LUIS CELAYA
BSA/AML Compliance Analyst
San Diego
Summary
Accomplished and detail-oriented BSA/AML Compliance professional seeking a Senior or Supervisory role within a financial institution. Skilled in analyzing complex financial transactions, detecting suspicious activity, and ensuring full regulatory compliance. Adept at leading teams, managing risk, and optimizing compliance strategies. Eager to leverage extensive experience in BSA/AML compliance and fraud detection to contribute to the continued success and integrity of an organization's compliance program.
Overview
11
11
years of professional experience
9
9
years of post-secondary education
1
1
Certification
Work History
Senior AML/BSA Compliance Analyst
California Coast Credit Union
01.2023 - Current
- Monitored daily transactions and activities to detect potential money laundering or suspicious activity, ensuring full compliance with BSA/AML regulations
- Reviewed and prepared Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs), submitting them in compliance with federal regulations
- Reported suspected Elder Financial Exploitation to local county Adult Protective Services (APS) as mandated under California law
- Collaborated with the compliance team to conduct internal investigations on high-risk accounts, analyzing transaction patterns for any red flags
- Assisted in the development and enhancement of compliance programs, including staff training and regulatory updates
- Provided regular reports and updates to senior management on compliance status, including any potential risks or regulatory concerns
- Actively stayed updated with changes in BSA/AML regulations and financial crime trends, ensuring the credit union remained in full compliance
BSA Analyst
San Diego County Credit Union
03.2022 - 12.2022
- Monitored fraud alerts using BSA/AML & Fraud software (Patriot Officer) and collaborated with operations teams to investigate potential fraud
- Reviewed and analyzed large volumes of debit card, credit card, online banking, wire transfers, and ACH transactions to detect fraudulent activity
- Prepared Suspicious Activity Reports (SAR), Currency Transaction Reports (CTR), and Monetary Instrument Logs (MIL)
- Performed regular monitoring of OFAC and FinCEN Watchlists, ensuring compliance within prescribed timelines
- Collected, analyzed, and reported statistical data on BSA and OFAC compliance for the Risk & Compliance Manager
- Maintained up-to-date knowledge of the Bank Secrecy Act (BSA) and related anti-money laundering (AML) and OFAC regulations
Operations Specialist
LPL Financial
07.2021 - 01.2022
- Monitored accounts below program funding requirements and tracked missing documentation for account terminations
- Processed fee adjustments, including cycle changes, terminations, rep changes, conversions, and billing corrections
- Assisted with fee and termination inquiries, coordinating with internal departments on account opening, trading, compliance, and performance
- Processed fee postings, manual batch tickets, and custom billing while ensuring accurate batch processing
Vendor Relations Specialist
PCV Murcor Real Estate Services
08.2019 - 07.2021
- Negotiated with real estate appraisers to assign and complete appraisal reports on commercial and residential properties nationwide
- Managed communication with appraisers and banks to ensure timely and accurate completion of appraisal tasks
- Collaborated across departments to ensure all appraisal reports were thorough and met deadlines
Event Coordinator
UCR Extension - Arts Department
10.2015 - 12.2018
- Organized and participated in events showcasing UCR Arts students' talents, engaging the local community and city officials
- Coordinated events for the monthly Arts Walk in Riverside and weekend programs highlighting various UCR departments
- Worked alongside UCR's Jazz Department to organize and perform at events, promoting the university's music programs
Cashier
Chipotle
06.2016 - 09.2016
- Managed cash transactions, deposits, and withdrawals while providing excellent customer service
- Assisted in preparing cold and warm food items, ensuring quality and hygiene standards
- Performed janitorial tasks to maintain cleanliness and hygiene in the restaurant
Dining Worker
UCR Dining Services
10.2015 - 04.2016
- Managed cash transactions and food preparation in dining halls and food trucks, catering to a large student population
- Assisted in cleaning and maintaining dishware and dining areas during peak hours
Security Guard
Elite Show Services
06.2014 - 08.2015
- Provided security at various venues throughout San Diego, including Qualcomm Stadium, Petco Park, and the Convention Center
- Assisted guests by directing them to seating areas and ensured their safety throughout events
- Managed incident reports and followed up on customer complaints, ensuring resolution and follow-through
Education
Bachelor of Arts - Music & Culture
University of California, Riverside
Riverside, CA 09.2014 - 06.2019
High School Diploma - undefined
Steele Canyon Charter High School
Spring Valley, CA 08.2010 - 06.2014
Skills
- BSA/AML & Fraud Risk Analysis
- Suspicious Activity Reporting (SAR) & Currency Transaction Reporting (CTR)
- Regulatory Compliance Audits & Investigations
- Elder Financial Exploitation Reporting (California APS Mandates)
- Statistical Data Analysis & Reporting
- Cross-functional Team Collaboration
- Strong Communication & Problem-Solving
- Know Your Customer (KYC) Compliance
- Customer Due Diligence (CDD) & Enhanced Due Diligence (EDD)
Certification
Certified Anti-Money Laundering Specialist (CAMS), 02/01/25
Additional Information
Proficient in Microsoft Office Suite (Excel, Word, PowerPoint), Knowledge of Verafin (AML software), Knowledge of Symitar/Jack Henry Credit Union products, Knowledge of Patriot Officer (AML software)
Timeline
Senior AML/BSA Compliance Analyst
California Coast Credit Union
01.2023 - Current
BSA Analyst
San Diego County Credit Union
03.2022 - 12.2022
Operations Specialist
LPL Financial
07.2021 - 01.2022
Vendor Relations Specialist
PCV Murcor Real Estate Services
08.2019 - 07.2021
Cashier
Chipotle
06.2016 - 09.2016
Event Coordinator
UCR Extension - Arts Department
10.2015 - 12.2018
Dining Worker
UCR Dining Services
10.2015 - 04.2016
Bachelor of Arts - Music & Culture
University of California, Riverside
09.2014 - 06.2019
Security Guard
Elite Show Services
06.2014 - 08.2015
High School Diploma - undefined
Steele Canyon Charter High School
08.2010 - 06.2014
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