Tanya Morton
Panama City
Summary
Dynamic financial professional with a robust understanding of regulatory requirements and risk management in the banking sector. A detail-oriented approach enhances safety performance and cultivates a culture of sustainable value at Tyndall. Proven ability to leverage excellent time management and organizational skills to consistently meet business targets and deadlines while fostering effective communication and collaboration to mitigate risks. Recognized for delivering precise assessments and utilizing advanced analytical skills to support compliance with regulatory standards, ensuring thorough risk assessments and accurate reporting through industry best practices.
Overview
11
11
years of professional experience
1
1
Certification
Work History
BSA Analyst II
Tyndall Federal Credit Union
Panama City Beach, FL
04.2019 - Current
- Analyzed financial transactions to identify suspicious activity and ensure compliance with regulations.
- Collaborated with cross-functional teams to enhance fraud detection systems and improve reporting accuracy.
- Conducted training sessions for staff on BSA compliance requirements and best practices.
- Led investigations into potential money laundering cases, coordinating with legal and regulatory bodies.
- Implemented process improvements that streamlined reporting workflows and increased operational efficiency.
- Monitored transaction patterns using advanced analytical tools to detect anomalies in member activities.
- Identified customer activity deemed suspicious or potentially fraudulent and prepared reports for committee review.
- Contributed to the development and updating of BSA/AML policies and procedures, ensuring alignment with evolving regulatory requirements.
- Prepared and sent board reports of all SAR'S filed.
- Trained junior analysts, ensuring a well-informed team proficient in BSA/AML regulations.
- Evaluated new products and services for potential AML risks prior to implementation, mitigating possible vulnerabilities within the institution.
- Collaborated with cross-functional teams to address complex financial crime issues and strengthen internal controls.
- Maintained detailed documentation of all investigative findings, providing clear rationale for case closure or escalation decisions.
- Conducted risk assessments to identify gaps in the bank''s AML program and recommend improvements.
- Assisted with compliance exams by gathering files, records and other pertinent information for review by compliance examiners.
- Consistently met deadlines for reporting requirements, adhering to strict regulatory timelines.
- Performed ongoing customer risk rating reviews, adjusting risk profiles based on new or updated information.
- Reviewed alerts generated by transaction monitoring systems, ensuring accurate identification of suspicious activity.
Member Service Representative
Tyndall Federal Credit Union
Panama City, FL
04.2019 - Current
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Reviewed loan agreements to confirm completeness and accuracy.
- Submitted loan applications to underwriter for verification and recommendations.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Helped members resolve account problems and navigate internal systems to handle routine needs.
- Achieved goals for member experience, transaction accuracy and product cross-sell, resulting in consistent growth.
Service Manager II
Wells Fargo
Panama City, FL
09.2015 - 01.2019
- Performed audits of operational and financial areas to check compliance.
- Analyzed balance sheets for mistakes and inaccuracies.
- Collaborated with external partners to complete audits.
- Researched and implemented best practices to improve audit results.
- Managed and trained team members to enhance audit department performance and increase operational efficiency.
- Liaised with auditors to complete annual audits and maintain compliance with local, state and federal requirements.
- Delivered associate performance evaluations to determine merit increases and bonus amounts.
- Supported development and implementation of proactive approaches to address risk, fraud and collection needs.
- Managed and balanced cash vault, audits and general ledger accounts.
- Verified amounts and integrity of every check or funds transfer.
- Identified transaction errors when debits and credits did not balance.
- In charge of making sure CTR, UAR, and SAR's were filed correctly.
- Was in charge of approving all outgoing wires and OFAC reports.
Education
Some College (No Degree) - Business Finance
Auburn University
Auburn, ALAssociate of Science - Business Finance
Wallace State Community College
Hanceville, ALSkills
- Efficient and Detail-Oriented
- Issue and Complaint Resolution
- Excellent Attention to Detail
- Policies and Procedures Adherence
- Strong Analytical and Problem Solving Skills
- Fraud Assessment
- Risk Mitigation
- Transaction Reviewing
- Planning & Organizing
- Transaction Error Identification
- Regulatory Compliance
- Account Security
- Loss Prevention
- Fraud Detection
- Bank Security Issues
- Use case development
- Microsoft Excel
- Business process improvement
- Excellent communication
- Team leadership
- Decision-making
- Analytical thinking
- Risk assessment
- Data analysis
- Risk management
- Fraud detection
Certification
CBSAP Certification
Timeline
BSA Analyst II
Tyndall Federal Credit Union
04.2019 - Current
Member Service Representative
Tyndall Federal Credit Union
04.2019 - Current
Service Manager II
Wells Fargo
09.2015 - 01.2019
Associate of Science - Business Finance
Wallace State Community College
Some College (No Degree) - Business Finance
Auburn University