Christopher Toba Adeoye
Catonsville
Summary
Creative AML/OFAC/BSA/FRAUD Analyst with over 10 years of working experience in the banking sector, both locally and internationally. Highly skilled in detecting suspicious activity patterns, Anti-Money Laundering, EDD (Enhanced Due Diligence), Fraud investigation, High Risk Reviews, BSA (Bank Secrecy Act), Risk Management, Negative News Screening, SAR drafting, Know Your Customer (KYC), OFAC Stripping, Regulatory compliance, Data Analysis, and Ongoing Transaction Monitoring. Astute professional seeking an opportunity to add value to the organization.
Overview
19
19
years of professional experience
Work History
AML/OFAC/BSA ANALYST
PNC Bank
04.2023 - Current
- Handle investigations related to real time wire transfer inquiries related to OFAC.
- Review system generated alerts to assess the presence of potential illicit activity that may require reporting based on Bank Secrecy Act (BSA) requirements.
- Perform negative news screening and verify PEP matches.
- Escalate risk as appropriate for advanced investigations or enhanced due diligence in accordance with company policies.
- Investigate suspicious activity as required under the Bank Secrecy Act and USA Patriot Act using tools such as RDC, LexisNexis, Zendesk, Salesforce.
- Compiles information and documents from a variety of sources to draft SAR reports.
- Conduct KYC formality reports on questionable accounts and transactions.
- Perform compliance reviews of new and existing high-risk clients and relationships in one or several business sectors that require AML Compliance approval.
- Responsible for the drafting of SAR documents and making decisions to file SAR if risk cannot be mitigated.
- Use customer risk scoring models in accordance with the departmental processes and procedures.
- Conduct due diligence and enhanced due diligence on clients.
- Monitor OFAC website for updates.
- Conduct thorough reviews for high-risk clients based on stratified risk level guidelines.
- Support the KYC team on KYC reviews of clients by gathering information from public sources and various internal systems and tools to verify identity.
- Perform OFAC Stripping on clients to ensure they are not on OFAC Watchlist.
AML/FRAUD ANALYST
Morgan Sterling
02.2020 - 03.2023
- Reviewed documentation to prevent fraud, money laundering, and identity theft.
- Investigated suspicious activity as required under the Bank Secrecy Act and USA Patriot Act.
- Kept updated on Anti-money laundering regulation requirements and financial crime tendencies.
- Escalated risk as appropriate for advanced investigations or enhanced due diligence in accordance with company policies.
- Reported high risk financial crime concerns to our financial crime team.
- Conducted objective, thorough, and timely investigations into allegations of fraud.
- Identified threats, vulnerabilities, and suspicious behavior patterns to recommend mitigation measures.
- Analyzed and investigated complex fraud cases including Account Take Over, Dispute fraud, Elder abuse, and Synthetic Identity using tools such as Unit21, Documentum, Zendesk, LexisNexis, Actimize.
- Reviewed alerts at a high volume to determine if true match to suspected money launderers, drug dealers or terrorist.
- Escalated unusual activity to the Financial Intelligence Unit (FIU) and assisted with escalating potential risks.
- Analyzed transaction data, research findings, information received from the customer to ascertain if transaction is suspicious, or fraud is suspected.
- Evaluated and sent report on investigation findings to management.
BUSINESS DATA ANALYST
Point Breeze Credit Union
03.2018 - 02.2020
- · Being a team member of product analytics, I worked as a data analyst to help collect, organize, analyze, and interpret large sets of financial data by;
- Collecting financial data from various sources such as internal systems, public databases, web analytics, and third-party vendors
- Evaluating data pulled for accuracy and in line with the business requirements
- Cleaning and organizing the data to ensure accuracy, consistency, and completeness
- Converting the findings into better visualization using business intelligence tools like Tableau, Excel
- Creating reports and dashboards that present key performance indicators (KPIs) and other insights into management
- Using statistical analysis and data mining techniques to identify trends, patterns, and insights that can inform business decisions
- Analyzing customer behavior and preferences to inform the development of new products and services
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes
FINANCIAL OFFICER
A&F Integrated Investment Limited
11.2012 - 03.2016
- Ensuring that all transactions have been processed fully and by all relevant laws, standards, and regulations
- Ensuring that all relevant Policies, Processes, and Procedures relating to Operations and Procurement are duly complied with across the organization
- Ensuring that the company procures all input required for operations in an efficient and effective manner
- Carrying out all relevant reviews, analysis, interpretation, and dimensioning of financial data to generate relevant insights and information for management
- Analyzing complex financial information to offer recommendations to management, driving decision-making
- Generating financial reports to garner forecasting, trending, and narrative results analysis for management
- Assisting senior management in maintaining profitability by analyzing portfolios and implementing strategies and techniques
BANK TELLER SUPERVISOR
Sterling Bank Limited
06.2010 - 11.2012
- Maintained compliance with all regulatory requirements, regularly reviewing policies and procedures.
- Streamlined teller operations for improved accuracy and efficiency in transaction processing.
- Coordinated with other departments to address complex customer issues, resulting in timely resolution.
- Managed teller schedules, ensuring adequate staffing levels during peak business hours.
- Oversaw staff training initiatives, ensuring all tellers were knowledgeable about products, services, and operational procedures.
- Maintained strong knowledge of bank products, services, procedures, and regulatory requirements to assist staff members with questions and difficult or complex tasks.
- Examined tellers' reports of daily transactions for accuracy.
BANK TELLER
Equitorial Trust Bank (ETB)
04.2006 - 06.2010
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring a seamless customer experience.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Answered customer inquiries regarding account balances, transaction history, service charges, and interest rates.
- Established trust with clients by maintaining confidentiality and protecting sensitive financial information.
- Processed customer transactions promptly, minimizing wait times.
- Counted and packaged currency and coins.
- Conducted daily audits of cash drawer, ensuring accuracy and compliance with bank policies.
Education
M.B.A - Accounting & Finance
University Of Ilorin
09.2011
B.Sc - Accounting
University of Ilorin
12.2004
Skills
- Information Verification
- Data documentation
- Work ethics
- Compliance strength
- Investigation
- Banking regulations
- SQL proficiency
- SAR drafting
- Due diligence
- Analytical skills
- Report Writing
- Team player
Timeline
AML/OFAC/BSA ANALYST
PNC Bank
04.2023 - Current
AML/FRAUD ANALYST
Morgan Sterling
02.2020 - 03.2023
BUSINESS DATA ANALYST
Point Breeze Credit Union
03.2018 - 02.2020
FINANCIAL OFFICER
A&F Integrated Investment Limited
11.2012 - 03.2016
BANK TELLER SUPERVISOR
Sterling Bank Limited
06.2010 - 11.2012
BANK TELLER
Equitorial Trust Bank (ETB)
04.2006 - 06.2010
B.Sc - Accounting
University of Ilorin
M.B.A - Accounting & Finance
University Of Ilorin
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