STEPHANIE FAVIA-PILCH
AML/Fraud Investigator
Tucson,AZ
Summary
Experienced and ACAMs certified with over 23 years of experience in the financial and FinTech industry. Excellent reputation for resolving problems and improving customer satisfaction. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Financial Crimes Analyst-Investigations
Upgrade
08.2021 - Current
- Conduct complex investigations within accordance of Upgrade procedures and FinCEN policies
- Review suspicious activity provided by law enforcement using subpoenas
- Review and create complex large datasets
- Utilized knowledge of Upgrade, policies and legal requirements to process work assignments within regulatory guidelines
- Created, reviewed and analyzed customer transaction reports for purposes of satisfying Bank
- Secrecy and Anti-Money Laundering regulatory requirements
- Identified customer activity deemed suspicious or potentially fraudulent and prepare IR/SARs appropriately
- Developed and delivered compliance training to team members.
Due Diligence Analyst
Wells Fargo
03.2019 - 07.2021
- (480) 340-2485 | s.favia0914@gmail.com
- Investigation Leadership
- Document Processing
- Project Coordination
- Policy Assessment
- Attention to Detail
- Quality Control Reviews
- Teamwork and Collaboration
- Problem-Solving
- Active Listening
- Training and Development
- Organization and Time Management
- IR/SAR Reviews and Escalations, Completed detailed analysis to detect patterns, trends, anomalies and schemes in transactions and relationships across multiple businesses and products
- Performed risk-based analysis and remediation for business and consumer accounts per banking guidelines
- Perform documentation review and risk mitigation for customers in tax haven countries and
- EMEA countries
- Perform review activities that will provide reasonable assurance that controls are designed and operating effectively
- Ensure all review results are stored according to Quality Control Adherence standards
- Maintain knowledge of latest guidance on review activities
- Provide training and guidance to internal team members, as required
- Interacted with compliance representatives to assess potential unusual activity
- Communicated with various business units to obtain necessary information for investigations
- Communicated negative findings to lines of business and supplied guidance on course of action.
Quality Control and Governances Analyst
Bank Of The West
03.2018 - 03.2019
- Conducted data review and followed standard practices to find solutions
- Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies
- Independent review and analysis of possible PEP or OFAC hits
- Responsible for clearing or reporting potential hits
- Add and screen related parties for construction loan documents
- Review all individuals and companies within the contract for approvals.
AML Investigator
MUFG Union Bank
08.2016 - 03.2018
- Interacted with law enforcement agencies, regulators and financial institutions to coordinate investigations related to fraudulent activities
- Prepared reports, metrics and research to support fraud initiatives and projects
- Maintained fraud analysis models to improve company systems
- Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents
- Read fraud and security risk management-related articles and white papers and took part in webinars to keep abreast of changes in fraud and security landscape
- Investigated fraud referrals and performed research to minimize risk and resolve inquiries
- Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures
- Investigated activities of institutions to enforce laws and regulations, assessing legality of transactions and operations or financial solvency
- Preforms independent reviews and analysis of possible suspicious activity to ensure
- Compliance with the Bank Secrecy Act and the USA Patriot Act
- Responsible to prepare & submit narrative summary of findings for each individual review, including a detailed recommendation for further action, to Senior VP
- Provides research and evaluation of anti-money laundering (AML) alerts and cases and accurately and sufficiently documents analysis and findings in the MUFG Union Bank case management system
- Completes and submits Suspicious Activity Reports (SAR) and other relevant documentation related to filing decisions
- Responsible for quality and integrity of research and analysis completed and documented in
- SAR and nonSAR forms within various databases.
AML Fraud Investigator
US Bank NA
01.2015 - 05.2016
- Analyzed large amounts of data to find patterns of fraud and anomalies
- Working knowledge of BSA, OFAC and AML policies and FinCEN processes
- Working knowledge of online investigation and SAR creation for law enforcement
- Extensive knowledge in detection of money laundering, credit/debit card fraud, suspicious wire activity and investment fraud
- Research and Investigate potential suspicious activity in accordance with OFAC violations and sanctions countries
- Conduct IP (internet protocol) location tracking
- Adhere and assist in managing service levels
- Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency
- Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact
- Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions
- Prepare reports, exhibits and other supporting schedules that detail an institution's safety and soundness, compliance with laws and regulations, and recommended solutions to questionable financial conditions.
Compliance Analyst
PayPal
10.2010 - 09.2014
- Working knowledge of BSA, OFAC, AML policies and FinCEN processes
- Working knowledge of online investigation and SAR creation for law enforcement
- Work closely and assist with Enhanced Due Diligence and assist in validating KYC and
- Business activities both in the United States and Australia
- Research and Investigate potential suspicious activity in accordance with OFAC violations and sanctions countries, Terrorist Financing, Counterfeit Sales and potential merchant fraud activity
- E-Commerce/Internet marketing protocol
- Adhere and assist in managing service levels
- Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency
- Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact
- Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions
- Prepare reports, exhibits and other supporting schedules that detail an institution's safety and soundness, compliance with laws and regulations, and recommended solutions to questionable financial conditions.
IT Support Specialist
APEX Systems
04.2010 - 09.2010
- Provide excellent Customer Service for University of Phoenix students
- Troubleshoots student IT issues with Web browsers and system issues such as Java script, IP
- Flushes and reinstallation of software
- Walk both student and instructors through the University website and basic pc skills.
Customer Support Analyst, First Line Fraud Analyst
Randstad, Vanguard
11.2009 - 03.2010
- Accurately and efficiently assisted clients in their financial investments and transactions, while providing excellent customer service
- Filed and researched fraud inquires and claims
- Set up EBTs and wire transfers as well as, sent documentation for 1099s.
Fraud investigation Agent
Bank of America
01.2008 - 10.2009
- Investigate/Research suspicious transactions via consumer request
- Adhere to all Compliance regulations and process regarding FCRA,FDIC, BSA/AML and
- Regulation EE and CC
- Customer service in store branch
- Open/close business and consumer accounts
- Call center environment
- Provide calm, reassuring and empathetic customer service
- Trace IP logins (sanctioned countries)
- Adhere to company handle time
- Adhere to banking regulations in regards to fraudulent transactions
- Resolve customer fraud issues.
Personal Banking/Compliance officer
Wells Fargo Bank
01.1998 - 01.2008
- Perform KYC/EDD investigation procedures
- Supervise branch audits
- Research/Investigate any suspicious money movement
- Investigation and resolve any potential ACH/AML issues presented
- Adhere and document any discrepancies in audit findings.
Skills
- Skills
Certification
ACAMS Certified as of March 2020
Sanctions Master Class
Managing FinTceh Compliance Risks
High Risk Crypto Jurisdictions
Rapid response to the Russia - Ukraine Crisis and Sanctions Consideration
Timeline
Financial Crimes Analyst-Investigations
Upgrade
08.2021 - Current
Due Diligence Analyst
Wells Fargo
03.2019 - 07.2021
Quality Control and Governances Analyst
Bank Of The West
03.2018 - 03.2019
AML Investigator
MUFG Union Bank
08.2016 - 03.2018
AML Fraud Investigator
US Bank NA
01.2015 - 05.2016
Compliance Analyst
PayPal
10.2010 - 09.2014
IT Support Specialist
APEX Systems
04.2010 - 09.2010
Customer Support Analyst, First Line Fraud Analyst
Randstad, Vanguard
11.2009 - 03.2010
Fraud investigation Agent
Bank of America
01.2008 - 10.2009
Personal Banking/Compliance officer
Wells Fargo Bank
01.1998 - 01.2008