Tia Byrd
Charlotte, ,NC
Summary
A Financial Crimes Professional of 8+ years known for working hard to determine risk levels. Experienced in the financial services industry, mitigating risk, detecting and preventing money laundering, investigations of financial crimes transactions, risk management and compliance. Also ensure that all procedures comply with regulations such as Regulation E, Visa Operating Rules, Bank Secrecy Act/Anti-Money Laundering/Patriot Act (BSA/AML), Telephone Consumer Protection Act (TCPA), Office of Foreign Assets Control (OFAC), Visa card Regulations and Identity Theft red flags.
Overview
9
9
years of professional experience
Work History
Global Financial Crimes Investigator - AML
Bank of America
Charlotte, NC
06.2024 - Current
- Communicate & Summarize investigative findings and updates clearly and accurately in a Suspicious Activity Report (SAR) in a timely manner for submission to regulators and/or law enforcement
- Utilize investigative databases, public records, open source intelligence and other sources to gather information
- Makes informed decisions by considering various factors
- Demonstrates understanding of regulatory compliance requirements and follows protocols for data handling and information.
- Acts as the Financial Crimes Liaison to Law Enforcement when required
- Analyze large amounts of data to find patterns of fraud and anomalies
Global Financial Crimes Investigator - Fraud
Bank Of America
Charlotte, NC
04.2022 - 06.2024
- Conduct routine to complex investigations, including elder abuse, fraud committed by external parties, money laundering, or terrorist financing
- Completing Suspicious Activity Reports (SAR) in a timely and accurate manner for submission to regulators and/or law enforcement.
- Acts as the Financial Crimes Liaison to Law Enforcement when required
- Report facts of the investigation to assist in identifying potential operational or compliance risks
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Summarized all key information regarding investigation into detailed report for delivery to client
- Back Up Reviewer & Approver (Senior GFCC Investigator)
- Job Shadower
- Special Projects — Review and Approver Consistency Project, Employee Survey Roundtable
Fraud & Claims Operations Analyst
Wells Fargo
Charlotte, NC
07.2020 - 04.2022
- Perform detailed analysis on debit, credit cards and checks to detect trends, anomalies or patterns in transactions or relationships across a variety of data sources to determine liability, risk, sanctions, and/or impact of each case or declined transaction
- Investigate unusual activity and refer for possible cases of Suspected Financial Abuse, New Account Fraud, and Account Takeover to the appropriate departments
- Refer AML concerns such as cash structuring and rapid movement to SAR group for investigation
- Support over 350+ Financial Crimes Specialists and 20+ managers while under the direct leadership of the Financial Crimes Manager
- Acts as an escalation point for lower level specialists to resolve issues and provide training
- Draft and present projects and presentations that clarify departmental and bank compliance and policies
- Construct and facilitate trainings and mentor sessions for new team members as well as refresher trainings for tenure team members
- Assess accounts and assist specialists with live decisions in regard to debit and credit card fraud concepts
Fraud & Claims Specialist IV
Wells Fargo
Charlotte, NC
04.2019 - 07.2020
- Research, review, and analyze fraudulent and non-fraud debit card signature based complex transactions
- Documents research findings and actions on cases for possible referrals for Suspicious Activity, Identity Theft Operations (ITO) and Suspected Financial Abuse
- Test techniques to identify financial crimes activities, policy violations and/or suspicious situations to mitigate and/or recover losses
- Blocks, closes, or replaces client accounts and access based on risk and fraudulent exposure
- Submit referrals to other lines of business (Line of Credit, Brokerage, IRT, Credit Card, Mortgage) for account replacement due to fraud
- Detect fraudulent checks and process claims/disputes ; process chargebacks in Visa
- Complete Financial Abuse Referral Forms, InfoPath Forms and Complaint Intake Forms
- Issue Provisional and Final Credits
Fraud & Claims Specialist II
Wells Fargo
Charlotte, NC
11.2017 - 04.2019
- Gather evidence, analyze information, documents findings, and interview customers to prepare documentation for the creation of online fraud claim investigations up to $250,000
- Reviews various aspects of login activity, verifies and/or identifies customer transactions to detect/prevent financial crimes activities, policy violations, and suspicious situations in order to mitigate and/or recover losses using systems such as Hogan, CIV, CLAIMS, Prevent, OAT, and CCM
- Provides best practices to prevent a compromised online session, unauthorized money movement activity, or malicious software intrusions
- Manages projects and contributes to project teams in the merging of the ATM debit card, Check, ACH and online fraud department to enhance our customers’ experience and maximize efficiencies within the Claims Assistance Center
- Upskilled to analyze and service Online Wires
Financial Auditor/Front End Office Assistant
Food Lion
Fuquay-Varina, NC
01.2017 - 11.2017
- Audit register tills and safe
- Complete SAR reports (suspicious activity reports) and CTE reports (currency trade reports)
- Complete Anti Money-Laundering Compliance Courses
- Maintain current knowledge of office procedures and policies relating to cash reports, register checkups, deposits, checks, Western Union,
- Money Orders and Coinstar
- Train, coach and supervise cashiers and customer service leads
- Reviewed financial materials and procedures to spot errors, inefficiencies or instances of misuse.
Loans Collections Representative
Regional Acceptance Corporation, BB&T
Whiteville, NC
02.2016 - 01.2017
- Confer with collections and accounts departments to single out defaulting accounts
- Established repayment plans for clients who may not be able to pay due to genuine reasons
- Locate incognito customers by using credit bureau information, loan documents and other database information
- Ensure that clients understand the repercussions of non-payment
Education
Bachelor Of Arts - Criminal Justice
Campbell University
Buies Creek, NC2018
High School Diploma -
North Myrtle Beach High School
Little River, SC2014
Skills
- Microsoft Excel
- Microsoft Word
- Microsoft PowerPoint
- MOC, Interact, Bass, EPIC
- VISA, E-Tran, Hogan, Tableau
- SharePoint, SQL
- LexisNexis
- Return Item Lookup
- Flash
- TRMS
Timeline
Global Financial Crimes Investigator - AML
Bank of America
06.2024 - Current
Global Financial Crimes Investigator - Fraud
Bank Of America
04.2022 - 06.2024
Fraud & Claims Operations Analyst
Wells Fargo
07.2020 - 04.2022
Fraud & Claims Specialist IV
Wells Fargo
04.2019 - 07.2020
Fraud & Claims Specialist II
Wells Fargo
11.2017 - 04.2019
Financial Auditor/Front End Office Assistant
Food Lion
01.2017 - 11.2017
Loans Collections Representative
Regional Acceptance Corporation, BB&T
02.2016 - 01.2017
Bachelor Of Arts - Criminal Justice
Campbell University
High School Diploma -
North Myrtle Beach High School