Open to opportunities

Maria Arciniegas

@mariaarciniegas

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I investigate financial crime risk through AML, fraud, and compliance reviews.

Zimbabwe

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What I'm looking for

I'm looking for an AML, fraud risk, or compliance role where I can investigate suspicious activity, strengthen quality assurance, support regulatory requirements, and contribute to accurate, risk-based case decisions.

I've supported AML and compliance work at BNY Mellon, Banco Santander International, Morgan Stanley, Citibank, Wells Fargo, and Verizon. I conduct Enhanced Due Diligence investigations, review high-risk customer activity, identify documentation gaps, and escalate suspicious activity when appropriate.

My work spans transaction monitoring, fraud investigations, KYC/CDD, OFAC screening, SAR support, quality assurance, and regulatory compliance. I focus on accurate case documentation, customer risk assessments, internal controls, and audit-ready processes.

Experience

Work history, roles, and key accomplishments

Budgeting & Compliance Analyst

Verizon

Mar 2024 - Aug 2026 (2 years 5 months)

Reviewed financial and operational data for compliance and risk. Maintained documentation supporting internal controls and audits, and partnered with cross-functional teams to improve compliance processes.

Compliance Risk Assessment Internal Controls Audit Support Microsoft Office

AML Compliance Specialist

BNY Mellon

Dec 2022 - Aug 2023 (8 months)

Conducted Enhanced Due Diligence (EDD) investigations on high-risk customers, reviewing profiles, transactional activity, and documentation to assess AML risk. Performed quality assurance reviews of case documentation and prepared detailed investigative narratives.

AML Investigations Enhanced Due Diligence Transaction Monitoring Quality Assurance Risk Assessment Case Documentation Regulatory Compliance

Regulatory Fraud Risk Analyst

Banco Santander International

Jun 2022 - Dec 2022 (6 months)

Investigated suspicious account activity, fraud alerts, and potentially fraudulent transactions. Conducted transaction analysis and customer risk reviews, and reviewed investigations for quality and accuracy before final submission.

Fraud Investigation Transaction Monitoring Risk Assessment Quality Assurance Regulatory Compliance Case Documentation

AML Compliance Business Analyst

Morgan Stanley

Jun 2021 - Sep 2021 (3 months)

Performed AML investigations, KYC/CDD reviews, and sanctions screening. Reviewed customer documentation and maintained regulatory records.

AML Investigations KYC Sanctions Screening Regulatory Compliance

AML Compliance Analyst

Citibank

Jul 2018 - Mar 2020 (1 year 8 months)

Conducted transaction monitoring and Enhanced Due Diligence investigations. Reviewed high-risk customer accounts for suspicious activity and supported SAR investigations and regulatory compliance efforts.

Transaction Monitoring Enhanced Due Diligence AML Investigations Regulatory Compliance

Personal Banker

Wells Fargo

Sep 2015 - Jul 2018 (2 years 10 months)

Opened consumer and business accounts while ensuring KYC/CIP compliance. Identified unusual account activity and escalated concerns, maintaining compliance with banking regulations.

KYC Compliance Customer Service Banking Regulations