Tobi Aderibigbe
Indianapolis,IN
Summary
Highly-motivated AML, KYC & FRAUD Professional offering 7years of experience working diverse roles and meeting industry standard with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Dedicated Financial Crime Specialist, responsible for maintaining regulatory policies in accordance to financial standard requirements.
CERTIFICATIONS
CAMS - NOV 2024
CFE - In Lieu
Overview
7
7
years of professional experience
Work History
AML/Fraud (KYC) Analyst
Community First Bank of Indiana
Westfield, IN
03.2023 - Current
- Analyze customer transactions, account activity, and other relevant data to identify suspicious Money Laundering or Fraud patterns and behavior.
- Utilize various tools and resources to gather and assess information, including transaction monitoring systems, public records, and third-party databases.
- Prepare and maintain documentation of investigation findings, including suspicious activity reports (SARs) and other regulatory filings.
- Write and File a SAR to FINCEN
- Assist in the investigation of depository fraudulent transactions and related activities. such as reviewing ACH, ATM, Debit, Checks and Credit Card fraud activities.
- Reviewed customer documents and information to ensure compliance with KYC regulations.
- Verified customer identity using public records, financial databases, and other resources.
- Monitored accounts for changes in activity that could indicate fraud or suspicious behavior.
- Maintain working knowledge and understanding of BSA/AML, OFAC, and USA PATRIOT Act regulations and risk management principles.
KYC/AML Investigator -Transaction Monitoring
Old National Bank
Indianapolis, IN
07.2021 - 02.2023
- Reviewed and analyzed customer transactions for suspicious activity in accordance with AML regulations.
- Undertake customer due diligence checks to ensure adherence to the Firm’s Anti-Money Laundering policies, procedures, and regulatory framework
- Conducted investigations into potential money laundering activities and reported findings to the compliance department.
- Conduct PEP, sanction, and adverse media screening and escalate any areas of concern to Legal and Compliance.
- Review system generated alerts to assess presence of illicit activity that may require reporting based on Bank Secrecy Act (BSA)/AML requirements, conduct research as required, and document detailed results in written format
- Review system generated alerts, ad hoc alerts and departmental referrals, and address other applicable AML processes in accordance with regulations and time limitations
- Initiates and completes high quality KYC files inclusive of data input, research and analysis
- Document investigative results in written format; provide sufficient research to support investigative decisions
- Complete and validate quality Suspicious Activity Reports (SARs) in accordance with procedures through Financial Crimes Enforcement Network (FinCEN)
- Escalate issues as appropriate for advanced investigation and analysis
- Build and maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g., financial, legal, reputation, etc.)
Fraud Detection / Prevention Specialist
Byline Bank
Indianapolis, IN
02.2017 - 06.2020
- Act on daily fraud alerts produced by the bank’s fraud monitoring system as related to account and card fraud
- Conduct fraud case investigations, responding to reports of suspected/confirmed fraudulent activity as well as elder financial exploitation.
- Serve as primary point of contact for law enforcement and adult protective service agencies
- Communicate recommendations to deposit services management teams related to identified high-risk customer relationships
- Provide phone support to internal bank partners and external customers via fraud call center
- Prepare case narratives and Suspicious Activity Reports as necessary
- Review ATM, Debit and Credit Card transactions for potential fraud
- Verify transaction activity with client and take appropriate action
- Communicate dispute process and action taken to the client. § Document relevant information in Falcon, CardGuard
Education
High School Diploma -
Horizon Science Acad Cleveland
Cleveland, OH05-2016
Skills
- Microsoft Office
- Banking regulations
- Compliance Reporting and Document Review
- Strong verbal and written communication skills
- Sound analytical and problem-solving skills
- High degree of accuracy and attention to deta
- CASE MGT SYSTEM - Trips, Mantas, ECM, Verafin, MOC, Actimize, Falcon, CardGuard
- TOOLS - Google, True People, Lexis Nexis, File Net, One Note, Cita, Avaya, Risk Portal, Image View, Netquery, Oasis, Bank@home
- MICROSOFT - 360, Excel, Pivot, Word / Teams
- KYC, CDD, EDD, CTR / CAR - Continuing Activity
- SAR Writing (Narrative)
- BSA/AML and OFAC policies
- Secretary of state website / FINCEN
References
References available upon request.
Timeline
AML/Fraud (KYC) Analyst
Community First Bank of Indiana
03.2023 - Current
KYC/AML Investigator -Transaction Monitoring
Old National Bank
07.2021 - 02.2023
Fraud Detection / Prevention Specialist
Byline Bank
02.2017 - 06.2020
High School Diploma -
Horizon Science Acad Cleveland
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