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Samuel
Dallas, TX 75205
Compliance Analyst II
10 years experience W2
0
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Average rating
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Summary

Experience
Compliance Analyst
Banking/Financial
Sep 2018 - present

Compliance Analyst II Legal Conducted EDD/CDD reviews on high risk government officials, public officials and other high profile individuals.

  • Identified current and/or previous financial crimes by searching for sanctions or negative/adverse media on account owners.
  • Performed high risk transaction reviews to determine the legitimacy of the transactions as they pertain to the customer's KYC information and account intended purpose: prepared narrative either clear or file SAR within FinCEN SAR database.
  • Performed fraud reviews and investigations to assess the appropriate customer risk profile
  • Provided excellent communication and problem solving skills
  • Applied underwriting knowledge of guidelines to determine loan applicates source of funds and the true intent for mortgage this including proven knowledge of regulatory and underwriting guidelines for Conventional, VA, FHA and Commercial mortgages.
CDD Compliance Financial Crimes KYC Microsoft Excel SAR Reports
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Senior AML Analyst II
Banking/Financial
Aug 2017 - Jul 2018
  • Performed high risk closing reviews on individual and commercial clients across all lines of business i.e. credit card, bank, auto, mortgage and brokerage as it pertains to transactions and rendered decisions based upon Know Your Customer (KYC), Anti-Money Laundering (AML), and compliance standards by conducting research of customer records, verification of account purpose and legitimacy, and analysis of transaction activity.
  • Performed high risk transactional reviews to determine the legitimacy of transactions as they pertain to the customer's KYC information and account intended purpose/ when necessary file SAR within FinCen SAR database
  • Uncovered the structuring, layering, and/or integration of illegal proceeds used for terrorism, bribery, corruption as well as other illegal operations due to referrals via from Government sources and other financial entities i.e. subpoenas, NSLs and 314 a&b.
  • Conducted EDD/CDD reviews on high risk government officials, public officials and other high profile individuals (PEPs).
AML CDD Compliance KYC SAR Reports
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Senior FIU/AML Investigator II
Banking/Financial
Aug 2015 - Jul 2017
  • Rendered risk decisions based upon Know Your Customer (KYC), Anti-Money Laundering (AML), and compliance standards by conducting research of customer records, verification of account purpose and legitimacy, and analysis of transaction activity.
  • Performed high risk transactional reviews to determine the legitimacy of transactions as they pertain to the customer's KYC information and account intended purpose/ when necessary filed SAR within FinCen SAR database.
  • Uncovered the structuring, layering, and/or integration of illegal proceeds used for terrorism, bribery, corruption as well as other illegal operations due to referrals via from Government sources and other financial entities i.e. subpoenas, NSLs and 314 a&b.
  • Performed high risk closing reviews on individual (including PEP) and commercial clients across all lines of business i.e. credit card, bank, auto, mortgage and brokerage as it pertains to transactions and rendered decisions based upon Know Your Customer (KYC), Anti-Money Laundering (AML), and compliance standards by conducting research of customer records, verification of account purpose and legitimacy, and analysis of transaction activity.
  • Identified current and/or previous financial crimes by searching for sanctions or negative/adverse media on account holders.
No skills were added
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Reverse Mortgage Compliance Officer
Banking/Financial
Apr 2014 - Mar 2015
  • Performed CDD onboarding documentation aligned with Patriot Act, US Treasury AML guidelines.
  • Reviewed and ensured all required AML/KYC Regulatory guidelines for transaction monitoring meet FinCen guidelines for determing money laundering.
  • Conducted EDD/CDD reviews, sanctions and watch list checks utilizing databases ranging from Lexis Nexis, FACTIVA, World-Check and internet search tools.
  • Maintains a good workig knowledge of the requirements of the Home Mortgage Disclosure Act (HMDA) to assist in preparation and maintenance of the loan application register (LAR).
  • Performed due diligence by conducting new and/or periodic reviews of high-risk customer's initial loan onboarding information to determine bank is conducting loan closings within the regulatory guidelines of investors.
  • Identified unusual deviations within closing docs compared to TILA and recommending appropriate mediation and creates referral packages for investigation and review by the Investigations Unit and management. Mortgage Forensic Analyst
AML CDD Compliance KYC
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Banking/Financial
Aug 2013 - Feb 2014
Performed due diligence by conducting new and/or periodic reviews of high-risk customer's initial loan onboarding information to determine bank is conducting loan closings within the regulatory guidelines of investors.
  • Identified unusual deviations within closing docs compared to TILA and recommending appropriate mediation and creates referral packages for investigation and review by the Investigations Unit and management.
  • Maintained a working knowledge of Bank Secrecy Act (BSA), OFAC, USA Patriot Act and financial crimes OFAC Compliance and Investor regulatory guidelines as they relate to mortgage loan closing and servicing rules, regulations, laws, policies and guidelines. Senior Commercial Loan Underwriter Processing & Disbursement Center
No skills were added
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Banking/Financial
Feb 2013 - May 2013
  • Underwrote commercial and home loans on behalf of scope and complexity.
  • Applied accepted financial procedures to determine the borrower's ability to repay the loan.
  • Reviewed pertinent facts making eligibility determinations by analyzing intended use of proceeds, legislative and administrative limits, credit worthiness, etc.
  • Applied accepted financial procedures to determine the borrower's ability to repay the loan.
  • Compared size of loan request to applicant's available income and assets (DTI), and to determine comparative financial ratio analysis.
  • Led all floor underwriters in quality and production standards.
  • Authorization/Approval Limit: $1.5mm for both commercial and home loans.
  • Excelled in reviews of business and personal Income taxes, financial statements, Dunn & Brad Street Reports, company charters, business plans, licensing and registration, and franchise agreements, etc.
No skills were added
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Compliance Analyst
Oct 2012 - Jan 2013
Consent Order / Foreclosure Review SOLOMON EDWARDS (BOA)
  • Reviewed analyst testing results of pre and post foreclosure handling procedures ensuring reasonableness of the action taken and compliance with state and federal guidelines.
  • Drafted Reports/Recommendations to BOA Management as to updated test results and status', to include recommendations for improvements to the ongoing foreclosure process.
  • Reviewed analyst reconciliation of payoffs, reinstatements, affidavits and modifications, reporting all errors found to senior management. Internal Audit and Testing Analyst
Auditing Compliance Reconciliation Regulatory Reporting
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Aug 2011 - Oct 2012
  • Prepared, assembled, conducted critical review and submission for approval of Field Action Assessments, regulatory reporting Field Alert Reports, regulatory responses and follow up reports to ensure agreed and statuary target dates are met.
  • Prepared gap assessment tools used for dissemination of Rapid Alert information and prepared divisional summaries for Rapid Alert assessment by core management teams.
  • Developed compliance communications tools to be distributed to department i.e. underwriting, loss mitigations, foreclosure and servicing (collections).
  • Performed onboarding and compliance reviews on current and potential high risk loans and clients.
  • Reviewed and ensured all required Investor, MetLife and governmental regulatory requirements for clients are met.
No skills were added
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Edit Skills
Non-cloudteam Skill
Education
Finance / Management
Georgia State University
Skills
Compliance
2021
6
CDD
2021
5
KYC
2021
5
SAR Reports
2021
4
Financial Crimes
2021
3
Microsoft Excel
2021
3
AML
2018
2
Auditing
2013
1
Reconciliation
2013
1
Regulatory Reporting
2013
1