Stephanie Torres
San Antonio
Summary
Results-driven Compliance AML/KYC Analyst with extensive experience at Citibank, excelling in risk assessments and regulatory compliance. Proven ability to manage high-volume pipelines while providing subject-matter expertise and training to peers. Strong analytical skills complemented by effective communication, ensuring alignment of customer activity with compliance standards.
Overview
10
10
years of professional experience
Work History
Compliance AML/KYC Analyst
Citibank
San Antonio
07.2022 - 10.2025
- Onboarded and continuously updated customer KYC profiles via scheduled reviews and unscheduled review processes.
- Conducted transactional reviews to assess risk and ensure alignment of customer activity with client profiles.
- Documented risk-based analyses for customers requiring periodic reviews, escalating reports as necessary.
- Performed investigations using external systems such as Lexis Nexis and Google Street Reviews.
- Ensured compliance with federal, state, and local regulatory requirements related to KYC and FINCEN.
- Executed enhanced due diligence reviews in response to sanctions, non sanctions, and negative news alerts.
- Drafted summaries summarizing key findings from document reviews.
- Managed a pipeline of up to 40 active business accounts, including sole proprietors and LLCs.
- Provided guidance and training to peers while serving as a subject matter expert for new team members.
Substitute Teacher
Northside Independent School District
San Antonio
01.2022 - 05.2022
- Provided classroom instruction outlined in teacher's lesson plans.
- Assisted in maintaining student records and providing feedback.
- Supported students with special needs through individualized attention and resources.
- Communicated effectively with parents about student progress and classroom activities.
- Supervised students during lunch and recess to ensure safety and compliance.
- Assisted in maintaining classroom organization and cleanliness throughout the day.
- Encouraged positive behavior among students through effective communication techniques.
- Collaborated with teachers to implement lesson plans and instructional materials.
- Served as a long-term substitute teacher for a 4th grade classroom.
- Followed district guidelines for classroom management and discipline.
- Managed classroom behavior to maintain a positive learning environment.
Mortgage Loan Processor
Wells Fargo Home Mortgage
San Antonio
08.2020 - 02.2021
- Gathered necessary information from borrowers to facilitate mortgage processing.
- Analyzed financial data to assess risk factors associated with loan applications.
- Prepared and verified documentation to ensure compliance with regulatory requirements.
- Collaborated with underwriters to address application issues effectively.
- Ordered appraisals and title services on behalf of borrowers as needed.
- Managed loan application pipeline by completing reports within designated timeframes.
- Assisted team members in training on processing software systems to enhance productivity.
- Maintained consistent communication with borrowers throughout the process.
Document Review Specialist - Court Orders & Levies
JP Morgan Chase Bank
San Antonio
04.2019 - 11.2019
- Reviewed legal documents for compliance with company policies and regulatory standards.
- Specialized in information subpoenas, restraining orders, and court orders.
- Maintained a database of reviewed documents and archived records accordingly.
- Worked closely with lawyers and paralegals during complex litigation cases requiring extensive documentation analysis.
- Collaborated with cross-functional teams to streamline document review processes.
- Maintained accurate records of reviewed documents for auditing purposes.
Research/Remediation Associate SCRA
Wells Fargo Home Mortgage
San Antonio
06.2016 - 04.2017
- Reviewed Service members KYC records to verify primary residency throughout service period.
- Conducted thorough research on mortgage remediation processes and compliance requirements.
- Processed SCRA benefits for mortgage loans in current and delinquent status.
- Initiated, extended, and deactivated loans under SCRA protection based on military orders.
- Conducted comprehensive reviews, including calculations of subsidies and fees.
- Managed a pipeline of up to 30 SCRA mortgage accounts efficiently.
- Reviewed daily reports and allocated work assignments effectively.
- Assisted in developing and updating remediation strategies for loan servicing issues.
- Utilized internal banking systems, including MSP and Department of Defense website.
- Provided training and support to team members on remediation procedures and tools.
- Maintained detailed records of remediation activities for auditing purposes.
- Demonstrated strong organizational skills when managing multiple projects simultaneously.
Servicing Specialist III SCRA
Robert Half International - Wells Fargo
San Antonio
07.2015 - 12.2015
- Reviewed Service members KYC records to verify primary residency throughout service period.
- Conducted thorough research on mortgage remediation processes and compliance requirements.
- Processed SCRA benefits for mortgage loans in current and delinquent status.
- Initiated, extended, and deactivated loans under SCRA protection based on military orders.
- Conducted comprehensive reviews, including calculations of subsidies and fees.
- Managed a pipeline of up to 30 SCRA mortgage accounts efficiently.
- Utilized internal banking systems, including MSP and Department of Defense website.
- Maintained detailed records of remediation activities for auditing purposes.
- Demonstrated strong organizational skills when managing multiple projects simultaneously.
Education
Bachelor's Degree - Business Administration/Management
University of The Incarnate Word
San Antonio, TX12-2014
Skills
- Compliance and risk assessments
- AML/KYC reviews and EDD
- Analytical and organizational skills
- Problem-solving expertise
- BSA and KYC compliance
- FINCEN standards adherence
- High-volume pipeline management
- Transactional activity analysis
- CIP reviews and LexisNexis
- Effective communication skills
- Team collaboration and leadership
- Subject-matter expertise and peer training
- Regulatory compliance
- Customer due diligence
- Attention to detail
- Problem solving
- Organizational skills
- Time management
- Effective communication
- Compliance reporting
Timeline
Compliance AML/KYC Analyst
Citibank
07.2022 - 10.2025
Substitute Teacher
Northside Independent School District
01.2022 - 05.2022
Mortgage Loan Processor
Wells Fargo Home Mortgage
08.2020 - 02.2021
Document Review Specialist - Court Orders & Levies
JP Morgan Chase Bank
04.2019 - 11.2019
Research/Remediation Associate SCRA
Wells Fargo Home Mortgage
06.2016 - 04.2017
Servicing Specialist III SCRA
Robert Half International - Wells Fargo
07.2015 - 12.2015
Bachelor's Degree - Business Administration/Management
University of The Incarnate Word