Tami Smith
Aurora
Summary
With over 10 years of experience in AML and financial fraud risk management, I specialize in conducting investigations, analyzing complex data, and ensuring compliance with regulatory standards like the Bank Secrecy Act (BSA), Customer Identification Program (CIP) requirements, to optimize processes and stay current on money laundering and terrorist financing regulations
Overview
19
19
years of professional experience
Work History
Senior AML Survellience Analyst
Charles Schwab
04.2019 - 10.2023
- Perform complex analysis of Transact on Monitoring Alerts, In-depth Case Surveillience for Suspicious Activity Reports (SARs)
- Analyze financial documents and statements to identify any suspicious patterns that have occurred or may occur in the future
- Investigate, measure, and report on the organization's risk of suspicious or fraudulent financial activity
- Understand the AML concepts in several of the areas like - AML investigation workflows, case management, Know Your Customer(KYC), Customer Identification Program (CIP), Customer Due Diligence (CDD), and correspondent banking
- Take part in and lead anti-money laundering compliance training on identifying suspicious activity to other team members
- Report and make notes and records of any suspicious transactions or activities in an efficient and timely manner
- Maintain and update knowledge of anti-money laundering compliance rules, regulations, laws, and best practices
AML Survellience Analyst
Randstad Technologies
01.2018 - 04.2019
- Company Overview: (Contractor at Charles Schwab)
- Analyze financial documents and statements to identify any suspicious patterns that have occurred or may occur in the future
- Investigate, measure, and report on the organization's risk of suspicious or fraudulent financial activity
- Understand the AML concepts in several of the areas like - AML investigation workflows, case management, Know Your Customer(KYC), Customer Identification Program (CIP), Customer Due Diligence (CDD), correspondent banking
- Create, maintain and produce effective reports showing the financial activity of individuals within the organization and the organization as a whole
- Report and make notes and records of any suspicious transactions or activities in an efficient and timely manner
- Maintain and update knowledge of anti-money laundering compliance rules, regulations, laws, and best practices
- Take part in and lead anti-money laundering compliance training on identifying suspicious activity to other team members
- (Contractor at Charles Schwab)
AML/Mitigation Quality Control Analyst
NTT Data
10.2011 - 10.2017
- Company Overview: (formerly Carlisle and Gallagher)
- Maintain ongoing risk investigation by performing enhanced due diligence în accordance with client-specific policies and procedures
- Mitigate inherent risk client's exposure to adverse risk, client customers adhere requirements to ensure positive engagement
- Identify and investigate Wholesale Commercial Banking relationships to mitigate Anti-Money Laundering (AML)/Bank Secrecy Act (BSA) risk for a top tier bank
- Maintain a current understanding of money laundering and terrorist financing issues, including policies, procedures and regulations
- Understand the AML concepts in several of the areas like - AML investigation workflows, case management, Know Your Customer(KYC), Customer Identification Program (CIP), Customer Due Diligence (CDD), correspondent banking, transaction monitoring and suspicious activity reporting
- Reconciliation of loans and corporate charges using Black Knight (MSP) system
- Analyzed and conducted full file audit on foreclosure process, loss mitigation, bankruptcy protection, and underwriting calculations to determine the presence of financial harm
- Reviewed foreclosed loans, evaluated whether they were processed in accordance with Home Affordable Modification Program (HAMP), Proprietary Modification or other applicable program guidelines and requirements
- Analyze borrower's income, liquid and collateral assets, and other financial documentations to determine borrower's eligibility to make a loan
- (formerly Carlisle and Gallagher)
Realtor
Keller Williams Realty
04.2013 - 10.2016
- Negotiate contracts and coordinate with lenders, loan officers, title companies and inspectors
- Successfully guide home buyers & sellers through sales and purchase of properties
- Promote property sales through advertisements, open houses and participation in multiple listing services
- Advertise properties to the general public via networking, brochures, ads and multiple listings
- Maintain high referral rates and exceptional feedback from previous clients
Senior Loan Officer
Prime Lending
05.2004 - 06.2011
- Originated FHA, VA and conventional loan products with a volume of $38 million
- Responsible for sales of mortgage loan products to realtors, builder and individual and worked with processors to expedite and assisting the processing and closing of each loan according to company and government policies
- Counsel, advise and qualify home buyers for particular programs
- Stayed informed of trends and developments in the real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages
- Designed and implemented marketing packages for clients, prospect and Realtors
Education
Business Certificate - Business
El Centro Job Training Center
Dallas, TXTexas Real Estate License - Real Estate
Champions Real Estate School
Dallas, TXSkills
- Microsoft office
- Analytical thinking
- MS Excel
- Time management
- Team collaboration and leadership
- Attention to detail
- Excel proficiency
- Process improvements
- Risk analysis
- Compliance analysis
- Regulatory compliance
- Risk mitigation
- Tableau software
- Incident reporting
Timeline
Senior AML Survellience Analyst
Charles Schwab
04.2019 - 10.2023
AML Survellience Analyst
Randstad Technologies
01.2018 - 04.2019
Realtor
Keller Williams Realty
04.2013 - 10.2016
AML/Mitigation Quality Control Analyst
NTT Data
10.2011 - 10.2017
Senior Loan Officer
Prime Lending
05.2004 - 06.2011
Business Certificate - Business
El Centro Job Training Center
Texas Real Estate License - Real Estate
Champions Real Estate School
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