• Key partner in broad array of fraud topics and internal processes including collaboration with management and leadership teams in the overall administration and effective execution of enterprise-wide fraud program governance and annual Fraud Risk Assessment• Monitor, review, and evaluate new/changing federal and state regulatory fraud compliance requirements to design and implement policies, programs, procedures, processes, and controls. Perform technical reviews and control validation testing to ensure they have been effectively implemented. • Assist in the identification and implementation of continued company-wide annual fraud training and awareness campaigns to clarify and reinforce fraud requirements, communicate, and implement a culture of compliance, including personal accountability and reporting of suspected misconduct. • Maintain a well-informed and all-inclusive knowledge of current fraud schemes and behaviors, issues, criminal typologies, industry best practices, regulations, and developing trends. Serve as trusted advisor and SME for Fraud related research.• Documentation/Completion of fraud risks and controls, identification of design gaps and enhancement opportunities within the bank’s repositories by utilizing business overviews, process maps and procedures, etc., through established relationships and regular ongoing discussions with relevant stakeholders across the organization • Lead examinations, audits, or validation reviews performed by internal governance teams, such as Enterprise Risk Management and Internal Audit• Key Stakeholder for fraud related risks and expected controls prior to implementation of new products and services comprehensively across the firm• Identification/Reporting of issues through appropriate governance channels including support/advisory for remediation and validation of action plans

• Investigations of suspicious and/or criminal activity perpetuated against the Bank, its customers, or employees, including the identification of relationships, and processes that pose a fraud risk. • Performed complex research and analysis throughout the course of investigation and special department projects. Aided in asset recoveries and return of funds in addition to support and guidance in the Bank’s fraud risk management efforts, served as an advisor to Senior Management, with special regard to emerging fraud issues/trends• Assisted regulatory agencies, law enforcement and/or auditors, as well as reviewed and challenged related policies and procedures.• Suspicious Activity Reports (SARs) Filing in accordance with BSA/AML requirements

• Responsible for the comprehensive development and continuity of risk management frameworks including policies, programs, procedures, etc. for Risk Assessable Unit’s (RAUs) across the enterprise in addition to assigned specialized focus for all areas of risk, i.e., Credit, Model, Operations, Liquidity, Compliance, Strategic, and Reputation, relevant to: Deposit Operations, Electronic Funds Transfer (EFT) – Wires/ACH, Check Processing, Client Operations, Funds Management Operations, International Trade & Letters of Credit, International/Domestic Collections, Reconciliation, Revenue Recognition/Account Analysis, Investment Operations & Escrow, Money Movement, Deposit Treasury Technology, Enterprise Fraud Operations & Investigations, Facilities, Commercial and Consumer Cards, Treasury Management, Banking Centers, Corporate Security, and Client Support • Provided secondary oversight and challenge to various other RAUs to ensure that key risks and controls across all dimensions of risk were identified and recorded.• Develop and conduct educational training in support of the organization’s desired risk management culture • Assisted Senior and Executive level management with risk assessment and appetite and corresponding threshold and tolerance levels• Clear and effective communication with process stakeholders to disseminate information, emerging issues and trends, risk mitigation techniques, fraud schemes and behaviors, industry best practices, • Ensure accuracy of data attributes in accordance with risk taxonomies • Key partner to leadership in issue management and resolution

• Risk Management and oversight for Deposit Operations which consisted of various business units including: Deposit Operations/Money Movement, EFT – Wires/ACH, Check Processing, Reconciliation, Client Operations/Support, Funds Management Operations, International Trade & Letters of Credit, Domestic/International Collections, Revenue Recognition/Account Analysis, Fraud Risk Operations, and Deposit Treasury Technology & Delivery • Identify and assess risks/exposure to adverse reputation, safety, security, regulatory, and/or financial prosperity of Deposit Operations in consideration of the overall organization• Provide credible challenge and guidance to ensure compliance in all functions as the SME/liaison to the businesses and related role in the First Line of Defense (1LOD).• Accredited for establishing the unit’s risk framework and 1LOD risk program from the “ground up” including development of the format to document test procedures, define methodology, and obtain sampling used as a reference for similar programs across the firm.• Coordinate with lines of business (LOBs) extending to Corporate Security, Financial Crimes Compliance (FCC), Compliance Advisory, Enterprise Risk Management (ERM), Internal Audit, Information Security/Technology, Model Risk and Credit/Liquidity to identify areas of risk as well as mitigating controls in support of a comprehensive Risk and Control Matrix (RACM).• Assess likelihood of risk and potential impact, evaluate mitigating controls and their effectiveness/Quality of Risk Management (QRM), in support of Risk Control Self Assessments (RCSAs).• Developed the Bank’s Money Movement Program, Payment Products Risk Governance Policy, Payment Products Risk Governance Program, and Payment Products Risk Assessment

• Perform monitoring and reporting activities in support of the Bank's Bank Secrecy Act, USA Patriot Act, and Office of Foreign Assets and Control Programs.• Use available systems/reporting to risk - assess, identify, and document suspicious and unusual activity.• Work with BSA/AML and other staff resources on investigations, documentation, and as appropriate, in the completion and filing of SARs and other BSA/AML related reporting.• Report and escalate policy exceptions and other issues of concern to department management.• Interact with all levels of business management to understand customer activity.• Initiate new BSA profiles to document changing or increasing activity.

• Coordinate, update, and create associate work schedules along with managing of PTO requests.• Create tracking spreadsheets for auditing and staffing purposes.• Serves as liaison between upper level management and team when escalation is required.• Manage team in and perform all aspects of the following job related duties:- Daily analysis of client behavior monitoring systems, including but not limited to:Wire/ACH Transactions, Check Activity, Fraud Detection, Log In Location and Normal Business Practice Patterns.• Research and expedite action when necessary, on alerts including suspicious or abnormal behaviors detected through monitoring systems. Also at times, requiring placement of call or email notification to client for verification of activity.• Deposit Review conducted to ensure that deposits made through RDC and Lockbox are received from a legitimate source of funds.• Processed Check Fraud Reports, which includes analyzing check kiting, duplicate and out of sequence checks to determine unusual account activity.• Participate in Fraud Action Notification Group requiring case by case decisive action per departmental procedure.• Performed daily audits which consisted of temporary limit increases, inactive user reviews, limit reductions and user full emulation.• Assist in the department Operations Risk and Control identification process.• Participate in improving and updating department Risk and Control identification processes.• Provide subject matter expertise and assist Deposit Operations Risk Analysts in specific diagnosis to determine the nature of potential fraud incidents and determine appropriate analysis of situation.• Train incoming and existing Deposit Risk Analysts.• Recommend policies and strategies to mitigate emerging fraud risks and provide solutions to address vulnerabilities.• Assist and advise supervisor during planning or team development. • Work on various special projects and perform a multitude of other duties as needed.

• Performed daily audits which consisted of temporary limit increases, inactive user reviews, limit reductions and user full emulation.• Thoroughly reviewed departmental Fraud Map alerts searching for unusual client activity.• Promptly acted during fraud occurrences in an effort to alleviate potential client and company loss while still adhering to TCB’s security procedures.• Processed Check Fraud Reports, which includes analyzing check kiting, duplicate and out of sequence checks to determine unusual account activity.• Reviewed ACH Suspicious Activity Report to determine a multitude of activity including newly added receivers and potentially fraudulently submitted activity.• Daily monitoring of wire transfer queue to ensure that fraudulent wires are detected and handled accordingly.• Participated in improving and updating departmental risk procedures and processes.• Deposit Review conducted to ensure that deposits made through RDC and Lockbox are received from a legitimate source of funds.

• Performed customer research and provided the information necessary to ensure client satisfaction.• Provided Internal and External customer service.• Assisted Officers and Administrative Assistants with bank policy request.• Performed daily and monthly balancing to reconcile internal GL accounts.• Processed Check Fraud Reports, which includes analyzing check kiting, duplicate and out of sequence checks to determine unusual account activity.

• Daily processing of requests such as fee waivers, check orders, Visa/ATM, deposit copies, and bonuses. • Assisted in the opening and screening process of potential and new accounts with OFAC, Chex Systems, Lexis Nexis, Fraud Finder, and Red Flag reports. • Analyzed personal client information for unusual or fraudulent activity, promptly conducted researched and determined pertinent course of action if suspicious activity is determined.• Daily phone interactions with clients consisting of answering and completing questions and requests through company inbox, online Banking and Bill Pay maintenance, trouble shooting and password and system resets.• Conducted positive pay exceptions. • Daily processing of deposits and transfers.• Daily downloading of Bill Pay items. • Served as a back-up and trained as Treasury Management Support representative to assist with overflow call load.• Trained incoming and existing Client Support Representatives.

* Real Estate License obtained through the passing of all State and National Required testing.* Conducted self-gathering of information in an effort to create a strong client database.* Maintained a positive business relationship with individuals actively seeking to sell and/or purchase a residence.* Assisted in loan process and financial planning for clients.

* Performed daily balancing of teller cash drawers and company bank vault* Assisted customers with opening and closing personal accounts.* Conducted phone calls to customers for reconciliation of defaulted accounts.* Served as District Trainer for all new hire tellers as part of mentorship for management opportunity.

* Handling and daily balancing of my own personal as well as other Teller cash drawers.* Opening and closing of customers personal accounts. * Daily balancing of bank vault. * Made phone calls to customers for reconciliation of defaulted accounts.* Efficient in all areas relating to Savings Bonds, Cashiers Checks, Money Orders, and Travelers Checks.