Summary
Overview
Work History
Skills
Websites
Timeline
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Rudy Cipriano III

BSA AML Analyst IV
San Antonio,TX

Summary

Experienced training coordinator and development manager with a strong background in leading and implementing learning development strategies. Committed to nurturing talent and empowering individuals to exceed their professional goals. Skilled in building high-performing teams that prioritize success. Accomplished compliance professional with a proven 20-year track record in the banking industry. Possesses extensive knowledge of relevant laws and regulations, including BSA, AML, USA Patriot Act, OFAC, SARs, CTRs, and KYC. Demonstrates accountability in achieving goals effectively.

Overview

18
18
years of professional experience

Work History

BSA AML Analyst IV

Broadway Bank
San Antonio, Texas
7 2024 - Current
  • Responsible for conducting comprehensive investigations and documentation of various degrees of Anti-Money Laundering (AML) alerts and preparing cases for Suspicious Activity Reporting (SAR) when necessary
  • Responds to inquiries related to BSA/AML from various lines of business and assists with special projects, assignments, and tasks as needed
  • Ability to make independent judgments and decisions with limited guidance, ensuring regulatory compliance and minimizing risk to Bank.

KYC Compliance Analyst I

USAA
San Antonio, TX
03.2022 - 07.2023
  • Based on outcome of investigation analyze and determine if Suspicious Activity Report SARs must be filed with Federal Government for any identified suspicious activity
  • Work cooperatively with business line to establish procedures for identifying suspicious customer transactions specific to money laundering including proper method for reporting such activity to anti-money-laundering group
  • Assists with implementation of unit objectives and policies and procedures to meet organizational goals and objectives focused on AML/KYC in support of USAA and its membership
  • Performs BSA AML, CIP, and OFAC risk assessments as needed and work with internal and external business partners, and various forms of data to inform, update, streamline and optimize BSA AML program
  • Assisted with alert workload and monitoring for suspicious patterns/activity and fraud, conduct suspicious activity report investigations, as well as high risk customer/account reviews, and recommend when to file and not file Suspicious Activity Reports (SARs).

Sales Development Representative

Dun & Bradstreet (Covid)
Austin, Texas
10.2021 - 03.2022
  • Generated detailed reports on sales activity, pipeline progression, and account updates for senior leadership review during weekly meetings.

AML Compliance Officer

CitiBank
San Antonio, Texas
06.2017 - 09.2021
  • Worked as part of the Global Client Management Enhanced Due Diligence Group which led Citibank back to sustainability before deadlines given by OCC.

Agency Owner & Training Manager

Independent Insurance Agency
San Antonio, Texas
08.2015 - 05.2017
  • Successful startup of insurance agency partnered with mortgage company– Managed insurance business operations and productivity for mortgage offices in San Antonio, Dallas, McAllen and Laredo
  • Working owner manager, managing personal clients while supervising team's productivity, training, and legal compliance
  • Ensures that team was on track to meet performance goals and adjusted based on performance data as needed
  • Handled employee recruitment and retention, staff development, mediation, conflict resolution, HR policy development and legal compliance
  • Provided ongoing training to team members, enhancing their knowledge and understanding of insurance regulations and operational procedures
  • Design and implemented program to offer insurance review for all new clients of mortgage company.

AML Fraud Investigator

JP Morgan Chase Bank
San Antonio, Texas
06.2013 - 08.2015
  • Identified potential risks by conducting thorough investigations and analyzing transaction patterns.

Operations & Training Manager

Laparoscopic Services
San Antonio, Texas
03.2009 - 02.2012
  • Evaluating training programs
  • Perform administrative tasks such as monitoring costs, scheduling classes, setting up systems and equipment, and coordinating enrollment
  • Provided extensive on-the-job training and attentive supervision to troubled employee, which resulted in employee's success as empowered and accountable team member
  • Handled employee recruitment and retention, staff development, mediation, conflict resolution, HR policies development and legal compliance.

AML / BSA Analyst / Training Delivery Specialist Sr.

Washington Mutual / JP Morgan Chase Bank
San Antonio, Texas
07.2006 - 03.2009
  • Development and coordinated corporate training related to BSA, OFAC, Anti-Money Laundering, and US Patriot Act laws and regulations
  • Analyzed business strategies and objectives to determine employee learning and development needs.

Skills

Equanimity

AML Regulations Knowledge

Professional Demeanor

Business Acumen

Analytical Skills

Anti-Money Laundering Compliance

Enhanced Due Diligence

Financial Crime Investigation

Transaction monitoring

Customer Due Diligence

Know Your Customer

Problem-solving aptitude

Timeline

KYC Compliance Analyst I

USAA
03.2022 - 07.2023

Sales Development Representative

Dun & Bradstreet (Covid)
10.2021 - 03.2022

AML Compliance Officer

CitiBank
06.2017 - 09.2021

Agency Owner & Training Manager

Independent Insurance Agency
08.2015 - 05.2017

AML Fraud Investigator

JP Morgan Chase Bank
06.2013 - 08.2015

Operations & Training Manager

Laparoscopic Services
03.2009 - 02.2012

AML / BSA Analyst / Training Delivery Specialist Sr.

Washington Mutual / JP Morgan Chase Bank
07.2006 - 03.2009

BSA AML Analyst IV

Broadway Bank
7 2024 - Current

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Rudy Cipriano IIIBSA AML Analyst IV