Andrew Williams450 Island Road, Ramsey, NJ 07446

C: (973) 652 – 5009 / H: (201) 962 – 8748Email: awilliams0487@gmail.com

SUMMARY:An ACAMS member, with a high proficiency in AML, KYC, EDD, CIP, OFAC, USA Patriot Act, criminal investigations, and Bank Operations. Eight years of banking experience within Bank Operations Compliance, Sales, and Customer Service. Computer software applications include: LexisNexis, Dow Jones/Factiva, MS Access, MS Excel, MS Word, SPSS software, STARR, Lotus Notes, and several commercial banking programs.

EMPLOYMENT:Spencer Savings Bank, Elmwood Park, NJ – August 2014 to PresentAML Investigator II

Responsible for oversight and management of the AML Software system, addressing alerts, conducting investigations and updating case management tracking reports. Also investigates AML issues and concerns reported by other Bank personnel. Communicates and works with Business Units to understand and resolve AML investigations

Perform simple to complex investigations using data from Bank’s systems and other internal and external sources, to determine through transaction analysis and customer information if account transactions patterns are indicative of suspicious activities.

Recommend course of action based on the analysis and writes Suspicious Activity Reports (SARs) when applicable. Perform continuous monitoring of accounts identified as having unusual activity or suspicious activity and re-files SARs

periodically according to BSA requirements and Bank procedures. Collect data, compiles documentation and develops supporting records for investigations; documents and reports the

investigation findings in the case management system, and maintains digital and/or physical case files. Perform analysis of High Risk and Exempt accounts and prepares account profiles for required periodic reviews. Maintain

High Risk and Exempt customer files. Work on as needed basis with external vendors of AML applications, and provides quality assurance testing of the product,

troubleshooting of potential issues and trend-spotting. Assist in the administration of the automated AML applications; assigns user roles/permissions within the AML Monitoring

system, the CIP system, and the BSA e-Filing system, and provides training to any support staff as needed. Communicate AML policies and procedures to internal staff and business Units as needed. Provides support as it relates to

AML issues and other compliance matters to the AML Coordinators and branch staff as requested. Identify weaknesses in Bank policies and procedures and recommends improvements Prepare reports to management as required.

J.P. Morgan Chase, Brooklyn, NY – September 2013 to August 2014Compliance Analyst

Investigate customers who have been alerted as a high/reputational risk to J.P. Morgan Chase due to negative media. Responsible for the review, system input and triage of internal referrals of suspicious customer activity.   Evaluated high risk accounts and activity by utilizing a variety of analytical techniques, computer systems such as Portfolio

Analyzer, Halo, Fortent, FSD applications and search engines such as LexisNexis, Google, etc. Review and recommend the closure of customer accounts. Position reports to the AML Operations and List Screening Operations Manager.  Review PSAR referrals from branch personnel to ensure each customer complies with AML rules and regulations. Under business PSAR team, I review business customers who have been alerted by branch personnel for activity inconsistent

from normal business behavior. Conduct system testing and case review for newly implemented Mantas team. Follow Corporate AML Compliance responsibilities to protect the organization and to fulfill the Bank's regulatory

requirements. 

Lynch Law Firm, Hasbrouck Heights, NJ – March 2013 to August 2013

References available upon request

Paralegal

Drafted legal correspondents such as arbitration statements and settlement letters. Performed billing duties such as followed up on settlement payments, updated claim amounts in case file according to

treatments billed by providers, and corresponded with providers billing departments on case statuses. Corresponded with various law firms on case matters, adjourning hearings, and followed up on case documents. Covered reception duties.

Kelly Financial Resources/TD Bank, Mahwah, NJ – August 2011 to June 2012AML Analyst - Consultant

Performed a variety of money laundering detection related activities in support of Anti-Money Laundering (AML) regulations designed to prevent financial-related crimes.

Researched customer information to identify potential issues, and report results to other internal areas. Performed due diligence to ensure that accounts comply with company policies as well as KYC regulations and requirements. Compiled, analyzed, and reviewed AML procedures and KYC requirements. Analyzed customer transactions. Researched and verified customer transaction details to evaluate if activity is commensurate with the nature of the account

and information provided through public resources. Reviewed potentially suspicious wire transfer activity to high risk countries, verified KYC information for clients, and

reviewed transaction activity for consistency with stated purpose of client account and flow of funds analysis. Evaluated high risk accounts and activity by utilizing a variety of analytical techniques, computer systems such as Citrix Star,

and search engines such as LexisNexis, Dow Jones Factiva, etc. Worked independently with minimal supervision, inside a team environment, plan and prioritize daily workload to meet

Department objectives and effectively communicate with staff to obtain information needed for supporting documentation and reports.

Premiere Response, New Providence, NJ – February 2011 to August 2011Customer Service Representative

Answered inbound calls from customers who inquire about their product warranty. Replied to customer emails about product and warranty information. Sorted documents for warranty determination. Made determinations of customer warranty claims. Viewed and updated excel reports. Performed administrative task.

TD Bank, Saddle Brook, NJ - October 2007 to November 2008Teller

Executed customer transactions in both the main lobby and drive-thru window. Executed vault protocol, including cash management, safe deposit logbook entry, and vault security. Completed Suspicious Transaction Reports Worked with commercial customers and monitored their accounts within the branch. Performed due diligence on customer accounts. Shut down branch operations at the end of business hours.

Greater Alliance Federal Credit Union, Paramus, NJ - March 2006 to April 2007Teller

Executed member transactions in both the main lobby and drive-thru window. Cross- sold branch promotions to members. Assisted teller supervisors with counting and securing cash intake.

ADDITIONAL EXPERIENCE:Passaic County Prosecutor’s Office, Totowa, NJ - September 2009 to August 2010

References available upon request

Intern/Volunteer

Shadowed and observed detectives of the Major Crimes Unit through their daily criminal investigations and assist in ongoing criminal investigations.

Visited and monitored the Medical Examiners Office, and the Passaic County Sheriff’s Department (Crime Scene Investigations Unit).

Entered case codes in investigation log books.

SKILLS:

Familiar with Microsoft Office, SPSS software and several commercial banking programs. Review and draft legal documents.

EDUCATION:Fairleigh Dickinson University, Teaneck, NJ

Petrocelli College of Continuing StudiesParalegal Studies Program- Certified Paralegal January 2014

Montclair State University, Upper Montclair, NJBachelor of Arts - January 2010Major: Justice Studies w/ Concentration: Justice SystemsMinor: Justice and Family

Memberships:Member of ACAMS (The Association of Certified Anti-Money Laundering Specialist)

References available upon request