Jessica Thomas

About

With a strong foundation in accounting from Strayer University, I have built a robust career in financial crime prevention and data analysis. My recent role as a Financial Crimes Fraud Specialist at Regions Bank involved enhancing communication with external agencies and conducting comprehensive reviews of customer transactions to identify potential financial crimes. Prior to this, I served as a Sr. Claims Analyst at Bank of America, where I designed fraud detection strategies and analyzed large datasets to improve risk assessment processes. My experience also includes roles at the University of Alabama at Birmingham, Wells Fargo, and State Farm, where I honed my skills in data processing, fraud investigation, and payment plan management. My expertise lies in developing actionable insights, improving internal controls, and ensuring compliance with regulatory standards, contributing significantly to strategic risk management and financial stability.

Experience

• Financial Crimes Fraud Specialist · Regions Bank11-01-2023 – 08-01-2024

  Acted as a liaison between the company and external agencies, enhancing communication on fraud cases and investigations, which supported effective financial planning and compliance. Conducted comprehensive reviews and analyses of customer transactions and activities, identifying potential financial crimes and contributing to strategic risk management. Monitored and analyzed transactional data for suspicious activities, unusual patterns, and potential violations of BSA/AML and OFAC regulations. Developed detailed reports and dashboards to provide actionable insights for senior management, improving financial performance monitoring and decision-making. Achieved a 99% accuracy rate in data entry, streamlining reporting processes and supporting efficient financial analysis and reporting. Collaborated with cross-functional teams to improve internal controls and identify potential vulnerabilities in the company's systems and processes. Provided administrative support for compliance-related projects and initiatives. Oversaw the implementation of AML and KYC policies, including customer identification programs (CIP) and risk-based approaches. Conducted comprehensive customer due diligence (CDD) and enhanced due diligence (EDD) to assess risk and verify customer identities. Performed regular risk assessments and audits to identify potential vulnerabilities and ensure adherence to AML/KYC procedures. Prepared and filed Suspicious Activity Reports (SARs) in accordance with regulatory requirements.

• Sr. Claims Analyst · Bank of America01-01-2022 – 09-01-2023

  Designed and implemented fraud detection strategies, incorporating financial modeling techniques to reduce losses and improve risk assessment processes. Utilized advanced analytical tools and techniques to identify patterns and trends in fraudulent behavior. Analyzed large datasets to identify trends and vulnerabilities, enhancing forecasting accuracy and contributing to budgeting efforts. Possessed strong analytical skills and utilized data analysis techniques to identify patterns, trends, and anomalies that may indicate fraudulent activities. Possessed expertise in detecting and preventing fraudulent activities, such as identity theft, debt & credit card fraud, and check fraud. Conducted thorough risk assessments and vulnerability analyses to enhance fraud prevention controls. Prepared detailed reports and presentations for senior management and regulatory bodies, summarizing findings and recommending corrective actions. Oversaw and mentored junior fraud analysts, providing guidance on investigative techniques and fraud prevention strategies. Managed the fraud prevention program, including the development and enforcement of policies and procedures. Monitored and analyzed transaction activity to detect and investigate suspicious behavior.

• Data Processing Specialist 1 · University of Alabama at Birmingham03-01-2021 – 08-01-2022

  Processed and managed patient data from various Tele-ICU systems, ensuring accuracy and compliance with healthcare regulations such as HIPAA. Efficiently entered and updated patient information in electronic health records (EHR) systems, ensuring up-to-date data for clinical teams. Analyzed trends and patterns in patient data to assist healthcare providers in decision-making processes, enhancing patient care outcomes. Provided technical assistance to healthcare professionals in navigating EHR systems and resolving data processing issues. Ensured all data processing activities adhered to federal and state healthcare regulations, including maintaining patient confidentiality.

• Fraud & Claims Operations Specialist 2 · Wells Fargo03-01-2019 – 10-01-2020

  Conducted thorough investigations of disputed transactions, gathering evidence and collaborating with customers and external entities to resolve claims efficiently. Identified recovery and chargeback opportunities under VISA rules and knowledge of statements of facts related to disputes. Evaluated the level of risk associated with transactions, accounts, and claims, applying appropriate measures to mitigate potential losses. Implemented fraud risk management strategies, utilizing advanced financial analysis techniques to minimize the impact of fraudulent activities and support long-term financial stability. Prepared detailed reports of findings from fraud investigations, including recommendations for action and improvements to existing processes. Identified gaps in existing fraud prevention processes and implemented enhancements to improve the accuracy and efficiency of fraud detection and claims handling. Assisted in the recovery of funds from fraudulent transactions, coordinating with financial institutions and law enforcement agencies. Provided training to junior analysts on best practices in fraud detection and claims processing.

• Payment Specialist 3 · State Farm ®08-01-2015 – 03-01-2019

  Generated regular reports on payment plan performance, highlighting key metrics such as delinquency rates, recovery rates, and customer satisfaction levels. Developed, monitored, and adjusted payment plans for customers, ensuring that payment schedules aligned with customer needs and company policies. Analyzed customer accounts to assess payment plan eligibility, financial standing, and risk factors, tailoring payment solutions accordingly. Conducted financial analysis to develop and optimize payment plans, contributing to budgeting processes and ensuring compliance with regulatory requirements. Ensured all payment plans and related activities complied with relevant regulations and internal policies, maintaining high standards of ethical conduct.

Education

• Strayer UniversityAccounting, Accounting

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