Elisa Samantha Samuel
Burlington
Summary
Highly motivated and results driven RBC Financial Crimes professional with outstanding analytical, critical thinking, investigative and communication skills. Leveraging these skills along with my hardworking disposition, positive attitude and quick ability to learn, will contribute to the team's success and the organization's continued excellence.
Overview
11
11
years of professional experience
1
1
Certification
Work History
AML HRC Analyst - Caribbean Banking
RBC Royal Bank
01.2024 - Current
- Conduct enhanced due diligence reviews on RBC Caribbean high-risk clients, and complete risk assessments for Senior Management review and approval
- Complete AML and Anti-Terrorist Financing (ATF) analyses and provide Key Risk Indicators for the purpose of mitigating financial, regulatory, reputational and legal risk to RBC for higher risk RBC Caribbean banking clients
- Conduct in-depth and thorough investigations by gathering and analyzing information using advanced and RBC approved investigative methods, RBC applications/systems and open-source searches to assess if a client presents a higher level of AML regulatory or reputational risk to the Bank.
- Assign an appropriate risk rating and risk segment classification(s) to Caribbean Personal and Commercial Retail Banking clients in accordance with RBC’s risk rating methodology.
- Prepare high-quality written reports for Senior Management, Business Representative and RBC Compliance review and approval that effectively communicate my review findings and recommendations
- Ensure that all matters are escalated appropriately as required within defined timelines and in accordance with RBC policies and procedures.
Investigator, CIS
RBC Royal Bank
04.2022 - 12.2023
- Case management and investigation of fraudulent activity, incidents and allegations on behalf of our RBC Branches, Fraud partners, AML, external Law Enforcement and RBC Financial Crimes ensuring completion with accuracy and timeliness.
- Fulfillment of end-to-end assigned files which includes the gathering, analysis and evaluation of documents and on account transactions with a focus on asset recovery, loss prevention and intelligence gathering in the areas of credit fraud, deposit fraud, fraud against clients, internal investigations
- Apply advanced financial crime investigative procedures to a wide range of case types and large amounts of information to produce comprehensive and accurate investigation findings in a clear and concise manner with the use of EXCEL financial models and expertly written decisions and summaries
- Prepare legal and investigation documentation, presenting findings and making recommendations to management
- Develop and maintain a detailed understanding and expertise of all processes, forms and templates that could be used during a CIS investigation – (ie: CIS Major Investigation Plan, Internal Investigation Reports, Prosecution briefs for Law Enforcement that can be used as resources to reduce criminal activity against RBC).
Intake Bilingual Investigator, CIS
RBC Royal Bank
09.2019 - 04.2022
- Provide front line response, counsel and processing of inquiries and information directed to Corporate Investigation Services (CIS) to defend RBC against fraud and financial criminal activity.
- Acts as the first point of contact for counsel on referrals from RBC staff, Law enforcement and other FIs regarding fraud-related events to mitigate financial, regulatory and reputational risk to RBC customers, employees and physical assets
- Open alerts and cases and assign to the appropriate party based on established guidelines and the identification of urgent events to take appropriate action
- Utilize an established network of internal partners, external peers (in the industry) and law enforcement to be used as a resource against reducing criminal activity against RBC
- Research and respond to law enforcement/OFI inquiries for fraud concerns, financial crime matters and statement verifications.
Bilingual Fraud Analyst – Kiting, Client Monitoring
RBC Royal Bank
07.2017 - 08.2020
- Review a high volume of alerts from multiple workstreams using various RBC systems and applications to deliver error-free assessments of potentially fraudulent activity in accordance with established SLA’s
- Complete multifaceted and layered fraud investigations from initial analysis to determine fraud type classifications through to decision making and resolution
- Collaborate with service partners to efficiently mitigate fraud risk and losses when applicable for the recovery of funds
- Provide detailed, clear and concise verbal and written advice communications to business units and senior management outlining activity, risk associated, and recommendations pertaining to client relationships (i.e.: demarket or maintain client with controls/restrictions in place)
Bilingual Fraud Officer – Claims Review & Investigation
RBC Royal Bank
02.2014 - 07.2017
- Detects fraudulent activity by analyzing and identifying transactions and takes appropriate action to mitigate negative client impact and experience
- Utilize depth of fraud knowledge and related problem-solving skills to assist in the prevention and detection of potentially fraudulent transactions/activity
- Deliver accurate and compliant decisions to clients following the conducting of thorough and in-depth interviews with clients, branches and service partners to determine the outcome
- Identify and escalate fraud trends to mitigate client impact and operational risk and aid in the development, implementation and improvement of best practices and policy amendment/change
Education
Bachelor of Arts - Law, Sociology
Carleton University
Ottawa, Ontario06.2005
Diplôme d'études collégiales (DEC) - Liberal Arts Program
Cégep Vanier College
Montréal, Québec06.2002
Skills
- Analytical and critical thinking
- Investigation
- Risk analysis
- Attention to detail
- Report writing and documentation
- Information gathering
- Open-source research
- Case and file management
- Microsoft office
- Financial Statement Analysis
- Interviewing
Languages
English
Native or Bilingual
French
Native or Bilingual
Certification
- Fraud Examination and Forensic Accounting - Coursera/University of West Virginia - June 2023
- CAMS Certification Training - ongoing - 2025
Timeline
AML HRC Analyst - Caribbean Banking
RBC Royal Bank
01.2024 - Current
Investigator, CIS
RBC Royal Bank
04.2022 - 12.2023
Intake Bilingual Investigator, CIS
RBC Royal Bank
09.2019 - 04.2022
Bilingual Fraud Analyst – Kiting, Client Monitoring
RBC Royal Bank
07.2017 - 08.2020
Bilingual Fraud Officer – Claims Review & Investigation
RBC Royal Bank
02.2014 - 07.2017
Diplôme d'études collégiales (DEC) - Liberal Arts Program
Cégep Vanier College
Bachelor of Arts - Law, Sociology
Carleton University
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