Jonathan Morrison
Compliance & Operations Professional | AML/CFT, CDD/EDD & Risk Governance | Driving Process Integrity Across Fintech & Community Banking
- Role
- Aml Cft & Ofac Compliance Cdd Analyst at Cross River
- Location
- Fort Lee, NJ, US
- LinkedIn followers
- 500 followers
About Jonathan Morrison
With over 20 years in the financial industry, I bring a strong foundation in compliance…
Experience
Aml Cft & Ofac Compliance Cdd Analyst
Sep 2025 — Present · US
Conduct enhanced due diligence (EDD) reviews on high-risk digital and community banking clients, focusing on business model evaluation and flow of funds analysis to identify regulatory and operational risk- Evaluate transactional behavior and ensure alignment with the customer’s stated business purpose, leveraging negative news screening, account activity trends, and risk indicators to escalate concerns when necessary- Perform and document thorough annual and periodic reviews, including 90-day transaction analyses, beneficial ownership updates, and customer risk rating reassessments- Collaborate cross-functionally with internal Lines of Business (LOBs) to gather insights into client operations, leadership structure, and control environments- Maintain well-documented, audit-ready records supporting all AML/CFT ongoing monitoring efforts- Verify that appropriate transaction monitoring coverage is in place, with risk-based alerts tailored to the nature of digital banking and fintech-related activities- Communicate findings clearly and professionally with compliance officers, governance teams, and key business stakeholders- Utilize Excel and Word to build and maintain templates, audit trails, and concise customer risk summaries- Apply subject matter knowledge in areas such as card issuing, digital payments, wallet screening, and marketplace lending to support effective CDD/EDD decisioning- Promote a strong, collaborative compliance culture while ensuring timely execution of internal CDD/EDD requirements.
Education
Kaplan University
Bachelor's degree
Atlantic Cape Community College
Associate of Arts - AA
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