Simone Wilson
Charlotte,NC
Summary
10 Years of experience of operational and financial analysis working in the financial industry. Results-oriented, high-energy, hands-on professional, with a successful record of accomplishments in the Banking Industries. Major strengths include strong leadership, excellent communication skills, being a strong team player, attention to detail, a dutiful respect for compliance in all regulated environments, as well as management skills such as, training, and other administrative tasks. Knowledge of UAR, SAR processes and procedures within AML, KYC, EDD, CDD, OFAC, account compromise, account takeovers, elder abuse, Negative News, PEP, and identity theft. Awareness of US Patriot Act.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Compliance Analyst
Skyla Federal Credit Union
01.2024 - Current
- Responsible for coordinating and daily administration of all components of the Bank Secrecy Compliance Program and Bank Secrecy Policy
- Maintain working knowledge of the principles and procedures related to the Anti-Money Laundering (AML), Bank Secrecy Act (BSA), and Office of Foreign Assets(OFAC) regulations and the USA Patriot Act
- Verification and submission of CTR's and SAR's in a timely manner
- Responsible for continuous monitoring of transactions and reports to identify specific transactions and patterns of transactions, which may present increased risk for money laundering activity
- Performed risk analysis on moderate and high-risk individuals and business member accounts to ensure compliance with the Bank Secrecy and USA Patriot Act using various reports and software
- Ensure that all Credit Union activities are in accordance with the established legal, regulatory and Credit Union policies
- Assist with implementation of new regulations or changes to existing regulations
- Assist with investigation of member complaints
- Provide necessary compliance guidance for organizational marketing and social media materials (printed, electronic, radio, etc.)
- Performed regular reviews of FinCEN lists as they are released
- Assist with drafting and implementing changes to BSA policies and BSA/AML risk assessments
- Prepare monthly reports on SAR and CTR activity to the Board of Directors
- Keep abreast of trends and regulatory areas of concern where management should place focus
- Comply with all Federal regulations, Credit Union policies and procedures, including Bank Secrecy and the USA Patriot Act
- Perform job duties in accordance with the Credit Union's values, mission and vision
- Back up Compliance Officer
KYC Analyst
USAA
01.2022 - 01.2022
- Executed a risk-based written analysis for high-risk clients and for customers who required a periodic review while advancing specific client types to the appropriate business units
- Identified, monitored, and reviewed high risk customers and analyze data to determine potential risk to the company and calculate risk ratings for customer profiles
- Managed Negative News and PEP (Politically Exposed Person) screening functions while dispositioning and analyzing PEP and Negative News alerts
- Displayed strong organizational skills with ability to track, plan, monitor, and report on multiple projects and issues as well as attention to detail around each of these abilities
- Worked within aggressive timelines to ensure the KYC customer profiles were completed
- Conducted comprehensive research and/or background investigations on transactions for individuals, entities, organizations, or locations to identify and mitigate associated sanctions, credit, financial crimes, and reputational risks, and thoroughly documented findings
- Reviewed and analyzed due diligence data from a variety of sources to determine overall risk.
KYC/AML Analyst
Citigroup Financial Services
07.2018 - 12.2021
- Investigated potential reputational risk to the company based on client activity while maintaining positive customer relationships with bank, thus saving portfolios in the range of 1MM to 25MM++ in consumer banking department
- Analyzed data to determine potential risk to the company and calculate risk ratings for customer profiles
- Utilized a collaborative work style and ability to work with a variety of people/ functional areas resulting in high quality and timely deliverables
- Utilized Strong organizational skill with ability to track, plan, monitor, and report on multiple projects and issues as well as attention to detail around each of these abilities
- Conducted comprehensive research and/or background investigations on transactions, individuals, entities, organizations, or locations to identify and mitigate associated sanctions, credit, financial crimes, and reputational risks, and thoroughly documenting findings
- Reviewed and analyzing due diligence data from a variety of sources to determine overall risk
- Escalated confirmed sanctions alerts, PEP matches, and other risks appropriately.
Quality Assurance Analyst
Wells Fargo
01.2017 - 01.2017
- Planned and performed random claim audits for agents for ACH, Check Fraud, ATM Fraud and Debit Card Agents to audit, monitor and record trends to mitigate risk
- Utilized several key data control systems to ensure processes and procedures are accurately being followed
- Notified managers when coaching requirements were below 92% scores and ensured coaching was completed in a timely manner, escalated key maintenance errors identified scoring processes and ensured resolution of processes that remained in compliance
- Identified areas of opportunity and trends to provide recommendations for improvement and training
- Conducted trainings for new hires communicating expectations and offers coaching support to agents.
Financial Crimes Chargeback Analyst
MasterCard
01.2015 - 01.2017
- Analyzed various claims by utilizing investigative tools to conduct extensive research using multiple internal and external systems, the internet, and public records
- Evaluated credit card fraud cases with patterns, anomalies, and trends presenting the data to upper management to make recommendations for procedural changes and detect underlying issues that may negatively affect the business
- Managed multiple and competing projects that required strict deadlines while achieving monthly goals, in a dynamic and complex environment
- Reviewed and reported fraud claims to help mitigate risk
- Processes recovery payments for VISA, MasterCard, and American Express
- Rebilled credit accounts due to valid charges.
Financial Crime Specialist
Loss to Investigation
08.2014 - 01.2015
- Documented research findings and actions on cases that were investigated
- Prepared and maintained reports for risk management
- Determined if fraudulent activity was valid based on metrics using multiple research internal and external systems
- Recommended procedural changes to prevent/mitigate future losses
- Provided provisional credit to customers' accounts within the allotted deadlines while investigating fraudulent activity
- Provided a resolution for fraudulent activity on trending accounts based on negative patterns.
Education
Bachelor of Arts in Criminal Justice and Corrections -
University of Southern New Hampshire
Manchester, NH11.2024
Skills
- Fraud Investigations
- SAR filing
- Compliance Analyst
- KYC
- Financial services
- Microsoft Office
- Communication skills
- Analysis skills
- Banking
- Organizational skills
- Regulatory knowledge
- Compliance understanding
- Due diligence
- Compliance Monitoring
Certification
Certified Anti-Money Laundering Specialist
Timeline
Compliance Analyst
Skyla Federal Credit Union
01.2024 - Current
KYC Analyst
USAA
01.2022 - 01.2022
KYC/AML Analyst
Citigroup Financial Services
07.2018 - 12.2021
Quality Assurance Analyst
Wells Fargo
01.2017 - 01.2017
Financial Crimes Chargeback Analyst
MasterCard
01.2015 - 01.2017
Financial Crime Specialist
Loss to Investigation
08.2014 - 01.2015
Bachelor of Arts in Criminal Justice and Corrections -
University of Southern New Hampshire
Certified Anti-Money Laundering Specialist
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