IRENE MARSCHALL-MINTZ
Cambridge,ON
Summary
Experienced financial crime and compliance professional with over 20 years of experience in Canadian banking, financial investigations, anti-money laundering (AML), regulatory compliance, and risk assessment within major financial institutions including Scotiabank, TD Canada Trust, Royal Bank of Canada, and Sun Life Financial. Currently serving as a Financial Crimes Investigator at Scotiabank, conducting complex AML investigations, transaction monitoring, sanctions reviews, KYC assessments, STR filings, fraud investigations, escalation reviews, and compliance analysis to identify and mitigate financial crime risks. Proven ability to analyze qualitative and quantitative data, assess emerging risks, collaborate with stakeholders, and support regulatory compliance initiatives in highly regulated environments.
Overview
28
28
years of professional experience
Work History
Financial Crimes Investigator
Scotiabank
10.2025 - Current
- Conduct complex anti-money laundering (AML) and financial crime investigations involving suspicious transactions, sanctions screening, fraud indicators, and high-risk client activity.
- Perform transaction monitoring, KYC reviews, enhanced due diligence (EDD), and risk-based assessments to identify potential money laundering, terrorist financing, and regulatory compliance concerns.
- Prepared and supported Suspicious Transaction Reports (STRs) to ensure compliance with FINTRAC reporting obligations and internal procedures.
- Collaborated with Special Investigation Unit (SIU), compliance teams, internal stakeholders, and senior investigators to facilitate escalations and manage high-risk investigations.
- Analyze structured and unstructured financial data to identify trends, anomalies, emerging risks, and suspicious patterns requiring further investigation.
- Utilized Oracle, NAVAERA, Intralink, Microsoft Excel, and Microsoft Office Suite for investigative analysis, case management, and regulatory reporting.
- Participate in team-based investigative projects focused on mitigating financial crime risk and strengthening compliance controls.
Financial Associate
Sun Life Financial
01.2022 - 01.2024
- Conducted investigative reviews, identifying emerging AML and compliance risks to inform risk management strategies.
- Supported financial compliance and risk management initiatives, enhancing regulatory adherence and mitigating risks.
- Maintained current knowledge of AML trends, regulatory obligations, and compliance best practices.
- Strengthened client relationships while ensuring compliance with internal controls and confidentiality protocols.
Financial Associate
Arete Financial
01.2019 - 01.2022
- Analyzed financial information and customer activity to support compliance monitoring and investigative reviews.
- Collaborated with financial institutions and internal stakeholders to resolve compliance and service-related concerns.
- Prepared comprehensive reports and documentation using Excel and financial reporting tools to enhance compliance oversight.
- Assessed emerging risks and vulnerabilities in AML operations, supporting development of targeted mitigation strategies.
Financial Advisor
Royal Bank of Canada
01.2017 - 01.2019
- Fostered strong client relationships and upheld high ethical and professional standards, contributing to client retention and satisfaction.
- Delivered financial guidance while ensuring adherence to banking regulations and internal policies, enhancing client trust.
- Conducted AML-related compliance reviews, identifying financial irregularities to mitigate risks and uphold regulatory standards.
Financial Advisor & Investigation Officer
TD Canada Trust
01.1998 - 01.2017
- Provided strategic financial guidance while maintaining compliance with banking and regulatory standards.
- Conducted financial investigations and supported fraud prevention initiatives, analyzing financial statements, reports, and account activity to identify irregularities.
- Strengthened internal controls by recommending policy and procedural improvements that enhanced compliance in financial investigations.
- Collaborated across departments to facilitate investigative reviews and improve risk mitigation strategies.
Investigation Officer (FSWEP Program)
Government of Canada
01.1999 - 01.2000
- Conducted investigative and analytical reviews of departmental reports, budgets, and employment equity initiatives to inform decision-making.
- Supported human resources investigations and assisted management with data analysis and reporting to enhance recruitment processes.
- Conducted thorough investigations into alleged violations of government regulations.
- Collaborated with law enforcement agencies to gather relevant evidence and testimonies.
- Analyzed data and documentation to identify patterns in fraudulent activities.
Education
ACMAS -Currently Pursuing 2026
05-2026
Bachelor of Arts (Honours) - Criminology – Minor in History
Wilfrid Laurier University
Certificate in Global Crime and Justice -
Wilfrid Laurier University
Certificate in Ethical Conduct for Research (TCPS2) -
Wilfrid Laurier University
Skills
- Anti-Money Laundering (AML)
- Financial Crime Investigations
- Risk Assessment & Risk Mitigation
- Transaction Monitoring
- Suspicious Transaction Reports (STRs)
- Enhanced Due Diligence (EDD)
- KYC Compliance
- Regulatory Compliance
- Sanctions Screening
- Investigative Analysis
- Financial Intelligence
- Trend Analysis
- Escalation Management
- Microsoft Office & Excel
- Oracle
- NAVAERA
- Intralink
Languages
- English
- Croatian
- Serbian
Timeline
Financial Crimes Investigator
Scotiabank
10.2025 - Current
Financial Associate
Sun Life Financial
01.2022 - 01.2024
Financial Associate
Arete Financial
01.2019 - 01.2022
Financial Advisor
Royal Bank of Canada
01.2017 - 01.2019
Investigation Officer (FSWEP Program)
Government of Canada
01.1999 - 01.2000
Financial Advisor & Investigation Officer
TD Canada Trust
01.1998 - 01.2017
ACMAS -Currently Pursuing 2026
Bachelor of Arts (Honours) - Criminology – Minor in History
Wilfrid Laurier University
Certificate in Global Crime and Justice -
Wilfrid Laurier University
Certificate in Ethical Conduct for Research (TCPS2) -
Wilfrid Laurier University