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Antonio Perea

@antonioperea

Enhanced Due Diligence analyst specializing in fintech payment risks, regulatory interpretation, and cross-team remediation.

United States

Message

What I'm looking for

I seek a client-facing EDD/AML role in a collaborative compliance team where I can lead complex payments risk reviews, improve due-diligence frameworks, and mentor analysts.

I am an Enhanced Due Diligence (EDD) analyst with progressive experience at Silicon Valley Bank (First Citizens Bank division) and AML RightSource, focused on dissecting complex fintech business models, payment flows, and regulatory requirements. I serve as a client-facing subject matter expert who partners with fintech founders and internal stakeholders to interpret regulatory expectations, streamline due diligence workflows, and contribute to risk framework enhancements.

I have led cross-team and cross-bank reviews, managed and trained analyst teams, and developed training materials and review templates used in EDD and AI-enhanced due diligence standards. My background includes experience with KYC/CDD, sanctions screening, BSA/FFIEC/FinCEN considerations, and working across payments, MSBs, processors, lenders, and non-banking financial institutions.

Experience

Work history, roles, and key accomplishments

Current

Enhanced Due Diligence Analyst

Current

Silicon Valley Bank

Dec 2022 - Present (3 years 3 months)

Advanced EDD analyst for commercial payments portfolio, analyzing fintech business models and payment flows to ensure regulatory compliance and improving due diligence standards; served as SME for OBO/FBO flows and contributed to AI-driven EDD standards.

KYC Payments On Behalf Of Fintech Risk Assessment AML Regulatory Compliance Policy Development Training

KYC/CDD Team Lead

AML RightSource

Jan 2022 - Dec 2022 (11 months)

Led a team of 6 analysts performing KYC/CDD reviews for a UK bank, ensuring report accuracy, providing training and approving client database reports; earlier performed KYC/CDD onboarding for cryptocurrency commercial clients.

KYC Customer Due Diligence Team Leadership Reports Cryptocurrency Onboarding AML Training

Claims Processor

Lemonade Insurance

Feb 2021 - Dec 2021 (10 months)

Processed insurance claims, managed claim documentation and supported timely resolution of customer issues within defined SLAs.

Claims Processing Documentation Customer Service Case Management Microsoft Office

Private Investigator

Digistream Investigations

Mar 2018 - Sep 2019 (1 year 6 months)

Conducted investigative work including evidence collection and case reporting for civil and private investigations, supporting legal and client requirements.

Investigation Case Reporting Surveillance Interviewing

Education

Degrees, certifications, and relevant coursework

Dordt College

Bachelor of Arts, Criminal Justice and Psychology

2013 - 2017

Completed a dual-focus Bachelor of Arts program combining Criminal Justice and Psychology, emphasizing investigation, legal frameworks, and behavioral analysis.