JOY R. MCCLURE
Charlotte
Summary
An experienced and driven Anti-Money Laundering Investigator in all aspects of financial investigation to prevent fraud and money-laundering activities and losses.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Anti Money Laundering Investigator
Bank of America
05.2024 - Current
- Analyzed financial transactions to identify suspicious activity and ensure compliance with regulations.
- Conducted thorough investigations into potential money laundering cases, documenting findings and recommendations.
- Collaborated with law enforcement agencies to facilitate information sharing and enhance investigation outcomes.
- Developed and implemented risk assessment strategies to improve detection of illicit financial activities.
- Provided training and mentorship to junior investigators on investigative techniques and regulatory requirements.
- Reviewed customer due diligence processes to ensure adherence to Anti-Money Laundering (AML) policies and procedures.
- Prepared detailed reports for senior management outlining investigation results and compliance status.
- Utilized advanced analytical tools to monitor transactions for patterns indicative of money laundering schemes.
- Assisted with collecting and developing information from variety of sources.
- SAR filing on potentially suspicious activity.
Anti-Money Laundering (AML) Investigator
USAA
01.2021 - 04.2024
- Utilizes an Anti-Money Laundering (AML) case management tool and other internal software-driven systems to monitor, research and analyze trends related to member transactional activity.
- Investigate external referrals from Law Enforcement.
- Utilizes financial product, system, and process knowledge in all lines of business to detect and analyze money laundering and terrorist finance activity.
- Understands and applies strong knowledge of BSA, AML, OFAC, and other AML regulatory polices.
- Acts as a BSA, AML, and OFAC subject matter expert to identify process improvements, respond to inquiries from internal business partners and provide content for various training initiatives.
- Keeps abreast of new rules, regulations, and reputational risks to assist in the development, implementation and revision of current policies and procedures.
- Identifies and recommends potential solutions that monitor, detect, or prevent money laundering or terrorist finance activity.
- Completes Suspicious Activity Reports ('SAR') in a timely and accurate manner for submission to regulators and law enforcement.
- SAR filing on potentially suspicious activity.
Anti-Money Laundering (AML) Investigator
U.S. Bank
07.2015 - 01.2021
- Analyze customer account transactions to detect unusual activity and make decisions on appropriate action to take. Create a clear and concise comment that supports no case decision.
- Work cooperatively with business line to establish procedures for identifying suspicious customer transactions, specific to money laundering, including the proper method for reporting such activity to the anti-money-laundering group.
- Provide guidance, support, and recommendations to business lines regarding customer AML risk ratings and account activity.
- Work cooperatively with U.S. Bank internal departments to obtain and analyze necessary information related to the investigation.
- Actively ensures compliance with the U.S. Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies and procedures.
- Assist with departmental tracking and reporting and prepare investigation reports for management.
- Assist in implementation of AML/BSA detection and prevention methods, such as training and instruction manuals.
- Review Customer Due Diligence and Enhanced Due Diligence information for accuracy and investigate discrepancies.
Anti-Money Laundering (AML) Investigator
U.S. Bank
07.2015 - 01.2021
- Analyze customer account transactions to detect unusual activity and make decisions on appropriate action to take. Create a clear and concise comment that supports no case decision.
- Work cooperatively with business line to establish procedures for identifying suspicious customer transactions, specific to money laundering, including the proper method for reporting such activity to the anti-money-laundering group.
- Provide guidance, support, and recommendations to business lines regarding customer AML risk ratings and account activity.
- Work cooperatively with U.S. Bank internal departments to obtain and analyze necessary information related to the investigation.
- Actively ensures compliance with the U.S. Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies and procedures.
- Assist with departmental tracking and reporting and prepare investigation reports for management.
- Assist in implementation of AML/BSA detection and prevention methods, such as training and instruction manuals.
- Review Customer Due Diligence and Enhanced Due Diligence information for accuracy and investigate discrepancies.
Compliance Consultant II
Wells Fargo Securities
05.2015 - 07.2015
- Company Overview: (Contractor)
- Identify and research patterns, trends, and anomalies in transactional and customer data to detect, prevent, mitigate and report suspicious activity related to money laundering and terrorist financing.
- Participates in and provide compliance support for projects and initiatives with low to moderate risk to identify, assess and mitigate AML/BSA risk in business activities.
- Review Customer Due Diligence and Enhanced Due Diligence information for accuracy and investigate discrepancies.
- Work closely with lines of business, regarding customer AML risk ratings and account activity.
- (Contractor)
Compliance Consultant II
Wells Fargo Securities
05.2015 - 07.2015
- Company Overview: (Contractor)
- Identify and research patterns, trends, and anomalies in transactional and customer data to detect, prevent, mitigate and report suspicious activity related to money laundering and terrorist financing.
- Participates in and provide compliance support for projects and initiatives with low to moderate risk to identify, assess and mitigate AML/BSA risk in business activities.
- Review Customer Due Diligence and Enhanced Due Diligence information for accuracy and investigate discrepancies.
- Work closely with lines of business, regarding customer AML risk ratings and account activity.
- (Contractor)
Compliance Analyst
Bank of America
08.2014 - 03.2015
- Verify accuracy of results for documents reviewed by internal associates.
- Problem-solve and take ownership of process improvements.
- Work with internal partners along with vendors to achieve the goal of ensuring that we are not supporting any customers that pose a risk of illegal activity.
- Work with Global Anti-Money Laundering (AML) and Global Economic Sanctions (GES) by following all procedures when Global AML and GES deem it necessary to close an account due to suspicious activity.
- Responsible for mitigating risk by reviewing documents of customers from sanctioned countries to ensure that they and we are following the policies and procedures set by the Office of Foreign Assets Control (OFAC).
- Review Customer Due Diligence and Enhanced Due Diligence information for accuracy and investigate discrepancies.
Compliance Analyst
Bank of America
08.2014 - 03.2015
- Verify accuracy of results for documents reviewed by internal associates.
- Problem-solve and take ownership of process improvements.
- Work with internal partners along with vendors to achieve the goal of ensuring that we are not supporting any customers that pose a risk of illegal activity.
- Work with Global Anti-Money Laundering (AML) and Global Economic Sanctions (GES) by following all procedures when Global AML and GES deem it necessary to close an account due to suspicious activity.
- Responsible for mitigating risk by reviewing documents of customers from sanctioned countries to ensure that they and we are following the policies and procedures set by the Office of Foreign Assets Control (OFAC).
- Review Customer Due Diligence and Enhanced Due Diligence information for accuracy and investigate discrepancies.
Operations Analyst
Bank of America
03.2013 - 08.2014
- Research and respond to Executive Correspondence on behalf of the Executive Offices. Responsible for the day-to-day resolution of complex problems and the execution of complex transactions for Mortgage, Home Equity and Insurance Services.
- Ensure cases from CEO, State and federal regulators, Consumer Executives, Regulatory Agencies, Media Relations, Investor Relations, Law Offices, Special Interest Groups and Customer Advocacy Groups are handled promptly and accurately.
- Maintain compliance with bank and federal guidelines to mitigate risk.
- Compose complex written correspondence on behalf of Senior Leaders to Customers and Regulators.
- Maintained and achieved Top Producer for 2012 and 2013.
Operations Analyst
Bank of America
03.2013 - 08.2014
- Research and respond to Executive Correspondence on behalf of the Executive Offices. Responsible for the day-to-day resolution of complex problems and the execution of complex transactions for Mortgage, Home Equity and Insurance Services.
- Ensure cases from CEO, State and federal regulators, Consumer Executives, Regulatory Agencies, Media Relations, Investor Relations, Law Offices, Special Interest Groups and Customer Advocacy Groups are handled promptly and accurately.
- Maintain compliance with bank and federal guidelines to mitigate risk.
- Compose complex written correspondence on behalf of Senior Leaders to Customers and Regulators.
- Maintained and achieved Top Producer for 2012 and 2013.
Default Servicing Customer Relationship Manager II (CRM)
Bank of America
04.2012 - 03.2013
- Ability to focus on the stated problem and combine information and knowledge to achieve resolution.
- Ability to guide customers through the retention or liquidation process and navigate on their behalf.
- Quickly identify and overcome roadblocks and obstacles that prevent timely decision making for a customer loan.
- Work closely with process support staffs that are able to assist with non-customer facing activities, such as pre-validation document checking, escrow, and investor approvals.
- Manage a portfolio of customers throughout the default servicing life cycle.
- Knowledgeable about the organization, products and services to ensure compliance with federal laws and company guidelines that minimize loan losses and legal concerns.
Default Servicing Customer Relationship Manager II (CRM)
Bank of America
04.2012 - 03.2013
- Ability to focus on the stated problem and combine information and knowledge to achieve resolution.
- Ability to guide customers through the retention or liquidation process and navigate on their behalf.
- Quickly identify and overcome roadblocks and obstacles that prevent timely decision making for a customer loan.
- Work closely with process support staffs that are able to assist with non-customer facing activities, such as pre-validation document checking, escrow, and investor approvals.
- Manage a portfolio of customers throughout the default servicing life cycle.
- Knowledgeable about the organization, products and services to ensure compliance with federal laws and company guidelines that minimize loan losses and legal concerns.
Customer Relationship Manager II (CRM)
Bank of America
07.2011 - 04.2012
- Effective interaction with customers (display respect, appreciation, ownership, deliver difficult messages, and manage challenging situations).
- Adapt to changes in modification and liquidation guidelines.
- Research customer situations and communicate with associates/executives for understanding and problem resolution.
Customer Relationship Manager II (CRM)
Bank of America
07.2011 - 04.2012
- Effective interaction with customers (display respect, appreciation, ownership, deliver difficult messages, and manage challenging situations).
- Adapt to changes in modification and liquidation guidelines.
- Research customer situations and communicate with associates/executives for understanding and problem resolution.
Document Retrieval Specialist
CitiMortgage
10.2010 - 07.2011
- Effectively collected home retention documents from a large portfolio of customers; then compiled and processed those documents to reach a home retention or liquidation solution.
Document Retrieval Specialist
CitiMortgage
10.2010 - 07.2011
- Effectively collected home retention documents from a large portfolio of customers; then compiled and processed those documents to reach a home retention or liquidation solution.
Loss Mitigation Specialist II
CitiMortgage
08.2009 - 10.2010
- Interacted with customers to process loss mitigation solutions in accordance with investor guidelines.
- Reviewed, identified, and facilitated appropriate handling of loan level mitigation opportunities.
- Negotiated default resolutions with clients, in accordance with company's guidelines.
- Handles FHA, Fannie Mae, Freddie Mac, and VA loans.
Loss Mitigation Specialist II
CitiMortgage
08.2009 - 10.2010
- Interacted with customers to process loss mitigation solutions in accordance with investor guidelines.
- Reviewed, identified, and facilitated appropriate handling of loan level mitigation opportunities.
- Negotiated default resolutions with clients, in accordance with company's guidelines.
- Handles FHA, Fannie Mae, Freddie Mac, and VA loans.
Customer Service Representative
CitiMortgage
01.2008 - 09.2009
- Answered inbound calls from clients.
- Used computerized systems for tracking and information gathering.
- Worked in a goal-oriented environment to meet production indicators.
Customer Service Representative
CitiMortgage
01.2008 - 09.2009
- Answered inbound calls from clients.
- Used computerized systems for tracking and information gathering.
- Worked in a goal-oriented environment to meet production indicators.
2nd Mortgage Bill Collector
CitiMortgage
06.2006 - 01.2008
- Collected by telephone on delinquent home loan accounts as a mortgage loan servicer/collector.
2nd Mortgage Bill Collector
CitiMortgage
06.2006 - 01.2008
- Collected by telephone on delinquent home loan accounts as a mortgage loan servicer/collector.
Customer Service Representative
Alltel Communications
07.2003 - 06.2006
- Answered inbound calls from clients.
- Used computerized systems for tracking and information gathering.
- Worked in a goal-oriented environment to meet production indicators.
Customer Service Representative
Alltel Communications
07.2003 - 06.2006
- Answered inbound calls from clients.
- Used computerized systems for tracking and information gathering.
- Worked in a goal-oriented environment to meet production indicators.
Education
Bachelors - Business Administration
Montreat College
02.2012
Skills
- Business research and response experience
- Highly organized
- Results driven
- Time management
- Written communication
- Compliance
- CRM
- Problem solving
- Research
- Analytical skills
- Multi-tasking
- Technical skills
- Leadership
- Deadline management
- SAR Writing
Accomplishments
- Brian Moynihan Recognition Award: Received recognition for providing world class customer service and demonstrating good work ethics to make Bank of America a great company.
- Bank of America Global Recognition Platinum Award: Recognized as being top performer, demonstrating the Bank of America core values, and acting as a positive role model for peers.
- Bank of America Global Recognition Gold Award: Recognized for being top performer in the 'Customer Relationship Production Campaign' for the unit.
- Bank of America Global Recognition Bronze Award: Recognized for being top performer in the 'DSCR Race to 15 Campaign', by demonstrating the Bank of America core values, acting as a positive role model, and delivering resolution to customers.
- Unit Top Producer Award: Recognized for exceeding production and quality goals. Consistently demonstrated leadership in production and quality.
- Top Producer of the Month Award: Recognized for maintaining and achieving the top producer spot on the spot for 2012 and 2013.
Certification
CAMS
Timeline
Anti Money Laundering Investigator
Bank of America
05.2024 - Current
Anti-Money Laundering (AML) Investigator
USAA
01.2021 - 04.2024
Anti-Money Laundering (AML) Investigator
U.S. Bank
07.2015 - 01.2021
Anti-Money Laundering (AML) Investigator
U.S. Bank
07.2015 - 01.2021
Compliance Consultant II
Wells Fargo Securities
05.2015 - 07.2015
Compliance Consultant II
Wells Fargo Securities
05.2015 - 07.2015
Compliance Analyst
Bank of America
08.2014 - 03.2015
Compliance Analyst
Bank of America
08.2014 - 03.2015
Operations Analyst
Bank of America
03.2013 - 08.2014
Operations Analyst
Bank of America
03.2013 - 08.2014
Default Servicing Customer Relationship Manager II (CRM)
Bank of America
04.2012 - 03.2013
Default Servicing Customer Relationship Manager II (CRM)
Bank of America
04.2012 - 03.2013
Customer Relationship Manager II (CRM)
Bank of America
07.2011 - 04.2012
Customer Relationship Manager II (CRM)
Bank of America
07.2011 - 04.2012
Document Retrieval Specialist
CitiMortgage
10.2010 - 07.2011
Document Retrieval Specialist
CitiMortgage
10.2010 - 07.2011
Loss Mitigation Specialist II
CitiMortgage
08.2009 - 10.2010
Loss Mitigation Specialist II
CitiMortgage
08.2009 - 10.2010
Customer Service Representative
CitiMortgage
01.2008 - 09.2009
Customer Service Representative
CitiMortgage
01.2008 - 09.2009
2nd Mortgage Bill Collector
CitiMortgage
06.2006 - 01.2008
2nd Mortgage Bill Collector
CitiMortgage
06.2006 - 01.2008
Customer Service Representative
Alltel Communications
07.2003 - 06.2006
Customer Service Representative
Alltel Communications
07.2003 - 06.2006
Bachelors - Business Administration
Montreat College
Knowledge And Skills
- Business research and response experience
- Highly organized and results driven
- Skilled in time management
- Experienced in written communication
- Compliance and CRM experience
- Problem Solve abilities
- Excellent Research and Analytical skills
- Outstanding multi-tasking and technical skills
- Proven Leadership abilities
- Deadline management
- SAR Writing
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