Olatunde F. Williams

• Leading and monitoring a team of 24 investigators, supporting FIU and High-Risk Investigation programs for Tier-1 financial institution clients.
• Conducting quality control reviews of complex investigations, including cases resulting in Suspicious Transaction Reporting (STR) filings and No-Further-Action (NFA) decisions, and ensuring compliance with FINTRAC requirements and procedural standards.
• Validating ML/TF indicators for Reasonable Grounds to Suspect (RGS) are appropriately identified and established, supported by sufficient facts and context.
• Reviewing case files and transactional data to ensure all reportable transactions are identified, documented, and submitted in a timely and accurate manner.
• Acting as a primary escalation point for complex, high-risk, or sensitive cases, providing expert guidance on investigative scope, and risk mitigation actions.
• Delivering value-added feedback to investigators, strengthening investigative quality, narrative clarity, and consistency across the program.
• Collaborating with QA, Compliance, and client stakeholders to identify procedural gaps, recommending enhancements, and improving investigative efficiency.
• Supporting investigations involving court orders and criminal-related requests, ensuring proper handling, confidentiality, and documentation.
• Prepare and analyze weekly productivity and performance metrics, contributing to continuous improvement and risk management objectives.
• Training and mentoring new hires on STR requirements, investigative methodologies, and system applications including SAS, Oracle, and internal platforms.
• Setting performance targets, assessing team capabilities, and consistently building a strong risk-awareness culture aligned with enterprise expectations.

• Transaction monitoring of assigned accounts to assess potential red flags and typologies such as money laundering, terrorist financial, fraud and drafted Suspicious Activity Reports (SARs) to FINCEN, ensuring regulatory accuracy, clarity, and timeliness.
• Conducted complex AML and financial crime investigations on high-risk customers, assessing transactional behavior, customer profiles, and adverse information.
• Performed Enhanced Due Diligence (EDD) using internal systems, transactional analysis, and open-source intelligence.
• Prepared comprehensive case files documenting investigative rationale, findings, and outcomes.
• Bitcoin Transaction Analysis: Analyzed transactions on a P2P platform as a part of Bitcoin team to detect red flags such as money laundering, gambling, fraud, account takeover, elder financial exploitation, among others.
• Applied critical thinking and pattern detection techniques to identify complex and non-obvious financial crime activity.
• Supported second-level reviews and FIU escalations by providing detailed analysis and investigative insights.
• Achieved 98% quality score in investigation, while consistently completing 25 SARs weekly.

• Transaction monitoring of assigned accounts to assess potential suspicious activities such as money laundering, fraud, etc.
• Identified data anomalies as they related to AML initiatives, AML/BSA regulations, and industry best practices for AML/BSA analysis
• Assisted other members of the Compliance Unit, data management efforts, and other company employees to maintain and implement the most effective means of meeting the company's AML and other transaction analysis and reporting requirements
• Worked effectively with multiple complex data sources and technical analytical tools/resources.
• Identified potential gaps and assisted with creating and providing required developmental training and advice to more than 10 junior analysts and also provided support on more complex cases
• Worked and contributed to a team-oriented and collaborative environment to improve the analytical and reporting processes
• Adhered to and complied with all applicable, federal, and state laws, regulations, and guidance, including those related to Anti-Money Laundering (i.e. Bank Secrecy Act, USA PATRIOT Act, etc.), as well as adhering to company policies and procedures and client requirements
• Performed other duties as assigned.

• Gather information from taxpayers and research possible responses or solutions to accurately respond to their enquiries
• Provide explanations and/or clarifications to taxpayers over the telephone in response to enquiries concerning the filing and processing of Individual tax returns
• Explain various social programs administered by the CRA and make appropriate referrals
• Perform various calculations on taxpayer's accounts and inform the taxpayer of the findings
• Contact may be required with taxpayer representatives or with officials of other agencies.
• Calculated premiums and established payment methods for sales.

• Managing incoming calls from customers by following the Company's First Impressions – greeting in a warm manner, acknowledge the customer and their reason for calling, authenticate the customer, resolve the issues; and leave Lasting Impressions
• Responding to customer queries on billing, price plan inclusion and changes, internet data usage and overage, hardware/phone upgrades, network and phone issues, one-time payment and other products and services; and always aiming to address queries the first time the customer is calling about it
• Coping with possible stressful and challenging situations with customers by practicing self-control always
• Troubleshooting basic technical issues like phone hardware, network, voicemail, data, voice, text messaging, internet or access to the company's website
• Documenting customer's queries, information and resolutions given accurately to ensure continuity of support in the future.

• Hired to examine client data and assign appropriate risk scores to create accurate customer, and transactional activity profiles
• Assisted in due diligence review, planning, executing, and evaluating internal audits
• Responsible for reviewing compliance risk assessment across the lines of business to identify and assess high risks from securities, and banking regulations
• Worked as part of a team of AML investigators responsible for performing AML local and foreign currency clearing, AML credit card fraud, and terrorist financing investigations on correspondent banks
• Prepared clear and concise suspicious activity reports identified by data anomalies related to AML regulations, initiatives and Industry best practices
• Projects: Updated risk assessments across lines of business to reflect regulatory and business changes, as well as the impact of audit, and compliance testing.
• Final quality control specialist on private and wholesale banking background investigation reports to ensure compliance with Global Due Diligence standards, while conducting periodic internal account and customer reviews to identify potential suspicious criminal activity.

Accomplishments:

Reduced number of backlog cases by creating training modules to train new analysts on the bank's AML policies and procedures, including best practices when conducting research.

• Report on all qualifying transactions processed in line with existing Economic & Financial Crimes Commission (EFCC) limits.
• Interacted with relevant business unit and relationship managers regarding missing information.
• Performed investigations in response to internal transaction monitoring system referrals or events detailing suspicious activity.
• Analyzed transactional and customer records in compliance with the Bank Secrecy Act.
• Identified patterns and trends consistent with activity such as money laundering, terrorist financing and fraud and flagged any suspicious activities detected.
• Prepared suspicious activity reports.
• Reviewed, investigated, and analyzed high risk client accounts to detect and prevent money laundering, fraud, and terrorist financing.
• Worked effectively with complex data and analytical tools and resources.
• Assessed customer level of risk to determine if potential legal, regulatory or reputational risks were posed to Keystone Bank and recommended exiting the relationships of those that posed as a high risk.
• Performed in – depth investigations, retain case documentation, and provide analysis of findings.
• Projects: Managed and escalated caseload of all low, medium, and high-risk complex KYC and AML information gathering and respond to all onboarding and remediation activities.
• Reported all qualifying transactions processed in line with Economic & Financial Crimes Commission (EFCC) limits to the right regulatory office and law enforcement office.
• Maintained the highest level of confidentiality with all the customers’ information obtained.

Accomplishments:

• Represented the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and co-workers.
• Completed AML products and services investigations ahead of schedule, and to the overwhelming satisfaction of regulators.
• Increased investigator case output by 15% by developing a best practice guide designed to reduce false positives and identity trends that allow for a quicker case disposition.