Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

TORIE GRAY

Baltimore

Summary

Detail-oriented Fraud/AML Investigator with a proven track record in identifying, analyzing, and preventing fraudulent activities. Experienced in conducting thorough investigations, utilizing advanced analytical techniques, and ensuring compliance with regulatory requirements. Skilled in data analysis, risk assessment, and applying investigative methodologies to detect and prevent financial crimes.

Overview

9
9
years of professional experience
1
1
Certification

Work History

SENIOR FRAUD INVESTIGATOR (Contractor)

USAA Bank
07.2022 - 05.2025
  • Review and maintain a portfolio of various fraud cases and types in production driven environment
  • Conducting research of fraud cases utilizing fraud management tools and systems to investigate suspicious financial and non-financial activity on a range of products and services, documenting findings and determining whether the case should be escalated/referred for further review or action
  • Review state matrixes and cases to determine if Elder Financial Exploitation is occurring and escalate as appropriate
  • Identifying scenarios which merit a suspicious activity report (SAR), accurately and thoroughly gathering necessary artifacts for SAR development, drafting SAR’s to be filed to FinCEN by clients adhering to important deadlines
  • Reviewing and investigating customer profile information (PII, Email, Phone, etc.)
  • Articulating findings in a clear and concise manner that considers the client’s risk appetite
  • Meeting production targets and quality standards
  • Maintaining a strong level of independence and time management skills
  • Maintaining high attention to detail
  • Ensuring compliance with federal and state regulations, as well as client internal policies, procedures and required compliance

DETECTION & INVESTIGATION ANALYST LEAD (Contractor)

PNC Bank
11.2021 - 07.2022
  • Conduct review and perform investigations on transaction-based alerts and escalated cases of potential fraud, generated from an automated monitoring system (Mantas)
  • Reasonably establish the nature of transactional activity, and effectively document the decision to mitigate and close case and/or to file a suspicious activity report (SAR)
  • Perform look-backs on account activity outside of scope of review when alerting transactions were unclear whether suspicious
  • Draft and file suspicious activity report (SAR) on a daily basis consistent with FinCEN requirements
  • Mitigate bank losses by placing holds and closing high risk accounts
  • Recommend disposition; identify gaps and control enhancements
  • Minimize fraud, Anti-Money Laundering and/or organizational risk
  • Identify trends and escalate as appropriate
  • Ensure all alerts and/or cases are closed within required timeframe

KYC ANALYST (Contractor)

USAA Bank
03.2021 - 06.2021
  • Review and independently assess alerts derived from Anti-Money Laundering/Bank Secrecy Act suspicious activity monitoring and Economic Sanctions/Office of Foreign Assets Control screening conducted by client
  • Review and independently assess Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) alerts derived from customer profile monitoring to ensure complete and accurate Know Your Customer (KYC) profiles and Customer Identification Program (CIP) requirements
  • Utilize transaction monitoring and case management systems (as available), vendor solutions, and open-source tools to conduct investigations
  • Compare observed activity with client KYC and expected activity profiles for anomalous transactions or behaviors
  • Prepare observations from review and analysis through compiling of review notes, documentation and resolution
  • Interact with various client compliance and operational staff, customer service areas and management in conducting review
  • Determine whether activity should be escalated for further review based on alert review
  • Prepare and submit suspicious activity reports (SAR) to appropriate government agencies

SCRA COMPLIANCE REVIEW SPECIALIST (Contractor)

USAA Bank
02.2020 - 02.2021
  • Review mortgage loan files to qualify SCRA protections for respective service members per military orders & qualification in DMDCRS database
  • Determine if service members meet SCRA guidelines for mortgage protections (e.g., interest rate cap benefits, foreclosure exclusions)
  • Cross-reference bank reference matrix against military orders to ascertain timeline of service members posting to respective bases/destinations
  • Follow bank test plan to qualify pass or fail status of targeted SCRA mortgages
  • Close out project with reconciliation of remediation checks that were sent to service members that have SCRA protections violated

AML INVESTIGATOR (Contractor)

TD Bank
09.2019 - 01.2020
  • Reviewed federal and state issued subpoenas to confirm which parties or account were the subject of investigation
  • Utilized SAS to view alerting transactions for customers
  • Investigated multiple activity alert types including cash, debit card, check, ACH, ATM, wire transfers (domestic and international) and monetary instruments
  • Input/Verifies SWIFT messages
  • Identified and researched patterns, trends and anomalies in complex transactions and customer data to detect, prevent, mitigate and report suspicious activity related to money laundering, terrorist financing and structuring
  • Evaluated the circumstances under which the transactions are done
  • Performed internal searches of clients’ systems (upwards 15-20 systems)
  • Investigative techniques using internet, Public Websites, Lexis/Nexis, etc.
  • Worked with large data and on a large volume document review; including manipulating data in excel (pivot tables, macros, v-lookups, filtering, etc.)
  • Produced well-written Suspicious Activity Report (SAR) detailing and analyzing the potential suspicious activity for review, and when appropriate, prepared a filing with FinCEN

BSA/AML/OFAC ANALYST (Contractor)

Wells Fargo Bank
06.2018 - 12.2018
  • Screened customers, prospects and/or transactions against various regulatory reporting lists and regionally based sanctions watch lists. Evaluated risks to determine permissibility under sanctions regulations and/or BSA/AML regulations.
  • Conducted research and/or background investigations on transactions, individuals, business entities, organizations and/or locations to identify and mitigate associated sanctions, credit, financial crimes and reputational risks and thoroughly document findings
  • Performed Enhanced Due Diligence and research on high-risk accounts
  • Review, analyze and create expect list rules for items determined to be false positive alerts when warranted
  • Review of outgoing and incoming swift messages
  • Determined permissibility under sanctions regulations and/or BSA/AML regulations
  • Testing and Validation
  • Escalated confirmed sanction alerts PEP matches and other risks appropriately
  • Performed non-documentary Customer Identification Program (CIP) on domestic customers in accordance with bank policy
  • Ensure compliance with guidelines set forth in federal/state anti-money laundering laws and regulations including Bank Secrecy Act and various sanction regulations

AML INVESTIGATOR (Contractor)

JP Morgan Chase Bank
05.2017 - 05.2018
  • Reviewed cases generated from sources which included Automated Monitoring System (e.g. Mantas), Client-Onboarding and Maintenance and Transaction monitoring referrals and referrals from business partners and other controlled areas
  • Conducted research over available Bank systems, the Internet and Commercial Databases consistent with the resolution of case reviews and investigations
  • Collected and examined financial statements and documents to assist in identifying unusual transaction patterns
  • Performed lookbacks on account activity outside of scope of review when alerting transactions were unclear whether suspicious
  • Documented and reported the review/investigation findings and prepare case files with required supporting documentation (e.g. media search results, copies of statements/checks, results from internal and external system searches etc.)
  • Drafted and filed Suspicious Activity Reports (SARs) consistent with FinCEN requirements
  • Liaised with other FIU units, Advisory, Business Compliance teams, CSIS, FIU Legal, GIU, and Law Enforcement

ONBOARDING SPECIALIST (Contractor)

JP Morgan Chase Bank
01.2017 - 04.2017
  • Disposition Review, analyze and investigate new hire and internal employee background reports such as criminal, credit and education ensuring that all regulatory and JPMC policy standards are met based on established criteria
  • Manage data validation issues, perform issue resolution research and follow through to obtain necessary information to maintain compliance standards
  • Perform outbound calls to individuals who have not fulfilled regulatory requirements to discuss and request supporting documentation, assisting in the decision-making process of determining one’s eligibility for access and/or employment
  • Analyze submitted documentation to determine whether it supports background report

FRAUD ANALYST (Contractor)

Bank of America
09.2016 - 12.2016
  • Research and analysis of account activity to assess levels of risk and fraud type, making decisions which directly impacted the customer’s account and impact the bank
  • Completed inbound and outbound calls and take appropriate action based on transaction characteristics, varying in complexity
  • Investigate and decision daily incoming ATM Debit, Checking, Savings and Deposit fraud claims using multiple systems and tools
  • Resolved differences on potentially suspicious activity escalated from the Fraud Alert team
  • Filed new claims, update and follow-up on existing claims, and/or reviewed appeals on denied fraudulent claims
  • Monitored high-risk account review of remote deposit capture and return deposit items
  • Maintained internal operational and financial controls and ensures that they are observed for all assigned fraudulent claims

Education

Bachelor of Science - Legal Studies

WILMINGTON UNIVERSITY
Wilmington, DE
05.2011

Skills

  • Reviewing large volumes of financial or transactional data to detect anomalies and suspicious patterns
  • Identifying early warning signs of fraud, such as inconsistent documentation and unusual spending behavior
  • Working with software like Actimize, in-house analytics platforms, etc
  • Recognizing signs of fraudulent intent through behavioral patterns
  • Familiarity with types of fraud (identity theft, account takeover, check fraud, etc)
  • Documenting how fraud was identified, investigated and remediated (eg Suspicious Activity Reports)
  • Collaborate cross-functionally with compliance, legal, and risk management teams to support fraud detection, case escalation, and regulatory reporting processes

Certification

Certificate - Paralegal

Timeline

SENIOR FRAUD INVESTIGATOR (Contractor)

USAA Bank
07.2022 - 05.2025

DETECTION & INVESTIGATION ANALYST LEAD (Contractor)

PNC Bank
11.2021 - 07.2022

KYC ANALYST (Contractor)

USAA Bank
03.2021 - 06.2021

SCRA COMPLIANCE REVIEW SPECIALIST (Contractor)

USAA Bank
02.2020 - 02.2021

AML INVESTIGATOR (Contractor)

TD Bank
09.2019 - 01.2020

BSA/AML/OFAC ANALYST (Contractor)

Wells Fargo Bank
06.2018 - 12.2018

AML INVESTIGATOR (Contractor)

JP Morgan Chase Bank
05.2017 - 05.2018

ONBOARDING SPECIALIST (Contractor)

JP Morgan Chase Bank
01.2017 - 04.2017

FRAUD ANALYST (Contractor)

Bank of America
09.2016 - 12.2016

Bachelor of Science - Legal Studies

WILMINGTON UNIVERSITY

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TORIE GRAY