Sheila R. Jones1202 W. Camp Wisdom RdDuncanville, Texas 75116

469-254-8293/sheila.jones50@outlook.comQUALIFICATIONS

• Mortgage- Experience in mortgage processing, LP, DU, FHA Connection, All income calculations, Knowledge of FMNA

guidelines, FHLMC guidelines, FHA guidelines, appraisal review, LP, DU, CAIVRS, audit control, ,bankruptcy,

HMDA, Forensic Auditing.• EDD/Compliance- •SARS Filing to FINCEN, SARS Monitoring Alerts Yellow Hammer-BSA

symitar’s enterprise application; Detica/Norkom, CERS, HALO-Alerts; FSD-Financial Desktop (Cash transfer, All customer info); AS400; IVAULT; FTMONT-wiring transfer info, Liberty, Patriot Officer, Lexis Nexus, Google Search, FCRM Financial Crime Risk Management, Navigator, Web Director, LIS, Loan Portal, Omni Conditions

• Compliance- •SARs Filing to FINCEN, SARs Monitoring Alerts Yellow Hammer-BSA symitar’s enterprise application;

Detica/Norkom, CERS, HALO-Alerts; FSD-Financial Desktop (Cash transfer, All customer info); AS400; IVAULT;

FTMONT-wiring transfer info, MetaVante, Liberty, Patriot Officer, Lexis Nexus, Google Search, FCRM-Financial

Crime Risk Management, Navigator, Web Director, LIS, Loan Portal, Omni Conditions.

• Sales - Experience in sales of bank cards products and was top sales performer by achieving 150% of sales goals.

Ranked 28 out of 650 sales representatives for 3 years straight selling telecommunications products

Won top sales trip 3 years in a row in telecommunications.

• Management - Supervised 10 or more people at a time, and managed ATMs in 3 major cities: Kentucky, Midwest, and

Texas.

• Payroll - Experienced in People Soft by keeping track of over 3500 employees.

Ability to process and mail out yearly W2s for all employees for the YMCA

Processed hiring and terminations papers

• Reconciliation -Experienced in reconciling multiple bank statements for 45 branches.

• Project Management -Wrote a 100 page manual on "How to Process Mail for Accounts Payable Department" and the

manual is still in place today.

• Collections- Experience in collections for bank cards for commercial and consumer auto accounts.

• Accounting- Over 15 years of experience in accounting acting as a negotiator for potato prices, purchase order

facilitator.

Summary of Work Experience02/16-06/2016 Discover Financial Services Columbus, OH /Contract with Robert Half

AML Investigator

 Responsible for reviewing automated and manual referrals of Discover Bank clients and accounts for unusual activity. -

Receiving and investigating escalations from AML Analysts based upon manual and automated monitoring referral channels to

determine whether potential suspicious activity is present.

Making recommendations related to the reporting of suspicious activity through SARS to FINCEN.

Conducting enhanced customer due diligence, transaction activity reviews, and negative media searches and documenting

findings in accordance with approved policies and procedures

Independently researching internal and external source systems to determine whether activity appears usual and expected for

specific customers/accounts

Preparing Suspicious Activity Reports (SARS) and other written investigative/intelligence products to support judgments, and

recommendations.

Construct a robust written narrative to support investigations in accordance with strict quality standards

Leveraging additional external resources available for investigative purposes, including bank personnel contact, direct client

contact, 314(b) information sharing requests, Law Enforcement contact, etc. to aid in the investigative decision-making process

Ensuring accounts and/or customers are referred to the Banks SAR team appropriately in situations where the Investigator is

recommending a SAR be filed

Thoroughly and clearly documenting NON-SAR decisions in accordance with Discover Bank policy and regulatory expectations

Actively participating in internal and external training opportunities, team and departmental meetings, and industry peer groups

in order to maintain advanced awareness of AML risk, industry standards, policy & procedure changes, etc. 

Providing constructive feedback to AML Analysts with respect to the quality of case escalations, trends and issues, or best

practices in order to assist in the continued development of the alert analysis process

Communicating clearly, both written and verbally, with individuals in and outside of Discover (e.g. fraud teams, collections

teams, Law Enforcement, individuals at other Financial Institutions, etc.)

Responding in writing and verbally to urgent requests from Management with the utmost expediency

Promote a risk-aware culture, ensure efficient and effective risk and compliance management practices by adhering to required standards and processes.08/15-12/15 Recovco Mortgage Dallas, TX

Fraud Research Analyst

Conducted credit analyses using advanced methods and tools of aggregated data provided by lendersclients of the organization, or other sources of dataReviewed and understood large sets of data; and used analytical capabilities to derive patterns and concentrations of fraud risk Examined risk elements of proposed deal, purchase, or existing relationship with a client and made recommendations to management regarding continuing to closure, or additional credit enhancements needed to make deal more acceptable Conducted difficult investigations of suspected or alleged mortgage fraud and/or other suspicious activities to include: loan servicing (e.g. short sale, modification), foreclosure, Real Estate Owned, and loan origination (loan application) fraud schemes, as well as possible money laundering activities Made recommendations for new policies to minimize fraud and control other risks more effectively. Researched value frauds and patterns, initiated and contributed to new tools for detecting value-related fraud.

01/15-06/15 Standard Charter Bank/ Contract with Allsec Tech Irving, TX

AML Investigator Supported and conducted the examinations of transactions across regions linking up pockets of suspicious activity.Knowledge of correspondent banking, and ability to detect Red flags such as: Repatriations of funds, Structuring, Round dollar, Inconsistent address, Activity Burst, Nigerian Structuring, Nested Correspondence, , MSB, Shell Companies, High Risk Jurisdictions, Irregular business patterns, High Risk Business, Typologies, Adverse Information, Sanctions Entities, unidentified Entities. Specialized with International wire transfers, clearing USD dollars thru SCB NY branch correspondence relationships with other financial institutions or registered MSB. Possessed the ability to assess risk as well as adverse risks to Managers, multi-cultural awareness and sensitivity.Experienced of FCC and business activities in the US.Monitored High Risk jurisdictions, Detections scenarios, and cleared Alerts.Validated transactions monitored for structuring and wires in and out of High Risk GeographiesAssisted project with look backs and business as usual (BAU) casesPrepared and filed Suspicious Activity Reports (SAR) with FINCEN; Partnered with law enforcement, IRS, banks, and other agencies for case resolution and disposition.Escalated high risk correspondent banking wires, cash (structuring), PEPs, and MSB like activity cases requiring SAR filing or further due diligence.Reviewed cases to ensure proper risk classification, grading of business and consumers. Evaluated case assessments for evidence of AML /BSA program violations.Lead person over a staff of 10 which included assisting with difficult files and training when new updates was implemented.

08/14-09/14 Deval LLC Dallas, TX

Mortgage File Analyst ConsultantResponsible for reviewing post closed mortgage loan documentation for compliance and accuracyReviewed loan files to insure compliance with all state and federal lending regulations Compared closed loan parameters to investor and portfolio product guidelines Recognized non-compliance issues and effectively communicated these to the appropriate parties Identified and verified exceptions within files and prepared reports and findings in a clear and concise manner

10/14-11/14 Wendy Davis Campaign Dallas, TX

Deputy Field Organizer ConsultantWalked different neighborhoods and knocked on doors to inform registered voters about the early voting times and places. Called registered voters to remind them to vote and asked if they wanted to volunteer,Placed signs in yards of registered voters.

03/12-04/14 Bank of America Dallas, TX Contract with Disys

Underwriter-In Line QA Analyst Consultant

Perform QA/QC auditing in Default-Servicing/Underwriting. Ensure compliance is assessed for government procedures &

guidelines of (FNMA & FHLMC) are adhered in regards to Loss Mitigation loansProvide analytical & administrative support within the internal control dept. Performed auditing of underwriters by “passing” or “failing” loans that are reviewed for modification (i.e. FHLMC, FNMA, HAMP & Non-HAMP programs) ensuring the borrower receives the best loan modification via DU & LP systems

Special project for SCRA loans.

Anti-Money Laundering Analyst Identified and investigate potential suspicious activityConducted investigation, and made recommendations based on findings Assisted with the development of Policies and Procedures to ensure compliance of AML requirements applicable in a global financial business environment Reviewed activity for adherence to the AML program, as part of the client on-boarding process or ongoing monitoringConducted online research for information and articles related to AML the Bank Secrecy Act (BSA), and other globalRegulationsDecided on the final disposition whether the alert should be promoted to open a case and possibly file a SAR or suppress the alert to review at a later date

7/11 -11/11 National Bankruptcy Services Dallas, TXLoan Processor Collected and processed mortgage applications and documentation prior to final phase of underwriting loans   Assisted clients that was in foreclosure and bankruptcy over the phoneAssisted clients with payments history and arrearsOffered options to bring the account current, such as deed in lieu

09/08 - 03/10 Sprint Nextel Inc. Ft. Worth, TX

Business Premier Specialist Processed business orders for cellular service and assisted customers with their billsRefunded accounts for late fees, overage on minutes and incorrect plan changesOffered plans that fit customer needsProcessed repair tickets when neededReceived 100% customer service issues resolved for 9 months straight

05/07- 01/08 Triad Financial North Richard Hill, TX

Senior Loan ProcessorManaged loan applications with pending conditionsReturn calls to buyers within 24 hours Review appraisals Prepare loan documents to be reviewed by underwriter

Effective oral and written communication skills 2006/2007 K&G Men’s Company Inc. Dallas, TX

Head CashierAssisted customers by processing their purchases and returns Counted the beginning balance in register and the closing balances Prepared the deposits for the bank Effective oral and written communication skills Processed and tagged the new clothes Inventoried the store monthly

10/03 - 01/07 Citi Bank Irving, TX

Fraud Research AnalystConducted credit analyses using advanced methods and tools of aggregated data provided by lenders,clients of the organization, or other sources of dataReviewed and understood large sets of data; and used analytical capabilities to derive patterns and concentrations of fraud risk Examined risk elements of proposed deal, purchase, or existing relationship with a client and made recommendations to management regarding continuing to closure, or additional credit enhancements needed to make deal more acceptable Conducted difficult investigations of suspected or alleged mortgage fraud and/or other suspicious activities to include: loan servicing (e.g. short sale, modification), foreclosure, Real Estate Owned, and loan origination (loan application) fraud schemes, as well as possible money laundering activities Made recommendations for new policies to minimize fraud and control other risks more effectively. Researched value frauds and patterns, initiated and contributed to new tools for detecting value-related fraud. Lead personal of a staff of 15 to 20 people.

EducationDallas Baptist University Dallas, TX B.A., Applied Accounting Mountain View College Dallas, TX A.A., Business and Management