THRESHA Nicole LLENA
Mililani,USA
Summary
Accomplished financial professional with 10+ years of experience in banking regulatory compliance, risk management, and fraud prevention across front-line and back-office operations. Known for strong analytical skills, precise documentation, and sound judgment in reviewing complex financial information. Experienced in collaborating with cross-functional teams to resolve discrepancies and ensure compliance with regulatory requirements. Seeking to contribute to a payroll tax compliance team while developing deeper expertise in payroll tax processes, regulations, and reporting.
Overview
10
10
years of professional experience
Work History
BSA Regulatory Analyst II
American Savings Bank
Honolulu, USA
12.2024 - 08.2025
- Evaluated risk criteria and identified suspicious account activity, determining the necessity for account blocking or closure in compliance with regulatory guidelines
- Reviewed and approved SARS submitted by junior analysts, ensuring accuracy and adherence to FinCEN submission requirements
- Investigated high-profile cases, including organized crime, marijuana-related accounts, and subpoenas, providing detailed reports to support regulatory and investigative needs
- Monitored BSA/AML alerts, performed sanctions screening, and escalated high-risk cases using OSINT and third-party tools to mitigate potential fraud risks
- Conducted enhanced due diligence on high-risk clients, ensuring compliance with BSA/AML regulations and maintaining up-to-date customer information
- Trained and mentored junior associates and branch staff on BSA, CTR, and compliance requirements, fostering a culture of compliance within the organization
- Assisted in system conversion projects, streamlining BSA/AML program efficiency and reporting accuracy to enhance fraud detection capabilities
Senior BSA & Deposit Compliance Analyst
Northrim Bank
Anchorage, USA
05.2020 - 12.2024
- Held this role during two separate tenures – May 2020–Jul 2023 and Feb 2024–Dec 2024
- Conducted KYC/CDD/EDD for high risk customers, including PEPS, MRBS, MSBS and high-volume accounts
- Investigated FIS Compliance Prime Alerts within the system, SAR referrals from the branches and internal departments, ACH/debit card disputes, Subpoenas, negative news findings, among others.
- Prepared detailed and accurate SAR narratives for submission to FinCEN
- Reviewed and approved SAR narratives for junior associates prior to submission
- Performed regular reviews of the SDN list issued by OFAC to identify and escalate potential matches
- Reviewed marketing materials for compliance with all deposit regulations and UDAAP
- Provided training to junior associates and branch personnel to ensure Compliance in bank procedures and regulations
- Assisted the BSA Officer with BSA exam remediation and annual audit reviews
Compliance Manager USA
Currencies Direct
Orlando, USA
07.2023 - 12.2023
- Conducted thorough reviews of client accounts, applications, FX trades, and documentation to ensure strict adherence to the compliance framework
- Analyzed transactional data and conducted enhanced due diligence on high-risk clients to identify and mitigate potential ML/TF risks
- Collaborated with internal stakeholders to develop and implement effective BSA/AML compliance policies, procedures, and controls tailored to the unique risks of the FX market
- Provided training and support to internal teams, including but not limited to transaction monitoring, CDD procedures, information sharing under Section 314(b), and SAR filing requirements
- Liaised with the MLRO to ensure the effectiveness of systems, processes and procedures to meet regulatory and operational needs, to include taking part in state regulatory exam within the first three months of employment
- Served as the point of escalation for all compliance-related issues across the US sector
Call Center Supervisor
Northrim Bank
Anchorage, USA
04.2019 - 05.2020
- Handled escalated customer calls from team members, applying analytical thinking and problem-solving skills to resolve complex issues
- Oversaw online account openings, reviewed applications for potential fraud, and monitored high-risk accounts for suspicious activity
- Led daily team huddles to communicate updates, motivate staff, and align goals with department objectives
- Assessed monthly departmental performance and provided constructive feedback to support team development and continuous improvement
- Assisted senior management with employee evaluations by providing performance feedback and coaching recommendations
- Participated in interviewing and selecting new team members, ensuring alignment with department goals and culture
- Coordinated staff schedules to maintain adequate coverage and ensure efficient day-to-day operations
- Conducted quality assurance reviews and call audits to identify coaching opportunities and maintain high service standards
Call Center Specialist
Northrim Bank
Anchorage, USA
11.2017 - 04.2019
- Delivered exceptional customer service by leveraging extensive knowledge of products and services and creating welcoming, positive experiences
- Opened new accounts through online and phone channels while consistently meeting referral quotas
- Handled a high volume inbound and outbound customer calls, providing timely and accurate assistance with account inquiries, troubleshooting, and transaction support
- Assisted customers with online and mobile banking access, password resets, and navigation of digital tools
- Supported system conversion for the Call Center department, ensuring seamless transition during high call volumes by resolving issues quickly and maintaining service quality
- Participated in training new hires by sharing best practices and offering peer support during onboarding
- Maintained detailed call logs and case notes in CRM systems to support follow-ups and ensure service continuity
Teller/Universal Banker
Northrim Bank
Anchorage, USA
07.2015 - 11.2017
- Assisted customers with opening new accounts and established rapport with new clients to increase satisfaction and loyalty
- Achieved cross-sell goals every month to gain and retain customer relationships
- Acquired in-depth knowledge of product information to answer customer inquiries and increase sales opportunities
- Assisted customers with loan applications, account maintenance, and resolving account discrepancies
- Handled customer service inquiries related to account balances, transaction history, fees, and product features
- Supported branch operations by preparing daily reports, reconciling transactions, and assisting with end-of-day balancing
- Collaborated with branch team to meet sales and service goals, contributing to overall branch performance
Education
Associate of Applied Science - Accounting
University of Alaska Anchorage
Anchorage, AK05.2020
Skills
- Regulatory & Tax Compliance
- Risk Assessment & Internal Controls
- Transaction & Account Review
- Fraud Detection & Investigations
- SAR/FinCEN Reporting Knowledge
- KYC/CDD/EDD Analysis
- Data Analysis & Documentation Accuracy
- Process Improvement & Quality Assurance
- Training & Cross-Functional Collaboration
- Software: Salesforce, Verafin, FIS, Fiserv, MS Office Suite
Languages
Tagalog
Native/ Bilingual
Affiliations
Ohana Food Bank Distribution
References
References available upon request.
Timeline
BSA Regulatory Analyst II
American Savings Bank
12.2024 - 08.2025
Compliance Manager USA
Currencies Direct
07.2023 - 12.2023
Senior BSA & Deposit Compliance Analyst
Northrim Bank
05.2020 - 12.2024
Call Center Supervisor
Northrim Bank
04.2019 - 05.2020
Call Center Specialist
Northrim Bank
11.2017 - 04.2019
Teller/Universal Banker
Northrim Bank
07.2015 - 11.2017
Associate of Applied Science - Accounting
University of Alaska Anchorage