Brandon Sinclair Email & Phone Number

Orinda, CA, US

• Assisted the risk and control self-assessment (RCSA) testing and validation team with quality assurance and control testing activities aligned to transaction banking products and services to satisfy matters requiring.
• Partnered with business lines to test risk controls by facilitating presentations and collaborating with control owners to fully understand the controls and procedures.
• Composed testing scripts and administered test sampling and testing methodology based on internal policy requirements in order to validate controls or to identify gaps and new areas of risk.
• Created and finalized control testing reports and presented testing results to business line leaders and senior management outlining risk findings and gaps discovered during the testing process.
• Communicated recommendations for changes in current procedures to resolve identified risks during the testing process.
• Partnered with the business unit risk management (BURM) by documenting and recording testing results within the BURM record keeping data base.

• Provided project management and strategic direction surrounding business line controls for the first line of defense (FLOD) specializing in the development and implementation of the bank’s global KYC program to reduce.
• Analyzed, negotiated, clarified, and communicated policy changes and new regulatory requirements by becoming a subject matter expert and a liaison between lines of businesses (LOB’s) and policy owners.
• Audited LOB’s current procedures and identified red flags, risks, and deficiencies.
• Prepared and communicated recommendations and solutions for areas of improvement in order to satisfy gaps and risks and to comply with new and existing policies and regulations.
• Collaborated with heads of LOB’s in creating new procedures in order to align and comply with new policies and KYC systematic changes.
• Drafted, and submitted formal exception and derogation requests which provided quantifiable risk mitigation data and outlined current procedures and processes when policy requirements could not be met.

• Performed investigative transaction due diligence reviews of AML alerts generated via the BAM automated transaction monitoring system for both high risk customers and for unusual account activity.
• Accessed internal documentation such as KYC and CIP information comparing it to information gathered through external resources to obtain a thorough understanding of the client's transactional profile including the.
• Summarized and uploaded findings and supporting documents into the company database and made recommendations to escalate alerts for a management risk review and for a possible SAR filing when account activity was.

Chicago, Illinois, US

• Analyzed and assessed high risk customer accounts to confirm required documentation, licensing, and KYC/CDD information was obtained.
• Conducted quality assurance examinations by comparing the accuracy of the client provided information to information obtained through internal and external databases (e.g. Lexis Nexis, Pacer, Bridger Insight, open.
• Communicated with frontline banking sales representatives regarding incomplete, missing, or questionable information related to high-risk customer account reviews.
• Drafted assessment summaries in the Actimize database to explain findings and decisions including risk rating changes or SAR filing recommendations.
• Provided team leadership onsite: participated in the training of new staff members; educated branch representatives of ever changing compliance policies, procedures, and requirements; conducted QA reviews on completed.

San Francisco, CA, US

• Assessed new customer risk and produced financial intelligence through research and analysis by comparing the accuracy of the client provided information to client information obtained through research on external.
• Provided investigative/intelligence research on all high risk related parties (non-US individuals, hedge funds, private equity, venture capital, shell companies, politically exposed persons, international sanctions.
• Drafted and entered summary findings with supporting documentation of the investigation into the company database explaining decisions, recommendations for SAR filings, or risk rating changes.

Westlake, Texas, US

• Analyzed and resolved bank and brokerage account transaction alerts in the Mantas database by researching past and present account activities and the client profile.
• Scrutinized account activity for red flags related to inconsistent transactions possibly related to fraudulent account activity and money laundering such as layering, structuring, and integration.
• Accessed internal and external systems and contacted and interviewed clients and employees to obtain additional information regarding questionable account activity.
• Registered summaries with supporting documents detailing research findings and questionable account activity in the company record database.
• Presented findings and supporting information to management for consideration of SAR filings or risk rating changes.
• Successfully acted as a team lead by teaching and training analysts on systems, money movements, and red flags related to money laundering activity.

Walnut Creek, CA, US

• Conducted comprehensive fraud and investigative work on insured home loans to ensure adherence to master policies and compliance regulations.
• Identified and evaluated misrepresentations and coordinated appropriate action based on findings obtained during the investigation process.
• Located red flags related to fraud and researched these findings to determine if these could be used to rescind an existing mortgage insurance policy.
• Contacted and interviewed parties connected to a loan to discuss fraud findings and information inconsistencies.
• Generated written correspondence to clients detailing and explaining findings while complying with legal standards and lending practices.Key Achievements:
• Rescinded 128 insurance policies resulting in $10.4 million in risk mitigation and had an overall fraud rate of 60.22% on files reviewed in 2009.

Walnut Creek, CA, US

• Analyzed and processed loan workout submissions; loan modifications, pre-foreclosure sales, deeds-in-lieu of foreclosure, repayment plans, and pre-claim advances to ensure clients were adhering to PMI policies.
• Negotiated additional borrower participation through promissory notes and cash remittances as well as negotiated lower closing costs, lower commissions, and higher purchase prices in order to minimize losses associated.
• Managed sensitive territories such as Louisiana, Mississippi, and Florida during hurricane related disasters.
• Reviewed and approved REO offers, maintained the Loss Mitigation database, and reviewed and provided bidding information and instructions on foreclosure properties. Key Achievements:
• Was the top producer in the Loss Mitigation Department and routinely reviewed the highest number of workout requests, negotiated the most additional participation, and obtained the highest ratio of promissory notes to.
• Negotiated in excess of $3.5 million in additional borrower participation and was awarded a team award for my accomplishment.