Danyelle C. Ray
Germantown
Summary
Analytical accounting and financial operations professional specializing in AML and BSA compliance. Expertise in leading remediation projects, conducting risk assessments, and managing high-risk client reviews. Recognized for enhancing operational efficiency and ensuring regulatory adherence in fast-paced fintech environments.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Business Consultant
MBO Partners
01.2023 - 12.2025
- Led a 500+ case remediation project completed ahead of SLA with zero rework.
- Manage EDD case assignments for High, Medium, and Low risk clients in accordance with internal procedures, SLAs, and regulatory guidelines.
- Conduct periodic customer reviews (PRs) across various entity types, including complex ownership structures and high-risk clients.
- Support daily activities related to the organization's corporate-wide BSA/AML compliance program within a fintech environment.
- Monitored and investigated system-generated and manual AML/fraud alerts; documented case dispositions and escalation decisions to ensure compliance.
- Investigate unusual activity and prepare regulator-ready documentation supporting SAR filing decisions.
- Review transactional activity to identify structuring, suspicious patterns, terrorist financing indicators, and fraud risks.
- Conducted QA trend analysis to identify process improvements, enhancing compliance oversight.
- Partner with Compliance and Risk teams to respond to internal inquiries and support regulatory examinations.
Associate
Guidehouse
09.2021 - 01.2023
- Conducted risk-based AML investigations and transaction monitoring across diverse customer segments.
- Executed FIU-style investigations to detect and mitigate risks within a global fintech environment.
- Reviewed watchlist screening matches (OFAC, PEP, global sanctions) and conducted enhanced research to effectively resolve potential matches.
- Conducted EDD reviews and ownership analysis for higher-risk clients.
- Escalated suspicious activity and documented findings supporting SAR investigations and regulatory reporting.
- Supported regulatory audits and internal examinations through preparation of detailed investigative files.
- Identified control gaps and recommended process enhancements to strengthen compliance with AML and OFAC requirements.
- Worked remotely in a global fintech setting.
Accountant
Georgetown University
Washington
07.2019 - 09.2021
- Prepares financial reports, including balance sheet and bank statement reconciliations.
- Prepares quarterly balance sheet reconciliations to obtain an accurate picture of organization's financial situation.
- Contributes to the achievement of team objectives by collaborating with peers to build strong and effective work relationships.
- Prepares check and wire requests for the disbursement of various revenue or claim transactions.
- Delivers reports to company leaders focusing on financial accounting, cost accounting and sales data to guarantee that organizational objectives aligned with daily operations management.
- Assists in the training and guidance of less experienced staff members.
- Exercises latitude to deviate from standard policies and procedures within established limits.
- Analyzed banking activity balances and ledger information to ensure accurate accounting; coordinated with bank, treasury department, and management to research and resolve unreconciled items.
- Coordinates responses to both internal and external auditors.
- Delivered accurate, timely analysis in response to ad hoc reporting requests and issues.
- Utilize technical skills to streamline and improve existing processes.
- Utilizes technical skills to streamline and improve existing processes.
- Posted payments to assigned work tags (grants, gifts or department cost centers).
- Prepares schedules for year-end audits to comply with accounting standards.
- Performs duties of subject matter expert (SME) in some functional areas of responsibility; Applies expertise, judgment, and precedents to contribute to the resolution of moderately complex problems.
- Assist in the training and guidance of less experienced staff members.
- Exercise latitude to deviate from standard policies and procedures within established limits.
- Identifies system errors and applies established company policies and procedures to resolve issues.
- Analyzes trends and monitors customer behaviors to serve as predictors for future marketplace actions.
- Manages complex problem solving for upper management in order to complete projects on time and within budget.
- Identify quality control issues and submit quality control issues recommendations to supervisor.
- Maintains confidentiality and appropriately handles sensitive communications.
- Contribute to the achievement of team objectives by collaborating with peers to build strong and effective work relationships.
- Prepared, reviewed, and analyzed billing lists and hard copy billing documents for the research department and charges as well as professional fees for all procedures performed.
Financial Specialist
Wells Fargo
Fredrick
01.2019 - 06.2019
- Evaluated Financial Crimes MR's, including acceptance and rejection, and developed BBG-specific business control documentation, ensuring proper updates in SHRP Business Profile Management.
- Established and maintained procedural documents to align control processes with Corporate Financial Crime Risk Management Policies and Wholesale Policies.
- Drafted and maintained due diligence tools, including job aids and guidance documents, to support management of BBG FCRC Program processes.
- Track and report on progress for all Financial Crimes corrective actions identified in SHRP because of audits/exams/testing in accordance with Corporate Issue Management Policy.
- Assists in preparations for audits, testing reviews, or regulatory exams. Assists with the resolution of any issues, findings and/or recommendations.
Education
Associate of Science - Business Administration
Everest College
Arlington, VASkills
- Anti-Money Laundering (AML)
- Bank Secrecy Act (BSA)
- Customer Due Diligence (CDD)
- Due diligence
- Periodic Customer Reviews (PRs)
- Suspicious Activity Reports (SAR)
- Currency Transaction Reports (CTR)
- Transaction monitoring
- Currency monitoring
- Watchlist screening
- Risk Assessments
- Banking compliance
- Regulatory Examinations
- Actimize AML
- Moody's Analytics (RDC)
- World-Check One
- Fircosoft / Compliance Link
- LexisNexis
- Chainalysis
- FinCEN BSA E-Filing
- Banking systems
- ACH platforms
- Microsoft Excel (Advanced)
- Power BI
- SLAs
- Case Management Standards
- FIU investigations
Websites
Certification
- Financial Crime, Compliance & Regulatory Governance, SkillSoft, 03/01/26
- Global Anti-Money Laundering (AML) Compliance, SkillSoft, 03/01/26
- Financial Integrity & Ethical Financial Conduct, SkillSoft, 03/01/26
- Insider Trading Compliance & Market Abuse Prevention, SkillSoft, 03/01/26
- U.S. Antitrust Law & Regulatory Compliance, SkillSoft, 03/01/26
- Code of Conduct & Corporate Governance Awareness, SkillSoft, 03/01/26
- Global Business Ethics & Regulatory Accountability, SkillSoft, 03/01/26
- Record Retention, Regulatory Documentation & Information Governance, SkillSoft, 03/01/26
- Workplace Compliance & Regulatory Conduct, SkillSoft, 03/01/26
- Equal Employment Opportunity (EEO) & Lawful Hiring Practices, SkillSoft, 03/01/26
Systems And Tools
- Actimize AML
- Moody's Analytics (RDC)
- World-Check One
- Fircosoft / Compliance Link
- LexisNexis
- Chainalysis
- FinCEN BSA E-Filing
- Core Banking Systems (Finastra Encore, ATS)
- ACH Processing Platforms (FedLine, NACHA tools)
- Microsoft Excel (Advanced), Power BI
Timeline
Business Consultant
MBO Partners
01.2023 - 12.2025
Associate
Guidehouse
09.2021 - 01.2023
Accountant
Georgetown University
07.2019 - 09.2021
Financial Specialist
Wells Fargo
01.2019 - 06.2019
Associate of Science - Business Administration
Everest College