Annmarie Whitley
Springboig,Glasgow
Summary
Driven individual with keen eye for identifying suspicious financial activities, combined with strong analytical skills and proficiency in regulatory compliance. Adept at utilising advanced data analysis techniques and maintaining meticulous attention to detail. Ready to contribute to impactful risk management and fraud prevention in Transaction Monitoring role. Offering strong analytical mindset with keen eye for detail, combined with solid foundation in compliance and risk management.
Knowledgeable about financial regulations and adept at identifying suspicious activities. Ready to use and develop skills in data analysis, risk assessment, and regulatory compliance in Transaction Monitoring role. Possesses strong analytical abilities and excellent communication skills, specialising in data analysis and risk assessment. Capable of identifying and mitigating financial crimes to support organisational integrity. Experienced Transaction Monitoring Analyst focused on enhancing compliance and risk management. Delivered significant improvements in transaction monitoring processes, reducing false positives and boosting detection accuracy.
Experienced professional suited for Transaction Monitoring Analyst role. Possesses strong analytical abilities and excellent communication skills, specialising in data analysis and risk assessment. Capable of identifying and mitigating financial crimes to support organisational integrity.
Overview
10
10
years of professional experience
Work History
Senior Transaction Monitoring Analyst
Santander Bank
Glasgow, Glasgow City
09.2022 - Current
- Analysing alerts triggered automatically and manually on business/retail customer accounts with the aim of identifying money laundering red flags and escalating to First Line of Defence
- Carrying out high risk investigations regarding; terrorism, human trafficking and drug trafficking
- Reviewing customer profiles to assess risk and ensure compliance with Know Your Customer (KYC) regulations
- Correctly identifying material changes to customer behaviour and clearly articulating reasoning behind raising event driven review referrals
- Notifying relevant departments of complex investigations via correct channels
- Escalation of current and emerging trends and using this to provide feedback on ways to improve processes
- Keeping up to date with current AML policies and directives ensuring the bank complies with regulatory requirements.
- Evaluated patterns of financial behaviour using sophisticated software tools, resulting in more accurate transaction monitoring outcomes.
- Conducted detailed research on customers suspected of fraudulent activity, aiding the prevention of financial loss within the company.
- Improved detection rates by refining existing transaction monitoring rules and parameters.
- Reviewed alert queue daily, clearing false positives promptly.
- Wrote clear and concise case notes, facilitating communication across departments.
- Participated actively in team meetings and discussions contributing towards continuous improvement efforts.
- Enhanced transaction monitoring processes by implementing robust risk management strategies.
- Identified suspicious financial activities with advanced data analysis techniques.
- Conducted thorough investigations to mitigate potential risks and frauds.
- Streamlined operational procedures, increasing efficiency in transaction monitoring processes.
- Analysed complex sets of data for detecting irregularities in transactions.
- Collaborated effectively to resolve concerns related to suspicious transactions.
Senior Financial Crime Specialist
Monzo Bank
05.2021 - 09.2024
- Transaction Monitoring - Investigating users account that have been identified by our transaction monitoring systems, identifying and managing risk on the accounts
- Reviewing all of the data available to understand the customer activity as well as identifying patterns of fraud/AML typologies and taking appropriate action
- These can range from raising or lowering of the risk rating on the account, reaching out to customers to gain a better understanding of their account use or to ask for documentation to confirm, for instance, that they have the right to work in the UK
- Account Closure - Closing accounts and returning funds, this can be either back to the customer nominated account or sending funds back to other banks by the indemnity process
- SAR - Writing complex SAR/DAML reports that are submitted to NCA
- External bank contact - Reaching out to other banks to inform them of fraudulent transaction that have entered their customers' accounts, any concerns emails as well as providing an outcome to any fraud reports that we have received
- Sign up reviews and CIFAS reports - Ensuring that there are no true positive hits to any user that we have either previously onboarded or who are applying for a new account
- With the information and documents provided at sign up, making sure that they match KYC information as well as identifying fraudulent ID
- SME – As a senior Financial Crime specialist, a key role was to collaborate with other departments, colleagues and management alike
- Sharing best practice and offering guidance for complex cases, human trafficking and financial terrorist cases.
- Analysed complex datasets for improved decision-making processes.
- Collaborated effectively with cross-functional teams for successful project completion.
- Managed high-risk projects, ensuring safety compliance at all times.
- Facilitated productive team meetings, fostering a collaborative work environment.
Senior Fraud Officer
Lloyds Banking Group
10.2014 - 05.2021
- Investigate fraud claims, for both personal and business stakeholders, investigate scam cases from start to end, ensuring a fair and correct outcome is achieved for the customers in line with the bank's core values while ensuring all guidelines were being adhered to
- Verify customers and release payments, profile the caller and match information against what we know to be factual and what the caller is telling you
- Escalating any concerns to the relevant departments when for money laundering or financial crime indicators identified during the course of the interactions with customers
- Identifying vulnerable customers and offering additional support.
- Investigated fraud cases by conducting in-depth analysis of financial transactions.
- Identified fraudulent activities by closely monitoring financial trends and patterns.
- Uncovered instances of money laundering through meticulous investigation processes.
- Coordinated with other investigators to crack down on large-scale scams.
- Provided training sessions on fraud detection to fellow colleagues, boosting their investigative skills.
- Tracked suspicious online activities leading to identification of cyber criminals attempting identity thefts or phishing scams.
- Participated in inter-department meetings sharing insights from ongoing and concluded investigations, promoting transparency and awareness across all levels.
- Informed employees about common signs of fraudulent activity thereby increasing vigilance at workplace.
Education
Scottish Qualifications Certificate -
St Mungos Academy
Glasgow, Glasgow CitySkills
- Fraud detection
- Anti-Money laundering knowledge
- Regulatory compliance
- Risk management
- Data analysis proficiency
- Financial reporting
- KYC procedures
- Suspicious activity reports
- Transaction monitoring systems use
- Customer due diligence
- Effective communication
- Resilience under pressure
- Fintech understanding
- Risk assessment expertise
- Complex problem resolution
- Analytical reasoning
Custom
- Level 2 Modern Apprenticeship in Providing Financial Services
- ICA Certificate AML
- ACAMS Certificate in Fighting Modern Slavery and Human Trafficking
- Full and clean driving license held since 2003
References
References available upon request.
Timeline
Senior Transaction Monitoring Analyst
Santander Bank
09.2022 - Current
Senior Financial Crime Specialist
Monzo Bank
05.2021 - 09.2024
Senior Fraud Officer
Lloyds Banking Group
10.2014 - 05.2021
Scottish Qualifications Certificate -
St Mungos Academy
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