Summary
Overview
Work History
Education
Skills
Timeline
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Maria Hernandez

Summary

Professional with over 6 years experience in AML roles within banking and remittance sectors. Through my professional career I have developed extensive knowledge in Regulatory Compliance, Reputational Risk and Client Due Diligence/ Know Your Customer (KYC), Sanctions and Counter Terrorist Financing. Experienced at conducting research and analysis as well as monitoring and reporting transactional activity to ensure compliance with the government regulations . Highly ethical team player with a productive and diligent approach perusing new opportunities.

Overview

10
10
years of professional experience

Work History

Senior AML Analyst

Commonwealth Bank
07.2021 - Current
  • Currently working on SG CEM project (self-generated child exploitation material): Conducting investigations on potential suspicious transaction alerts effectively and preparing Suspicious Matter Reports (SMRs) to regulatory bodies when warranted.
  • Performing investigation of Hhgh-risk matters including but not limited to national security, threat to life, child exploitation matters, modern slavery, drug trafficking, serious and organized crime, money laundering and fraud
  • Escalating any potential suspicious matter to Business Unit by providing comprehensive investigation reports detailing findings and recommendations.
  • Actioning Business Unit decisions (Maintaining or Exiting the customer)
  • Providing training and guidance to junior analysts on investigative procedures

AML/CTF Operations. Financial Crime Analyst

Commonwealth Bank
11.2019 - 07.2021
  • Comprehensive system knowledge of CBA and Bankwest platforms including the management of multiple work streams such as performing full ECDD (Model, re-reviews, TM, etc.) and KYC response reviews.
  • 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 , structuring of funds and other potential risks for the bank.
  • Investigated source and destination of funds to ascertain legitimacy of funds and its use, from account level investigations to customer level investigation and linked counterparts.
  • Documented the analysis by referencing key facts identified during the review process and providing appropriate recommendations based upon the research, KYC response or previous senior/BU's determinations.
  • Ensured compliance with bank and regulatory policy identifying the need of further actions and escalating where necessary.
  • Participated in different projects as well as providing training and guidance to new team members.
  • Successfully worked within tight deadlines and a fast-paced atmosphere as well as the ability to make decisions and solve problems rapidly by following SOP.

Onboarding Integration Project

Shaw and Partners Limited
08.2019 - 10.2019
  • Integrated the book of clients and ensured all client details were accurately updated in all relevant systems (back office, online trading platform).
  • Updated the account's risk score after developing a risk assessment to each client according to the company's AML Program.
  • Reviewed account opening documents for all types of clients (Individuals, Companies, Trusts, Associations..) and reported any discrepancy.
  • Shared relevant information regarding any client accounts with premium client managers in a timely manner.

Customer Service Team Member

Woolworths
07.2017 - 10.2018
  • Helped customers complete purchases or refunds, locate items and join reward programs to promote loyalty by delivering friendly service and knowledgeable assistance.
  • Received constant training to identify and report suspicious matters such as purchases with stolen cards and counterfeit notes.
  • Requested official identification for tobacco purchases and verified details, consistently meeting strict legal standards of underage sales.
  • Counted cash in register drawer at beginning and end of shift.

Legal Compliance Analyst

Viamericas Corporation
05.2014 - 07.2016
  • Monitored and analysed alerts concerning patterns and trends associated with money laundering and terrorist financing as well as other potential risks related to the company.
  • Developed periodic suspicious activity reports (SAR) to the IRS (Internal Revenue Service) after analysing the transactional activity of the company's agencies located in different states of USA.
  • Monitored transactions on "Hold", requested KYC to the remitter and released the transactions to the payer once all relevant information was completed.
  • Participated constantly in the improvement of policies, procedures and controls of the AML\CTF program and successfully solved customer complaints when it was necessary.
  • Formulated detailed recommendations based on audit findings to support annual planning and definition of goals.

Education

Course - Data Management in Excel

University of Medellin
Medellín, Antioquia
2016

Bachelor of Administrative Studies - International Business

Catholic University Luis Amigó
Medellín, Antioquia
2015

Skills

  • Integrity
  • Excellent communication and interpersonal relationships
  • Problem Solving
  • Meticulous attention to detail
  • Risk Assessment
  • Customer profiling
  • Team work
  • Proactive and reactive thinking
  • Proficiency in Microsoft Office

Timeline

Senior AML Analyst

Commonwealth Bank
07.2021 - Current

AML/CTF Operations. Financial Crime Analyst

Commonwealth Bank
11.2019 - 07.2021

Onboarding Integration Project

Shaw and Partners Limited
08.2019 - 10.2019

Customer Service Team Member

Woolworths
07.2017 - 10.2018

Legal Compliance Analyst

Viamericas Corporation
05.2014 - 07.2016

Course - Data Management in Excel

University of Medellin

Bachelor of Administrative Studies - International Business

Catholic University Luis Amigó

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Maria Hernandez