Ruth Ann Keene

Ruth Ann Keene is a Board Member at BSA. Ruth was previously a BSA Specialist at United Business Bank from June 2018 to May 2020. In this role, they were responsible for reviewing and filing Currency Transaction Reports (CTRs), conducting batch sanctions screenings (OFAC, 311, PEPS, 314a, etc.) on customers and daily transactions, monitoring transactions in new accounts to detect and identify suspicious activity, and performing Customer Due Diligent (CDD) and Enhancing Due Diligent (EDD) on new and existing customers. Ruth Ann Keene obtained detailed background information and conducted investigations on clients through online research and other relevant sources for any adverse information, reputational risk issues, inappropriate practices or behavior. Ruth also carried out risk assessments and applied risk categories to new customers. Ruth Ann Keene conducted investigations and assessments of alerts to identify potential money laundering risks in the bank; as well as suspicious customers and transactions. Ruth also escalated unusual or suspicious activities.

Prior to their role at United Business Bank, Ruth Ann Keene was an AML & OFAC Analyst at Mega International Commercial Bank from January 2017 to June 2018. In this role, they were responsible for conducting AML/CFT/Sanctions due diligence checks on new and existing customers according to the Bank’s CDD/EDD Policy. This included conducting customer risk assessments, identifying PEPs/ Sanctioned Individuals/Politically Exposed Persons, and completing both internal and external watchlist checks. Ruth Ann Keene also prepared Suspicious Activity Reports (SARs) for filing with FinCEN as required.

Before their role at Mega International Commercial Bank, Ruth Ann Keene was a Credit Analyst and Portfolio Administrator at Mega International Commercial Bank from February 2014 to December 2016. In this role, they were responsible for the analysis of financial statements for new and existing corporate clients, as well as the preparation of credit proposals for the approval of management. Ruth also administered the portfolio of assigned corporate clients, which included monitoring covenant compliance, preparing monthly client exposure reports, and liaising with relationship managers on account management matters.

Ruth Ann Keene has a Master of Business Administration - MBA with a concentration in Accounting and Finance from Indiana State University. Ruth also has a Bachelor's degree in Finance from Ming Chuan University. In addition, they have a certification in ACP Accounting from Pacific States University and UC Berkeley Extension in Data Analytics Boot Camp Certification. Finally, they are also a Certified Anti-Money Laundering Specialist (ACAMS).