Summary
Overview
Work History
Skills
Accomplishments
Timeline
Generic

Synai Smith

Anti-Financial Crimes Analyst
Houston,TX

Summary

Highly motivated Fraud and Risk analyst with eight years experience in fraud investigations. Organized and results driven professional with an excellent track record of preventing and mitigating fraud in the Finance industry. Skilled in conducting complex investigations, extensive research and analyzing data. Experienced in collaborating with a diverse team of analysts. Excellent verbal and written communication skills. Strong interpersonal, problem resolution and team-leadership skills.

Overview

14
14
years of professional experience

Work History

Anti-Financial Crimes Analyst

Stellar Bank (contract)
09.2023 - Current
  • Reviewed and dispositioned an average of 65 fraud alerts that generated by the Bank's transaction monitoring and/or screening system.
  • Conducted complex fraud case investigations, documented all findings and prepared suspicious activity reports (SARS).
  • Reviewed accounts for check fraud, account take-over, inactive account fraud, identity theft, wire fraud and elder exploitation.
  • Interfaced with customer servicing officers and other Bank employees regarding customer transactions to determine the legitimacy of transactions
  • Identified and tracked current fraud trends by reviewing transactions and account patterns.
  • Researched suspicious activity in accordance with applicable procedures and escalate when necessary.
  • Reviewed and assess customer risk ratings and performed negative news searches
  • Effectively communicated with the Bank's Loss Prevention Officer when investigations are opened to resolve fraud cases.

Fraud Analyst

USAA (contract)
07.2022 - 08.2023
  • Conducted investigations of fraud cases, documented investigative findings, and determined whether the case should be escalated for further review or action.
  • Analyzed transactional data and conducted internal and external research on subjects using a variety of research tools.
  • Oversaw clearing fraud alerts that are be generated by the Bank's fraud detection systems.
  • Monitored consumer transaction and account activity for potentially fraudulent activity, including identity theft, kiting, account take-over, friendly fraud, elder exploitation and other identified risks.
  • Identified scenarios which merit a suspicious activity report (SAR) to be filed.
  • Accurately and thoroughly gathered necessary documents for SAR development.
  • Drafted and/ or filed SARs when deemed necessary and articulated findings in a clear, concise manner.
  • Identified and monitored high risk clients through completion of Enhanced Due Diligence (EDD).
  • Maintained high attention to detail, strong level of independence and time management skills while meeting production targets and quality standards.

Fraud Analyst/ Operations Specialist III

First Citizens Bank & Trust
04.2016 - 12.2022
  • Oversaw the daily review of fraudulent transactions via Mobile RDC, ATM, ACH, Debit and Prepaid cards.
  • Coordinate with Risk Processing Operations to address suspicious or fraudulent activity and accounts.
  • Researched and analyzed account activity to assess the level of risk to the client and the bank.
  • Reviewed and investigated customer profile information (PII, email, phone, etc)
  • Responsible for Exception Item processing; including ACH rejected items, NSF, Non-Post and Return Deposited items (EARNs).
  • Processed returns, check adjustments, exceptions and settlement reconciliation.

Assistant Operations Officer

International City Bank
09.2010 - 11.2013
  • Oversaw the daily operation of the branch, supervises tellers, new accounts and customer service areas of the Bank
  • Ensure the branch is following all applicable laws, regulations, bank policies and procedures
  • Established new accounts including Checking, Savings, Money Market, CD's and IRA's
  • Completed NSF, large transaction, kiting suspect, non-post, stop suspect and AML reports
  • Responsible for certifications, processing of outgoing and incoming wire transfers, levies and subpoenas and ATM/ Vault balancing, incoming and outgoing collections and EARNS notifications
  • Trained new employees, monitored work performance and assisted with performance reviews.

Skills

  • Microsoft 365

  • Bank Secrecy Act
  • LexisNexis
  • Data Analysis
  • Anti-Money Laundering
  • Investigations
  • Fraud Detection
  • Enhanced Due Diligence
  • SAR writing
  • KYC verification
  • Research

  • Verafin

Accomplishments

  • Detected and resolved new fraud trends which led to a savings of over $3.2M annually in fraudulent check and ACH transactions at First Citizens Bank for four consecutive years.

Timeline

Anti-Financial Crimes Analyst

Stellar Bank (contract)
09.2023 - Current

Fraud Analyst

USAA (contract)
07.2022 - 08.2023

Fraud Analyst/ Operations Specialist III

First Citizens Bank & Trust
04.2016 - 12.2022

Assistant Operations Officer

International City Bank
09.2010 - 11.2013

Similar Profiles

CREATE PROFILE
Synai SmithAnti-Financial Crimes Analyst