Justin Macnaught Email & Phone Number

Atlanta, Ga, Us

Charlotte, North Carolina, Us

Review high-risk prospective clients for onboarding, ensuring adherence to bank policies. Analyze financial statements, legal documents, industry-specific risk data, bank records, transaction histories, and external sources to assess client relationships against the bank’s risk appetite, determining approvals, declinations, or ongoing suitability. Identify and dismantle complex money laundering schemes and criminal organizations operating within the bank. Conduct in-depth, sensitive investigations into money laundering, terrorist financing, grand jury inquiries, and Politically Exposed Persons (PEPs). Participated in various Financial Intelligence Unit (FIU) projects, including Suspicious Activity Reports (SARs) writing, evaluating virtual currencies, managing International Wealth Management and OFAC/Sanctions compliance. Accomplishments include:• Achieved an average of 2.7 completed reviews per day in 2023, surpassing the review quota, with a year-to-date average of 2.1 completed reviews.• Consistently upheld a minimal quality control error rate, ensuring high accuracy in review processes.• Improved operational efficiency by implementing changes in Enhanced Due Diligence (EDD) reviews for reinsurance clients, reducing review time by up to 50%.• Led enhancements in the EDD onboarding process for correspondent banking requests, decreasing weekly requests from two to zero and significantly increasing onboarding team efficiency.• Designed and tested the review process for complex familial International Wealth Management clients, streamlining ongoing and onboarding reviews.

Charlotte, North Carolina, Us

Charlotte, Nc, Us

Spearheaded multiple Anti Money Laundering (AML) projects concurrently to meet urgent multi-million-dollar BSA (Bank Secrecy Act) and USA Patriot Act deadlines. Executed 20 daily Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) audits within the Private Wealth Management (PWM) team to detect suspicious activities, prevent fraud, and ensure regulatory compliance. Used multiple financial systems to extract data using SQL or PowerShell scripts and conducted statistical analysis in Excel to identify and mitigate money-laundering activities. Collaborated effectively with auditors, departments, managers, and financial advisors to streamline project timelines and ensure timely completion.Accomplishments include:• Successfully completed regulatory correction projects on schedule, leading to reduction in regulatory actions and improving compliance standing• Piloted and refined the first Private Wealth Management (PWM) annual review process, resulting in a significant reduction in time spent contacting relationship managers and an increase in the number of daily reviews completed.

Chicago, Il, Us

Performed analysis of mortgage loan applications, ensuring adherence to regulatory requirements and company policies to facilitate accurate and timely loan processing. Maintained a pipeline of 10-15 new FHA, Conventional, VA and USDA mortgages. Ensured loan applications and documentation complied with federal and state regulations including Fannie Mae and Freddie Mac. Assisted underwriting by ordering third party documents such as verification of employments, titles, appraisals, mortgage payoffs, and housing questionnaires. Acted as liaison between loan originators and underwriters regarding loan status and updates. Accomplishments include:• Contacted the FHA administration regarding a particular issue of assigning FHA case number to small condo projects resulting in a national resolution to the FHA assignment system.

Chester, Pa, Us

Managed comprehensive sales initiatives through direct door to door engagement, driving substantial revenue growth and expanding market presence. Cultivated and maintained strong relationships with clients by delivering personalized sales pitches and addressing customer needs and objections effectively. Acquired in-depth knowledge of products and services to deliver compelling presentations.Accomplishments include:• Created leads responsible for generating $450,000 and ongoing customer relationships• Mentored new employees and gave constructive criticism ensuring teammates became stronger marketers• Promoted to a team lead of five other marketers

Waukesha, Wi, Us

Rock Island, Il, Us

Pleasant Prairie, Wi, Us