RENALDO J. ANTOINE
The Colony,TX
Summary
Highly motivated goal-oriented management professional with education in Sociology. Proficient in laws applicable to Anti-Money Laundering including Bank Secrecy Act, the USA PATRIOT Act, US Treasury AML Guidelines, OFAC requirements and Suspicious Activity reporting requirements. Exceptional web versatility gained from a wide variety of skills in Enhance Due Diligence, Operations, Compliance and People Management. Excellent communication skills, analytical research, investigation, and managerial skills with a strong ability to multitask and complete tasks efficiently and effectively.
Overview
19
19
years of professional experience
1
1
Certification
Work History
VP, Functional Manager Enhance Due Diligence (EDD)
PNC
Remote
01.2023 - Current
- Manage and coach a team of 4 EDD staff Managers
- Draft and communicate department procedure updates ensuring they accurately reflect current laws, rules, other regulatory requirements and management elements.
- Update and implement enhanced processes in order to ensure timely and effective compliance with new regulatory requirements.
- Direct staff and initiatives that support EDD, to include governance support, Risk oversight, Risk infrastructure development and emerging Risks
- Lead high performing team of EDD professionals through recruitment, training, coaching, performance management and related management activities.
- Review, communicate and recommend the development of procedures in partnership with senior leaders
- Oversee and prepare key reports and communication that the EDD department
- Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with policies and procedures.
AML Compliance Analyst – Know Your Customer (KYC) Operations
USAA
Plano, TX
12.2021 - 01.2023
- Assist with the implementation of unit objectives and policies and procedures to meet organizational goals and objectives focused on AML/KYC
- Produce a risk-based written analysis of customers who require periodic review
- Work with hiring aggressive timelines on regular scenarios completed for KYC Customer Profile reviews
- Identify, review and monitor high-risk customers to minimize risk for the enterprise
- Collaborate across internal and enterprise teams to identify opportunities and solutions regarding AML/KYC compliance
- Manage Negative News and PEP screening functions as appropriate
- Conduct periodic reviews of customers as needed to ensure accuracy of profile
- Participate in AML/KYC initiatives, workstream, working groups and projects
- Provide change management opportunities as needed for procedures and escalations
AML Supervisor Enhance Due Diligence (EDD)
Capital One
Plano, TX
07.2019 - 12.2021
- Coach and monitor the daily workflow and operational metrics of an AML team of 8 to 10 investigators
- Train investigators on all aspects of EDD
- Contribute to and provide oversight for internal AML operations projects related to the modification of policies and procedures
- Perform quality assurance, quality control on EDD reviews and other AML processes and provide feedback and findings to investigators
- Assess and escalate investigations and field complex investigation questions
- Conduct performance reviews for team members and provide mid-year and end-of-year ratings and feedback
AML Investigator – Enhance Due Diligence
Capital One
Plano, TX
06.2017 - 07.2019
- Responsible for conducting enhanced due diligence regarding high-risk customers including retail and different lines of business
- Ensure that potential unusual or suspicious transactions are appropriately identified, documented, and SARs are correctly completed and filed in accordance with bank policies, procedures, and regulatory requirements
- Ensure that the bank’s internal policies and procedures are adhered to
- Review SAR written by Capital One AML counterparts as part of the investigation process to identify pertinent information to decision EDD alerts
- Escalate EDD cases that do not meet BSA/AML standards and management follow through appropriate resolution
- Ensure compliance with BSA/AML related laws and regulations and identify matters for non-compliance
- Train and supervise third-party EDD contractors and act as a single point of contact
Short Term Disability Claims Manager
Cigna Health Insurance
Plano, TX
10.2015 - 06.2017
- Manage assigned caseload of disability claims for Short Term Disability
- Ensure claims integrity and compliance to the established procedures, timing requirements and regulatory guidelines
- Develop a plan to address disability obstacles and coordinate with claimants attending physicians, and employers to return people to work
- Monitor the resources from income that coordinate with Short Term Disability Benefits. Calculate, explain, and recover overpayments and disability claims
- Ensure high level of customer satisfaction, resolve customer-impact issues including customer specific process issues
- Steps in to manage the team members for work assignments as necessary
Operations Manager
Knight Transportation
Hutchins, TX
03.2014 - 10.2015
- Manage 35-40 driving associates to ensure operation logistics are met
- Develop relationships with driving associates proactively responding to mitigate problems and answer questions they have while on their driving assignment
- Conduct performance reviews for all driving associates
- Track freight to its final destination to ensure timely delivery
- Provide customer service regarding load inquiries
- Act as a liaison with the payroll department to escalate compensation discrepancies for driving associates
- Maximize company revenue by choosing the most profitable load assignments
- Help meet company’s financial goal of approximately 750 per truck per day
- Approval driving associates time off and organize driving routes making sure they are at their destination by requested days
Auto Liability Claims Adjuster
Affirmative Insurance Company
Addison, TX
02.2013 - 01.2014
- Investigate and process insurance claims filed by policyholders
- Filed 5-20 insurance claims daily into an internal database
- Verified that coverage applied through an insurance policy
- Interviewed claimants and witnesses to gather pertinent information
- Evaluated all information to determine how claims should be handled
- Analyzed claim information to detect fraud
- Issued payout amounts once the claim had been finalized
Technical Support Specialist
Overhead Door Corporation
Lewisville, TX
06.2012 - 12.2013
- Took 100-150 inbound calls weekly providing customer service
- Provided technical support to customers to mitigate issues
- Answered questions regarding garage door openers
- Analyzed and troubleshot hardware malfunctions
- Entered service requests and data reports during each call
Sales Associate
Best Buy
Denton, TX
11.2008 - 03.2011
- Complete sales objectives for computers, mobile electronics, services and objectives
- Maintain a strong knowledge of products, accessories, pricing plans, promotions, and service features
- Handle all administrative aspects of the sale including completing customer warranties, pulling products from inventory, accepting customer payments and filing the completed orders
Due Diligence Analyst
Iberiabank
Lafayette, LA
01.2007 - 07.2008
- Conduct due diligence research on nearly 40 applications weekly to ensure that Iberiabank is forming relationships with legitimate businesses
- Review/Approve the maintenance of certain existing high-risk clients in consultation with Sector AML Heads and in accordance with established policies, procedures and SLA timeframes
- Enforce on-boarding standards in compliance with AML/Counter-Financing Terrorism requirements and Anti-Fraud requirements
- Evaluate the data to determine if applicants meet requirements while identifying and flagging suspicious information in order to lessen fraud exposure
- Maintain Onboarding and Maintenance procedures for processes owned by AML Compliance
- Perform ongoing monitoring of agents and business owners that were previously on-boarded to mitigate fraudulent activity
Education
Bachelor of Arts - Sociology
University of North Texas
Denton, TX12.2012
Skills
* Proficient in Lexis Nexis, Actimize, Worldcheck
Certification
Certified Anti Money Laundering Specialist (CAMS)
Timeline
VP, Functional Manager Enhance Due Diligence (EDD)
PNC
01.2023 - Current
AML Compliance Analyst – Know Your Customer (KYC) Operations
USAA
12.2021 - 01.2023
AML Supervisor Enhance Due Diligence (EDD)
Capital One
07.2019 - 12.2021
AML Investigator – Enhance Due Diligence
Capital One
06.2017 - 07.2019
Short Term Disability Claims Manager
Cigna Health Insurance
10.2015 - 06.2017
Operations Manager
Knight Transportation
03.2014 - 10.2015
Auto Liability Claims Adjuster
Affirmative Insurance Company
02.2013 - 01.2014
Technical Support Specialist
Overhead Door Corporation
06.2012 - 12.2013
Sales Associate
Best Buy
11.2008 - 03.2011
Due Diligence Analyst
Iberiabank
01.2007 - 07.2008
Bachelor of Arts - Sociology
University of North Texas