Raphael Obermuller Email & Phone Number

Boca Raton, Florida, United States

• Investigations and Issue Resolution:o Investigate compliance-related complaints and issues.o Collaborate with internal departments to resolve compliance issues and implement corrective actions.o Respond to external compliance-related complaints within allotted timeframes • Policy Development and Implementation:o Assist in the development, implementation, and maintenance of compliance policies and procedures.o Conduct regular reviews and updates of compliance policies to ensure they reflect current regulations and best practices.• Training and Education:o Develop and deliver compliance training programs for employees.o Provide ongoing support and education to staff on compliance-related matters.• Compliance Audits and Reviews:o Conduct internal audits and reviews to ensure compliance with policies, procedures, and regulatory requirements.o Prepare reports on audit findings and recommend corrective actions.• Reporting and Documentation:o Maintain comprehensive documentation of compliance activities.o Prepare and submit compliance reports to regulatory bodies as required.o Assist in the preparation of reports for senior management and the board of directors.• Collaboration and Communication:o Work closely with legal, risk management, and operational teams to ensure a cohesive approach to compliance.o Serve as a point of contact for regulatory agencies and external auditors.

United States

•Performed complex investigations involving red flags indicative of potential fraud, money launderingand other suspicious activity.•Performed QA reviews of alert/case processes for BSA Surveillance and BSA Due Diligence to evaluate the work product for quality, accuracy, and sound decision making.• Drafted narratives explaining the basis for the Firm's decision on whether the filing of a SuspiciousActivity Report (SAR) was warranted.•Provide feedback and communicate effectively with peers on the results of QA reviews.•Report and escalate all concerns or findings on the results of QA testing clearly and objectively to BSA supervisors/managers.• Initiated and responded to 314a/314b inquiries from law enforcement and financial institutions• Assisted in providing internal training on the Firm's AML programs, policies, and procedures.• Collaborated with team to implement initiatives and projects sponsored and approved by management• Partner with local, state, and federal law enforcement to respond to questions and inquiries ofsuspicious activity in client accounts• Served as a liaison with relevant law enforcement, regulatory authorities, and peer institutions inrelation to AML and Fraud matters

Miami, Florida, United States

Analyze Agents/Customers' transactions to detect suspicious activity and decides on appropriate action.Work cooperatively with internal departments to obtain and analyze necessary information related toinvestigations.• Work cooperatively with local, state, or federal authorities to investigate suspicious account activity.Analyzes investigation results to determine need for SAR filing with the Federal Government.• Provide guidance, support, and recommendations to other Compliance functions regarding customerAML risk ratings and account activity.• Actively ensures compliance with the BSA/AML information security and suspicious activity reportingrequirements, policies and procedures.• Assists manager with ensuring quality control standards and technical aspects of SAR filings arecompliant with regulatory guidelines.• Prepares investigative reports for management. Assists with departmental tracking and reporting.Ensures the monitoring system software captures all investigations accurately.• Assists in the implementation of BSA/AML detection and prevention methods, such as training andinstruction manuals. Provides needed support for special projects or critical casework as requested.• Exercises sound judgment and observes the highest degree of confidentiality in the handling of information received in the course responsibilities.• Analyzed data by creating pivot tables and used v Lookup function to better assess data

Miami Lakes, Florida, United States

Act in the capacity of BSA Compliance Officer, responsible for managing the Credit Union’s BSAcompliance program and compliance with BSA rules and regulations.Maintain expert knowledge and skill of the Credit Union’s BSA/Anti-Money Laundering software.Activelyutilizes the system to analyze member and non-member data to identify suspicious activity or red flags;identifies/monitors and investigates high risk accounts and fraud identified by the system or referred byother departments/branches, and determines if a SAR is warranted.Investigate suspicious activity, collects information from various sources to determine if further actionis required, documents investigation in FCRM and maintains all supporting documentation for allinvestigations in FCRM.Identify, reviews and completes required CTR and SAR reports within designated timeline, and ensuresreports are accurately filed according to regulation.Perform various quality control reviews and monitoring in the area of Bank Secrecy Act, USA PatriotAct,Anti-Money Laundering, OFAC and Customer Identification Program compliance.Monitor changes in laws, regulations and trends; advises the COO of emerging compliance issues andprovides recommendations to mitigate risks.Assist in the ongoing completion of the Credit Union’s ongoing BSA risk self-assessment.Analyzes complex situations and provide guidance, and escalate issues to appropriate levels ofmanagement.Develop, maintain, and demonstrate knowledge of applicable BSA laws and regulations to help ensureCredit Union policies and procedures remain compliant.Ensure the Credit Union's compliance efforts are adhered to by conducting random audits, reportinganddocumenting findings.Maintain current knowledge of all BSA rules and regulations, ensure all staff and volunteers are properlytrained each year to comply with relevant policies and procedures; which include CIP, USA Patriot Act,Anti-Money Laundering, OFAC and Red Flag incident reports.

Pembroke Pines, Florida, United States

Conduct AML investigations and prepare Suspicious Activity Report (SAR) for Managements reviewandfiling.• Assisted with User Testing for launch of Jack Henry Core System• Complete EDD reviews on the high risk accounts and prepare comprehensive investigation summaryfor management review• Review the daily cash monitoring report to determine that all Currency Transaction Reports (CTR)havebeen prepared and forwarded to the Compliance Department by Branches.• Stay abreast of and analyze developing industry and compliance trends, scams or schemes, andchanges to law and regulations pertaining to the BSA, AML, OFAC and the USA Patriot Act as well asconsumer compliance laws• Perform OFAC and Bridger searches to obtain due diligence on existing member compliancemonitoringreports for suspicious and unusual patterns of activity.• Review legal accounts including but not limited to Trust, DPOA’s, Guardianships, Rep Payee’s and allother court orders.• Prepare Monthly Board Report for CTR and SAR filed.

Newark, Delaware, United States

Jan 2016 - Oct 2018 (2 years 10 months)Extensive knowledge of Fraud systems (TSYS, BLAST, SQL and BLADES, BOSS/FAST, COIN andBOL)• Research, analyze, and monitor accounts to assess accurate levels of risk and fraudulent activity• Manage alerts and cases to determine if Suspicious Activity Reports (SAR) are to be filed whileremaining in accordance with regulations and procedures• Successfully complete all job related training and exceptionally manage time with respect to deadlines• Effectively engage customers while navigating multiple data systems simultaneously• Actively mitigate risk for the company providing excellent communication and service protecting thecustomers' assets• Obtain and update Know Your Customer (KYC) information as required• Assist in new-hire training as a Training Assistant through peer coaching and side-by-side instruction• Build and maintain awareness of the broader context and implications of the various types of riskaffecting the business (e.g., operation, legal, reputation, etc.)