JOY R. MCCLURE
Charlotte
Summary
Insightful Anti Money Laundering Investigator known for high productivity and efficiency in completing investigative tasks. Possess specialized skills in financial analysis, regulatory compliance, and fraud detection which play crucial roles in identifying suspicious activities and mitigating risks. Excel at critical thinking, problem-solving, and communication, ensuring thorough investigations and clear reporting to uphold integrity and legal compliance.
Overview
16
16
years of professional experience
Work History
Anti Money Laundering Investigator
Bank of America - LEI Law Enforcement
Charlotte
05.2024 - Current
- Complete Suspicious Activity Reports (SAR) in a timely and accurate manner for submission to regulators and/or law enforcement.
- Report facts of the investigation to senior stakeholders, assisting in identifying potential operational or compliance risks and partners either Global Financial Crimes Management and/or Front Line Units to resolve investigations.
- Perform quality control functions, training, communications, guidance, monitoring scenario development/enhancement input and testing, or law enforcement liaison responsibilities in an investigative support role.
- Conduct routine to complex investigations, which includes transactional activity, involving ACH, card and check transactions, cross-border wires, transactions bill payments, and cryptocurrency money movement.
- Conduct routine to complex investigations, including fraud committed to external parties, money laundering, and terrorist financing, acting as the liaison to Law Enforcement as required.
Anti-Money Laundering (AML) Investigator
USAA
Charlotte
01.2021 - 04.2024
- Utilizes as Anti-Money Laundering case management tool and other internal software-driven systems to monitor, research, and analyze trends to member transactional activity.
- Investigate external referrals from Law Enforcement.
- Utilize financial products, systems, and lines of business to detect and analyze money laundering and terrorist finance activity.
- Understand and apply strong knowledge of BSA, AML, OFAC, and other AML regulatory policies.
- 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.
- Identify and recommend potential solutions that monitor, detect, or prevent money laundering or terrorist finance activity.
- Complete Suspicious Activity Reports (SAR) in a timely and accurate manner for submission to regulators and law enforcement.
Anti Money Laundering Investigator
US Bank
Charlotte
07.2015 - 07.2021
- 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.
Compliance Analyst
Bank of America
Charlotte
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
Charlotte
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
Charlotte
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.
Document Retrieval Specialist
CitiMortgage
Fort Mill
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
Fort Mill
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.
Education
Bachelors - Business Administration
Montreat College
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.
Volunteer Experience
- Susan G. Komen - 'Walk for the Cure', 10/2013, volunteer
- Alexander Youth Network, 06/2013, volunteer
- Boys and Girls Club, 02/2012, volunteer
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
Timeline
Anti Money Laundering Investigator
Bank of America - LEI Law Enforcement
05.2024 - Current
Anti-Money Laundering (AML) Investigator
USAA
01.2021 - 04.2024
Anti Money Laundering Investigator
US Bank
07.2015 - 07.2021
Compliance Analyst
Bank of America
08.2014 - 03.2015
Operations Analyst
Bank of America
03.2013 - 08.2014
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
Document Retrieval Specialist
CitiMortgage
10.2010 - 07.2011
Loss Mitigation Specialist II
CitiMortgage
08.2009 - 10.2010
Bachelors - Business Administration
Montreat College