VICTORIA MCKINSEY
Greeneville,TN
Summary
Detail-Oriented Bank Risk & Compliance Professional with more than 20 years of experience in BSA/AML, Risk Analysis, and Regulatory Compliance within financial institutions. Proven Ability to Independently Analyze Complex Data, Identify Suspicious Activity, And Ensure Adherence to Federal and State Regulations. Known for integrity, strong investigative skills, and a proactive approach to maintaining effective compliance programs and mitigating risk.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Risk Specialist
First Horizon Bank
Johnson City, TN
01.2024 - Current
- Perform Enhanced Due Diligence (Edd) through In-Depth reviews of customer transactions and monitoring activity related to AML and suspicious behavior
- Ensure compliance with internal controls, BSA/AML regulations, and applicable government requirements
- Manage money services business (MSB) reporting, including query reports and comprehensive spreadsheets for MSB, payday, and atm customers
- Review and verify new agent requests for Money Service providers
- Collaborate with bank personnel to resolve MSB-related compliance issues
- Stay current on regulatory updates and procedural changes through continuous professional development
Risk Compliance Specialist
First Horizon Bank
Knoxville, TN
03.2019 - 01.2024
- Researched, analyzed, and investigated alerts generated from transaction monitoring systems for potential money laundering, terrorist financing, BSA violations, and other financial crimes
- Assessed findings and provided recommendations on whether alerts should be escalated to formal cases
- Strengthened expertise in BSA/AML principles through ongoing internal training and hands-on investigations
Risk Analyst Officer
First Tennessee Bank
Memphis, TN
01.2017 - 02.2019
- Conducted enhanced due diligence and investigated suspicious activity related to AML Compliance
- Monitored adherence to internal policies, regulatory standards, and government requirements
- Supported continuous improvement of compliance procedures through education and regulatory awareness
AVP / BSA / AML Officer
Mountain Commerce Bank
Johnson City, TN
03.2013 - 09.2016
- Appointed by the board of directors to oversee and maintain the bank’s BSA/AML program
- Developed, implemented, and administered all aspects of the BSA/AML and OFAC compliance programs
- Served as primary point of contact for state and federal regulatory examinations and audits
- Reviewed, updated, and enforced BSA-related policies and procedures
- Prepared and presented monthly BSA compliance reports to the board of directors
- Identified and mitigated potential compliance risks affecting the bank
- Conducted investigations, performed EDD, and filed suspicious activity reports (SARs when required)
- Delivered annual BSA training to branch personnel
- Promoted from officer (2013) to AVP (2015)
Collections Assistant
Andrew Johnson Bank
Greeneville, TN
08.2012 - 02.2013
- Assisted management in contacting account holders with delinquent balances (30, 60, and 90+ days past due)
- Maintained detailed records for charged-off accounts, foreclosures, OREO properties, appraisals, and tax documentation
- Worked with customers to resolve delinquencies through approved methods including payment arrangements, wage garnishments, and asset recovery
Compliance Assistant I
Capital Bank
Greeneville, TN
05.2006 - 05.2012
- Supported the BSA Officer in meeting regulatory compliance requirements
- Assisted with fraud investigations and risk identification through data tracking and reporting
- Developed and maintained daily, weekly, and monthly compliance spreadsheets
- Monitored moderate- and high-risk accounts and supported OFAC compliance efforts
- Assisted with implementation of AML and Fraud software (Yellowhammer)
- Reported unusual or suspicious activity promptly and accurately
- Maintained strong communication with bank managers and representatives
Education
Bachelor of Science - Business Management
Tusculum College
05-2008
Associate of Applied Science - Marketing
Illinois Valley Community College
05-1998
Certification - Computer Accounting (CIM)
Eton Technical Institute
02-1992
Skills
- BSA/AML Compliance & Risk Management
- Regulatory Examinations & Audits
- Enhanced Due Diligence (EDD)
- SAR Investigation & Reporting
- Policy & Procedure Development
- Risk Reviews & Analysis
- Research & Documentation
- Training & Staff Support
- Microsoft Office (Advanced)
- Highly Organized & Detail-Oriented
Certification
Certified BSA/AML Professional, Independent Community Bankers of America (ICBA) – May 2014
Timeline
Risk Specialist
First Horizon Bank
01.2024 - Current
Risk Compliance Specialist
First Horizon Bank
03.2019 - 01.2024
Risk Analyst Officer
First Tennessee Bank
01.2017 - 02.2019
AVP / BSA / AML Officer
Mountain Commerce Bank
03.2013 - 09.2016
Collections Assistant
Andrew Johnson Bank
08.2012 - 02.2013
Compliance Assistant I
Capital Bank
05.2006 - 05.2012
Associate of Applied Science - Marketing
Illinois Valley Community College
Certification - Computer Accounting (CIM)
Eton Technical Institute
Bachelor of Science - Business Management
Tusculum College