Spencer Javers
Saint Paul,MN
Summary
Accomplished, highly organized, and effective Financial Crimes & Risk Management professional with a proven, comprehensive quality assurance, finance/accounting, risk mitigation, and compliance operations skillset. The ability to analyze trends, risk factors, and provide sound recommendations to mitigate risk. Strong knowledge of regulatory compliance, financial analysis, and investigative research. Proven history of identifying financial irregularities and implementing effective control mechanisms. A purposeful and people oriented individual with results-driven and positive attitude mindset. Strong ability to multitask, prioritize, and manage time effectively. Initiative taking, personable with an eagerness to learn and work individually or in a group.
Overview
11
11
years of professional experience
Work History
AML Investigator
Blue Ridge Bank
03.2023 - Current
- Review and analyze transaction alerts produced from the bank's AML monitoring system. Conduct sufficient analysis of the customer patterns and activities to provide a clear statement supporting disposition decisions.
- Conducted AML investigations by analyzing customer data and transaction patterns to identify suspicious activity's utilized by a case management, monitoring software and third-party websites and repositories.
- Stayed up-to-date on emerging trends in financial crime, proactively adapting investigative strategies accordingly.
- Prepared AML investigation case files and drafted SAR narratives to comply with department procedures. Conducted follow-up reviews on previously filed SARs to recommend discontinuation or refiling.
- Researched, analyzed, and manipulated transactional data using Excel spreadsheets and the creation of pivot tables to identify suspicious activity, to assess bank risk profiles and determine appropriate action plans.
- Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents.
Billing Clerk
DataSite
06.2022 - 02.2023
- Executed billing tasks and recorded information in company databases.
- Verified accuracy of billing data and corrected discrepancies.
- Improved billing accuracy by diligently reviewing invoices and reconciling discrepancies.
- Managed high volume of invoices while maintaining attention to detail, resulting in improved financial accuracy.
- Interacted with customers to resolve billing disputes and respond to inquiries.
- Maintained confidentiality of sensitive customer information by adhering to strict privacy guidelines, upholding the company''s reputation for professionalism in handling personal data.
Loan Documentation Specialist 2
Wells Fargo Home Mortgage
11.2020 - 03.2022
- Carefully reviewed all documents and reports for completeness and accuracy.
- Coordinated document exchange between departments.
- Monitored due dates and deadlines and worked to submit all documents on time or early.
- Checked accuracy and completeness of documents to identify deficiencies and recommend corrective actions.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Daily average of 65 loans worked per day.
Lead Teller
Trustone Financial
05.2019 - 02.2020
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Promoted products or services to each customer to consistently achieve sales targets.
- Assisted customers with opening and closing of accounts.
- Completed special procedures for customers such as ordering new checks, stopping payments or investigating identity theft.
- Monitored customer behaviors and upheld strict protocols to prevent theft of assets.
- Checked amount details and fraud markers for transaction papers such as checks and money orders.
Teller/ATM Teller
U.S. Bank
06.2018 - 02.2019
- Provided high-level customer service through friendly approach, strong professionalism and timely assistance with customer transactions.
- Answered telephone inquiries on banking products including checking, savings, loans and lines of credit.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Checked amount details and fraud markers for transaction papers such as checks and money orders.
- Executed customer transactions, including deposits, withdrawals, money orders and checks.
Foreman/Lead Finisher
Dakota Foundations & Flatwork
07.2014 - 03.2018
- Performed general equipment maintenance and repair.
- Supervised construction projects.
- General construction and concrete finishing.
- Reviewed production schedules and completion timelines.
- Coordinated materials to maintain steady flow and meet productivity objectives.
- Delegated assignments based on plans, project needs and knowledge of individual team members.
- Established clear priorities and production quality standards.
- Interacted with employees to demonstrate high standards and mitigate issues effectively.
- Oversaw employee attendance record.
- Ordered new materials for sites.
Education
High School Diploma -
Lincoln High School
Sioux Falls, SD05.2009
Skills
- Effective communication
- Customer Accounts Management
- Enhanced due diligence
- Suspicious activity reporting
- Transaction monitoring
- Customer due diligence
- AML regulations
- Anti-money laundering policies
- Wire transfer analysis
- Compliance training
- Time management
- Attention to detail
- Problem-solving abilities
- Multitasking
- Analytical thinking
KDS/Keystone Club
"KDS" Key Driver Score Survey
Survey system in which we used at US Bank, I was a perfect 12/12 in my nine month span of working as a teller. I ranked number two out of 214 tellers in the Twin Cities region. Also received an invitation to a "Breakfast of Champions" for quarter one of 2019.
"Trustone Club" award
When I was with Trustone Financial, I received the Keystone Club award for quarter three of 2019, an award based on completing all sales goals required for that quarter. Goals included new accounts being opened as well as new products and upgrades from current products.
Timeline
AML Investigator
Blue Ridge Bank
03.2023 - Current
Billing Clerk
DataSite
06.2022 - 02.2023
Loan Documentation Specialist 2
Wells Fargo Home Mortgage
11.2020 - 03.2022
Lead Teller
Trustone Financial
05.2019 - 02.2020
Teller/ATM Teller
U.S. Bank
06.2018 - 02.2019
Foreman/Lead Finisher
Dakota Foundations & Flatwork
07.2014 - 03.2018
High School Diploma -
Lincoln High School
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