Taneara Charity
Orlando,FL
Summary
My passion is helping and finding more efficient ways of working within the required guidelines. I excel at being an outstanding performer in quality assurance and service within banking. I have proven success in leadership, operational excellence, and organizational development with a keen understanding of different lines of business and operations within the banking industry recognized for inspiring management and team members to excel and promoting creative work environments. Experienced in holistically reviewing financial documents and digital records and effective at directing, monitoring, and inspiring team members to complete accurate and timely investigations and reports. Talented in training employees, solving complex problems, and making sound decisions. Effective at carrying and organizing a workload of cased and alerts for compliance review and investigations.
Overview
12
12
years of professional experience
Work History
Transaction Monitoring Analyst
Aston Carter/ America (SHBA)
03.2023 - 06.2023
- Knowledgeable with correspondent banking and overseas wire and/or money transfer products.
- Efficiently management of a caseload of alerts/cases.
- Review and investigate Alerts generated by a transaction monitoring system. Identification in red flags for wire cases including if SAR and/or CTR is applicable to transactions.
- Writing a comprehensive analysis of the account activity to support the disposition to close a case or escalate for further action.
- Document and report the investigation findings and prepare case files for review (e.g., media search results, PEP search, review and analysis wire data, results from internal system searches etc.)
- Determine and ascertain the adequacy of the TM Investigator's investigation process and documentation for both the Alerts to be closed or escalated.
- Conduct additional research/review of transactional history as necessary in determining the correct disposition for the Alerts and/or request additional information from the TM Investigator if gaps exist in the documentation or research submitted with their recommended disposition.
- Provide the final disposition of the Alerts and close or escalate to a case.
- Assist Transaction Monitoring Team Lead and QA with case investigations and SAR/CTR drafting as directed.
- Monitor and escalate anomalies and areas of notable deficiencies in the transaction monitoring space to the Team Lead.
- Perform other ad hoc duties as required for the Transaction Monitoring and Reporting Team.
- Communicate effectively with internal and external partners.
- Adheres to the client's Statement of Business Principles and Code of Ethics.
Fraud Investigator 2
Cardworks Services Inc.
08.2022 - 02.2023
- Researches and examines fraud or abuse related to account holder information for clients. In this role, primary responsibilities will include working and investigating card fraud cases, triaging cases, and identifying card fraud cases for investigatory follow-up. Work card fraud cases through the lifecycle of cases to maximize outcomes for cardholder and client, including and not limited to intake of calls.
- Strong working knowledge of card processes, including disputes, chargebacks, and card investigations. A high degree of accuracy (data entry, communication, assessments) and attention to detail in all job functions.
- Conducts outbound calls to merchants and/or cardholders to complete reasonable investigation within regulatory timeframes.
- Assesses incoming card fraud cases to determine the impact on client and cardholder, prioritizing those cases that have particular monetary or reputational impact, and taking action to ensure those cases are worked accurately, comprehensively, and timely so that no opportunities are missed.
- Logs, investigates, updates, and maintains card cases accurately in the case management platform.
- Processes account maintenance, including placing flags and holds on accounts and cards to minimize loss exposure to the client.
- Takes action to ensure that regulatory (Reg E and Z and any other applicable Regulation) and compliance requirements are met with respect to the card case, and remediating immediately if they are not being met.
- Communicates with internal team members, members, and/or vendors via phone, email, and in-person to obtain additional investigation information working to maintain account holder privacy and data integrity while avoiding 3rd party disclosure.
- Performs/originates chargebacks on POS/ATM PIN cases to ensure recovery and minimize loss to clients according to the facts of the case.
- Works with merchants to ensure all recovery efforts are sustained for chargeback, and merchant credits.
Junior Analyst, Compliance/Data Entry Analyst
Aston Carter/WorldRemit
07.2021 - 07.2022
- Processed an average of 25 SAR forms a week using the Slack messaging program to accurately and rapidly transcribe SAR data that has been gathered and investigated from SAR alerts by compliance analysts and enter into SAR forms.
- Must verify and correct data entered on the SAR forms via data given by analysts.
- Train new data entry analysts on how to read data that should be entered and what data should be included on the SAR forms. Give feedback and instruction to data analysts after one on one training to help understand and implement corrections.
Research & Remediation Analyst
Aerotek| Wells Fargo Bank
05.2020 - 06.2021
- Review customer concerns and identify risks in a timely manner to resolve customer concerns within guidelines.
- The primary focus is on capturing, researching, and resolving customer dissatisfaction; executing deep root cause analysis; and proactively identifying continuous opportunities that are engineered to improve customer experience and drive out dissatisfaction.
- Maintained up-to-date records of research activities and results for future reference.
- Training other employees on policy and procedures within the Research & Remediation role.
- Researching customer's concerns by listening to the recorded call, reviewing bank accounts and personal information, and resolving issues based on bank guidelines on if compensation is suggested which is sent in writing via email or mail.
- Working on special projects such as giving remediation credits for identified accounts regarding fees charged to the customer.
Account Analyst I
Fidelity Information Services
05.2017 - 02.2020
- Provides administrative processes support for routine "back office" tasks such as client support processing, researching customer deposit and loan-related questions/problems, and performing miscellaneous customer and account maintenance as defined by client specific procedures.
- Routine decision-making is tightly defined, with greater latitude at higher job levels, all the while focused on efficient processing of high-volume transaction-oriented assignments.
- Working in several different remote desktops per day to provide back office maintenance for banks such as Barclays, Tiaa Bank, RBC Bank and Etc.
- Back office maintenance includes tracking cases and working from a queue, closing accounts, transferring funds, processing wires, auditing accounts and sending emails regarding audit, and review submitted documents for accounts that weren't opened.
- Train other employees on the procedures and policies of back office process and give feedback on work processed and how to become more efficient,
Bank Support Specialist Supervisor
SunTrust Bank
10.2012 - 07.2016
- Provide excellent customer service to clients regarding their financial needs.
- Investigate and provide resolutions to clients while anticipating client's service needs and handle escalations or forward to the Office of the President if any key words are alerted for further review.
- Perform accurate banking transactions as well as senior level transactions, such as merchant releases, travel notification, limit increases, and letter generation.
- Trained in several lines of business such as: Fraud, Business Accounts, Credit Cards and Loan servicing, so that I am empowered to help clients who need exceptions made without having to impact their day.
- My duties included filing claims, release credit card authorizations, unblock cards, remove check holds on business accounts, extending credit limit or releasing payment when paid with internal personal account, calculate loan interest, advise of payment options, look up status of loans applications and forward to be
Bank Support Specialist
SunTrust Bank
08.2011 - 10.2012
- Handles inbound service calls from clients, while looking for sales referral opportunities for personal banking products and services.
- Answer questions for clients within set standards.
- Resolves problems and complaints clients may have about banking products and services.
- Being a team lead and helping to train on SunTrust products, systems, policies, SunTrust Online (STOLI) sales skills, procedures, service and referrals.
Education
Bachelor of Science - Business Administration And Management
Columbia College
Columbia, MO06.2024
Skills
Fraud, BSA, AML, Management, Organizational, and Technical Skills
- Top Process Quality Scores in every position held and recognized for accomplishments
- Responsible for complex duties and decisions relating to fraudulent applications, transactions, and customer fraud claims
- Maintain knowledge of AML-related regulations and Stays up to date on Bank Secrecy Act regulations (anti-money laundering) and Office of Foreign Assets Control (OFAC) regulations as well as bank's AML program policies and procedures
- Being a mentor and guide to junior Account Services Specialists and/or proactively assisting in production issues and questions
- Research and resolve internal and external customer-submitted and client-submitted account questions or problems outside normal daily procedures
Organizational Skills
- Using Skype and Outlook to schedule team meetings for various undertakings
- Performs tasks to ensure compliance with workgroup and client-specific procedures to further guarantee adherence to service level agreements
- Works with appropriate system and vendor reports to ensure timely and accurate processing of all regulatory and non-regulatory issues
Management Skills
- Able to develop solutions to problems in situations that are typical and/or moderately complex based on experience and existing precedent or procedures
- Using 10 or more applications in a workday while maintaining efficiency and quality within the company the values/ guidelines/ standards
Technical Skills
- Proficient in using Microsoft Word, Excel, PowerPoint, PC, iOS platforms, Citrix, Mainframe, RETS, CSI, Partner Care, Online Cash Management, Compass, Western Union Speed pay, Pion Mainframe, Dealertrack, Salesforce, Avaya, Lynx Messenger, First Data, Channel Link, Knowledge-Based Assessments, X-Net, Image Explorer, SOS Information Systems, Savana, Web CSR, VA Web, Net Image, VPN, Bastions, SQN application, IBS application, Microsoft Teams, Putty DIPR, Pega 7, OIB, CIV, Skype, AFS, Jabber, FDR, IQ Navigator, RSA Device, SVP, SOTA Authentication, MARS Typing/Word processing 55 wpm, Imaging, Scanning, Faxing, Operations, Aither, PEP, Refinitive World Check and Work load Monitoring
Timeline
Transaction Monitoring Analyst
Aston Carter/ America (SHBA)
03.2023 - 06.2023
Fraud Investigator 2
Cardworks Services Inc.
08.2022 - 02.2023
Junior Analyst, Compliance/Data Entry Analyst
Aston Carter/WorldRemit
07.2021 - 07.2022
Research & Remediation Analyst
Aerotek| Wells Fargo Bank
05.2020 - 06.2021
Account Analyst I
Fidelity Information Services
05.2017 - 02.2020
Bank Support Specialist Supervisor
SunTrust Bank
10.2012 - 07.2016
Bank Support Specialist
SunTrust Bank
08.2011 - 10.2012
Bachelor of Science - Business Administration And Management
Columbia College
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