Takisha Pate
Dallas,TX
Summary
Highly detailed, research, and investigative skilled Senior AML/KYC Analyst with extensive experience in the Financial Servicing Industry with an in depth knowledge of Compliance, OFAC, and BSA regulations. In depth experience conducting EDD & CDD reviews, Transaction Monitoring, AML, KYC, and Due Diligence. Experienced & knowledgeable with Actimize & LexisNexis and Google searches. Ability to communicate effectively, both orally and in writing, ability to work effectively and amicably within a team environment. Strong Knowledge with Microsoft Office Suite, Lexis Nexis, LPS Desktop, KYC, AS400, MSP and Sawgrass. Great problem solving and decision making skills.
Overview
15
15
years of professional experience
Work History
Senior AML/KYC,EDD Fraud Investigator
Capitol One Bank
Plano, TX
06.2018 - 07.2024
Senior AML/BSA Fraud Investigator
Capital One Bank
Plano, TX
06.2018 - 01.2019
- Executing AML customer research based on demographic information for new and existing customers
- Resolving escalated level 2 Customer matches identified during On-
- Conducting searches to identify active customers referred to Client by regulators or government agencies via Lexis-Nexis, Google, World Check and Dun & Bradstreet
- Working closely with AML Partners (AML investigations, FIU Client On-Boarding and Maintenance, Global Sanctions Compliance) throughout a duration of an investigation
- Disposition of high-risk name screening escalations, conducting name searches (i.e., 314(a) and ad hoc), resolving matches identified during on-boarding and maintenance processes
- Analyzing alerts and investigating customers who match the SDN, Politically Exposed Persons and Negative Media lists during the account opening and maintenance processes
- Conducting searches, gathering data and recording evidence from internal systems, the internet, commercial databases and inquiry with business or Implemented test plans designed by the Team Lead
- Reported any problems or issues with the performance of the product to the Product Manager.
AML/KYC Fraud Investigator
BSI Financial Services
Irving, TX
02.2014 - 06.2018
- Strong working knowledge of AML/ EDD /KYC/BSA Federal regulatory requirements
- Anti-Money Laundering (AML) and Bank secrecy act (BSA) suspicious activity investigation
- AML compliance program review and enhancement
- Compliance Reviews
- Executed AML risk assessments for the Various Business Groups
- Customer Due Diligence
- Enhanced and specialized in due diligence
- Evaluated analyst work against a specific compliance standard
- Provided regular and consecutive feedback and act as as Subject Matter Expert (SME) daily
- Implemented test plans designed by the Team Lead
- Reported any problems or issues with the performance of the product to the Product Manager
- Executed complex test cases, validate testing efforts, and log defects
- Met monthly 'Closure Rate' goal and exceeded monthly goals by 20%
- Organized monthly test case load to maximize efficiencies and maintain quality standard
- Worked in collaboration with diverse project resources including IT and Business representatives, Business Analyst, Developers and Test Manager to successfully implement.
Fraud Investigator
Chase Bank
Irving, TX
02.2012 - 02.2014
- Analyzed high risk wire transaction activity and provided investigative case analyses utilized for SAR preparation and filing
- Investigated individual and corporate financial activities suggestive of possible money laundering in a correspondent banking environment
- Dispositioned of high-risk name screening escalations, conducting name searches, resolving matches identified during on-boarding and maintenance processes
- Analyzed alerts and investigating customers who match with SDN, Politically Exposed Persons and Negative Media lists during the account opening and maintenance processes
- Reviewed wire transfers for correspondent clients to ensure compliance with the U.S
- Treasury, Department's Office of Foreign Assets Control and Anti Money Laundering
- Prepared investigative case review summaries analyzing transaction activity occurring in high and medium-risk accounts maintained by the bank using solutions such as Actimize & Mantas
- Identified unknown, foreign entities and/or adverse information in association with said entities by searching internal data, public domain, LexisNexis and other available sources
- Detected patterns, trends, anomalies and schemes in detailed transaction reviews
- Participated in various work streams including; look back projects and case support.
Fraud Analyst
Citi Bank
Irving, TX
02.2009 - 02.2012
- Reported any problems or issues with the performance of the product to the Product Manager
- Executed complex test cases, validate testing efforts, and log defects
- Met monthly 'Closure Rate' goal and exceeded monthly goals by 20%
- Organized monthly test case load to maximize efficiencies and maintain quality standard
- Worked in collaboration with diverse project resources including IT and Business representatives, Business Analyst, Developers and Test Manager to successfully implement the project within the approved budget and time line
- Evaluated servicer-backed mortgage loan documentation for compliance with the OCC applicable laws, AML, KYC, regulations and other guidelines and identify compliance errors
- Critically-evaluated the formal representation of high-level accounts for a top US Bank through the development of legal, sales, and credit hierarchies underpinned by well-founded research methods and proper handling of provided account information.
Education
High School Diploma -
South Oak Cliff High School
Dallas, TX, United States05-1995
BBA: Business Management -
University of Phoenix - Dallas Campus
Dallas, TX, United StatesSkills
- Microsoft Word
- Excel
- Pivot Table
- SAR FILING
- Actimize Loan safe
- Compliance Easet
- Google Search
- FINCENGOV
- PacerReal
- Lexis Nexis
- Quest
- Mantas AVM Expert
Timeline
Senior AML/KYC,EDD Fraud Investigator
Capitol One Bank
06.2018 - 07.2024
Senior AML/BSA Fraud Investigator
Capital One Bank
06.2018 - 01.2019
AML/KYC Fraud Investigator
BSI Financial Services
02.2014 - 06.2018
Fraud Investigator
Chase Bank
02.2012 - 02.2014
Fraud Analyst
Citi Bank
02.2009 - 02.2012
High School Diploma -
South Oak Cliff High School
BBA: Business Management -
University of Phoenix - Dallas Campus
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