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rayha johnsonRJ
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rayha johnson

@rayhajohnson

I investigate AML and fraud risk to strengthen financial-services compliance.

United States
Message

I'm a financial-services compliance professional who has investigated fraud risk, reviewed investigative findings, and strengthened regulatory adherence across TD Bank, Varo Bank, and Bank of America.

At TD Bank, I conduct compliance reviews, monitor fraud operations, lead calibration sessions, and create training materials and manuals that address workflow deficiencies. Previously at Varo Bank, I monitored transactional activity, enhanced fraud detection models, and used Excel Pivot Tables and sampling methodologies to identify high-risk transactions.

At Bank of America, I investigated Treasury Management and retail banking fraud, drafted BSA/OFAC-compliant Suspicious Activity Reports, developed high-risk account sampling methodologies, and authored SOPs to improve investigative efficiency.

Experience

Work history, roles, and key accomplishments

Education

Degrees, certifications, and relevant coursework

West Chester University of Pennsylvania logoWP

West Chester University of Pennsylvania

Master of Science, Health and Physical Science

Master of Science in Health and Physical Science from West Chester University of Pennsylvania, completed in May 2015.

Lincoln University logoLU

Lincoln University

Bachelor of Science, Health Sciences

Bachelor of Science in Health Sciences from Lincoln University.

Tech stack

Software and tools used professionally

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