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Terrell
terrellmobley@hotmail.com
469-504-0573
Washington, DC 20001
Transaction Monitoring Manager
19 years experience W2
0
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Summary

Extensive background in performing AML investigations, regulatory compliance audits at the Federal and State level. Combined expertise in Financial Crimes Compliance, Fraud Investigations, Trade Finance, Global Markets and Project Leadership. Dynamic leader with exceptional organizational and communication skills and strong performance record. Regulatory Compliance-State & Federal

  • AML Investigations
  • OFAC Economic Sanctions Reviews
  • Consent Order Oversight
  • Patriot Act
  • Sections 314 (a) & 314 (b)
  • Correspondent Banking/US Dollar Clearing
  • Quality Control & Assurance
  • SAR Writing
  • BSA Federal Regulatory Policies
  • Transaction Monitoring/Surveillance utilizing KYC Vendor Solutions and Risk Control Services. E*TRADE FINANCIAL CORP., TX Credit Risk Manager/AML Specialist April 2008
  • Oct 2011
  • Managed a team of 8 analysts to ensure that daily productivity goals were sufficiently met.
  • Produced timely reports and feedback to Sr. Management regarding any significant deficiencies within the reporting data.
  • Reviewed and generated Repurchase Demands and Appeals letters.
  • Recovered greater than $350 million due to faulty loans that were sold to the Bank on the secondary market.
  • Perform quality assurance review in accordance with AML policies and departmental procedures within established timeframes.
  • Conducted in-depth review of loans as per investor guidelines-identified bad loans and misrepresentation of terms and policies and reported findings to appropriate departments. This resulted in the removal of bad credit from the record books.
  • Produced reports containing quality assurance results and associated metrics using established procedures.
  • Perform encompassing research taking into account various AML risk factors and indicators to determine if a Suspicious Activity Report (SAR) requires completion.
  • Analyzed and investigated AML cases to determine if AML risk is present in cases and decision AML cases
  • Prepared Suspicious Activity Reports (SAR) with Fin CEN for Senior Management OPUS CAPITAL MARKETS, LLC, WI Team Lead Mortgage Underwriter Feb 2005
  • Mar 2008
  • Performed QA underwriting according to FNMA/FHLMC guidelines to determine the borrower capacity during the loan process.
  • Evaluated and verified customer credit information in order to minimize risk to the bank.
  • Conducted in-depth review of customer information including but not limited to title examinations, credit history, employment, income verification and appraisal review.
  • Provided direct support to loan officer and senior managers on daily price changes in interest rates. Served as a liaison between loan officers, realtors, appraisers, title agents and surveyors.
  • Reviewed disclosures and closing documents including: loan product parameters, as expressed on Notes, Deed of Trust and riders, TIL disclosures and components, HUD-1 Settlement Statement including finance and non-finance related fees. MORTGAGE DYNAMICS, INC., MD Loan Auditor / Securitization Processor / Compliance Reviewer May 2003
  • Jan 2005
  • Responsible for reviewing loan files in order to gather HMDA information.
  • Reviewed loan files against Agency (FNMA/FHLMC) criteria to determine salability.
  • Reviewed documentation included: Note, Security Instrument, Appraisals, and Title Insurance.
  • Performed loan audits in order to verify if the loan origination and closing was in compliance with federal regulations. Verified Title Policy, 1003, 1008 and Appraisal. SMALL BUSINESS ADMINISTRATION, DC Sr. Due Diligence Project Assistant Jan 2000
  • April 2003
  • Performed Quality Control and provided assistance with loan sale clean-up process.
  • Reviewed residential/commercial BPO's and provided assistance with third party reporting and trailing documentation evaluations.
  • Analyzed and abstracted individual files both Credit and Collateral for proper assignment within due diligence projects.

TECHNICAL SKILLS

  • Operating Systems: Windows 7 and 8, UNIX, MS-DOS, NT Server
  • Software: Office 2003-2015, Word, Excel, Access, Outlook, SAS, LexisNexis, Detica, Accuity, Actimize, Prime, Mantas, CaseTracker, AS400, Word Check, Dow Jones, YellowHammer and SharePoint
  • Hardware: Network installation and configuration, Network printing, Routers and Hubs
  • Languages: SQL, C, C++, Visual Basic and A+ Certification

Experience
BAU Transaction Monitoring Manager
Banking/Financial
Jan 2018 - present
  • Directed a team of 10 AML investigators to ensure that enhanced due diligence is performed on every case with the mission of minimizing potential money laundering and terrorist financing related risk to the Bank.
  • Maintains an in-depth track of team performance standard setting and monitors metrics reporting.
  • Generated workflow reports pertaining to analysts activity, scheduling and resource planning.
  • Aligned management responsibilities for team analyst, including performance management, coaching ongoing training.
  • Assisted with the development and implementation of improvement plans with quality assurance personnel.
  • Providing operational expertise to internal working groups, teams and committees focused on enhancing current procedures and creating efficiencies. STANDRD CHARTERED BANK, NY
AML Project Management Regulatory Reporting Terroris Financing Quality Assessor
Remove Skill
Sr. AML Investigator
Feb 2017 - May 2017
  • Ensured all SARs were filed timely and within FinCEN 30-day timeframe guidelines.
  • Performed extensive AML investigations to ensure compliance with Federal regulations. Wrote detailed narratives and drafted Suspicious Activity Reports (SARs) and escalated high risk cases to FINCEN when warranted.
  • Reviewed alerts generated by Actimize transaction monitoring system and provided second tier approvals for investigative escalation of cases meriting further review.
  • Analyzed high risk wire transactional activity and provided final approval of investigative case analysis utilized for SAR preparation and filing.
  • Wrote and filed SARs daily while ensuring compliance with Federal regulations.
  • Performed AML transaction monitoring while utilizing internal and external resources to ensure effectiveness of BSA/AML/KYC and to mitigate risks associated with Anti-Money laundering and terrorist financing related activities.
Actimize AML BSA Compliance KYC Terroris Financing
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Investigator (SME)
Banking/Financial
Jan 2015 - Feb 2017
AML * Supported the Financial Crimes Compliance (FCC) unit with performing detailed transaction monitoring on high risk suspicious activity during the look back period of
AML Compliance Financial Crimes
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Sr. Compliance Analyst
May 2014 - Dec 2014
  • Performed RESPA/TILA reviews which included validating change of circumstances as it relates to comparing fees on the GFE vs Final Hud-1 to determine potential remediation for the borrower.
  • Implemented recommendations for process improvements to prevent reoccurring RESPA compliance errors.
  • Promoted to QC analyst after maintaining a 0% error rate with over 1000 conducted compliance reviews.
  • Analyzed the complete loan file and servicing notes to determine if the GFE was properly disclosed to the borrower within 3 business days of the valid change of circumstance.
Compliance Process Improvement
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Sr. Compliance Auditor
Oct 2013 - May 2014
  • Conducted regulatory audits covering BSA, OFAC, Truth in Lending, RESPA, HMDA and other consumer federal regulations.
  • Performed in-charging engagements (including planning, execution, report preparation and final wrap-up), conducting exit meetings, and assisting in preparation of reporting and related risk assessment completion.
  • Communicate with clients on the review process, conclusions and potential improvements to the process.
  • Review compliance operations and procedures to ascertain whether results are consistent with federal and state laws and regulations.
Auditing BSA Compliance OFAC Regulatory Reporting Risk Assessment
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Team Lead Mortgage Underwriter
Feb 2013 - Oct 2013
  • Provided oversight to a team of 12 underwriters to ensure that daily production goals were sufficiently met.
  • Performed complex financial reviews of self-employed, Corporations, S-Corps, Partnerships, Schedule C, 1120S and K-1's to determine final income at time of loan origination.
  • Prepared loan files to submit to end investor and Mortgage Insurance Company based on underwriting guidelines at the time of loan origination.
  • Performed due diligence re-underwrites and identification of missing documentation per FNMA AUS findings report.
  • Worked closely with the repurchase and MI team in obtaining and reviewing additional missing documentation and provided feedback on exceptions that were identified during the underwriting review to prevent loan repurchase.
No skills were added
Remove Skill
Sr. Business Analyst / AML Specialist
Banking/Financial
Nov 2011 - Jan 2013
  • Performed full life cycle business analysis functions to ensure that the project ran efficiently and effectively across all lines of business (LOB).
  • Implemented a linear approach to modeling certain project requirements, in order to enable optimal risk detection and prioritize the assignment.
  • Developed strategies with the Quality Assurance group which included extensive UAT and data analysis testing.
  • Assisted with the design and implementation of operational and system enhancements to ensure production capabilities are both effective and efficient.
  • Performed assessment on compliance risks arising from legal and regulatory requirements.
  • Monitored business units to identify compliance issues and recommend changes, and prepare reports for Sr. Management to review.
  • Coordinated BSA/AML/OFAC training efforts to include delivery and development of training.
  • Assisted with writing and editing BSA/AML/OFAC compliance manuals and other bank policy.
  • Reviewed and executed BSA/AML/OFAC audit and compliance test plans.
  • Experienced with utilizing KYC Vendor Solutions and Risk Control Services.
AML Auditing BSA Business analysis Compliance KYC OFAC Quality Assessor
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Credit Risk Manager/AML Specialist
Apr 2008 - Oct 2011
  • Managed a team of 8 analysts to ensure that daily productivity goals were sufficiently met.
  • Produced timely reports and feedback to Sr. Management regarding any significant deficiencies within the reporting data.
  • Reviewed and generated Repurchase Demands and Appeals letters.
  • Recovered greater than $350 million due to faulty loans that were sold to the Bank on the secondary market.
  • Perform quality assurance review in accordance with AML policies and departmental procedures within established timeframes.
  • Conducted in-depth review of loans as per investor guidelines-identified bad loans and misrepresentation of terms and policies and reported findings to appropriate departments. This resulted in the removal of bad credit from the record books.
  • Produced reports containing quality assurance results and associated metrics using established procedures.
  • Perform encompassing research taking into account various AML risk factors and indicators to determine if a Suspicious Activity Report (SAR) requires completion.
  • Analyzed and investigated AML cases to determine if AML risk is present in cases and decision AML cases
  • Prepared Suspicious Activity Reports (SAR) with Fin CEN for Senior Management
AML Project Management Regulatory Reporting Quality Assessor
Remove Skill
Team Lead Mortgage Underwriter
Feb 2005 - Mar 2008
  • Performed QA underwriting according to FNMA/FHLMC guidelines to determine the borrower capacity during the loan process.
  • Evaluated and verified customer credit information in order to minimize risk to the bank.
  • Conducted in-depth review of customer information including but not limited to title examinations, credit history, employment, income verification and appraisal review.
  • Provided direct support to loan officer and senior managers on daily price changes in interest rates. Served as a liaison between loan officers, realtors, appraisers, title agents and surveyors.
  • Reviewed disclosures and closing documents including: loan product parameters, as expressed on Notes, Deed of Trust and riders, TIL disclosures and components, HUD-1 Settlement Statement including finance and non-finance related fees.
Project Management Quality Assessor
Remove Skill
Loan Auditor / Securitization Processor / Compliance Reviewer
May 2003 - Jan 2005
  • Responsible for reviewing loan files in order to gather HMDA information.
  • Reviewed loan files against Agency (FNMA/FHLMC) criteria to determine salability.
  • Reviewed documentation included: Note, Security Instrument, Appraisals, and Title Insurance.
  • Performed loan audits in order to verify if the loan origination and closing was in compliance with federal regulations. Verified Title Policy, 1003, 1008 and Appraisal. SMALL BUSINESS ADMINISTRATION, DC Sr. Due Diligence
Auditing Compliance
Remove Skill
Edit Skills
Non-cloudteam Skill
Education
Certifications
A+ Certification
Skills
AML
2021
9
Quality Assessor
2021
9
Project Management
2021
8
Compliance
2017
6
Regulatory Reporting
2021
6
Auditing
2014
3
Financial Crimes
2017
2
Terroris Financing
2021
2
BSA
2017
1
Business analysis
2013
1
KYC
2017
1
OFAC
2014
1
Actimize
2017
1
Banking
0
1
Fraud Investigation
0
1
Mantas
0
1
Microsoft Excel
0
1
Process Improvement
2014
1
Risk Assessment
2014
1
SQL
0
1