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N I M E S H P A T E L ~ 7556 E. Plateau Dr. Hanover, MD 21076 ~ 941-405-2938 ~ nimesh0509@gmail.com

S U M M A R Y

Compliance Officer with 8 years of experience in federal compliance regulations, fraud investigation, and risk management within the financial industry. Proven abilities in process improvement, process automation and compliance adherence resulting in continuous improvement. Experienced in strategic business planning, problem resolutions, and implementation of federal and banking process and procedures. Adept at new business development, relationship building, and contract negotiations for operational efficiency. Supervised team members, trained, mentored, and coached junior colleagues resulting in performance improvement. Proven leadership, team collaboration, research, and analytical skills.

T E C H N I C A L S K I L L S

§ Extensive knowledge of AML/BSA regulations, laws, policies, and requirement per the USA Patriot Act. § Experienced in EDD Remediation, Client Onboarding, Transaction Monitoring/Investigation, SAR

writing/filing, and complying with OFAC and FinCEN regulation. § Proficient with LexisNexis, Mantas, Actimize, World Check, and BRIO. § Proficient in Gap Analysis, Statistical Analysis, Financial and Accounting Software. § Microsoft Office Suite with proficiency in Macro-Excel.

P R O F E S S I O N A L E X P E R I E N C E

M&T Bank, Baltimore, MD 2013-Present (EDD) Enhance Due Diligence Senior Investigator § KYC Remediation, Client On Boarding, and Transaction Look -Back projects § Ensure all KYC/AML documents and information are complete and accurate. § Ensure due diligence reviews are undertaken to the required quality and detail on a timely basis. § Perform and review Customer Due Diligence (CDD)/Enhanced Due Diligence (EDD) investigations. § Assess risk-level of current and new customers and appropriately disposing/escalating. § Review and analyze OFAC and AML System alerts and creating detail investigation report. § Act as SME on Money Service Business (MSB). § Analyze trends for activities report and prepare various risk assessment summaries. § Test new operation procedures of BSA/AML for bank’s Compliance Management Program. § Support Analysts, Team Leads, and SMEs by increasing the understanding of Risk Based Approach. § Train, mentor, and coach new and junior colleagues for performance improvement. § Work effectively with key stakeholders using strong influencing skills to ensure mutually satisfactory

resolution of key issues and the respective responsibilities are understood and discharged.

JPMorgan Chase & Co. – Tampa, FL Jun. 2013-Oct. 2013 Global Security & Investigation (GS&I) § Analyzed and performed multiple investigations related to Check, Auto-Loan, and SSN Fraud. § Complied with GS&I policies and regulatory requirements of FinCEN and OFAC. § Dealt with highly sensitive and confidential information.

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§ Gathered and documented evidence by: tracing financial transactions, reviewing suspects' backgrounds and financial profiles, and KYC reports by using various systems and tools.

§ Finalized accurate investigations in strict set deadlines. § Wrote intensive case investigation report, SAR report, and filed SARs. § Communicated and worked effectively with key stakeholders, SMEs, and law enforcement officers. Citibank Group – Tampa, FL Feb. 2011-Jun. 2013 AML / FIU Investigations § Conducted Enhanced KYC Investigations in support of policies and procedures. § Accurately gathered, maintained and utilized data in various product databases. § Accumulated facts from the investigations to escalate to Senior Management and SMEs. § Conducted searches and analyzed: gathered data for anomalous activity, utilized Internet, commercial

databases, inquiries, and communicated with other investigative entities and Compliance Officers. § Evaluated, wrote, and filed Suspicious Activity Reports (SARs). § Conducted in-depth analysis on Transaction Monitoring, Currency Transaction Report (CTR), High Risk

Geography Wires, Check Fraud, and Transfers. § Responsible for collecting and evaluating the information and preparing well-written comprehensive reports § Mentored new-hires to ensure best-quality work is preformed. Stop & Shop - Western Union Agent – Ellenton, FL Nov. 2006-Aug. 2008; Aug. 2010-Feb. 2011 Manager § Monitored, reviewed, and recommended any AML and Suspicious Activities to Western Union. § Oversaw Western Union Money Transfer services as per required compliance policies. § Played a key role in launching the business by helping to secure bank loans and state licenses. § Trained, mentored, and coached employees on AML and FinCEN regulation and best practices. § Created personalized financial reports and risk analysis reports. § Oversaw up to $100,000 per week in check-cashing operations and Increase business sales. § Managed 4-5 team members. Mukunda Trading & Manufacturing Co. – India Apr. 2009-Mar. 2010 Assistant Manager § Analyzed financial accounts such as purchases, sales, expenses, banking and income tax, among others. § Created presentations and marketing materials related to assigned products. § Created gap analysis, personalize financial report analysis, and risk analysis report. § Prepared terms / conditions for contract negotiation according to client and supplier needs and demands. § Secured working capital loans for $400,000 (USD) / Rs. 21,000,000 (INR). Bank of America – Sarasota, FL Aug. 2008-Mar. 2009 Teller § Ensured compliance with Anti-Money Laundering (AML), Suspicious Activity Reports (SARs) and Bank

Secrecy Act (BSA). § Built and maintained relationships with customers, employees, vendors and others. § Educated consumer and business customers about a variety of financial products and services.

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E D U C A T I O N

B.S., Finance, University of South Florida – Sarasota, FL; Dec. 2007 A.A., Business, State College of Florida – Bradenton, FL; Dec. 2005

F I E L D R E L A T E D C E R T I F I C A T I O N

§ Bank Security Act (BSA) / Anti-Money Laundering (AML) for U.S.A. § Risk, Fraud, and Compliance Management § Office of Foreign Assets Control (OFAC) § Enhanced Due Diligence (EDD) Remediation Procedures § Know Your Customer (KYC) Procedures § Risk Management and Fraud Prevention § Regulatory Impacts on Customer Interactions § Information Security and Privacy Training