# Shy Towers

> Experienced AML Compliance Analyst | Expert in Investigations, Risk Management, and Regulatory Adherence | Dedicated to Financial Integrity

Location: New York City Metropolitan Area, United States
Profile: https://flows.cv/shy

As an accomplished AML and Compliance Analyst, I bring a wealth of experience in navigating the complexities of financial regulations and safeguarding against financial crime. My expertise spans conducting thorough investigations, crafting comprehensive SARs, and employing advanced AML tools to manage and mitigate risks associated with high-risk customer accounts. Known for my analytical acumen and dedication to continuous learning, I thrive in dynamic environments where precision and adherence to regulatory standards are paramount. My career is marked by a proactive approach to compliance, a keen eye for detail, and a steadfast commitment to upholding the integrity of financial systems.

## Work Experience
### EDD Risk Compliance Analyst @ Stellar Bank
Jan 2023 – Jan 2024
Collaborated with branch operations managers for RFIs sent on high-risk customers. Identified, assessed, and escalated potential AML risks associated with higher-risk customers and businesses. Managed and reviewed complex financial transactions to ensure compliance with EDD risk regulations
Conducted EDD reviews for high-risk customers and worked with law enforcement to ensure BSA/AML and Sanctions compliance. Provided detailed written analysis of EDD requirements for high-risk clients. Performed transaction analysis in Verafin on high-risk clients for risk rating adjustment. Transition analysis included full scope and modified reviews. Provided risk rating recommendations
Managed and optimized activity monitoring processes to ensure compliance with EDD risk regulations
Experienced in using banking systems to analyze transaction data and identify potential EDD risk non - compliance issues
Leveraged expertise in Government Regulatory procedures to ensure the organization's adherence to EDD risk rules and regulations.
EDD investigations included, CLEAR, negative news, and Google searches, bookkeeping (subpoena searches), full narrative of the customers banking behavior, reviewing the customers CDDQs, reviewing previous SARs, etc.

### AML Compliance Analyst @ TRELIANT RISK MANAGEMENT SOLUTIONS, LLC
Jan 2021 – Jan 2024

### Compliance Analyst @ Citizens Bank
Jan 2022 – Jan 2023
Operated OFAC desk and responded to real-time wire transfers for OFAC-related hits. Assisted the BSA AML Officer in preparing, updating, and maintaining the OFAC risk assessments. Coordinated with Paying & Receiving department to ensure timely release of wires alerted for OFAC
Verified shipping vessels (wires)

### Transaction monitoring (cryptocurrency) Team Lead @ Coinbase
Jan 2021 – Jan 2022
Oversaw compliance-related Cryptocurrency and AML transaction alerts world wide. Investigated and escalated potentially suspicious activity across various typologies that included : flow through crypto/fiat activity, keywords, IP hits, blockchain screening, high volume outliers, privacy coins, etc. Knowledgeable in various crypto exchanges, Dark net markets, private unlabeled wallets, and crypto addresses
Managed audits and reviews, determined areas of non-compliance, and designed appropriate procedures to rectify identified issues.

### AML Transaction Monitoring Analyst @ USAA
Jan 2020 – Jan 2021
Managed Negative News and PEP screenings. Conducted complex alert and case investigations. Assessed customer risk rating and performed enhanced due diligence reviews. Documented EDD review findings efficiently and accurately. Conducted periodic customer reviews.

### AML Transaction Monitoring Analyst @ Citi Bank
Jan 2018 – Jan 2020
Analyzed transactional data, wrote and filed SARs
Reviewed client account activity and conducted regulatory screenings. Documented rationale and supported program-wide investigations. Conducted KYC screenings and performed quality assurance reviews.

### Money Laundering Investigator III @ Capital One Finance
Jan 2017 – Jan 2018
Performed Customer Due Diligence and managed CTR pipeline. Wrote and filed Suspicious Activity Reports. Managed and ensured compliance with Bank Secrecy regulations during the evaluation of high-risk accounts
Utilized case management software to track and manage risk compliance issues and ensure timely resolution
Reviewed monetary instrument purchases alerts. Investigated and assessed alerts related to potential bank fraud and money laundering risks.


## Education
### Cyfrin Updraft

### Bachelor in Business, Management, Marketing, and Related Support Services
Texas A&M University


## Contact & Social
- LinkedIn: https://linkedin.com/in/shy-towers-a07a64318

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Source: https://flows.cv/shy
JSON Resume: https://flows.cv/shy/resume.json
Last updated: 2026-04-07