PETER ARMANYOUS
St. Cloud,FL
Summary
Analyst with experience in AML investigations, sanctions screening, KYC due diligence, and trade finance operations across global banking environments. Proven expertise conducting complex end-to-end AML reviews for large financial institutions, assessing money laundering, fraud, sanctions, and cryptocurrency-related risks while ensuring adherence to regulatory frameworks including OFAC and global compliance standards. Strong background in trade finance controls, documentary credits, import/export compliance, and ICC regulations (UCP 600), with a demonstrated ability to analyze transactional behavior, identify red flags, mitigate financial crime risk, and deliver clear, well-supported investigative recommendations in fast-paced, KPI-driven environments.
Overview
12
12
years of professional experience
Work History
Analyst II
Kpmg Us
Orlando, FL
10.2024 - Current
- Conduct end-to-end AML investigations on behalf of Bank of America, reviewing complex cases across multiple lines of business, including retail banking, commercial banking, brokerage accounts, crypto platforms, and Coinbase-related transactions.
- Assess potential money laundering, fraud, sanctions, and financial crime risks during case reviews, ensuring adherence to AML/OFAC regulatory requirements and internal policies.
- Evaluate transactional behavior, alerts, and customer activity using AML monitoring systems to determine whether cases warrant SAR filing or require no-SAR disposition.
- Utilize Excel for daily reporting
- Prepare and document clear, concise, and analytically supported recommendations on case outcomes for senior reviewers and engagement managers.
- Perform root cause analysis on escalated issues and contribute to process improvements that enhance the quality and efficiency of investigations.
- Collaborate closely with Engagement Managers, cross-functional project teams, and technical partners; escalate high-risk matters requiring additional oversight.
- Utilize risk indicators, typologies, and red flags related to money laundering, correspondent banking, cash structuring, trade-based money laundering, crypto transactions, and high-risk entity assessments.
- Contribute to compliance with KPIs, SLAs, and quality standards through accurate documentation, timely investigation turnaround, and adherence to regulatory expectations.
Associate Banker
JP Morgan & Chase
Merritt Island
08.2023 - 05.2024
- Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.
- Engages clients as they enter the branch by welcoming them and making them feel appreciated, including managing lobby traffic, checking clients into the waiting queue and scheduling/canceling client meetings.
- Reviews and approves requests to include approval to cash large checks, authorizing bank checks or general ledger tickets, and approval of various reports, paperwork, and cash counts.
- Coordinated with Manager in different operational issues and promotional activities.
- Helps clients with everyday transactions such as deposits, withdrawals, payments, reordering a debit card, setting up a direct deposit or helping update their address accurately and efficiently, while complying with all policies, procedures, and regulatory and banking requirements.
- Adheres to policies, procedures, and regulatory banking requirements. Helped team members maintain business professionalism by coaching each on methods for delivering exceptional service to every customer.
- Coached and supervised new employees to be fully integrated with bank system, policies, and procedures.
- Communicated with customers to assess satisfaction with products and services received.
- Responsible for ensuring that team meets SLAs / PLAs committed to business.
- Processed wire transfers according to established procedures while adhering to compliance regulations.
- Developed strong problem solving skills by resolving complex customer issues quickly and efficiently.
- Assisted customers with online banking inquiries including resetting passwords and troubleshooting log-in issues.
- Reconciled bank statements on a monthly basis ensuring accuracy of all transactions recorded.
- Conducted training sessions for new employees on proper policies and procedures related to bank operations.
Senior Officer, Trade Finance
SAIB Bank
Egypt
06.2017 - 09.2022
- Conducted comprehensive KYC, AML, and sanctions checks on transactions,ensuring adherence to global regulatory standards.
- Processed and audited trade finance documents, identified risks, and ensured compliance with ICC publications, including UCP 600.
- Examined import/export documents for compliance and audit, resolving discrepancies.
- Leveraged tools like IATA and Lloyd's database to monitor and verify sanctioned vessels,countries, and other entities involved in international trade.
- Ensured the team exceeded SLAs, PLAs, and KPIs.
- Awareness of trade facilities, custom trade cycles, and documentary credits (DCs), as well as internal control procedures.
- Processing of letter of credit issuance, amendment, advising, confirmation, transfer DC, and payment in systems.
- Collaborated with cross-functional teams to resolve trade finance issues promptly, ensuring smooth transaction processing.
- Manage day-to-day department operations with effective workflow coordination.
Senior Relationship Banker
HSBC Bank
Egypt
02.2014 - 06.2017
- Handle account transactions for customers, including check cashing, deposits, withdrawals, transfers, loan payments, cashier's checks, and opening and closing accounts.
- Maximize opportunities to sell additional products and services to the existing & potential Customers.
- Provided support during audits by ensuring accurate record-keeping and adherence to procedures.
- Increased customer satisfaction by providing personalized banking solutions and exceptional service.
- Educated customers on digital banking tools, leading to increased adoption of online and mobile services.
- Cross-sold bank products and services to meet customer needs and provide options.
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Serve customers by managing documents, information, and financial transactions successfully and in an organized, efficient, and secure manner.
- Build awareness of new products and services, and identify customer needs to capitalize on the business referral opportunities.
- Meet and exceed bank service standards, greeting and acknowledging each customer warmly, and making them feel welcome while complying with bank procedures and security protocols.
- Work as a team with others to complete daily tasks, demonstrating respect and professionalism, being prompt, and supporting management with special requests as needed.
- Identify customer needs, provide information on new products and services, and direct customers to branch representatives if interested.
- Achieve sales targets for all bank's products as per branch business objectives.
- Maximize opportunities to sell additional products and services to the existing & potential Customers.
- Explain products and services to customers to achieve sales target.
- Maintain strong relationships with priority customers Deliver high quality customer service and exceed satisfaction goals by reducing customer complaints.
- Resolve issues and complaints from customers; escalate issues when outside authority.
- Ensure all activities comply with corporate governance & regulatory/legal frameworks.
- Create, update, and maintain relevant customer records ensuring that data is recorded appropriately.
Education
Bachelor of Science - Faculty of Business Management
Helwan University
Egypt06.2010
Technical Skills
- Microsoft Office Suite
- Banking Systems: FileNet, HUB, LexisNexis, Teller-Express , SWIFT, CRM, ServiceNow, Finantix, MOC, ISS, WDM, Interact, Quantifind
Timeline
Analyst II
Kpmg Us
10.2024 - Current
Associate Banker
JP Morgan & Chase
08.2023 - 05.2024
Senior Officer, Trade Finance
SAIB Bank
06.2017 - 09.2022
Senior Relationship Banker
HSBC Bank
02.2014 - 06.2017
Bachelor of Science - Faculty of Business Management
Helwan University