Jennifer Thornton
Senior Fraud Operations Analyst · AML Specialist · Ottawa, ON
Over a decade of experience in financial crime prevention, fraud operations, and anti-money laundering. I investigate complex fraud typologies, build detection frameworks, and write about emerging trends in financial intelligence.
Areas of expertise
Latest articles
AMLEmerging typologies in crypto-based money laundering
How decentralized finance is reshaping the layering stage — and what compliance teams need to watch for.
When the model is wrong: the limits of AI in fraud detection
Machine learning catches patterns humans miss — but overreliance creates blind spots that sophisticated actors are already exploiting.
Real-time payments, real-time fraud: closing the gap
Interac e-Transfer and open banking are convenient — and a gift to fraudsters. What banks and fintechs must do differently.
Projects
Experience
Senior Fraud Operations Analyst
Lead fraud detection strategy and complex case investigations
AML transaction monitoring and suspicious activity reporting
Liaison with law enforcement and FINTRAC
Mentor junior analysts and contribute to team training
Fraud Analyst
Card fraud and account takeover investigations
Built and implemented internal KYC review process
Contributed to fraud loss reduction initiatives
Junior Analyst
Transaction review and escalation
Customer identity verification processes
Certifications
CAMS
ACAMS · Certified Anti-Money Laundering Specialist
CFE
ACFE · Certified Fraud Examiner
Get in touch
Available for professional inquiries, speaking opportunities, or collaborations in fraud and AML.
jennifer@thethorntons.ca