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Luz Rhymer

@luzrhymer

I improve compliant banking client onboarding through KYC/AML diligence, documentation accuracy, and workflow optimization.

United States

Message

At Flagstar Bank, I led documentation and client onboarding operations, reducing documentation errors by 80% and improving processing speed by 60%.

I manage end-to-end KYC/AML documentation workflows, KYC refresh reviews, risk identification, and exception resolution in partnership with Legal, Risk, Compliance, Product, and Technology teams. I also trained offshore team members, improving compliance accuracy by 25% and reducing onboarding time by 30%.

Across 12+ years in financial services, including Bank of America, I’ve supported personal and small-business banking operations with a focus on audit readiness, accurate documentation, and efficient client experiences.

Experience

Work history, roles, and key accomplishments

Senior Documentation & Onboarding Specialist

Flagstar Bank

Apr 2021 - Sep 2025 (4 years 5 months)

Led and mentored Documentation Specialists, reducing documentation errors by 80% across the New Accounts department. Managed end-to-end client onboarding documentation workflows, including KYC refresh reviews, and partnered with Technology, Product, and Enablement teams to implement DocuSign workflows.

Documentation Specialist

Flagstar Bank

May 2018 - Apr 2021 (2 years 11 months)

Reviewed 20+ new account packages daily, performing KYC/AML due diligence, validating client documentation, identifying discrepancies, and escalating exceptions for resolution. Reduced documentation errors by 25% through improved quality checks and proactive review of exception reports.

KYC AML Documentation Review Risk Identification Exception Management Quality Assurance Audit Readiness

Sales & Service Specialist

Bank of America

Jun 2012 - May 2018 (5 years 11 months)

Opened and maintained personal and small business accounts while ensuring compliance with customer identification, documentation, and internal banking procedures. Collaborated with Treasury Specialists, Mortgage Loan Officers, and Merrill Financial Advisors to deliver integrated banking solutions.

Customer Identification Documentation Banking Operations Cross Selling Account Opening Compliance