Summary
Overview
Work History
Timeline
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Melanie Henry

Charlotte

Summary

Over 15 years in the financial industry including, Financial Crimes, AML Prevention and Internal Audit.

Overview

12
12
years of professional experience

Work History

Financial Crimes Investigator

Wells Fargo (Contract)
08.2024 - Current
  • Performed periodic reviews and reports on merchants to comply with rules, regulations and KYC requirements.
  • ·Reviewed new prospect KYC documents to meet requirements and determine business model risk.
  • Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.
  • Collect, analyze and interpret information, documentation, and physical evidence associated with investigations.
  • Uncover critical evidence by meticulously analyzing financial records and other documents related to investigations.
  • Review high-risk customer accounts for potential money laundering activities, escalating concerns as necessary to mitigate risks effectively.
  • Conduct detailed investigations into potential money laundering, terrorist financing, elder abuse, structuring, human trafficking and other illicit activities, mitigating risk exposure.
  • Conduct thorough and timely investigations of suspicious activity reports, ensuring compliance with regulatory requirements.

AML/BSA

US Bank (Contract)
05.2024 - 08.2024
  • Reduced the risk of money laundering and terrorist financing by implementing robust KYC policies and procedures.
  • Prevented account closures or penalties with prompt resolution of outstanding KYC issues for high-risk clients.
  • Adjusted end-to-end KYC process needs to align with workforce capabilities.
  • Analyze large datasets using various analytical techniques to identify patterns indicative of potential money laundering activities.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Reduce false positives in transaction monitoring alerts through continuous refinement of system parameters based on historical patterns and trends.
  • · Reduced the risk of fraud by implementing effective internal controls and monitoring systems

Senior Auditor

Yardi
06.2022 - 01.2024
  • Maintained confidentiality, handling sensitive information discreetly throughout all stages of the audit process
  • Mentored junior auditors, sharing knowledge and best practices to foster their professional growth within the team
  • Increased internal control effectiveness through diligent evaluation of processes and providing recommendations for improvement
  • Identified control gaps in processes, procedures, and systems through in-depth research and assessment and suggested methods for improvement
  • Increased stakeholder satisfaction with timely delivery of high-quality audit reports that clearly communicated findings and recommendations
  • Audited clinical trials through review of research protocols and regulations compliance.

AML Compliance Analyst

Capital One
02.2019 - 09.2021
  • Supported KYC processes for prospective and existing customers.
  • Reduced the risk of money laundering and terrorist financing by implementing robust KYC policies and procedures.
  • Partnered with client-facing teams to collect legal documents and associated information for regulatory and internal policies.
  • Provided training to new team members on KYC procedures, resulting in increased productivity and effectiveness.
  • Reduced false positives in transaction monitoring alerts through continuous refinement of system parameters based on historical patterns and trends.
  • Prepared detailed reports for senior management highlighting key findings from investigations and risk assessments, allowing informed decision-making regarding client relationships.
  • Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.

OFAC

Bank Of America
05.2012 - 11.2018
  • Provided training and support to junior officers, fostering a culture of continuous improvement in KYC practices.
  • Improved overall AML/KYC program effectiveness through regular audits and reviews of policies and procedures.
  • Supported the implementation of new technology solutions, enhancing the efficiency of KYC processes and reducing manual efforts.
  • Analyzed situations to determine how best to resolve issues posing potential risks to bank or customers.
  • Prepared and filed Suspicious Activity Reports (SARs)
  • Collaborated with internal stakeholders, including legal, risk management, and operations teams, to address compliance issues and implement effective controls
  • Efficiently managed high caseloads, balancing priorities to ensure all investigations were completed in a timely manner.
  • Collaborated with internal stakeholders to address any identified risks or concerns related to KYC/AML processes.

Timeline

Financial Crimes Investigator

Wells Fargo (Contract)
08.2024 - Current

AML/BSA

US Bank (Contract)
05.2024 - 08.2024

Senior Auditor

Yardi
06.2022 - 01.2024

AML Compliance Analyst

Capital One
02.2019 - 09.2021

OFAC

Bank Of America
05.2012 - 11.2018

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Melanie Henry