Thomas Washington Jr
Jessup
Summary
Analytical and detail-driven financial services professional with 16+ years of experience in collections, banking operations, and customer account analysis, transitioning into a Bank Secrecy Act (BSA) / Anti-Money Laundering (AML) Analyst role. Proven ability to identify suspicious financial activity, investigate irregular transactions, and ensure compliance with regulatory standards including BSA, AML, KYC, and OFAC requirements. Adept at risk assessment, case documentation, and fraud detection.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Payments Representative II
Tower Federal Credit Union
Laurel
02.2023 - Current
- Monitors ATM, mobile, and mail-based transactions, identifying and escalating suspicious activity and potential fraud to protect member assets and ensure regulatory compliance.
- Examine signatures on high-value checks cleared through member accounts to identify and resolve discrepancies, ensuring transaction integrity and fraud prevention.
- Administers the review and resolution of returned deposit items and account adjustments in strict accordance with federal banking regulations, safeguarding institutional integrity and member account accuracy.
- Maintains comprehensive audit records to substantiate compliance efforts and reinforce internal controls, ensuring organizational readiness for regulatory examinations.
Collector II
Tower Federal Credit Union
Laurel
03.2018 - 02.2023
- Managed delinquent accounts by negotiating payment solutions, improving recovery rates and customer retention
- Ensured full compliance with federal and state collection laws, minimizing legal and regulatory risk
- Investigated account histories and customer financial situations to recommend effective repayment strategies
- Collaborated with internal and external partners to resolve insurance claims and account discrepancies
- Strengthened customer relationships through professional communication and problem resolution
Collector III
Wells Fargo
Greenbelt
11.2011 - 11.2017
- Communicated with customers to negotiate payment arrangements and resolve disputes.
- Utilized collection software to track account status and maintain records.
- Followed fair debt practices and regulatory guidelines when managing collections process.
- Administered delinquency cycle from start to finish, managing collections calling, skip tracing, outside collections agency coordination and related litigation.
Lead Teller
Wachovia Bank
Washington
05.2009 - 11.2011
- Prepared and submitted Currency Transaction Reports (CTRs) for cash transactions over $10,000
- Identified and reported suspicious transactions consistent with BSA/AML guidelines.
- Performed KYC procedures including identity verification and customer due diligence.
- Assisted management in training staff on fraud detection and compliance practices.
- Reviewed customer transaction patterns to detect inconsistencies aligned with AML red flags.
Education
Associate of Arts - Cybersecurity
Howard Community College
Columbia, MD 01.2026 - 03.2026
Skills
- BSA / AML Compliance & Monitoring
- Suspicious Activity Reporting (SARs)
- Transaction Monitoring & Analysis
- Know Your Customer (KYC) / Customer Due Diligence (CDD)
- Fraud Detection & Financial Crime Prevention
- Risk Assessment & Escalation Procedures
- Regulatory Compliance (FinCEN, OFAC)
- Case Investigation & Documentation
- Data Analysis
- Attention to Detail & Critical Thinking
- Microsoft Office
- Case Management Systems
- Strong investigative mindset
- Ability to identify money laundering red flags
- Excellent documentation and reporting skills
- High level of integrity and confidentiality
Certification
- Google Cybersecurity Certificate
- CompTIA a+ Cyber Certification
- CompTIA Security+ (In Progress)
Timeline
Associate of Arts - Cybersecurity
Howard Community College
01.2026 - 03.2026
Payments Representative II
Tower Federal Credit Union
02.2023 - Current
Collector II
Tower Federal Credit Union
03.2018 - 02.2023
Collector III
Wells Fargo
11.2011 - 11.2017
Lead Teller
Wachovia Bank
05.2009 - 11.2011