Professional Investigative Analyst with international banking experience; an extensive background in retail banking, BSA/AML, KYC, CDD/EDD and regulatory compliance. Highly motivated, with experience in various investigative research analyst roles, specializing in BSA/AML monitoring, regulatory compliance, and look-back reviews - including mortgages. Excellent communication skills and experience utilizing appropriate databases per BSA/AML and other regulatory standards to maximize BSA/AML compliance. Flexible and adaptable, with the ability to work both independently and within a team environment.

Effectively conduct audit reviews on mortgage documentation for accuracy, completeness, and compliance

Successfully researched and analyzed complex defaulted loans in the process of loss mitigation, foreclosure, or bankruptcy; based on Department of Justice Settlement, and Attorney General Settlement criteria for compliance. Performed leadership role in assisting with training of new analysts. Conducted investigative analysis on transactions and made logical interpretations relative to high risk or suspicious activity for BSA/AML compliance. As a second look Peer Reviewer I contributed to upholding quality standards by ensuring accuracy completeness and compliance per Investor, State and Company guidelines.

Contributed to increasing the mortgage loan portfolio by performing analysis, loan origination/underwriting activities on residential loans. Performing due diligence reviews on customers to combat fraud per AML compliance, while managing risk of loan loss on performing and non-performing credit facilities. Performed verifications per Customer Identification Program (CIP) requirements and consulted OFAC Sanctions Watch Lists to identify potential matches for new loan applicants. Reviewed Know Your Customer (KYC) for completeness and accuracy while performing Customer Due Diligence (CDD) reviews to validate new/existing customers, and assessed associated risks. Performed due diligence on loan applications to identify patterns, trends, negative findings, AML issues, and red flags. Consistently met and /or exceeded personal and department targets in loan/debt recovery by utilizing negotiation skills and workout options to reduce delinquency ratios while managing loan risk