Jennifer Waddell

• Lead complex AML/BSA investigations involving fiat and cryptocurrency transactions, assessing risk and determining SAR filing obligations in accordance with FinCEN requirements. • Perform quality control reviews to ensure adherence to guidelines and regulatory requirements. • Analyze high-volume transaction monitoring alerts using on-chain and off-chain data to identify money laundering, fraud, and other illicit financial activity across the Block ecosystem. • Conduct advanced blockchain tracing and attribution using tools including Chainalysis, TRM Labs, Elliptic, and Arkham Intelligence to uncover transaction flows and identify risk exposure. • Prepare, file, and document detailed SARs, ensuring clear narratives and compliance for law enforcement and regulatory review. • Developed and implemented standardized operating procedures for investigative workflows, collaborating cross-functionally to ensure accuracy and consistency; adopted company-wide and formalized into official training materials. • Trained new investigators delivering onboarding and ongoing support for financial investigations including blockchain analytics and large dataset analysis techniques. • Built and developed investigative and data analytics tools using Excel macros, SQL data extracts, Python, and AI-assisted workflows, significantly reducing analysis time for large datasets and improving SAR drafting efficiency across the teams through automated concatenation techniques. • Investigate 314(a) matches, 314(b) requests, law enforcement inquiries, and file NCMEC reports, supporting information-sharing efforts and regulatory obligations.

Block, Inc. | Cash App

• Conduct complex civil and regulatory investigations into violations of state and federal securities laws, including fraud, market manipulation, insider trading, and Ponzi schemes. • Analyzed financial records, trading activity, and transactional data to identify misconduct across broker- dealers and investment advisers. • Produced detailed investigative reports, case summaries, and deficiency findings to support enforcement actions, including Consent Orders and Cease and Desist orders. • Led and contributed to investigations involving high-risk activities such as selling away, churning/reverse churning, private placements, micro-cap/OTC securities, and elder financial exploitation. • Performed interviews, gathered and preserved documentary evidence, and supported case development for regulatory and administrative proceedings. • Served as subject matter expert in cryptocurrency, precious metals, and OTC market manipulation, providing guidance on emerging risks and investigative approaches. • Collaborated with federal and state regulatory agencies, including SEC, FINRA, and CFTC, on multi- jurisdictional investigations. • Trained and mentored new investigators and enforcement staff, delivering onboarding and ongoing instruction in investigative techniques, data analysis, and case development. • Improved investigative workflows and enforcement processes, implementing efficiency enhancements adopted across The Division. • Member of Trademark Appeal Review Committee, evaluating appealed decisions and providing consensus-based recommendations.

State of North Carolina

• Identified and mitigated over $120M in financial, reputational, and legal risk exposure across high-value lending relationships exceeding $3M through in-depth investigative research and qualitative risk analysis. • Conducted comprehensive due diligence using internal/external databases, public records, and court filings to uncover fraud indicators, adverse activity, and hidden risk across individuals and corporate entities. • Detected patterns of anomalous behavior and risk signals, including bankruptcies, liens, judgments, sanctions exposure, and regulatory concerns impacting credit decisions. • Developed and implemented a streamlined risk reporting framework adopted across the team, improving clarity, consistency, and decision-making efficiency for credit stakeholders. • Led special investigation requests for the Small Commercial Credit Department, delivering high-priority analysis on potential criminal and fraud-related risks. • Evaluated third-party investigative vendors and presented strategic recommendations to leadership, directly influencing vendor selection and operational efficiency. • Trained and mentored analysts on investigative research techniques, data analysis, and risk identification methodologies. • Identified emerging fraud trends and recommended process and system enhancements to strengthen risk detection and mitigation capabilities. • Managed and executed cross-functional community outreach initiatives as Project manager for Lighthouse Projects (2014-2016), delivering successful outcomes for local nonprofit organizations within budget and scope.

BB&T (Now Truist Financial)

Certified Fraud Examiner (CFE)

Association of Certified Fraud Examiners

Chainalysis Certified Compliance Analyst

Chainalysis

Chainalysis Digital Assets Fundamentals

Chainalysis

Chainalysis Certified Investigator

Chainalysis

TRM Achievement of Certification Excellence (TRM-ACE)

TRM Labs

TRM Crypto Compliance Specialist (TRM_CCS)

TRM Labs

TRM Advanced Crypto Investigator (TRM-ACI)

TRM Labs

TRM Certified Investigator (TRM_CI)

TRM Labs

TRM Crypto Fundamentals Certification (TRM-CFC)

TRM Labs