Jonathan Thornton

Experience

• 

  Bank of America

  Feb 2010 - Nov 2016

  Senior Fraud Analyst

  • Manage Accounts for Global Wealth Clients• Coordinated Client Manager/Financial Advisor Contact to verify activity• Recognize and assess fraud trends• Made judgmental decisions based on the benefit to the business and customers• Mitigated Risk by assessing reports and reviewing Anti-Money Laundering trends• Worked under the guidance of a more senior-level manager with limited direction• Promoted to supervisor role January 2013• Responsible for counseling, feedback sessions, and training with associates to ensure optimal performance• Gained knowledge of FCRA, FCBA, AML and FDCPA Regulations, the Bank Secrecy Act, and Regulation CC & E Show less

• 

  USAA

  Nov 2016 - May 2018

  Consumer Reporting Analyst

  • Responsible for analyzing and validating high risk credit bureau disputes• Familiar with AML & FCRA regulations for direct and indirect disputes• Analyzed and validated credit bureau disputes for both credit card and consumer loans• Utilized various systems across multiple platforms in order to complete disputes within a limited time frame.

• 

  Chase

  May 2018 - Mar 2019

  Financial Crimes Specialist

  - Check negotiations according to AML & Regulation CC Guidelines- Mitigated Risk and exposure by protecting funds until items cleared- Developed strategies and fraud models to net unusual examples of fraud- Accountable for all loses under direct judgement; No loses to date

• 

  American Express

  Mar 2019 - Nov 2019

  Compliance Specialist

  - Ensure compliance with all applicable laws and regulations, including the Bank Secrecy Act, the USA PATRIOT Act, and the Foreign Corrupt Practices Act- Investigate potentially suspicious financial activity and, when appropriate, file suspicious activity reports with the Financial Crimes Enforcement Network- Provides end-to-end support and oversight of global financial crimes investigations.- Work to ensure Politically exposed individuals are identified- Identify Special Interest Individuals and Entities through the OFAC Special Interest list and terminate the accounts of those accurately identified. Show less

• 

  Mosaic (joinmosaic.com)

  Nov 2019 - Aug 2022

  - Conduct in depth investigations into consumer accounts in which potential regulatory or credit policy compliance or fraudulent activity may have occurred- Suspicious Activity Report research, writing of the narrative, and preparation of the incident report for submission with FINCEN.- Perform investigations into any BSA/AML alerts received and provide those findings to our Risk team, which may include a broader fraud investigation- Assist consumers with regulatory complaints and coordinating a mutually beneficial resolution for all parties. Including but not limited to FCRA, CFPB, Department of Business Oversight and Attorney General complaints. Encompassing investigation, written response, and remediation.- Perform the investigation into and resolution of all demand letters and litigation matters for our legal team. Inclusive of crafting responses sent to consumer attorneys and in some instances, legal discovery.- Assist our Regulatory Compliance team in testing for adherence to compliance guidelines and performing state exams. Encompassing researching data provided, ensuring all data points are thoroughly addressed, reviewing consumer accounts, and providing results to our broader risk team.- Coordinate across departments including legal, finance, marketing, sales operations, and customer support for developing and updating policy, remediation steps, process improvement and process implementation. Show less

  • Sr. Fraud & Compliance Specialist

    Oct 2021 - Aug 2022

  • Fraud & Compliance Specialist

    Nov 2019 - Oct 2021
• 

  Wells Fargo

  Oct 2022 - now

  Sr. Independent Testing Specialist

  - Planning and executing the test of design and operating effectiveness for controls within required timeframes and in accordance with established processes and procedures.- Effectively communicating the testing or validation process, status, and results to business and risk partners.- Writing and/or reviewing reports or presentations that clearly articulate the results/conclusions of testing or validation activities.- Consulting on and leading the implementation of initiatives.- Effectively communicating with IT&V Leadership and escalating validation concerns or issues as appropriate.- Identifying and implementing efficiencies and process improvements.- Providing credible challenge and recommendations to IT&V Leadership as needed.- Actively participating in learning & development opportunities to ensure the use of best in class processes and procedures.- Developing clear and concise reporting to be shared with IT&V Leadership.- Assisting in managing change to ensure an effective risk management program.- Mentoring and coaching Associates.- Fostering relationships with teams and collaborating across other all testing and validation teams effectively. Show less