Sandra Kongsomboon
Erlanger,KY
Summary
Seasoned AML professional with 16 years of Financial Services Industry experience who holds a strong grasp of AML policy, process and control knowledge and has developed deep partnerships with cross-functional colleagues. As a self-starter with a proactive approach, I take initiative to ensure that I remain familiar with AML Policy and trends while building relationship across multiple lines of business. Capabilities include AML Lifecycle knowledge, a confident and articulate manner of communication, and a consistent application of due diligence with a high attention to detail.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Vice-President – Financial Crime and Fraud Prevention Policy Adherence – Detection & Reporting
Citigroup
Florence, KY
10.2023 - Current
- Provide oversight on AML Transaction Monitoring and Currency Transaction Reporting processes, while maintaining relationships across multiple business functions and lines of defense, to ensure all necessary parties are engaged to mitigate risk and assist in business decisions.
- Lead subject matter expert in Currency Transaction Reporting and In Business Monitoring Review processes – performing deep dives to identify service gaps, process inefficiencies, technology opportunities, and develop solutions.
- Evaluate and mitigate AML detection risk through the New Product Assessment Process, combining policy knowledge with the current business environment and trends.
- Aide in Internal Audit, Compliance Assurance, and other 2nd line reviews – reviewing and submitting deliverables, leading walkthroughs, coordinating responses, and leading internal touchpoints.
- Facilitate collaboration and negotiation between various business stakeholders, departments regarding AML projects, issues, and escalations.
Vice-President – AML Program Control Manager – Detection & Reporting
Citigroup
Florence, KY
05.2021 - 10.2023
- Supported the AML Oversight Program Team to ensure and oversee a strong control environment within the Detection & Reporting workstream
- Partnered with Workstream Leads and Compliance to provide reasonable assurance in the safety and soundness of AML goals within the business
- Monitored the performance of AML Controls through Issue Management (IA and self-identified Issues), Key Operating Risk/Key Risk Indicators (KOR/KRI), Policy Change Management, and updates to Senior Leaders.
- Coordinated MCA activities for Detection and Reporting Team, such as creating and modifying ARCMs, leading CMDA discussions, and engaging in POD.
- Aided in multiple Internal Audits and PCT Validations – reviewing and submitting deliverables, leading walkthroughs, coordinating RFI responses, and leading internal touchpoints.
Assistant Vice-President – Compliance AML Controls Senior Analyst, Citi Cards
Citigroup
Florence, Kentucky
02.2020 - 05.2021
- Oversaw scheduled governance routines that spanned the AML lifecycle, while demonstrating flexibility among multiple lines of business.
- Independently organized and accomplished a complete overhaul of more than 5 governance/oversight routines, such as Records Management, Continuity of Business, and End User Computing.
- Overhaul included streamlining processes by creating reference guides, refining ARCMs, and documenting control activity.
- Facilitated and restructured critical large-scale communication that spans across 1st and 2nd Line of Defense to communicate awareness of program and operational updates, projects, issues, and audits.
- Monitored processes for identifying, tracking, and remediating AML issues to ensure timely completion and organization through control reports.
- Assumed role of AML Program Stakeholder for CBORC policy change management, which includes determining policy impact, guiding, and updating the team about policy changes, as well as keeping line of sight into dispensations, waivers, and breaches.
- Aided in cross-functional internal and regulatory audits by providing and reviewing evidence, performing walk-throughs.
Officer – AML Quality Analyst, North America Cards
Citigroup
Florence, KY
02.2018 - 02.2020
- Reviewed and audited 75+ KYC risk profiles against internal and external sources to ensure they were complete and aligned with over 56 AML business procedures and policies, while reporting trends to upper management.
- Identified discrepancies in test results and escalated concerns to appropriate divisions.
- Built and became point of contact for dispute process, which included reviewing disagreements in reviews, doing additional research, and walking senior leaders through the outcome.
- Established as a subject matter expert (SME) for screening processes such as OFAC, Sanctions, Red Flag, and Watchlist Process.
Credit Operations Specialist
Citigroup
Florence, KY
12.2016 - 02.2018
- Respond to incoming/outbound calls from new/existing customers to meet contractual turn times for credit applications and identifying possible fraud.
- Analyzed contractual and high-priority referrals for fraud trends.
- Selected to take on stretch assignment of working returned mail correspondence, incoming documentation review, point of contact for complaint management, and peer mentor for colleagues experiencing opportunities in quality and handle time.
Quality Specialist, Mortgage
Citigroup
The Lakes, NV
01.2012 - 01.2014
- Ensure loan processes comply with federal and company regulations and policies.
- Compiled, managed, and gave agent feedback on more than 5 audit processes while meeting performance standards.
- Received multiple awards after being nominated by peers for going beyond job requirements and proactively becoming an SME on numerous Compliance Reports.
Escalation Specialist, North America Cards
Citigroup
The Lakes, NV
01.2005 - 01.2012
- Resolved complex client issues by employing a blend of analytical and communication skills.
- Supported frontline customer service agents by providing procedural guidance.
- Roles included Credit Bureau pull Auditor, performed manager call backs, and ensured team metrics were within monthly goals while providing best practices.
Education
B.A - Business Administration
Devry University
Henderson, NVB.S - Geology
Northern Kentucky University
Newport, KYSkills
- AML Risk and Controls
- Risk Assessment and Mitigation
- Business Analysis
- Internal Audit
- Training and mentoring
- Cross-functional team leadership
- Executive-level support
- Microsoft Office Suite
- Citi Systems such as CitiKYC and CRC/iCAPs
Certification
- Certified Anti-Money Laundering Specialist (CAMS)
- Certified Transaction Monitoring Associate (CTMS)
Accomplishments
- Quality Excellence Award Recipient
- CBORC Training Academy
- Mentor in the 2021 Mentorship Program
- Level 1 completion of the CitiCatalyst Program
Timeline
Vice-President – Financial Crime and Fraud Prevention Policy Adherence – Detection & Reporting
Citigroup
10.2023 - Current
Vice-President – AML Program Control Manager – Detection & Reporting
Citigroup
05.2021 - 10.2023
Assistant Vice-President – Compliance AML Controls Senior Analyst, Citi Cards
Citigroup
02.2020 - 05.2021
Officer – AML Quality Analyst, North America Cards
Citigroup
02.2018 - 02.2020
Credit Operations Specialist
Citigroup
12.2016 - 02.2018
Quality Specialist, Mortgage
Citigroup
01.2012 - 01.2014
Escalation Specialist, North America Cards
Citigroup
01.2005 - 01.2012
B.A - Business Administration
Devry University
B.S - Geology
Northern Kentucky University
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