Tony Williams

Led 300+ complex mortgage fraud investigations involving origination, occupancy, appraisal, servicing, REO, straw buyers, income misrepresentation, and potential money laundering. Uncovered complex fraud patterns and reconciled allegations with factual evidence, enabling timely escalation to legal, compliance, and regulatory stakeholders.

Investigated 350+ complex fraud and AML alerts annually using Actimize and Archer, analyzing transactional data and investigative evidence. Identified suspicious activity, initiated SAR recommendations and formal escalations, and maintained accurate alert disposition and documentation.

Analyzed cryptocurrency transaction activity, KYC data, external tools, and customer behavior to investigate automated monitoring alerts and referrals. Assessed escalation needs and recommended SAR filing when activity met suspicious-activity thresholds, maintaining complete regulatory documentation.

Provided team guidance on AML, sanctions, anticorruption, BSA, USA PATRIOT Act, and OFAC requirements; supported KYC onboarding and EDD. Participated in enterprise risk assessments, compliance reviews, internal audits, and regulatory examination support.

Led a team of 8 fraud and AML investigators responsible for detecting, investigating, and escalating financial crime and suspicious activity. Increased investigator productivity 75% through workflow optimization, targeted coaching, QA improvements, and performance management.

Managed investigations across fraud, AML, KYC, customer due diligence, and transaction monitoring while providing regulatory guidance and compliance oversight. Developed fraud risk controls, supported executive risk reporting, and contributed to transaction-monitoring tools and financial crime prevention strategies.

Directed investigative reviews of suspicious account activity using internal systems, commercial databases, OSINT, and law-enforcement resources. Prepared SARs, investigative summaries, and account retention/restriction/termination recommendations; partnered with legal, compliance, business units, and law enforcement.

Investigated fraud and AML alerts through transaction monitoring, account activity, and customer behavior analysis; identified suspicious fund flows and complex account relationships. Authored investigation reports, SAR recommendations, and referrals while consistently exceeding service-level expectations.

Performed operational risk assessments, compliance examinations, control testing, and RCSA reviews; evaluated fraud controls and credit-card fraud monitoring. Presented practical risk and compliance recommendations to senior leadership and business stakeholders.

Led underwriting team for mortgage lending operations.

Underwrote mortgage loans, ensuring compliance with lending guidelines.

Underwrote mortgage loans, ensuring compliance with lending guidelines.

Underwrote mortgage loans, ensuring compliance with lending guidelines.

Underwrote insurance policies, assessing risk and ensuring compliance.

Underwrote mortgage loans, ensuring compliance with lending guidelines.

Specialized in transaction risk management, analyzing and mitigating potential risks.

Certified Anti-Money Laundering Specialists (CAMS) candidate, expected completion in 2026.

Completed the AI Governance: The Fundamentals of AI Governance course in September 2026.

Bachelor of Business Administration (BBA) from University of Texas at Arlington, completed in 2009.

Certificate in Risk Management.

Completed the Ultimate Guide to Money Laundering and AML Compliance course.

Master of Business Administration (MBA) from University of Phoenix, completed in 2012.