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Sean Richard
richarddaniel404@gmail.com
404-552-5629
Atlanta, GA 30301
BSA/AML Investigator & Risk Analyst
11 years experience W2
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Summary

Banking and Compliance Professional known for strengths in:

•Risk Assessment and Management/Mitigation

•Transaction Monitoring, Quality Control and Assurance

•Regulatory Compliance for OCC in; BSA/AML, OFAC, FINCEN, SDN, SPRP, Dodd Frank, TILA, ECOA, FCRA, HMDA, 314(a) & (b), RESPA,

•Customer, Specialized, and Enhanced due diligence , Compliance, reviewing suspicious activity(SAR) investigations in AML, FIU, KYC, writing narratives, Fraud analysis, and remediation

•Eye for detail, Customer/Client focus, committed team player with flexible approach to work in a rapid environment, great communication skills, quick decision making, and to take initiative whenever required.

Experience
BSA/AML Investigator & Risk Analyst
Banking/Financial
Aug 2018 - Jan 2020
Atlanta, GA

Responsible investigating, researching, analyzing and evaluating varying degrees of complex cases of suspicious financial activity for possible anti-money laundering violations involving all bank lines of business (LOBs) including retail, commercial, Treasury Management, mortgage, securities, capital markets and international.

-Partners with lines of business Operations Risk Managers and Financial Intelligence Unit (FIU) investigators to investigate cases as assigned.

-Stays up to date on Bank Secrecy Act regulations (anti-money laundering) and Office of Foreign Assets Control (OFAC) regulations as well as the bank’s AML program policies and procedures.

-Develops ongoing contacts with local and national law enforcement to stay current on money laundering and terrorist finance trends and typologies.

-Initiates and develops projects to improve the position of the bank’s anti-money laundering program. Represents FIU management as needed.

-Assists with the ongoing training and supervision of Investigator I and II staff. Travels occasionally to maintain sound working relationship with bank regional operating units.

-Decides upon filing the case with the Financial Crimes Enforcement Network; prepares Suspicious Activity Reports as warranted.

-Assumes departmental projects and initiatives as assigned to define and solve problems that involve issues of BSA and OFAC regulatory compliance and assures the effectiveness of the Bank’s anti-money laundering program. May assist in the review of staff cases to assure procedural due diligence performing CDD, EDD,and SpDD is followed in order to comply with regulatory and departmental guidance.

-Risk management expert working with KYC, providing leadership and ensuring information gathering and risk assessment to implement strategies and operational controls

-Complete, process, and review risk reviews in a production environment within a timely manner-Review look back documentation, perform testing, support remediation, and conduct risk control assessments when needed.

-Perform internal and external reviews working with KYC, of client AML risk ratings within Highand Low risk clients and assist front office teammates

BSA Compliance AML CASE KYC OFAC Project Management Risk Assessment MS Visio
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Financial Crimes Investigator & Business Risk Analyst
Banking/Financial
Nov 2016 - Jun 2018
Fort Mill, SC

As a part of the FIU, executing investigations from alert to SAR report writing, based on Client On-boarding, Maintenance, Transaction Monitoring referrals, Government sources and Referrals from business partners and other control areas

•Monitoring and a review of the customers entire banking transactions of checking, savings, check writing, use of MSB’s and wires. Reviewing their investment and business portfolios and the relationships with the counter-parties.

•Reviewing wires from correspondent banking partners in high risk geographies, structuring and other typologies•Involving Cyber security risk and audit gap analysis and remediation using data pulled from SQL for technical proposals to bank management

•Reviewing check transactions and reviewing all MSB transactions that might also identify the same or related customers conducting multiple transactions in a short period of time.

•Filing SARs and recommend relationship retention or termination, and track account closures as required.

•Correspondent banking quality control, team production, risk controls, efficiency, and develop subject matter expertise•Work closely with the AML Partners (AML Advisory, RPM, CSIS, AML Legal Counsel, and Law Enforcement throughout the duration of an investigation.

•Perform in depth specialized due diligence: EDD and CDD

•Assigned Enterprise-wide responsibilities, including: Global coordination of high-risk investigations Escalation point for reputation risk matters Coordination with Legal and CSIS Conduct name searches (i.e., 314(a) and ad hoc), reviews results and submits reports to FinCEN Resolve matches identified during on-boarding and maintenance processes Execute investigations

•Client On-boarding and Maintenance and Transactional monitoring referrals Government sources (e.g., subpoenas, NSLs, 314(a)) Referrals from business partners and other control areas Prepare case files for review (e.g., media search results, copies of statements/check, results from internal system searches, World check, etc.)•Serve as point of contact on matters that impact an investigation or involve law enforcement contact

SQL AML Auditing CASE Quality Control Scala Analysis Cyber Security Database Maintenance RPM Transaction Monitoring SAR’s
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AML/KYC Project Manager & Quality Risk Control
Banking/Financial
Jul 2013 - Oct 2016
New Albany, OH

•Oversight and execution of the firm’s anti money laundering, economic sanctions, anti corruption and government political activities compliance programs and Global Financial Crimes.

•Develop and/of assist in the development of policies and procedures with bank managers, Senior Managers, or Partner on all phases of the engagement, including execution of the project deliverables, communications with the project team, staffing requirements, job planning, and scheduling

•Conducting a research overview of the bank’s KYC (Know Your Customer) alerts and CIP standards by reviewing transactions, and performing transactional monitoring, flow of funds, check writing, wire transfers, MSB’s, and suspicious activity involving terrorist foreign and domestic watch-lists as it pertains to OFAC and PEP criteria through software applications.

•Monitoring and a review of the customers entire banking transactions of checking, savings, check writing, use of MSB’s, wires both foreign and domestic, investment and business portfolios.

•frequent collaboration with LOB associates, senior associates, investigators, senior investigators, and managers when information and findings need to be escalated.

•Promote a risk-aware culture; ensure efficient and effective risk and compliance management practices by adhering to required standards and processes.

•Coordinates resources (staff, equipment, vendors and consultants) across one or more projects. •Manages budget for assigned program, monitors program progress and adjusts resources and priorities accordingly.

•Responsible for coaching 11 analyst and training team members.

•Identifying possible, PEP, SDN, HIFCA, HIFTA, through Customer, Specialized & Enhanced Due Diligence using OFAC & BSA to file possible SAR reports if warranted

•Maintain a working knowledge of the Bank Secrecy Act, Anti-Money Laundering efforts, USA PATRIOT Act and OFAC and awareness of other Federal Laws and compliance

•adherence to regulatory deadlines production expectations, and consistent and accurate application of policies and procedures in a time focused environment.

Project Management FOCUS KYC Compliance BSA OFAC SAR’s SDN Scala
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Business Analyst/Compliance Risk Project Manager
Banking/Financial
Feb 2010 - Jul 2013
Atlanta Bmc, GA

Business Analyst 3 & Compliance Risk Project Manager (Contract)

-Conducted risk assessment to identify and address items through day to day assignments to ensure the banks KYC and CIP standards have been met. Cyber security, risk and audit gap analyst and remediation using data pulled from SQL for technical proposals to bank management

•Skilled in preparing and reviewing closing documents and processing data

•Deep knowledge of banking regulations applicable to subsidiaries of state member banks and subsidiaries•Reviewing loan and card transactions

•AML, integrate and coordinate multiple functions identifying suspicious and potential criminal activity. Working knowledge of Bank Secrecy Act regulations (anti-money laundering) and Office of Foreign Assets Control (OFAC) regulations as well as the bank's AML program policies, SWIFT Reports and procedures. Maintain accuracy of KYC information

•Fraud Review, Re-verify and validate employment, income, assets and occupancy from personal and commercial business to ensure accuracy or possible misrepresentation at time of loan origination.

•Perform research using online tools and proprietary vendor sites such as AllRegs, LexisNexis, PACER, DataTree, and MERS.

•Provide feedback and training to external vendors to ensure work product meets company criteria and requirements.

•Compliance Analysis, Present detailed written findings reports and create business correspondence

Auditing Business Analysis Compliance Project Management SQL AML KYC Risk Assessment Analysis Cyber Security Cabling Transaction Monitoring Swift
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Edit Skills
Non-cloudteam Skill
Education
Bachelor's in Business/ Criminal Justice
University of Maryland at Catonsville
Skills
Compliance
2020
8
KYC
2020
8
Project Management
2020
8
AML
2020
6
Analysis
2018
4
Auditing
2018
4
BSA
2020
4
Cyber Security
2018
4
OFAC
2020
4
Risk Assessment
2020
4
SAR’s
2018
4
Scala
2018
4
SQL
2018
4
Transaction Monitoring
2018
4
Business Analysis
2013
3
Cabling
2013
3
CASE
2020
3
FOCUS
2016
3
SDN
2016
3
Swift
2013
3
Database Maintenance
2018
1
MS Visio
2020
1
Quality Control
2018
1
RPM
2018
1
Approach
0
1
Dodd-Frank
0
1
ECOA
0
1
FCRA
0
1
RESPA
0
1
TILA
0
1