STEPHANIE GARCIA
Buena Park,CA
Summary
BSA/AML Compliance Professional with 9+ years of experience leading financial crime investigations, responding to legal requests, and ensuring regulatory compliance. Specialized in fraud detection, SAR filing, transaction monitoring, and EDD. Proficient in tools such as Actimize, LexisNexis, and CLEAR. Adept in collaborating with law enforcement and internal teams to mitigate risk and drive compliance excellence. Bilingual in English and Spanish.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Compliance Analyst
Ping Pong
03.2025 - Current
- Develop and enforce AML/CFT compliance controls and procedures across North America operations.
- Conduct onboarding reviews for customers, business partners, and transactions.
- Respond to federal/state inquiries, audits, and law enforcement requests.
- Support business/state money transmitter licensing and compliance testing.
- Assist in special projects, internal audits, and regulatory exams.
- Completed field checks to verify licenses and permits for various business.
AML/BSA Investigations Officer
U.S. Bank
01.2022 - 11.2024
- Led AML investigations and filed SARs with FinCEN.
- Analyzed transaction data to detect patterns of suspicious activity.
- Performed EDD reviews and collaborated with internal teams and regulators.
- Documented investigative findings and maintained audit readiness.
- Supported OFAC, FinCEN, and fraud reporting requirements.
Subpoena Division Supervisor
Ria Financial
01.2019 - 01.2022
- Managed legal requests and led a team of five responding to 314(a) inquiries.
- Prepared reports for senior management highlighting fraud trends.
- Conducted deep-dive investigations and collaborated with law enforcement.
- Maintained accurate tracking systems and handled SAR filings as needed.
Subpoena Analyst Team Lead
Ria Financial
01.2017 - 01.2019
- Supervised a team of four in analyzing and responding to subpoenas and legal requests.
- Collaborated with FBI, U.S. Marshals, and other agencies on investigative matters.
- Generated detailed records and reports for ongoing legal cases.
- Led internal coordination for timely and compliant information sharing.
Compliance Analyst – Walmart to Walmart
Ria Financial
01.2016 - 01.2017
- Verified the legitimacy of customer transactions and escalated fraud risks.
- Filed SARs related to romance scams, elder abuse, and identity theft.
- Recommended updates to filters to prevent emerging fraud trends.
- Provided support to management on fraud detection protocols.
Fraud Prevention Analyst
Ria Financial
01.2015 - 01.2016
- Confirmed transactions with store agents to validate legitimacy.
- Collaborated with internal teams to improve fraud prevention.
- Reported suspicious activity and delivered customer support.
Operations Specialist
Ria Financial
01.2014 - 09.2014
- Answered calls and provided customer guidance on secure transactions.
- Updated internal databases with accurate and current information.
- Maintained a 99% quality service score by implementing QA procedures.
- Oversaw day-to-day operations, delegating tasks appropriately to ensure smooth workflow and timely completion of projects.
- Successfully managed multiple projects simultaneously while adhering to deadlines and budget constraints.
- Boosted customer satisfaction, addressing client concerns in a timely and professional manner.
- Collected, arranged, and input information into database system.
- Provided training for new hires, fostering a supportive learning environment conducive to success in their roles.
Education
A.A. - Administration of Justice
Cerritos College
High School Diploma - undefined
Mayfair High School
Skills
- Anti-money laundering investigations
- Suspicious activity reporting
- Fraud detection expertise
- Legal Research & Subpoena Response
- Enhanced Due Diligence (EDD)
- Risk Management
- Regulatory Compliance (BSA, OFAC, FinCEN)
- KYC/CDD Procedures
- LexisNexis, CLEAR, Actimize
- Microsoft Office Suite & Power BI
- SQL proficiency
- Know your customer
- Investigation techniques
- AML compliance
- Transaction monitoring
- Customer due diligence
Accomplishments
- Supervised team of 6 staff members.
- Resolved product issue through consumer testing.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
Languages
English (Fluent)
Spanish (Fluent)
Certification
- AML Training - 2024
- Fraud prevention training
Timeline
Compliance Analyst
Ping Pong
03.2025 - Current
AML/BSA Investigations Officer
U.S. Bank
01.2022 - 11.2024
Subpoena Division Supervisor
Ria Financial
01.2019 - 01.2022
Subpoena Analyst Team Lead
Ria Financial
01.2017 - 01.2019
Compliance Analyst – Walmart to Walmart
Ria Financial
01.2016 - 01.2017
Fraud Prevention Analyst
Ria Financial
01.2015 - 01.2016
Operations Specialist
Ria Financial
01.2014 - 09.2014
High School Diploma - undefined
Mayfair High School
A.A. - Administration of Justice
Cerritos College
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