Spencer Smith

• Manage monthly caseload of 10 to 15 high-risk reviews, ensuring documentation met global AML/KYC standards and supporting adherence to regulatory requirements.
• Perform enhanced due diligence reviews for high-risk wealth management clients, including trusts and UHNW individuals.
• Verify complex ownership structures to confirm UBOs, IBOs, beneficiaries, and trustees across domestic and international entities, enhancing compliance with regulatory standards.
• Conduct adverse media and sanctions screening using LexisNexis WorldCheck and internal AFC tools to identify AML concerns.
• Review recent account activities to ensure transactions align with client profiles, avoiding high-risk jurisdictions.
• Collaborate with front office bankers to validate client information and escalate potential risks with anti-financial crime teams.

• Conducted end-to-end AML transaction monitoring investigations for consumer accounts and high-risk industries.
• Analyzed alerted activity to identify structuring, layering, placement, P2P abuse, and other high-risk typologies.
• Performed detailed transaction analysis using Actimize, Excel, and internal systems to reconstruct fund flows.
• Executed adverse media and sanctions screening to validate risk indicators, enhancing compliance with regulatory standards.
• Determined SAR versus non-SAR outcomes autonomously, crafting defensible narratives to support law enforcement actions.
• Completed 20 to 25 complex investigations monthly, consistently ranking among top investigators.
• Collaborated with senior management to communicate findings and escalate high-risk cases, ensuring timely intervention and risk mitigation.
• Mentored junior investigators on SAR drafting and investigative best practices, ensuring regulatory compliance.

• Led end‑to‑end payroll compliance audits across a large corporate network, ensuring accuracy of high‑value disbursements and adherence to internal financial controls.
• Strengthened internal controls through enhanced audit procedures, documentation standards, and reporting frameworks, ensuring compliance and accountability.
• Identified financial anomalies, irregular payment patterns, and control gaps; escalated issues and recommended corrective actions to mitigate risks.
• Analyzed large datasets using Excel and internal audit tools to validate transactions and detect potential fraud or policy violations.

Collaborated with Finance, HR, and Compliance teams to resolve discrepancies, ensuring audit-ready documentation and facilitating seamless audits.

• Executed AML transaction monitoring investigations for major financial institutions, enhancing compliance and risk management for clients like eBay, Raymond James, Citizens Bank, and MUFG.
• Analyzed consumer and business account activity to identify structuring, layering, TBML, P2P abuse, human trafficking, elder fraud, and other high‑risk typologies.
• Performed detailed transaction reviews with client TM platforms and Excel to reconstruct fund flows and uncover suspicious patterns, contributing to enhanced investigative outcomes.
• Performed adverse media, sanctions, and negative news screening using LexisNexis, CLEAR, and open‑source intelligence to validate risk indicators.
• Reviewed internal KYC files, customer profiles, and onboarding documentation to assess customer risk and support investigative conclusions.
• Delivered investigative findings directly to client AFC leadership and participated in on‑site engagement meetings in Omaha, NE, representing EY as a subject matter resource.
• Facilitated large-scale AML lookbacks and remediation efforts for clients under regulatory scrutiny, ensuring documentation compliance with OCC/FRB expectations.
• Collaborated with cross‑functional EY teams to produce audit‑ready workpapers and defensible investigative narratives.