ROSEMARY YOUNG
Financial Crimes Compliance
Burleson,TX
Summary
Professional with a strong background in financial crime investigations, prepared to uncover and mitigate risks in the global landscape. Proven track record in analyzing complex financial data, identifying fraudulent activities, and ensuring compliance with regulatory standards. Known for team collaboration, adaptability, and delivering impactful results. Proficient in financial analysis, risk assessment, and investigative techniques, with a keen eye for detail and integrity.
Overview
10
10
years of professional experience
1
1
Certification
Work History
AML Investigations Consultant, Level III-FIU
TEKsystems
10.2024 - Current
- Identified patterns of suspicious activity through meticulous transaction analysis, aiding in detecting financial crimes.
- Conducted comprehensive research on clients' backgrounds, verifying identities and assessing risks for potential financial crimes utilizing internal and third-party databases.
- Served as a subject matter expert on various financial crimes, ensuring accurate risk assessments and drafting Suspicious Activity Reports (SARs) as necessary.
- Collaborated with cross-functional teams to address complex issues arising from investigations of financial crimes.
AML Investigations Consultant
MBO PARTNERS
12.2023 - 03.2024
- Conducted comprehensive AML investigations, resulting in the identification of suspicious activity and timely submission of SARs.
- Monitored financial transactions across various prepaid card products, including peer-to-peer (P2P) money movement, and immediately reported suspicious activity to authorities.
- Evaluated transaction patterns and customer profiles to identify potential money laundering trends and typologies.
Business Analyst - Risk/Compliance
TEKsystems
04.2023 - 08.2023
- Identified potential fraud and money laundering cases through meticulous transactional data analysis.
- Enhanced compliance by conducting thorough investigations and reduced Bank of America's exposure to legal, regulatory, reputational, and financial risks and fines.
- Prepared reports of investigation per standard operating procedures; consistently recognized for managing a queue of cases and meeting regulatory deadlines.
- Achieved successful case resolutions with detailed investigative reports outlining key findings and recommendations.
Associate, Consumer Financial Crimes Compliance
Goldman Sachs Bank USA
07.2021 - 01.2023
- Conducted comprehensive investigations into suspicious transactions, leading to successful case resolutions, including 314a, 314b, and subpoenas.
- Analyzed large amounts of data to find patterns of fraud and anomalies; reviewed transactions and receipts to identify any suspicious activity.
- Played a pivotal role in managing complex cases by liaising with law enforcement agencies and providing essential information for successful prosecution.
- Supported senior management in making informed decisions based on thorough analysis of potential risks posed by clients or transactions.
Project Consultant
Guidehouse
12.2019 - 09.2020
- Managed the investigation of various money-laundering cases, including but not limited to structuring, rapid movement of funds, high-risk jurisdictions, dormant account activity, and change in pattern/behavior.
- Conducted quality assurance (QA) reviews on the investigators’ casework, identifying areas for improvement and recommending corrective action
- Performed underwriting duties, such as Know Your Customer (KYC) due diligence on small business owners for Paycheck Protection Program (PPP) loans
- Played a key role in the successful resolution of complex compliance issues, demonstrating strong problem-solving abilities and adaptability under pressure.
Compliance Analyst
TEKsystems
03.2019 - 11.2019
- Identified threats, vulnerabilities, and potentially suspicious behavior indicative of fraud or money laundering activity involving money transfers via the MoneyGram network.
- Independently determined whether to mitigate or file a Suspicious Activity Report (SAR) and, when appropriate, added non-compliant consumers to the internal watchlist.
- Communicated with compliance manager to thwart potential money laundering or terrorist financing.
- Assisted in various process improvement and remediation projects such as user acceptance testing (UAT) for entitlements and identifying and creating cases of abandoned transactions, ensuring MoneyGram's regulatory reporting obligations.
Compliance Analyst – FIU
Citibank, NA
07.2017 - 08.2018
- Efficiently managed a high volume of cases through effective prioritization, organization, and multitasking abilities.
- Played a crucial role in identifying trends and patterns related to money laundering cases of varying complexity, analyzing transactional datasets, and conducting due diligence on all parties of interest.
- Recognized by management for demonstrating strong analytical and teamwork skills and regularly selected to assist fellow analysts on complex cases.
- Promoted a culture of compliance through cross-functional collaboration by consistently emphasizing the importance of adhering to AML policies and procedures.
AML/SAR Analyst
Caesars Entertainment Corp
03.2016 - 03.2017
- Proactively investigated and reported potentially suspicious gaming activity generated via the internal case management system in adherence to AML/BSA and Title 31 regulations.
- Documented research findings to support risk-based decision-making and resolution of alerts.
- Championed adherence to AML/BSA policies by meeting service-level agreements (SLA), assisting team members, and timely submission of SARs.
- Collaborated with Enhanced Due Diligence (EDD) teams, team leads, and management to identify ultra-high-risk patrons for further review and possible relationship termination.
AML Operations Analyst
Randstad
02.2015 - 12.2015
- Analyzed large datasets using various analytical techniques to identify patterns indicative of potential money laundering activities.
- Conducted preliminary case research and determined if the alerting activity could be reasonably mitigated or escalated to the financial intelligence unit (FIU) for further review.
- Utilized various internal and third-party resources, including open-source intelligence (OSINT), to conduct due diligence on all parties involved.
- Maintained up-to-date knowledge about emerging trends in financial crime, sharing insights with team members for continuous improvement initiatives.
- Regularly selected to participate in special remediation projects.
Education
Master of Public Administration -
University of Central Florida
Orlando, FL08-2012
Bachelor of Arts - Geography
University of South Florida
Tampa, FL12-2007
Skills
- Anti-Money Laundering & Fraud
- Bank Secrecy Act
- Title 31
- Suspicious Activity Reports
- Know Your Customer
- Risk assessment
- Trend analysis
- Case management systems
- Teamwork and collaboration
- Open-source intelligence
- Research & Due diligence
- Privacy laws and regulations
Certification
Certified Financial Crimes Specialist (CFCS), May 2022 - December 2025
Technologicalcompetencies
- Actimize
- Assist//ck
- AS400
- Confluence
- Crowe DCI
- LexisNexis
- Microsoft Excel
- Microsoft Outlook
- Microsoft PowerPoint
- Microsoft Teams
- Microsoft Word
- Slack
- Early Warning
- Dunn & Bradstreet
- Social Media
- WorldCheck
Certified Financial Crime Specialist (CFCS)
Issued: May 2022
Expiration: December 2025
Languages
English
Native or Bilingual
Affiliations
- Association of Certified Financial Crime Specialists
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
- Leveraged casino experience to help a teammate mitigate risk in a case involving ATM cash withdrawal activity.
- Integral in reducing a massive fraud alert backlog to below 25% by regularly closing at least eight alerts/cases daily, 60% higher than the production goal of 5 per day.
- Consistently recognized for identifying areas of process improvement, such as playing an instrumental role in having timestamps and NAICS codes in the case transaction reports to improve investigation efforts.
- Earned promotion to Level II SAR Investigations Team due to demonstrating the ability to conduct deep-dive complex investigations.
Software
Actimize Assist//ck AS400 Confluence Crowe DCI LexisNexis Microsoft Excel Microsoft Outlook Microsoft PowerPoint Microsoft Teams Microsoft Word Slack Early Warning Dunn & Bradstreet Social Media WorldCheck
Timeline
AML Investigations Consultant, Level III-FIU
TEKsystems
10.2024 - Current
AML Investigations Consultant
MBO PARTNERS
12.2023 - 03.2024
Business Analyst - Risk/Compliance
TEKsystems
04.2023 - 08.2023
Associate, Consumer Financial Crimes Compliance
Goldman Sachs Bank USA
07.2021 - 01.2023
Project Consultant
Guidehouse
12.2019 - 09.2020
Compliance Analyst
TEKsystems
03.2019 - 11.2019
Compliance Analyst – FIU
Citibank, NA
07.2017 - 08.2018
AML/SAR Analyst
Caesars Entertainment Corp
03.2016 - 03.2017
AML Operations Analyst
Randstad
02.2015 - 12.2015
Master of Public Administration -
University of Central Florida
Bachelor of Arts - Geography
University of South Florida
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