Xiuming Xu

Bank Credit Analyst @Protiviti

Toronto, ON, CA

Investigate complex transaction monitoring alerts across wire transfers, Interac e-Transfers, and international fund flows, using SAS AML, Oracle, and IBM Host-on-Demand to identify potential money laundering, layering, or sanctions breaches in line with TD Bank’s AML/ATF framework.• Draft comprehensive STRs with clear risk narratives and behavioral analysis, escalating high-risk cases to the Financial Intelligence Unit (FIU) and ensuring compliance with FINTRAC regulatory obligations and internal timelines.• Conduct Enhanced Due Diligence (EDD) on high-risk individuals and entities, reviewing customer profiles, transactional history, source of funds, and exposure to sanctioned jurisdictions to support accurate risk classification.• Maintain and improve Excel-based investigation trackers with pivot tables, advanced formulas, and conditional formatting to ensure visibility of case progression and SLA adherence across internal AML workstreams.• Resolve inconsistencies and data gaps across platforms (PRM, C3, MBNA, Moody’s, VSP) by coordinating with internal fraud, compliance, and data teams to validate account-level activity and reinforce data integrity in final decisions.

Smith School of Business at Queen's University

Master's degree, Management Analytics

University of Toronto

Bachelor of Applied Science - BASc, Electrical and Electronics Engineering