SAR volume & quality
At American Express, I rank in the top 10% for SAR volume and quality metrics. I also identified and corrected high-risk policy gaps.
David Carrier, M.S., CAMS
I follow the money
and find what others miss.
Compliance Analyst at American Express in Phoenix, Arizona, investigating money laundering, fraud, and sanctions risk.
01 — About
A little about me
I'm an investigator at heart, and I use data, open-source intelligence, and a lot of curiosity to connect the dots in financial crime.
My work spans fraud, money laundering, terrorist financing, and organized criminal networks across card, business, merchant, and crypto products. I dig into behavioral patterns, build the case end to end, and write it up so it holds up under scrutiny.
My approach is grounded in graduate research in crime, terror, and intelligence at Boston University, where I used statistical modeling and geospatial analysis, and in years of leading teams on the operations side. I also have working proficiency in Spanish and Russian.
02 — Experience
Where I've made an impact
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2023 – Present
Compliance Analyst @ American Express
I run OSINT-driven AML and fraud investigations end to end across Consumer, Business, and Merchant accounts, including money funneling and scams by sanctioned parties. I found procedural gaps in controls and drafted remediation plans that leadership adopted. I also build Power BI dashboards that track SAR trends and control effectiveness, and I train colleagues on investigative techniques.
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2022 – 2023
Associate Analyst @ AML RightSource
I investigated fraud and money laundering involving crypto, terrorist financing, and organized crime, using SQL to surface behavioral patterns. I supported risk registers and control inventories for client banking operations (ACH, wire, remote deposit). I was a top producer in SAR filings and tracked and reported wanted individuals to law enforcement.
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2016 – 2022
Manager @ Ripken Stadium
I led seasonal teams of 30–50 employees and owned operational compliance (OSHA, FDA), staff training, and process improvement. I reported to the Director of Operations.
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2019
Intern @ Harford County Sheriff's Office
In the Criminal Investigation Division, I analyzed case files, organized warrants and arrest reports, and managed the evidence chain of custody.
03 — Highlights
A few things I'm proud of
Incidents analyzed
For my graduate research on police use of force, I ran multivariate regression on 16 years of UCR data (1992–2007) to produce evidence-based policy recommendations.
People led
As a manager at Ripken Stadium, I trained and led large seasonal crews while keeping operations OSHA- and FDA-compliant.
Let's make the financial system harder to abuse.
Whether it's a role, a project, or just a conversation about financial crime, I'd love to hear from you.