Yohann Cummings
SUMMARY
10+ years of experience working in the financial industry within Anti-money Laundering & Anti- Terrorist
Financing, leading high-priority case investigations.
Extensive work experience in managing cases from end-to-end, completing a thorough analysis and
reporting, from hand off to completion.
Proficient in Case Management, AML/Sanctions policies and procedures, and federal legislation with
extensive experience in detailed analysis of transitions, tracing assets, bill of sales, and international third-
party activities.
Strong experience in Financial Crime Investigations, AML & ATF Laws & Regulations (FINRA, FCA, OFSI &
IRS), Regulatory Compliance and Vulnerability & Risk Mitigation, and in-depth Research & Analysis
Sound understanding of the OFSAA modules and hands-on experience in building and configuring rules
within the OFSAA tool.
Quick learner, investigative, detail-oriented, team player with strong interpersonal and stakeholder
management skills to manage different levels of internal and external stakeholders.
PROFESSIONAL EXPERIENCE
BET99 | Online Sportsbook & Casino
Compliance Analyst - Consultant July 2022 – Oct 2023
Aided the overall iGaming compliance program by assessing sector and sub-sector level risk and delivering
actionable insights to compliance teams from both qualitative and quantitative information sources.
Provided guidance to the business and education related to AML matter, provide oversight for 8+ analysts.
Developed and updated Policy Procedures and management and controls to align with changing regulations
and industry best practices.
Prepared and submitted AML related reports to regulatory authorities, senior management, board of director
and parent bank.
Led efforts to improve the AML program to promote best practices for custom risk review, adverse media
screening and sanctions screening.
Aided in the construction and delivery of compliance plans in collaboration with compliance teams.
Monitored compliance program effectiveness and delivered recommendations for improvement.
COINSQUARE - Online Crypto Trading Platform July 2021 – July 2022
Compliance AML Analyst - Consultant
Performed periodic file reviews ensuring activities are reviewed in a holistic manner across the spectrum of
products and services used by the customer.
Ensure KYC is properly performed by the LOB and EDD is applied in cases which were warranted to mitigate
AML/TF exposure.
Serve as a resource on suspicious activity monitoring to LOBs by communicating AML compliance and risk
management requirements and implications to their operations.
Investigate potentially suspicious activities escalated by the transaction monitoring triage process, make
risked-based STR recommendations and prepare STR.
Canadian Imperial Bank of Commerce (CIBC)
Senior Analyst, Anti-Terrorist Financing Nov 2018 – June 2021
Supported a team of 8, directly reporting to the Manager of National Teams.
Worked in Anti-Terrorism & Sanctions, tracing large wire transfers from international countries, classifying
fund sources as either legit/illegitimate, and gathering critical-level information on funds and Bill of Sales.
Collaborated with CSIS, RCMP, and Law Enforcement leading financial investigations by recording
statements, tracking debit/credit, and highlighting suspicious transactions. Accountable for completing case
reporting, detailing financial documentation, findings, and clarifying case next steps.
Prepared and submitted Suspicious Transactional Reports into FINTRAC (Regulated Government System &
Database) detailing dates, times, amounts, third party involved, card numbers, client, and card-holder
transfers.
Selected by Management to complete cases, analyzing 20-500+ transactions per client, and meeting set
deadlines.
Performed Enhanced Due Diligence on high-risk customers, suggesting account restrictions and/or closures.
Researched, reviewed, and authored Suspicious Activity Reports to secure regulatory compliance.
AML Analyst, High Risk & Enhanced Due Diligence (HR/EDD) June 2017 – November
2018
Collaborated with a team of 100+ colleagues, reporting to the Director of AML.
Managed a caseload of high-priority investigational cases, completing in-depth research and analysis of
financial reports.
Oversaw high profile individual cases, including Mayors, Politicians, PEPS, C-level Executives, reviewing
transactions, campaign contributions, funding, movement of funds, and dragging a synopsis of findings that
detail next steps (escalation or completion).
Completed 10+ investigations per week, performing analysis and time sensitive follow-ups within various
AML bodies and departments, ensuring the file end-to-end completion including evidence,
transference/divesture.
Gained extensive Banking, AML & Compliance knowledge, with hands-on experience with government
audits.
Identified multiple significant Laundering cases, red flagging transactions and fund patterns associated with
the laundering of illicit funds, expedited these highly illegal cases to CSIS & RCMP Authorities.
Internet Communications Specialist April 2014 – June 2017
Worked with a team of 45+ Specialists, directly reporting to the Manager.
Represented the company brand by managing digital customer interactions, providing requested financial
information, online service support, and instant bank messaging.
Worked with Project Teams to create online correspondence, while concurrently serving the Fraud
Department on all spam/phishing responses.
Achieved transactional targets, completing 85+ online interactions a day using Twitter, Email, and Website
Chats.
Established a solid knowledge of CIBC’s organization and business accountabilities, including Fraud
services.
Tasked by management to lead and execute special projects to improve team performance and
electiveness.
Provided sound recommendations and necessary changes to various business unit policies and
procedures, utilized raw data from customer engagement and escalated issues to create service solutions
to Management.
Utilized the internal system to track KPI’s, performance, trending online issues, and social media activity.
Multiple Award Winner for Service Excellence, Quarterly Performance, Perfect Attendance, and Best
Performer.
EDUCATION
Bachelor of Business Administration, University of Toronto Scarborough, June 2023
PROFESSIONAL CERTIFICATION
Chainalysis Cryptocurrency Fundamentals Certification
Forensic Accounting
George Brown College, June 2017
Fraud Investigation, Forensic Investigations & Bankruptcy Law, Criminology & Ethics, Business Valuation
& Qualification of Damages, Money Laundering & Asset Tracing, Enterprise Risk Management & Internal
Control, Computer Forensics & Data Mining, Financial Statement Fraud.
