Summary
Work History
Education
Skills
Languages
References
Timeline
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THOMAS ADEJUBE

THOMAS ADEJUBE

Toronto,ON

Summary

An accomplished Financial Crimes Subject Matter Analyst with 10 years+ of banking experience covering end-to-end Transaction Monitoring, KYC Screening, SAR filling, Anti-Money Laundering Protocols, Fraud Detection, Risk Management ratings and application for different entities- Individuals, Retail and Corporate. I work, day to day with Actimize Workflow, versed using LexisNexis, and other Investigative environments. My use of MS Office tools, Visio, MS Project, and Database Searches competency is at experienced level.

Work History

AML / BSA Analyst

ICBC Bank Toronto
  • Conducted Know Your Customer (KYC) for the onboarding of new clients as well as periodic and trigger event reviews of existing clients
  • Review client documentation/information for sufficiency, accuracy and legitimacy
  • Reviewed and monitor clients’ accounts for potential matches to designated sanctions targets, PEP and prohibited persons list
  • Conducted due diligence searches in various third – party and internal databases
  • Independently conducted AML/ATF transaction monitoring event adjudication and investigation
  • Filed Suspicious Transaction Reports (STR’s) on clients when necessary while consistently exceeding quality and productivity targets with a 99% quality assurance score rating
  • Assisted in identifying any weaknesses of the AML systems and procedures of the Bank
  • Prepared and submitted weekly and monthly AML related reports
  • Conducted skilled AML research, risk assessments, reporting and analytical support in timely manner
  • Documented all information necessary for investigation and kept up-to-date all files in line with the policies and procedures
  • Investigated potentially suspicious activities arising from account surveillance or internal /external inquiries
  • Maintain current knowledge of AML and CTYF regulations.

Senior Financial Crime Investigation Officer

OFX
  • Conducted Enhanced Due Diligence (EDD) reviews on potential High-risk customer cases from various business lines and recommended clients for de-market, downgrade of risk level or to retain in AML program
  • Reviewed Further Investigations cases for accounts escalated due to Unusual Transaction Reports (UTR’s), Adverse media watchlist and System Generated Alerts on SAS
  • Filed Suspicious Transaction Reports (STR’s) on clients when necessary while consistently exceeding quality and productivity targets with a 99% quality assurance score rating
  • Proceeded to recommend for de-market client’s that had previous STRs and that exceeded OFX’s risk tolerance
  • Conducted Quality Assurance (QA) and coaching for STR’s and cases/alerts submitted by investigators for final review
  • Assisted manager with presentations to team members regarding AML processes and procedures as well as guidance related to data retrieval systems such as Accertify, Qunatexa and Onfido
  • Documented all information necessary for investigation and kept up-to-date all files in line with the policies and procedures
  • Used external systems such as LexisNexis and Worldcheck to review potential high risk customers for possible adverse media
  • Reviewed Production Orders from Law Enforcement related to Fraud, Theft, Tax Evasion, Money Laundering, Human trafficking, etc
  • And created manual alerts for any parties listed in the Production Order (PO)
  • Conducted end-to-end investigations on potential High-risk Clients named in Production Orders from various business lines and recommended to de-market or to retain client’s and related parties’ banking relationship(s)/products utilizing various OFX systems
  • Prepared narratives for STR to FINTRAC on Highs Risk client’s accounts that were deemed to corroborate the allegations stated in Production Orders
  • Provided new investigators with necessary system and procedures training.

AML Transaction Monitoring Officer

IBM Coinbase Inc
  • Conducted financial crimes risk management and mitigation at levels 1 and 2, as well as support filling out and filing SAR and CTR where applicable
  • Executed KYC onboarding, transaction monitoring and KYC review for new and existing clients
  • Interpret evidence from internal and external tools and systems to determine legitimacy of customer behavior across multiple financial activities
  • Carry out AML Due Diligence Screening involving different fraud typologies and trends aligning these with IBM Coinbase risk management strategy
  • Prepared and analyzed risk assessment of suspicious transactions and recommend dispositions where applicable
  • Assisted senior management in embedding AML compliance and its management in the culture of relevant Coinbase businesses and operations
  • Implemented AML, FATF sanctions and ABAC related parties ensuring compliance with AML/CTF requirement.

Clients and Marketing Programs Analyst

Skills for Change
  • Liaised with other departments to obtain client’s statistical data to maintain and update reports and databases on a regular basis
  • Organized information sessions
  • Implemented documentation of Client records and open positions using Microsoft suite and human resource applications such as Salesforce and CAMS
  • Developed awareness and knowledge of regulatory requirements, developments and industry best practices through participation in industry workshops and employment development initiatives.

Head Branch Services/Internal Control Officer

First Bank Ltd
  • Reviewed and examined investors’ financial trading activities (Individuals, Banks, Trust companies, Credit unions, Credit companies, Real estate companies, Pension funds, Securities brokers and other financial services and institutions) in accordance with the company’s compliance program and governing legislation and regulations
  • Participated in L1, L2 audit assessment and 3rd party audit as well as quality assurance and banking regulatory testing exercises
  • Reviewed investor files and periodic revision of clients’ files for final sign off by the chief compliance officer with high level participation in investigations and transactions monitoring
  • Conducted thorough customer due diligence, including risk rating of client accounts with recommendation outcomes to the client relationship managers, business units, investment managers and senior management
  • Ensured clients are not shell banks or acting on behalf of shell banks as defined by the AML/CFT Act 2011 as amended
  • Engaged in continuous sanctions and monitoring of clients, politically exposed persons (PEP) or PEP related individuals to ensure they are not on the company’s sanctions or OFAC sanctions list of prohibited persons, countries, territories
  • Coordination of branch operations and processing i.e customer service, cash management, Cards management and Fund transfers
  • Ensured that day to day branch operations are carried out within the Bank’s specified rules
  • Ensured that all internal accounts are balanced and updated and updated as and when due
  • Ensured that management’s programs for remediation, control and mitigation of risk is carried out at branch level.

AML/COMPLIANCE OFFICER

First Bank of Nigeria Ltd
  • Performed enhanced due diligence for new and existing high-risk client account of entities and individuals
  • Acted as a point of escalation for compliance-related questions from support teams
  • Reviewed high volume of unusual currency activity relating to payment and peer-to-peer comparison from AML compliance perspective
  • Conducted high-quality investigations of potentially suspicious activity on an account, by identifying transaction patterns, trends and typologies impacting uphold and its users
  • Assisted in the ongoing remediation of existing accounts to ensure continued compliance with Know Your Customer requirements.

Education

Certified Anti-Money Laundering Specialist -

01.2021

Master of Business Administration -

Obafemi Awolowo University
01.2008

B.Sc. Geography -

University of Ilorin
01.2000

Skills

  • Experienced knowledge using KYC Onboarding tools and AML Compliance Guidelines
  • Quality Control, Transaction Monitoring
  • Simplified, Enhanced and Special Due Diligence for low, high, and auto-high risk clients
  • Fraud Detection, Investigation and Reporting
  • Filling of SARs
  • Risk Ratings Generation and Application to Clients
  • Effective communication skills and report writing
  • Customer Service

Languages

English
Full Professional
English
Full Professional

References

Available on request.

Timeline

AML / BSA Analyst

ICBC Bank Toronto

Senior Financial Crime Investigation Officer

OFX

AML Transaction Monitoring Officer

IBM Coinbase Inc

Clients and Marketing Programs Analyst

Skills for Change

Head Branch Services/Internal Control Officer

First Bank Ltd

AML/COMPLIANCE OFFICER

First Bank of Nigeria Ltd

Certified Anti-Money Laundering Specialist -

Master of Business Administration -

Obafemi Awolowo University

B.Sc. Geography -

University of Ilorin

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