Paulina Smardz
Grove City,PA
Summary
Results-oriented Fraud and Senior Compliance Analyst with over 8 years of experience in financial crime prevention and financial services sector. Expert in managing complex second line of defense operations, including high-risk clients, sanctions/PEP screening, and transaction monitoring for global payments. Expert at conducting deep-dive forensics into suspicious patterns and identifying synthetic identities.
Strong analytical abilities and expertise in data analysis, risk assessment, and pattern recognition. Effective team collaborator focused on achieving results, adapting seamlessly to evolving challenges. Highly reliable with keen eye for detail and proactive approach to problem-solving.
Overview
8
8
years of professional experience
Work History
SENIOR COMPLIANCE ANALYST
Moneycorp Inc
Providence, RI
01.2024 - Current
- Investigate complex Level 2 Compliance escalations, distinguishing true sanctions/PEP matches from false positives with high precision.
- Conducted in-depth investigations into high-risk transactions, drafting and filing detailed Suspicious Activity Reports (SARs) with FinCEN while ensuring adherence to BSA/AML regulations
- Analyze accounts for unusual or suspicious activity through the use of various reports and enhanced monitoring, ensuring continuous risk mitigation for international transfers.
- Real-time Payment Monitoring within Soteria, ASM, and OMNI and indemnifying suspicious patterns.
- Conduct in-depth investigations for NA Fraud which can come from email escalations, ThreatMetrix cases, Group Fraud or management.
- Prepare detailed investigative reports and evidence for management.
- Conduct training sessions with teammates on new tasks or other departments.
- Gather weekly and monthly reports for NA Compliance and NA Fraud.
- Conducted risk assessments to identify potential compliance issues within financial operations.
- Collaborated with departments to ensure adherence to AML and KYC regulations.
- Identified gaps in existing compliance processes and recommended updates.
AML COMPLIANCE ASSOCIATE
Moneycorp Inc
Providence, RI
12.2022 - 01.2024
- Accountable for following the procedures related to KYC and AML
- Review each case to determine if it requires escalation and escalating to the applicable internal department
- Conduct monitoring of high-, medium-, and low-risk relationships.
- Use related tools to prevent and identify fraud.
- Collaborate closely with other internal teams to ensure top-of-the-line service to clients.
- Conduct enhanced due diligence review for Sanction Screening, KYC, AML, Automated Screening Manager and Transaction Monitoring
- Respond to queries in a timely, accurate and professional manner.
- Ability to document, report, and present findings to leadership on matches and risks identified.
MORTGAGE LOAN CLOSER
Guaranteed Rate
Chicago, IL
01.2019 - 12.2022
- Gather closing figures, input closing information, and generate loan documentation.
- Issue funding authorization by verifying all conditions of loan approval are met and documents were executed and notarized properly.
- Coordinate above functions with loan originator, settlement agent, warehouse bank, investor, and borrower, when/if necessary, to ensure on time closings
- Confirm loan compliance with all state and federal regulations and policies, as well as investor/mortgage lending product and program guidelines.
- Responsible for assisting Post Closing and Quality Control to maintain/assure salability of loans in the Secondary Market.
Education
High School Diploma -
Dundee Crown High School
05-2012
Skills
- Risk and compliance management
- Anti-money laundering
- Audit management
- Sanctions compliance
- Due diligence
- Internal auditing
- Compliance
- Critical thinking
- Organizational skills
- Team collaboration
- Decision-making
- Risk identification
Timeline
SENIOR COMPLIANCE ANALYST
Moneycorp Inc
01.2024 - Current
AML COMPLIANCE ASSOCIATE
Moneycorp Inc
12.2022 - 01.2024
MORTGAGE LOAN CLOSER
Guaranteed Rate
01.2019 - 12.2022
High School Diploma -
Dundee Crown High School