TAMIKA FRANCIS
Dacada
Summary
Compliance professional with extensive expertise in overseeing workflows, strategic planning, and developing compliance procedures. Proficient in SQL, Tableau, and SAR writing, with a strong background in AML, fraud analysis, and financial crime investigations. Demonstrates a keen ability to lead complex investigations (AML, fraud, ATO), implement new FinCrimes processes, respond to law enforcement requests, and handle high-risk scenarios including PEPs, sanctions, and adverse media. Known for producing high-quality reports and documentation, supporting cross-functional projects, and maintaining data confidentiality with integrity. Strong investigative and people management skills.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Compliance Manager (Lead)
CashApp (Block)
10.2023 - Current
- Oversee assigned workflows of the Unacceptable Use Program (UUP) team operations, ensuring smooth work flow and alignment with strategic objectives.
- Support direct Manager with strategic FinCrime projects and proactively assist with the efficient implementation of new processes.
- Identify and investigate suspicious financial activities including AML, fraud, and ATO cases.
- Efficiently execute transaction monitoring tasks and handle alerts triggered by monitoring tools and high-risk scenarios.
- Lead EDD processes, review PEP, sanction, and adverse media screenings, and handle escalations per established procedures.
- Draft and maintain high-quality investigation reports, ensure accurate filing of supporting documentation.
- Handle external information requests, including subpoenas and law enforcement inquiries.
- Maintain the confidentiality of customer, partner, and business information at all times.
- Collaborate with Product and Compliance to provide payment-related compliance insights to enhance tooling, automation, and processes.
- Create and maintain detailed documentation on procedures, risk analysis, and incident reporting; deliver reports tailored to various stakeholders.
- Conduct training, shadow sessions, and coaching for specialists; manage a team of 20+ analysts and contractors.
- Write and update policies and procedures; forecast team needs based on SLAs and KPIs.
- Perform SQL queries and generate Tableau reports for performance and trend analysis.
Officer, AML Analyst- Global Financial Crimes Compliance
Bank of America
01.2023 - 10.2023
- Broker Dealer and bank daily transaction monitoring- Review system generated and manual AML and KYC alerts.
- Document and report BSA/AML risk matters; case review/investigation findings and prepare case files for review.
- Conduct research over available internal bank, the Internet and internal systems.
- Collect and examine financial statements/trade data and other documents to assist in identifying unusual transaction patterns.
- Prepare SAR filings.
- Follow-up with additional Point(s) of Contact (POC) as needed to identify additional information in support of the case.
- Conduct risk-based customer due diligence through various systems/applications.
- Liaise with other FIU units and Law Enforcement, where applicable.
- Respond to 314 B requests.
AML/Fraud Analyst (Contractor)
ComQSoft - Peraton (Northrop Grumman)
01.2021 - 01.2023
- Evaluates system alerts for potential fraud.
- Reviews transactions in multiple systems as well as input from other sources to identify fraud.
- Communicate with internal and external sources related to potentially fraudulent activity.
- Provide input on identifying fraud as well as improving existing fraud models.
- Works with technical staff to test fraud models.
- Conduct internal training.
- Manage AML alerts, perform analysis and follow-up and work cases from beginning to completion according to internal AML procedures and policies.
- Participates in meetings and events representing the customer and Northrop Grumman.
Senior Compliance AML Analyst- (Contractor)
Mitchell Martin Consulting- Citibank
09.2020 - 01.2021
- Broker- Dealer, Institutional Markets and bank transaction monitoring of fraud and AML alerts.
- Conduct research over available internal bank, internet and other databases.
- Examine financial statements/trade data and other documents to assist in identifying unusual transaction patterns.
- Follow-up with additional Point(s) of Contact (POC) as needed to identify additional information in support of the case.
- Document all research and analysis conducted in the Case Management System.
- Create Suspicious Activity Reports (SARs); and recommend relationship retention or termination; and track account closures as required.
- Conduct risk-based customer due diligence.
- Adept understanding of complex financial products and transactions including equities, fixed income securities, derivatives, prime brokerage, private placement, asset management, hedge funds, security transfers, ACATS, etc.
Sr. Analyst, Third Party Oversight & Compliance
TransAmerica
10.2018 - 09.2020
- Directed internal and external audits.
- Lead/participate in conducting Compliance Testing and Reviews for department.
- Assisted with risk assessments.
- Ensured ongoing monitoring and control of third-party relationships; identify risks and modify controls as needed; provide results to department management and Board of Directors.
- Evaluation of service level agreement against statistical data to verify compliance or take appropriate remedial action.
- Conducted compliance testing and reviews.
- AML transaction monitoring and SAR review.
- Investigate and respond to customer complaints.
- Maintained third party relationships and serve as liaison for management and staff.
- Maintained documentation of processes and controls.
- Stay abreast of industry regulations and requirements and provide updates and training to department staff.
- Coordinate and complete all required regulatory reports, including 38a-1 and 22C-1 rule.
- Conducted Compliance trainings.
- Serve as Fund Operations representative on various internal and external committee.
Sr. QA Investigator FIU/AML- Compliance and Ethics
Walmart Financial
06.2017 - 10.2018
- Trained analysts to write SARS and investigate AML/Fraud typologies.
- Supervised BSA Analysts and contractors.
- Transaction monitoring.
- Reviewed (QA) Suspicious Activity Reports (SAR) and investigations completed by BSA analysts.
- Conducted customer screening and documentary verification of beneficial owner and controllers.
- Escalated items for law enforcement investigation.
- Identified training opportunities, developed and conducted a wide range of BSA/AML related trainings.
- Attended industry training and continuing education.
- Prepared and reviewed materials for regulatory exams and audits.
- Conducted customer screening and beneficial owner verification.
Senior Analyst AML/Fraud Compliance/Consultant
Western Union Business Solutions (WUBS)
06.2014 - 06.2017
- Streamlined QA process, enhancing WUBS program compliance.
- Identified and responded to emerging financial crime patterns, improving risk mitigation strategies.
- Presented critical findings at SAR Committee meetings, influencing AML policy decisions.
- Reviewed (QA) and filed Suspicious Activity Reports (SAR) to file with FinCEN.
- Conducted complex FIU investigations, write SARs and trained analysts to write SARS.
- Transaction monitoring: Review and investigate fraud alerts.
- Expert in working account takeovers, human trafficking, terrorist financing, etc.
- Conduct customer outreach.
- Conducted detailed customer due diligence, mitigating high-risk accounts.
- Remained informed regarding legal and regulatory developments impacting the company.
- Conducted analysis of correspondent banking transactions to identify risks, trends and potential suspicious activity, using both internal databases and external investigative tools.
Education
MBA -
University of Phoenix
BA -
University of NC at Greensboro
Skills
- Compliance
- SAR Writing
- BSA
- PATRIOT Act
- Fraud/AML/KYC/EDD
- Regulatory Compliance
- FINRA and SEC knowledge
- FinCrime Investigations (AML, Fraud, ATO)
- Transaction Monitoring & Alert Handling
- Law Enforcement & Subpoena Response
- High-Risk Escalations (EDD, PEP, Sanctions, Adverse Media)
- Policy & Procedure Development
- Risk Analysis & Reporting
- Confidential Data Handling
- Payment Compliance & Automation Strategy
- MS Suite (Excel, PowerPoint, Access, Outlook)
- World Check/ Lexis Nexis/CLEAR/Tlo
- SharePoint
- Actimize
- IRIS
- Salesforce
Certification
- Lean Six Sigma (Green Belt)
- Series 7, 6, 63 and 24- INACTIVE
Locations
- Remote
- Dallas, Dallas, TX
- Washington, Washington, DC
Timeline
Compliance Manager (Lead)
CashApp (Block)
10.2023 - Current
Officer, AML Analyst- Global Financial Crimes Compliance
Bank of America
01.2023 - 10.2023
AML/Fraud Analyst (Contractor)
ComQSoft - Peraton (Northrop Grumman)
01.2021 - 01.2023
Senior Compliance AML Analyst- (Contractor)
Mitchell Martin Consulting- Citibank
09.2020 - 01.2021
Sr. Analyst, Third Party Oversight & Compliance
TransAmerica
10.2018 - 09.2020
Sr. QA Investigator FIU/AML- Compliance and Ethics
Walmart Financial
06.2017 - 10.2018
Senior Analyst AML/Fraud Compliance/Consultant
Western Union Business Solutions (WUBS)
06.2014 - 06.2017
BA -
University of NC at Greensboro
MBA -
University of Phoenix
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