Zakary O'Brien
Denver
Summary
Looking for an opportunity to further develop my knowledge with a new career path and to enhance the skill sets I've gained. Will bring my passion for delivering exemplary client experience, attention to detail, data analysis, project management, regulatory knowledge and passion for results. Desire to work with a team that strives to deliver on operational and compliance excellence.
Overview
10
10
years of professional experience
Work History
Compliance AML Execution Analyst
Citi Bank
02.2022 - 07.2025
- Assist with AML Review/investigations of account activity
- Document and report the review/investigation findings and prepare case files with the required supporting documentation
- Disposition of cases according to agreed upon business Service Level Agreements (SLAs) deadlines
- Follow-up with additional point(s) of contact as needed to identify additional information to support a case narrative and have a clear understanding of data being analyzed
- Assist with Drafting and filing SARs consistent with the Financial Crimes Enforcement Network (FinCEN) requirements
- Communicate with senior management on compliance, legal and business AML issues
- Escalating, managing and reporting control issues with transparency
- Collaborated with cross-functional teams within FIU/CRIU and outside of those groups to identify opportunities for process improvement, potential procedural updates and increased efficiency
- Started Working on a specialized team in October 2024 as a Legal Liaison, which assists in processing government agency requests for documentation on filings and being a direct contact
- Also was put on a special project team to assist in improving systematic case creation by collecting sample data for batch tracking to improve internal systems
Relationship Banker
Truist
02.2021 - 12.2021
- Following CIP guidelines when establishing or maintenancing client relationships and keeping KYC information up to date
- Addressing client concerns utilizing resources available for policy, procedures and escalation process as needed
- Documenting conversations from in-person interactions or outbound/inbound calls
- Leveraging partners and finding solutions to assist clients with reaching financial goals
- Remaining AML compliant completing CTRs and UARs as needed
- Running a teller draw as needed for deposits, withdraws, payments, and other transactions
- Verifying daily work for team to ensure accuracy, completeness, and audit readiness
- Assists Branch Leader with weekly meetings to cover updated procedures, policies, and guidelines with teammates
Interim Home Preservation Specialist Junior
Wells Fargo
08.2020 - 01.2021
- Assist customer with going over home preservation options available
- Notating accounts for different preservation requests and ensuring required scripting was followed to remain compliant with different state laws
- Explaining different loan modification terms and requirements for starting the process, what to expect next, and expected timeframe for completion of request
- Escalating customer concerns as needed to ensure concerns were addressed in a timely Manner
Personal Banker
Wells Fargo
01.2017 - 08.2020
- Building lifelong relationships with customers by delivering an exceptional customer experience and providing options to accomplish financial goals
- Participating as a Business Advocate and going out in the community to meet with business owners to build business relationships
- Mentoring and educating other branch team members with recent changes, policy/procedures, customer experience, and product knowledge
- Working with partners in other business lines to assist with customer concerns and additional services to make their banking more intuitive
- Started licensing program and have completed SIE and Florida Life Insurance exams
Lead Teller
Wells Fargo
06.2015 - 01.2017
- Handling vault cash orders, shipments, and branch supply orders
- Ensuring teammates were audit prepared
- Reviewed all branches completed logs and compliance reports to ensure everything was accurately completed
- Review all CTR and UAR documentation to ensure that they were completed and reported with the regulatory timeframes
- Worked closely with our AML compliance officer to ensure that we were aware of trends and finding and kept teammates informed of learnings to ensure we minimized branch risk
- Writing teller schedules to ensure that there was enough coverage during peak hours
- Ability to use multiple applications in order to find needed information to assist customers or other team members
- Assisted customers with more complex teller transactions to ensure proper handling
- Attention to detail while processing transactions
Education
Bachelor - Web Admin and Design
University of South Florida
07.2018
Skills
- Microsoft office
- Analytical thinking
- MS Excel
- Time management
- Attention to detail
- Documentation and reporting
- Deadline adherence
- Verbal and written communication
- Complex Problem-solving
- Research and analysis
Awards
2024 High Flyer - Compliance excellence and no QA markings for 12 months, 2019 Golden Spoke Award as a banker - Prestigious award given to associates that are in the top percentile of customer service scores and other metrics., 2019 Quarter 1&2 Excellence Award - for service scores and metrics, 2018 Quarter 3&4 Excellence Award - for service scores and metrics, 2017 Customer Service Excellence Award
Timeline
Compliance AML Execution Analyst
Citi Bank
02.2022 - 07.2025
Relationship Banker
Truist
02.2021 - 12.2021
Interim Home Preservation Specialist Junior
Wells Fargo
08.2020 - 01.2021
Personal Banker
Wells Fargo
01.2017 - 08.2020
Lead Teller
Wells Fargo
06.2015 - 01.2017
Bachelor - Web Admin and Design
University of South Florida
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