Skarlet Canot

• Conduct timely, comprehensive investigations of customers by utilizing CIP information, occupation, line of business, income methods, transaction activity and other information.
• Recommended appropriate corrective measures to address concerns identified during case review.
• Investigated fraud referrals and researched to minimize risk and resolve inquiries.
• Analyzed results of complex investigations and delivered concise written (SAR) conclusions to management.
• Interfaced with bankers to obtain information related to client's transaction activity.
• Identified potential threats, vulnerabilities and suspicious behavior patterns and recommended mitigation measures.
• Maintain strong knowledge of all applicable current and proposed Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) laws and regulations, specifically as they apply to money laundering, terrorist financing and OFAC.
• Participate in BSA/AML training that may include webinars, periodicals and self -study in order to stay abreast of the BSA/AML laws and regulations.

• Promoted all financial products by maintaining excellent service offering knowledge.
• Achieved consistent recognition as top sales performer.
• Expanded client base by promoting new financial products.
• Worked closely with management to strategize sales techniques to increase branch production and customer service.
• Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
• Educated customers on use of banking website and mobile apps.
• Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.

• Research, analyze and evaluate account transactions that may be suspicious or unusual for a given business or person within any LOB.

• Decide upon referring the alert for further investigation. Assess, document, and support decisions through both written narrative as well as via supporting documentation.

• Alerts referred for further investigation should provide enough information to describe what was unusual about the transaction or series of transactions in question.

• Monitor account activity for all bank units and client relationships to evaluate transactions for suspicious financial activity as it may pertain to money laundering and/or terrorist financing.

• Perform other tasks including project and training assignments as directed by management.

• Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.
• Offered internal support for audit, compliance and reporting activities.
• Supported KYC processes for prospective and existing customers.
• Reviewed new prospect KYC documents to meet requirements and determine business model risk.
• Refined tools and practices to optimize client account reviews.

• Performed VISA and MasterCard chargebacks and monitor case status for fulfillment.
• Conducted link analysis to identify transactions and accounts to know fraudulent activity.
• Generated reports as needed from Analyzer. Conducted investigative research via Internet and public record databases.
• Processed and monitored chargebacks fulfillment throughout the entire dispute cycle.
• Provided additional analyses where needed to determine inefficiencies within the department and implemented the fixes to these problems
• Proactively analyzed transactional and dispute records/reports and identified trends (both fraud and non-fraud). Monitored and resolved incoming cases and emails with service-level-standards (SLS).

• Investigated activities of institutions to enforce laws and regulations, assessing legality of transactions and operations or financial solvency.
• Created, reviewed and analyzed customer transaction reports for purposes of satisfying Bank Secrecy and Anti-Money Laundering regulatory requirements.
• Conducted investigations and enhanced due diligence reviews of various customer types and industries.
• Incorporated personal experience in reviewing and analyzing reports to recommend further investigation when appropriate.
• Conducted investigations of transactions processed though bank processing centers to spot evidence of misconduct or neglect.
• Utilized knowledge of bank products, policies and legal requirements to process work assignments within regulatory guidelines.
• Responded timely to questions from branches and departments regarding BSA policies.

• Assisted clients with preparing financial plans, conducting investment research and completing trades and transactions to assess and meet financial goals.
• Prepared orders to orchestrate transfers, tracked transactions and documented activities with detailed records.
• Cultivated and strengthened relationships with new clients and educated clients on account services and capabilities.
• Helped clients plan for and fund retirements using mutual funds and other options to manage, customize and diversify portfolio.
• Recruited, trained and mentored junior financial and support staff to generate ideas, share knowledge and commit to building successful company.
• Assisted brokers and advisors with servicing clients by preparing financial plans, conducting investment research and completing trades and transactions.