Joel Osebor Email & Phone Number

• Maintained and revised policy procedures for general operation of compliance program.• Manage assigned tasks related to drafting case investigations, preparing Suspicious Transaction Reports (SAR).• Perform EDD activities at the direction of the AML officer.• Monitor and escalate alerts for continuous OFAC screening.• Maintained a list of designated persons and entities subject to sanctions related to multiple United States statutes and regulations• Researched, analyzed, and manipulated transactional data using system- generated spreadsheets to identify suspicious activity in accordance with the FINCEN regulation.• Conduct appropriate levels of due diligence on accounts based on the customer's risk score.• Identified business customers who may be eligible for CTR reporting exemptions and refers the customer to the AML/ KYC Director for evaluation• Research, analyze, and investigate alerts generated by transaction monitoring systems for money laundering, terrorist financing, and other financial crimes.• Monitor Bank's watchlist programs (Negative news, OFAC/314a/314b/PEP) and ensure compliance with the BSA/AML, USA Patriot ACT, and other financial Laws in the United States.

Maryland, United States

• Supervised KYC screening and enhanced due diligence concerns of customers and established plans to handle issues consistently and efficiently.• supervised Branch outreach process, making sure timely response is sent back to the back office during compliance analysis process of customers.• Collaborated with AML officials to analyze transaction data and identify patterns and trends potentially indicative of unethical activity.• Implemented database and document processing compliance with applicable regulations and company policies targeted towards the prevention of money laundering and unethical practices.• Conducted credit reviews on corporations to assess financial conditions.• Monitored and maintained compliance with internal controls and government regulations.• Collaborated with credit association and business representatives to exchange valid credit information.• Participated in new client onboarding and contract renewal processes, conducting due diligence on contract performance, and recommending adjustments to better meet client needs.• Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.• Monitored and maintained compliance with internal controls and government regulations.• Worked closely with bank KYC manager and compliance team to ensure team screen customer's appropriately • Maintained and assisted in developing processes and procedures for assigned areas of responsibility • Provided training on Bank Secrecy Act and Anti-Money Laundering procedures and systems for new employees.

Lagos, Nigeria

Developed the business and Strategic plan for over seven consecutive years that won over 500 clients for the organization• Mentored and trained 5 staff on business development & sales generation activities that brought in N100million in turnover (over $300,000)• Assessed 6,000 business plans for Youth with Innovation in Nigeria (YouWin), an Enterprise development Program by the Nigerian Federal Government that produced 1,200 individuals that got grants for their businesses in collaboration with EDC, Pan Atlantic University• Collaborated with the Lagos State Chamber of Commerce and Enterprise Development Center, Pan Atlantic University to provide training for over 3,000 workforces of different organizations on team building, strategy, entrepreneurship, marketing, business development and mentorship programs• Developed enterprise development curriculum for several organizations that has equipped over 1,000 entrepreneurs in starting and growing their businesses. • Prepared business plan, marketing plan and financial plan strategies to help clients meet business goals • Provided training to several financial organizations on onboarding new customers and performing Enhanced Due Diligence on customers deemed high risk • Provided training to several organizations on how to review federal court findings derogatory information along with Publications to discern proper dispositioning, and to ascertain negative media, client industry, country risk and impact affecting reputational risk to the organizations.