigations.
- Researched and verified parties involved in suspicious activities and transactions against various databases such as LexisNexis and World-Check and various public sources.
- Led a team of 14 analyst.
- Conducted weekly meetings and trainings.
- Managed team workflow.
- Conducted KYC and EDD reviews.
- Prepared and delivered weekly production reports.
- Wrote or updated standard operating procedures, work instructions and policies for GDD department.
AVP, Mortgage Fraud Investigations
American Home Mortgage Corp.
Melville, NY
12.2005 - 08.2009
- Established performance goals for department and provided methods for reaching milestones.
- Identified and resolved issues between employees, promoting better collaboration and mutual respect.
- Trained team members on agency processes, court procedures and investigation strategies.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Clarified roles, responsibilities and expectations of staff.
- Wrote detailed reports outlining case findings for internal files and legal purposes.
- Monitored industry trends, keeping current on latest changes and competition in industry.
- Identified opportunities to improve business process flows and productivity.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Assigned schedules and coordinated leave time to maintain optimal coverage.
- Kept meticulous and detailed records of each case to avoid causing any problems with prosecution.
- Maintained active caseload.
Education
Master of Science - Economic Crime Management
Utica College
Utica, NY04.2014
Bachelor of Science - Health Sciences
Kaplan University
Davenport, IA03.2011
Skills
- AML/Fraud Investigations
- License Administration
- Team Lead/Supervisor
- QA
- Ability to multi-task
- Excellent communications skills
- Adapt easily to change
- Strong training skills
- Very strong organizational skills
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Whether you think you can or whether you think you can’t, you’re right!
Henry Ford
Ideal Position
During my career I have had the opportunity to work at many amazing firms and with some very talented people. What I have taken from my experiences is that I am not just a senior investigator, or a team leader, or an innovative employee. Rather I am all of these things and more. If I had the opprotunity create my own position it would be one in which I guide new FINTECH company's through the initial regulatory landscape. This would include obtaining office space, filing for state licenses, hiring the staff needed to meet the requirements of regulators and many other ongoing tasks. The process of osetting up a new FINTECH business is a time consumming process, and having someone that knows the space, and loves the work can go a long way in meeting all of the requirements and goals required to enter the landscape smoothly.
Timeline
Associate in the Anti-Financial Crime Division
Deutsche Bank
11.2022 - 04.2023
Senior Legal Associate
Metropolitan Commerical Bank
01.2022 - 04.2022
Senior Fraud Investigator (Contract)
Guidehouse (Remote)
02.2021 - 10.2021
Director of AML Compliance
Conotoxia Inc.
10.2018 - 12.2019
Compliance Auditor/Monitor Team (Contractor/Hong)
Exiger Governance Risk Compliance
08.2017 - 10.2017
Senior AML Investigator
Infinity Consulting Solutions
05.2016 - 07.2017
Project Coordinator (Contract)
K-Force Staffing
02.2016 - 05.2016
Transaction Monitoring Analyst
Infinity Consulting Solutions
01.2015 - 02.2016
Supervisor Global Due Diligence/Senior AML Analyst
Adams Consulting Group (Contract)
05.2010 - 04.2014
AVP, Mortgage Fraud Investigations
American Home Mortgage Corp.
12.2005 - 08.2009
Master of Science - Economic Crime Management
Utica College
Bachelor of Science - Health Sciences
Kaplan University