Zakary O'Brien
Denver,CO
Summary
Senior AML and financial crimes professional focused on high-risk case reviews, SAR preparation, and ongoing monitoring for banking and fintech operations. Work includes analyzing source of funds, transaction patterns, and customer profiles to support compliance with BSA, OFAC, and USA PATRIOT Act requirements while improving case quality and turnaround.
Overview
1
1
Certification
11
11
years of professional experience
Work History
Senior Analyst, AML & Financial Crimes
RAYMOND JAMES
ST PETE
09.2025 - Current
- Monitored complex transactional activity and ownership structures to detect potential financial crimes, and escalate identified risks to management within case management systems to enhance decision-making.
- Conducted in-depth Enhanced Due Diligence (EDD) investigations on high-risk customers, analyzing negative media and the source of wealth/funds to identify and mitigate potential risks.
- Ensured compliance of all investigative findings and EDD activities with the USA PATRIOT Act, BSA, and OFAC guidance for fintech operations, reinforcing organizational adherence to regulatory standards.
- Mitigate regulatory and reputational risk by maintaining 100% accuracy in compliance documentation and mentoring colleagues on advanced investigative techniques.
Cmpl AML Execution Int Asc Ast
CITI BANK
TAMPA
02.2022 - 07.2025
- Mitigated financial risk by drafting and filing SARs consistent with FinCEN requirements, managing a high volume of case files within strict SLAs.
- Investigated suspicious account activity using Actimize and LexisNexis, conducting KYC/EDD reviews and ongoing transaction monitoring for high-risk accounts to ensure regulatory compliance.
- Escalated compliance and legal issues to senior management, promoting transparency in reporting control issues and adherence to banking regulations.
- Served on a specialized project team to optimize fintech operations, improving systematic case creation through SQL-driven sample data collection and batch tracking.
Relationship Banker
TRUIST
SARASOTA
02.2021 - 12.2021
- Maintained ongoing due diligence for client relationships by following strict CIP and KYC guidelines, ensuring all information remained up to date for risk assessment.
- Identified potential money laundering threats through completion of CTRs and UARs, ensuring compliance with AML standards.
- Verified daily work for branch team to enhance accuracy and audit readiness for regulatory examinations, mitigating financial risk.
- Communicated updated policies and banking regulations to team, supporting Branch Leader in minimizing operational and compliance risks.
Personal Banker
WELLS FARGO
BRADENTON
06.2015 - 01.2021
- Identified emerging financial crime trends by collaborating with the AML compliance officer, educating the team to effectively mitigate branch risk exposure.
- Monitored compliance logs and regulatory reports for a branch, ensuring accurate reporting of CTR and UAR documentation within mandated timeframes to uphold regulatory standards.
- Investigated complex teller transactions and loan modification requests to ensure compliance with state laws and internal banking regulations.
- Managed high-volume vault cash orders and supply shipments with attention to detail, ensuring 100% audit readiness for branch operations.
Education
Bachelor of Web Admin and Design in IT program -
UNIVERSITY OF SOUTH FLORIDA
SARASOTA07-2018
Skills
- Tools & Technology: Actimize, LexisNexis, Case Management Systems, SQL, Microsoft Suite, Data Visualization, Mantas
- Domain Expertise: Financial Crime, Banking Regulations, Fintech Operations, High Risk Customers, Cyber Security, Data Collection & Tracking
Certification
SIE - FINRA, Florida Life Insurance - State of Florida
Awards
2024 High Flyer - Compliance excellence and no QA markings for 12 months, 2019 Golden Spoke Award as a banker - Prestigious award given to associates that are in the top percentile of customer service scores and other metrics., 2019 Quarter 1&2 Excellence Award - for service scores and metrics, 2018 Quarter 3&4 Excellence Award - for service scores and metrics, 2017 Customer Service Excellence Award
Timeline
Senior Analyst, AML & Financial Crimes
RAYMOND JAMES
09.2025 - Current
Cmpl AML Execution Int Asc Ast
CITI BANK
02.2022 - 07.2025
Relationship Banker
TRUIST
02.2021 - 12.2021
Personal Banker
WELLS FARGO
06.2015 - 01.2021
Bachelor of Web Admin and Design in IT program -
UNIVERSITY OF SOUTH FLORIDA