OBJECTIVE: To continue to develop and enhance my career by pursuing a specialist position within Financial Operations with a strong focus on risk management, anti-money laundering, and fraud investigations.

Anti-Money Laundering Investigative Analyst
Citigroup, Inc. - Tampa, Florida, USA
May 2006 to Present

Conducted searches and gathered data regarding anomalous activity by utilizing the Internet, Lexis Nexis, commercial databases, inquiries, and contact with other investigative entities such as Compliance Officers within and outside the institution. Evaluated and recommended the need for Suspicious Activity Reports (SAR). Created and maintained cases, and prepared SARs for suspect transaction activity. Applied and adapted changes obtained from training and the implications of any domestic or internationally imposed sanctions, laws, and regulations to the task at hand. Engaged in special projects as needed to assist other businesses within the company.

Operations Management Specialist
Raymond James Bank, FSB - St. Petersburg, Florida, USA
June 2003 to May 2006

Performed bank back-office operations duties including data entry, account reconciliation, client research and resolution, and maintained and updated procedures. Assists in managing overall bank operations. Completed bookkeeping and other operations activities including, but not limited to, daily general ledger journal entries, account reconcilement, ACH return items, and other electronic items processing. Reconciled the general ledger accounts for all ATM deposits, Visa Checkcard and ATM debit card transactions, and ACH transactions. Balanced cash and check deposits processed through the ATM. Researched and corrected system errors resulting from transaction differences between the host and switch systems. Managed and investigated all Regulation E processing including Visa chargebacks, ATM claims, ACH error resolution, Internet Banking bill payment research, and ensuring that the bank operates within federal guidelines. Processed Visa chargebacks, ACH stop payments, ACH notices of change and returns via Fed Phone, verification of ACH pre-notes, and any changes in the daily CNS/Fiserv settlement.

Performed daily Visa Checkcard and ATM debit card processing; including daily account settlements with card servicing vendors and reviewing cardholder usage reports used to identify fraudulent transactions. Monitored account transactions for potential fraud and took appropriate actions as necessary to research and resolve any issues. Investigated unauthorized transactions and fraudulent activity. Performed daily OFAC and FinCen scans and reported potential matches. Documented and filed SAR reports as needed.

Performed daily Internet Banking operations processing including the review of transaction detail, reconcilement of internal settlement accounts, ongoing maintenance of user accounts, and provided corresponding technical support to clients. Managed special projects related to bank products and services, including interactions between bank and brokerage operations. Provided communication and research information with Financial Advisors, clients, or other departments in order to provide problem resolution. Maintained all appropriate journals and records to document compliance with all applicable regulations and made preparations of materials for Board review. Assisted in managing the bank's electronic processing areas, maintaining the regulatory and compliance integrity of the overall banking operations, and developing and implementing new products such as the Verified by Visa program.

Reviewed internal control programs to ensure compliance with all applicable regulations and the bank's electronic operations policy. Maintained and updated operations policies and procedures to ensure the safety of clients' funds and to minimize exposure to losses, as well as adherence to banking regulations. Managed annual training of department in regards to federal laws and regulations.

Settlement Investigator
Card Account at the Post Office (United Kingdom)
Citigroup, Inc. - Tampa, Florida, USA
November 2002 to June 2003

Implemented and maintained all financial back office services for the UK Card Account at the Post Office program. During the implementation and pilot phase of the program I performed as a business analyst and technical writer. After the program went live, my primary responsibilities included calculating and performing daily financial settlement, and identifying, investigating, and resolving all settlement differences. The daily assignments that I was also responsible for included processing of CHAPS wires, facilitating inter-company funds transfer, calculating monthly and quarterly fees, reconciling all accounts held at NatWest and Citibank N.A., creating manual vouchers for the general ledger, balancing the sub ledger, and compiling the monthly MIS and scorecard. I also took part in the Claims process where I processed BACS deposits and manual recalls, initiated cardholder account adjustments, investigated fraud, and issued stop payments on checks via WorldLink.

Claims Investigator
Citicorp Electronic Financial Services
Citigroup, Inc. - Tampa, Florida, USA
February 1999 to November 2002

Performed reconciliation between accounts and claims investigation. Identified system errors and discrepancies between internal and external entities which resulted in adjustments to cardholder accounts. Researched and implemented process improvements. Developed departmental presentations and procedures and acted periodically as a consultant for the development and enhancement of new software applications. Acted as lead worker and deputy team leader for two years. (Note: February 1999 to April 2000 Manpower/Initial Staffing)

May 1998
Bachelor of Arts (Anthropology)
University of South Florida - Tampa, Florida, USA
Studied cultural diversity and industrial psychology.

• Applications: Advisor’s Resource, Bankline Cash Manager, Bankline Payment Manager, Kirchman Bankway, CA View, CitiDirect, Citismart, CheckFree Sponsore Care and Tools, Claim Track, Client Workstation, Factiva, FEB, Filemaker, eRecon, Homeland Tracker, Millenium General Ledger 3.0, Kirchman Dimension 3000, Lexis Nexis, MS Excel, MS Powerpoint, MS Outlook, MS Word, NESS, Recon Plus, Optical, OSA, PCI, Settlement Manager (Trans 24), Syfact, Visio, World Check, Word Perfect, WorldLink Reporting


• Computer Languages: HTML, MySQL, PHP


• Operating Systems: AS400, DOS, Macintosh, Mandrake Linux, Redhat Linux, Tandem, Solaris Unix, Windows 3.1, Windows 3.11, Windows 95, Windows 98, Windows Millenium, Windows XP

• Native Language: English


• Other Languages: Mandarin Chinese (Basic), Italian (Basic), Spanish (Basic)

Available upon request.