SARAH LYTLE
Jacksonville,US
Summary
Experienced Fraud/AML Investigator with a strong background in analyzing financial transactions, identifying suspicious activities, and preparing detailed investigative reports to ensure compliance with regulatory standards. Proficient in customer due diligence, enhanced due diligence, and suspicious activity reporting, with a proven ability to collaborate across teams and departments. Eager to leverage analytical expertise and regulatory knowledge to support organizational goals in mitigating financial crimes.
Overview
10
10
years of professional experience
Work History
BSA/AML Investigations Analyst
Paysafe
Jacksonville, FL
10.2025 - Current
- Conducted thorough AML investigations to identify suspicious activity and mitigate risk.
- Analyzed transaction data using advanced analytics tools to ensure compliance with regulatory standards.
- Collaborated with cross-functional teams to develop and enhance investigation protocols and workflows.
- Mentored junior analysts on best practices in AML analysis and reporting methodologies.
- Filed SARs with Fincen for both consumer and merchants
Fraud / AML Investigator
SoFi
Jacksonville, Florida
11.2024 - 03.2025
- Conducted research and analysis of financial transactions to identify suspicious activity related to money laundering, terrorism financing, and fraud.
- Investigated and identified discrepancies between source documents and reported information.
- Monitored customer activities through transaction surveillance systems.
- Created detailed reports on AML and CTF investigations for senior management review.
- Reviewed customer accounts for suspicious activity or high-risk indicators.
- Prepared AML investigations case files and drafted SAR narratives to comply with department procedures.
AML Analyst
Salem (BMO Harris)
Jacksonville, Florida
04.2024 - 11.2024
- Assisted with writing and reviewing procedures for my role as well as for the inbound agents.
- Conducted AML investigations by analyzing customer data and transaction patterns to identify suspicious activities.
- Maintained up-to-date knowledge of laws, regulations, guidance documents related to Anti Money Laundering requirements globally.
- Investigated high-risk accounts through analysis of customer behavior, including reviewing transaction history, account information.
- Analyzed customer due diligence documentation to assess customer risk profiles and determine appropriate action plans.
- Identified trends in the data related to money laundering activities and prepared detailed reports on findings.
- Collaborated with other departments such as Compliance, Legal, Operations and Information Technology to ensure proper implementation of AML processes and controls across the organization.
- Researched, analyzed and manipulated transactional data using system-generated spreadsheets to identify suspicious activity.
- Participated in regular meetings with senior management regarding status updates on ongoing investigations.
- Trained other examiners in financial examination process.
AML Analyst
Salem (BMO Harris)
Jacksonville, Florida
04.2024 - 11.2024
- Assisted with writing and reviewing procedures for my role as well as for the inbound agents.
- Conducted AML investigations by analyzing customer data and transaction patterns to identify suspicious activities.
- Maintained up-to-date knowledge of laws, regulations, guidance documents related to Anti Money Laundering requirements globally.
- Investigated high-risk accounts through analysis of customer behavior, including reviewing transaction history, account information.
- Analyzed customer due diligence documentation to assess customer risk profiles and determine appropriate action plans.
- Identified trends in the data related to money laundering activities and prepared detailed reports on findings.
- Collaborated with other departments such as Compliance, Legal, Operations and Information Technology to ensure proper implementation of AML processes and controls across the organization.
- Researched, analyzed and manipulated transactional data using system-generated spreadsheets to identify suspicious activity.
- Participated in regular meetings with senior management regarding status updates on ongoing investigations.
- Trained other examiners in financial examination process.
Financial Crimes Investigator
Citi Bank PBWM Financial Crimes Investigations
US
12.2021 - 11.2023
- Knowledgeable resource committed to finding answers and working with both clients and interdepartmental personnel.
- Promoting exemplary skills in project management, strong organizational skills, analysts and fraud pattern detection, analyzing suspicious behavior or patterns that might indicate fraud or meeting fraud trends.
- Organized and dependable candidate successful at managing multiple priorities to meet team goals with the ability to handle multiple projects simultaneously with a high degree of accuracy.
- Currently seeking to maintain a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Financial Crimes Investigator
Citi Bank PBWM Financial Crimes Investigations
US
12.2021 - 11.2023
- Knowledgeable resource committed to finding answers and working with both clients and interdepartmental personnel.
- Promoting exemplary skills in project management, strong organizational skills, analysts and fraud pattern detection, analyzing suspicious behavior or patterns that might indicate fraud or meeting fraud trends.
- Organized and dependable candidate successful at managing multiple priorities to meet team goals with the ability to handle multiple projects simultaneously with a high degree of accuracy.
- Currently seeking to maintain a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Fraud Analyst
Citi Bank CRS FEW
US
10.2018 - 12.2021
- Specialized in over forty financed credit cards for fraud.
- Assisted with multiple departments when handling bust out, ato, ssn synthetic fraud rings.
Fraud Analyst
Citi Bank CRS FEW
US
10.2018 - 12.2021
- Specialized in over forty financed credit cards for fraud.
- Assisted with multiple departments when handling bust out, ato, ssn synthetic fraud rings.
- I have assisted clients when they call in about their account(s) and help answer fraud related questions.
- Reviewed and analyzed customer accounts for fraud risk and suspicious activities.
- Used multiple operating systems and verification tools to optimize detection and prevention of fraud.
- Observed customer transactions to identify fraudulent activity.
- Determined existing fraud trends by analyzing accounts and transaction patterns.
Hertz Car Rental
US
01.2018 - 09.2018
- Assisted customers to their vehicles, assign cars to customers, check vehicles back into the system once returned.
- Assist customers with any issue regarding the rental, at both the time of rent and upon return.
Hertz Car Rental
US
01.2018 - 09.2018
- Assisted customers to their vehicles, assign cars to customers, check vehicles back into the system once returned.
- Assist customers with any issue regarding the rental, at both the time of rent and upon return.
DSS Student Assistant
FSCJ
US
10.2015 - 05.2017
- Acted as a math tutor as well as a note-taker in the classroom for disabled students on Campus.
- Assisted over 300 students in achieving their academic goals.
DSS Student Assistant
FSCJ
US
10.2015 - 05.2017
- Acted as a math tutor as well as a note-taker in the classroom for disabled students on Campus.
- Assisted over 300 students in achieving their academic goals.
Education
HIGH SCHOOL DIPLOMA : A.A -
Pathways at FSCJ
01-2013
Skills
- Service improvement
- Liability determinations
- Excellent nonverbal communication skills
- Trend evaluations
- Outbound calls
- ATM transactions
- Bank reconciliation
- Financial management
- Complex transactions
- Government regulations expertise
- Corporate policies & procedures
- Credit card transaction processing
- Identity theft training
- Training my role to colleagues
- Customer due diligence
- Know your customer
- Compliance training
- Problem-solving
- Multitasking
- Organizational skills
- Critical thinking
- Decision-making
- Relationship building
- Analytical thinking
- Internal fraud
- Incident report creation
- Credit management
- Financial documentation
- Credit card fraud
- Client retention
- Complex problem-solving skills
- Workflow improvements
- Banking Ethics Knowledge
- Ability to be flexible
- Customer experience
- Regulatory and compliance understanding
- Call control
- Investigation techniques
- Enhanced due diligence
- Suspicious activity reporting
- Teamwork and collaboration
- Attention to detail
- Problem-solving abilities
- Excellent communication
- Active listening
- Oral communication
- Team building
- Transaction monitoring
- Bank secrecy act
- Anti-money laundering regulations
- Regulatory reporting
- Teamwork
- Multitasking Abilities
- Effective communication
- Adaptability and flexibility
- Client relations
- Goal setting
- Risk assessment
- Cash flow management
- Professionalism
Interests
Hiking, Journaling/Blogging, Active with helping neighborhoods TNR feral cat communities, Spending time with family, friends, and of course pets
Timeline
BSA/AML Investigations Analyst
Paysafe
10.2025 - Current
Fraud / AML Investigator
SoFi
11.2024 - 03.2025
AML Analyst
Salem (BMO Harris)
04.2024 - 11.2024
AML Analyst
Salem (BMO Harris)
04.2024 - 11.2024
Financial Crimes Investigator
Citi Bank PBWM Financial Crimes Investigations
12.2021 - 11.2023
Financial Crimes Investigator
Citi Bank PBWM Financial Crimes Investigations
12.2021 - 11.2023
Fraud Analyst
Citi Bank CRS FEW
10.2018 - 12.2021
Fraud Analyst
Citi Bank CRS FEW
10.2018 - 12.2021
Hertz Car Rental
01.2018 - 09.2018
Hertz Car Rental
01.2018 - 09.2018
DSS Student Assistant
FSCJ
10.2015 - 05.2017
DSS Student Assistant
FSCJ
10.2015 - 05.2017
HIGH SCHOOL DIPLOMA : A.A -
Pathways at FSCJ