Katherine Marquess

As the BSA/AML analyst I am responsible for making decisions on sanctions related to lines of business referrals including wire payments, international ACH transactions (IAT’s) and client onboarding.

• Conduct thorough investigations of possible BSA/AML and OFAC risks, including research, interviews, data collection and compilation of evidence to support findings
• Ensure thorough and complete documentation of all information found through these investigations are stored and available to law enforcement and internal departments as needed and work directly with these agencies to follow up on ongoing investigations
• Throughout the year I also assist with BSA/AML audits and exams and ensure the corrective action plans as directed by the BSA Officer are adhered to
• Conduct research and analyze options for compliance with regulatory requirements and recommend possible solutions/actions to mitigate identified risks
• This allows me to also provide ongoing input into development of training programs/aides based on gaps identified through interaction with company’s Lines of Business
• Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
• Strengthened AML compliance by conducting thorough risk assessments and monitoring transactions.

• As a Fraud Investigator, I was responsible for investigating fraud alerts generated from the Fraud Solution Verafin
• Utilized analytical skills and seasoned judgement to create an environment that balanced compliance while minimizing fraud loss exposure
• Performed comprehensive analytical reviews of multiple suspect transactions including plastic card activity, new account activity, commercial member activity and suspect lending activities
• My position required conducting complex reviews and decisions relating to fraudulent applications, transactions and claims some of which were not clearly defined by set policies and procedures and required a high level of communication and collaboration with multiple departments within the company
• Timely detection and first level investigation of Fraud risk exposure through in-depth research and analysis of high-volume suspect transactions as generated by applicable monitoring system
• Worked directly with office, branch, and law enforcement personnel during investigations including providing general step-by-step knowledge, reoccurring comprehensive support, positive feedback and timely consultation on alternatives
• Daily activities included collecting pertinent case evidence including claim documentation, video recordings, member activity logs, lending documents, commercial account documents and member interviews, which I then analyzed to identify fraud trends and proactively take actions to improve efficiency and minimize loss
• During my time as a Fraud Investigator, I have worked with internal teams to come with action plans to address corrective and preventative measures to mitigate risk and enhance transaction monitoring along with ensuring deadlines are met and follow ups are completed in a timely basis
• Performed detailed background checks on individuals suspected of fraudulent activity to gather critical information needed for successful investigations.
• Provided exceptional customer service to clients affected by fraudulent activities, addressing their concerns while maintaining compliance with regulatory guidelines.

• As an Operations Support Specialist, I acted as liaison between member-facing employees and internal payment and operations departments
• Notified management of any issues or concerns that need to be escalated for technical resolution to internal technical departments
• Communicated employee training opportunities to branch and call center supervisors as applicable
• Escalated complex inquiries to the appropriate individuals and departments; track resolutions and communicate back to the original inquirer
• Poses a deep technical understanding of and ability to troubleshoot complex problems related to digital banking, including web browsers and related configurations (cookies, cache settings, privacy settings, versions, etc.), mobile devices, related operating systems and applications (Android, Apple, etc.)
• Excels in the ability to listen, use reflective listening, and communicate clearly in a professional manner on the phone, in person or via email or chat using proper etiquette
• Respond to emails, chats and calls in a phone queue with expected service levels and guidelines
• During my time in Operations Support, I have had the opportunity to work on several special projects including onboarding PPP Loans in the Spring and Summer of2020
• Performed administrative duties and prepared operational procedures to assist operations support manager.
• Streamlined operations by identifying inefficiencies and implementing process improvements.

• As UMRS, I was responsible for servicing all existing members as needed as well as providing guidance and product knowledge to new and prospective members, business and personal
• I was also responsible for taking loan applications and offer support to our lending services department as needed
• As a UMRS I also provided support to our teller operations including, managing a teller pod, assisting with vault needs, and supporting ATM functions
• I worked closely with my Supervisor and Branch VP to ensure all Service Goals and KPIs were being met and exceeded
• Self-motivated, with a strong sense of personal responsibility.
• Worked effectively in fast-paced environments.

• As the Personal Banker at my branch, I was responsible for servicing all existing account relationships as needed as well as providing guidance and product knowledge to new and prospective members
• I was responsible for taking all loan applications, assisting with document collections and also closing the loan during the final stage
• I also served as the backup Vault Custodian for our Lead Teller, during which time, I was responsible for balancing, buying and selling to/from tellers, balancing the ATM and creating shipments out of the vault to our money service vender
• I worked closely with my Branch Manager to ensure all Service Goals and KPIs were being met and exceeded

• While working as a Loan Processor, I was responsible for initial intake of loan applications, I also carried the loan through underwriting and closing as the point of contact for the borrower
• I was responsible for clearing conditions in order to finalize underwriting requirements and obtaining clear to close authorizations
• I worked with VA, FHA, Fannie Mae, and In House Loans, including refinances, HELOCS, and First and Second Mortgages
• I am knowledgeable in TILA, RESPA, and HUD requirements

• As the Assistant Branch Manager, I was responsible for overseeing the daily operations of the Retail Branch
• I coordinated and oversaw all regulatory compliance training for all associates within my branch
• I took applications for Mortgages, Home Equity Loans and Lines of Credit and was responsible for clearing conditions during the underwriting process for those loans as well as closing the loans

• I was responsible for performing account maintenance/servicing for all consumer and business customers
• I exceeded all sales standards and actively participated in mentoring fellow associates to achieve their sales goals and the overall branch goals
• I was also a peer coach to other Relationship Bankers in my district, with the focus on bringing all Relationship Bankers to their fullest servicing potential

• During my time at Regions, I acted as a mentor for my division, I was responsible for leading group meetings, training programs and was responsible for training new hires into my division
• I maintained a thorough knowledge of Retention Services and managerial authorizations and was responsible for keeping with Federal Regulations pertaining to outbound calling, data collecting, and Patriot Act compliance
• I also prepared documents for internal data bases and scripting for our Outbound marketing Calling Campaigns

• I was responsible for coordinating and monitoring the bank's daily compliance in accordance with the Bank Secrecy Act policies and procedures
• I served as the contact for business customers and assessed their Online Banking needs