Lilit Tovmasyan-Chhabra
Senior FinCrime Specialist - Risk/AML/Fraud
Krakow
Summary
Watchful AML/Compliance Specialist ready to bring excellent analytical and investigatory skills to a new company. Adept at analyzing financial statements, bank records, and databases to identify fraud and other financial crimes. Skilled in detecting various types of money laundering and fraud patterns. Experienced in communicating with a wide range of people. ACAMS member.
Overview
6
6
years of professional experience
6
6
years of post-secondary education
4
4
Certifications
Work History
Senior Financial Crime Specialist - FIU Team
Revolut LTD
12.2022 - Current
- Independently reviewing unusual transactions detected by IT-based AML monitoring system and analyzing their economic background.
- Cooperating closely with the MLRO on reporting suspicious activity detected on users' accounts - both retail and business.
- Reviewing, investigating, and reporting money laundering cases on retail and business accounts.
- Acting as a point of contact for law enforcement agencies in ongoing criminal investigations that commenced from a submitted SAR.
- Acting in accordance with the written policies, procedures, and relevant legislation
- Cooperating with other teams in providing professional and efficient front line compliance support and seeking to improve the company’s processes
- Conducted thorough investigations of potential matches during sanction screening, ensuring accurate identification of true hits.
Senior Compliance Analyst - Transaction Monitoring
MoneyGram
08.2021 - 11.2022
- Performing retrospective transaction monitoring
- Performing CDD/EDD on consumer's profiles to evaluate inherent AML risk and where appropriate escalate cases to designated teams as required.
- Ensuring Transaction Monitoring procedures are carried out in line with AML laws, regulations, guidelines and company policies and procedures.
- Analyzing large amounts of data to find patterns of fraud and anomalies.
- Reviewing and analyzing leads for potential suspicious activity, including those generated from an alert detection processes, negative media reports, as well as other sources to include (but not limited to): identifying, researching and reporting suspicious activity.
- Thoroughly and timely reviewing reports and other investigative leads that potentially identify suspicious activity.
- Supporting managers, supervisors, and senior analysts in conducting moderately complex AML/Fraud investigations.
- Working with team members to determine whether to close cases, escalate findings and/or file a Suspicious Activity Report with various global regulatory, law enforcement or, Financial Intelligence Units globally.
- Writing and filing Suspicious Activity Reports and recommending relationship retention or termination.
- Conduct searches, gather data and record evidence from internal systems, the internet, commercial databases and enquiry with customers
- Performing PEP and Sanctions screening
- Documenting research findings to support risk-based decision-making and resolution to escalated fraud incidents
- Investigating fraud referrals and performed research to minimize risk and resolve inquiries
Financial Crime Specialist - Mid (Promoted)
Revolut Ltd
08.2019 - 07.2021
- Analyzed financial statements, bank records, and government databases to identify fraud and other instances of financial crimes.
- Identified assets of suspects in order to freeze and seize assets.
- Thoroughly investigated potential fraud reported by external banks and card issuers (Visa, Mastercard, AmericanExpress).
- Performed Transaction Monitoring on high risk accounts and reporting suspicious activity.
- Conducted multi-scope research into suspects to determine criminal activities and suspect operating environments.
- Consulted and cooperated with legal staff and police representatives to verify timely and efficient investigation completion.
- Preserved all evidence for court hearings and checked integrity of individual pieces.
- Gathered, assembled and preserved facts, statements and evidence concerning financial crime.
- Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.
- Determined customer risk ratings based on analysis and research findings.
- Interpreted evidence from multiple tools and systems to determine legitimacy of customer behavior.
- Conducted preliminary investigations to confirm violations that occurred and obtained relevant documents and testimony from involved parties.
- Analyzed financial statements, bank records, and government databases to identify fraud and other instances of financial crimes.
- Identified assets of suspects in order to freeze and seize assets.
- Cooperated and reported SAR to law enforcement authorities and other financial regulators.
Compliance Analyst
Revolut Ltd
08.2018 - 08.2019
- Conducting customer onboarding by collecting necessary information and ensuring fluent and efficient communication between customer and other teams in the company.
- Conducting KYC/KYB checks, background checks to assess any risks emerging from potential cooperation with the customer.
- Conducting CDD and EDD upon onboarding as well as during the cooperation with the client.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Advised Team Manager and QC Managers of thematic issues to incorporate best practices for future processes.
- Used transactional and customer records, external data and publicly available information to identify suspicious or unusual activity.
- Communicated negative findings to lines of business and supplied guidance on course of action.
- Conducted KYC formality reports on questionable accounts and transactions.
- Contacting consumers and requesting necessary KYC documents to perform background check.
- Assisting consumers with compliance-related issues.
Education
Bachelor of Arts - French Studies
Jagiellonian University
Krakow 10.2010 - 09.2014
Master of Arts - Cultural Studies
Jagiellonian University
Krakow 10.2015 - 10.2017
Skills
Financial Crime Prevention
Transaction Monitoring
Analytical Skills
Decision Making
Communication Skills
Enhanced Due Diligence
Filing SAR
Multitasking
Time management
Self-starter
Languages
English
Excellent
Polish
Excellent
French
Very Good
Russian
Very Good
Spanish
Good
Certification
AML Compliance in Practice: Suspicious Activity Reports
Timeline
ACAMS Certification in progress
03-2024
Senior Financial Crime Specialist - FIU Team
Revolut LTD
12.2022 - Current
Senior Compliance Analyst - Transaction Monitoring
MoneyGram
08.2021 - 11.2022
Cryptocurrency Financial Crime Compliance Bootcamp
02-2020
Anti-Money Laundering (AML) Business Risk Assessment
10-2019
AML Compliance in Practice: Suspicious Activity Reports
09-2019
Financial Crime Specialist - Mid (Promoted)
Revolut Ltd
08.2019 - 07.2021
Compliance Analyst
Revolut Ltd
08.2018 - 08.2019
Master of Arts - Cultural Studies
Jagiellonian University
10.2015 - 10.2017
Bachelor of Arts - French Studies
Jagiellonian University
10.2010 - 09.2014
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