Vanessa Mesa Email & Phone Number

United States

Doral, Florida, United States

Agent licensed to sell insurance throughNew York Life Insurance Company

Self Employed

Miami, Florida

Miami, Florida

Conduct Background Checks for NRAs prospects wanting to open a Personal, Business or Loan Account; domestic prospects wanting to establish a Loan and Pre-Employment Candidates Screening. FinCen 314(a) screening against all accounts maintained by the named subject during the preceding 12 months and transactions conducted within the last 6 months. Financial institutions have 2 weeks from the transmission date of the request to respond to 314(a) requests.

Brickell Avenue

The Panama Papers Project. Review accounts that could be linked to the International Consortium of Investigative Journalist ( ICIJ ) database, and Corporate Accounts that Registered Agent is the Mossack and Fonseca & Co Panamanian Law Firm.

Doral, Florida

In my new role, I am responsible for analyzing transaction patterns and fraud trends to develop effective and dynamic anti-fraud card strategies based on fraud types and customer segments. Will also be responsible for managing rule management life cycle including reporting.

Miami, Florida

Conduct Review for High Risk Clients. Review KYC Information, Articles of the Corporation, Beneficial Owners, Customer's Source of Wealth to determine that the account activity volume is in line with the account profile.

Doral, Florida

Conduct Review for High Risk Clients. Review KYC Information, Articles of the Corporation, Beneficial Owners, Customer's Source of Wealth to determine that the account activity volume is in line with the account profile.

Coral Gables

•Perform an independent assessment of the risk represented by the customer and/or the activity in which the customer has engaged.•Determine the best investigative approach for each unique case, ensuring that key questions are addressed and that Compliance AML department policies/regulatory expectations are satisfied.•Exercise critical thinking and critical decision making skills to efficiently and effectively determine whether or not further investigative and analytical activity is… Show more •Perform an independent assessment of the risk represented by the customer and/or the activity in which the customer has engaged.•Determine the best investigative approach for each unique case, ensuring that key questions are addressed and that Compliance AML department policies/regulatory expectations are satisfied.•Exercise critical thinking and critical decision making skills to efficiently and effectively determine whether or not further investigative and analytical activity is required. •Demonstrate the ability to identify and escalate customers/activity that represents a significant risk to the Bank in terms of regulatory compliance, violation of law, or reputation. Show less

Perform an independent assessment of the risk represented by the customer and/or the activity in which the customer has engaged.•Determine the best investigative approach for each unique case, ensuring that key questions are addressed and that Compliance AML department policies/regulatory expectations are satisfied.•Exercise critical thinking and critical decision making skills to efficiently and effectively determine whether or not further investigative and analytical activity is… Show more Perform an independent assessment of the risk represented by the customer and/or the activity in which the customer has engaged.•Determine the best investigative approach for each unique case, ensuring that key questions are addressed and that Compliance AML department policies/regulatory expectations are satisfied.•Exercise critical thinking and critical decision making skills to efficiently and effectively determine whether or not further investigative and analytical activity is required. •Demonstrate the ability to identify and escalate customers/activity that represents a significant risk to the Bank in terms of regulatory compliance, violation of law, or reputation. Show less

Monitring Montlhy Exceptions to identify Fraud and file SAR Report.

Review Banks High Risk Accounts and write an Investigative Summary. Inquiry about transactional activity that does not make business sense. For example, a flower import/export company doing business with a Diamond Jeweler in Israel. Write a SAR Narrative if customer appears to be involved in fraud, account activity appears unusual or Company is engaged in what appears to be money-laundering.

Know Your Customer Re-Profiler: Updating all KYC Profiles for an International International Bank in Aventura. Work together with the Account Officer to update client profile.

I am currently working on a project which involves Updating the accounts Risk Rating and Montlhy Expected Activity.The High Risk Accounts under review include NPO (Charities), Bearer Shares, PEP, Escrow, Trust, Single, Corporate, accounts.The process to Risk the accounts includes but does not limit reviewing the By-Laws of the Corporations, transactional trend analysis, and KYC forms.The logical conclusion is that the account activity matches the account purpose and the business… Show more I am currently working on a project which involves Updating the accounts Risk Rating and Montlhy Expected Activity.The High Risk Accounts under review include NPO (Charities), Bearer Shares, PEP, Escrow, Trust, Single, Corporate, accounts.The process to Risk the accounts includes but does not limit reviewing the By-Laws of the Corporations, transactional trend analysis, and KYC forms.The logical conclusion is that the account activity matches the account purpose and the business type, and the established expected activity declared by customer. If not, it is recommended to update the profile and request supporting documentation (i.e. invoices, contracts, and financial statements) from the customer to substantiate the account balances. Show less

Transaction Monitoring: Follow the flow of transactions, to identify suspicious activity subject to the regulations of the Bank Secrecy Act. Observe incoming and outgoing transactional activity, track originator and beneficiary jurisdiction, bank accounts and bank locations. Identify deviations from client's KYC profile and customary transactional activity, Determine whether transactions fit client's individual profile of "normal and expected transactions, Predict with relative… Show more Transaction Monitoring: Follow the flow of transactions, to identify suspicious activity subject to the regulations of the Bank Secrecy Act. Observe incoming and outgoing transactional activity, track originator and beneficiary jurisdiction, bank accounts and bank locations. Identify deviations from client's KYC profile and customary transactional activity, Determine whether transactions fit client's individual profile of "normal and expected transactions, Predict with relative certainty the legitimacy of clients transactions but also recognize customers behavior that might "warrant investigation. Run OFAC and World Compliance query to identify PEP or criminal background. Exceptions must be resolved. Show less

Know Your Customer Re-Profiler: Updating all KYC Profiles for an International Wealth Management Group of a solid International Bank in Downtown Miami. Work together with the Account Officer to update client profile. Understand who the customer is in order to write a customer background narrative; establish monthly expected account activity, nature of Business, and nature of transactions. Review CIP documentation on file to ascertain that the documents are in compliance with the BSA… Show more Know Your Customer Re-Profiler: Updating all KYC Profiles for an International Wealth Management Group of a solid International Bank in Downtown Miami. Work together with the Account Officer to update client profile. Understand who the customer is in order to write a customer background narrative; establish monthly expected account activity, nature of Business, and nature of transactions. Review CIP documentation on file to ascertain that the documents are in compliance with the BSA requirements. If necessary, contact or meet with clients, interview clients to obtain specific information to build KYC profile. If the information is deficient send KYC back to Relationship Manager for more information and or documentation. .Account review includes PEP, High, Medium and Low Risk accounts.Account Opening Compliance: Ascertain ID of account signors & beneficial owners, determine whether client is a PEP, family members associated to PEP, Source of initial deposit, Source of Funds, customer Source of Wealth, Purpose of account, Expected use of account, Nature of the customers business, Customers location, Types of products customer plans to use, Determine from information collected circumstances in which the bank should not open the account. Require additional information and/or documentation to form a reasonable belief that account should be opened.Documentation Authentication Compliance: Built customer profile from file documentation, Understand who the customer is, Understand what customer account activity should be, check ID authentication, Review Certificate of incorporation, Memorandum of articles of association, Resolution from Board of Directors and Power of Attorney. Write a narrative after reviewing all account activity and create KYC. Show less

Full-Account Annual Review: Profiles Monitoring, Annual Profile Assessment: Detect accounts during a calendar year with profiles set significantly higher than their actual activity: Classify customer to evaluate institution overall risk. Determine whether customers is classified as Pep, PIC, Registered Share, or Non-resident alien. If PEP, identify accountholder, beneficial owners, what exactly is the purpose of the account, fully explain nature, amount & purpose of transactions. Obtain… Show more Full-Account Annual Review: Profiles Monitoring, Annual Profile Assessment: Detect accounts during a calendar year with profiles set significantly higher than their actual activity: Classify customer to evaluate institution overall risk. Determine whether customers is classified as Pep, PIC, Registered Share, or Non-resident alien. If PEP, identify accountholder, beneficial owners, what exactly is the purpose of the account, fully explain nature, amount & purpose of transactions. Obtain information on immediate family members or close associates having transactions authority over account. Show less

Monitor account activity to detect fraud and unusual activity. Report suspicious activity to BSA Officer for a SAR

1 Year Course Work, Doctorate Business Administrator

Activities and Societies: Online Program I did 1 year of course work towards a Doctorate in Business Administration. However, I dropped.

Mba, International Business

Activities and Societies: Attended the International Program in London School of Economics. FIBA BSA/AML Compliance Officer and BSA.

Certificate In International Risk Management, Risk Management

Activities and Societies: Certificate Program Certificate program in Risk Management. I went to London for a week and attended various.

Bs, Business Administration; International Business; Business Administration

International Business Administration

Doctor'S Degree, Organizational Leadership