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Summary

PROFESSIONAL EXPERIENCE

BSA AML Independent Consultant with Management experience and deep understanding of the Bank Secrecy Act including USA PATRIOT Act, Office of Foreign Assets Control (OFAC), Monitoring Transaction, Geographic Targeting Orders (GTOs), Know Your Customer/Client (KYC), Enhanced Due Diligence (EDD) and Customer Due Diligence (CDD) requirements. Vast experience in Bank System Implementations, Bank Star-ups and Operations.

Work experience

20182018

Consultant FIAG Group

MidSouth Bank

Alert Look-Back BAU Project

    • Conduct AML investigations on alerts generated by Bank’s Yellow Hammer system.
    • Prepare the Case Summary narrative and supporting documentation for proper case disposition.
    • Draft escalation reports for Suspicious Activity Reports (SAR) consideration.
20172018

Consultant CS-MB

Continental National Bank

High Risk Account Review Project

  • Validate and document research on High Profile Customers identified as High Risk by the Bank for further review by the Office of the Comptroller of the Currency, following Bank remediation procedures.
  • Conduct review of account documentation to ensure all required documents are on file as part of KYC validation and Enhanced Due Diligence.
  • Conduct Investigation following Bank procedures and prepare the Case Summary narrative and supporting documentation for proper case disposition.
20172017

QC Consultant 

Florida Community Bank

High Risk Account Review Project

  • Conduct Quality Control of High-Risk Account Cases identified as high risk by the Bank.
  • Validate and document research on High Profile Customers identified as High Risk by the Bank for further review by the Office of the Comptroller of the Currency, following Bank remediation procedures.
  • Prepare the Case Summary narrative and supporting documentation for proper case disposition.
20162016

QC Consultant Team Adhoc

East West Bank

CDD Remediation Project

  • Conduct Quality Control of High-Risk Account Cases identified as high risk by the Bank.
  • Validate and document research on High Risk Customers in accordance with remediation procedures.
  • Prepare the Case Summary narrative and supporting documentation for proper case disposition.
20152016

Consultant Doyle Carden Group

Discover Financial Services

Look –Back Project

    • Conduct testing of credit card scenarios using Actimize for implementation of Look-back remediation.
    • Conduct Look-back review of credit card Cases generated by Actimize system.
    • Perform and document research on customers in accordance with remediation procedures.
    • Prepare the Case Summary narrative and supporting documentation for proper case disposition.
20132014

Consultant Doyle Carden Group

M&T Bank

KYC EDD Remediation Project

  • Conduct the review of High-Risk Account Cases generated by Deloitte’s Case Management tool.
  • Perform and document research on customers in accordance with remediation procedures.
  • Prepare the Case Summary narrative and supporting documentation to close the case, escalate the case and/or recommend the case for potential SAR filing.
20132013

Consultant Doyle Carden Group

BMO Harris Bank

Alert Look-Back Project

  • Conduct AML investigations on alerts generated by Bank’s Norkom system.
  • Prepare the Case Summary narrative and supporting documentation for proper case disposition.
  • Draft escalation reports for Suspicious Activity Reports (SAR) consideration.
      20132013

      Consultant BSA Radar

      Great Florida Bank

      High Risk Account Review Project

      • Conduct the review of High-Risk accounts identified as high risk by the Bank.
      • Conduct review of account documentation to ensure all required documents are on file as part of KYC validation and Enhanced Due Diligence.
      • Conduct Investigations for a year look back of account activity and identify counterparty activity
      • Escalate accounts showing unusual activity to Bank Compliance Officer.
        20122013

        Independent Consultant

        Helm Bank

        KYC Remediation and Lookback Project

        • Conduct Look Back reviews of High-Risk accounts identified by the Bank.
        • Conduct review of account documentation to ensure all required documents are on file as part of KYC validation and Enhanced Due Diligence.
        • Escalate accounts showing unusual activity to Bank Compliance Officer.
        20122012

        Independent Consultant

        BanColombia Agency

        High Risk Account Review Project

        • Conduct Look Back reviews of High-Risk accounts identified by the Bank.
        • Conduct review of account documentation to ensure all required documents are on file as part of KYC validation and Enhanced Due Diligence.
        • Escalate accounts showing unusual activity to Bank Compliance Officer.
          20122012

          Independent Consultant 

          US Century Bank

          High Risk Account Review Project

          • Conduct the review of High-Risk accounts identified as high risk by the Bank.
          • Escalate accounts showing unusual activity to Bank Compliance Officer.
          20112011

          Consultant IPSA International

          HSBC Bank

          BSA/AML Remediation Project

          • Conduct AML investigations on alerts generated by Bank’s Norkom system.
          • Escalate accounts showing unusual activity to Bank Compliance Officer.
          20072011

          Senior Compliance Advisor

          Standard Chartered Bank Int'l
          • Member of the Private Banking Remediation Team. Performs analysis of Inter Monitoring alerts, specifically designed for the Bank by a Consulting firm.
          • Responsible for Bank Compliance with Bank Secrecy Act, USA Patriot Act, Know Your Customer requirements, Customer Identification Program procedures and  Company policies and procedures.
          • BSA/AML Compliance Monitoring Program activities. Performs especially detailed and comprehensive reviews and analysis of monitoring system generated alerts, and Enhanced Due Diligence compliance reviews of account activity for suspicious and/or unusual activity trends, as well as review of KYC documentation, and submit reports with findings.
          • Back-up of Bank’s Broker Dealer Compliance monitoring.
          19992006

          Control Supervisor & Operations Manager Assistant

          American Express Bank Int'l
          • Supervisor of the Operations Control and Customer Service Department in Operations. Leader of the team in charge of validate all trades executed in the Bank, as well as handle any client’s inquiries derived of any security transaction.
          • Sarbanes-Oxley 404. Asserts as to the effectiveness of the key Controls that impact financial reporting. Responsible for the quarterly testing of 12 financial processes for SOX Compliance.
          • Internal Control – Performs detailed and comprehensive reviews, analysis and interpretation of review findings of control issues, as well to maintain the documentation as part of the Internal Control Evaluation Process (ICEP) to comply with Company policies and procedures.
          • Assist and actively participate with the FED, Internal and External Auditors.
          • Prepare and analyze monthly Key Performance Volumes Indicators for Senior Management.
          • Prepare presentations and perform special reviews for Senior Management.
          • Involved in the test and implementation of the new Bank system (Globus).
          19981998

          Professor

          CEPEBAN

           Professor of Accounting Banking Program  

          • General Accounting and Banking Accounting.
          • Banking Documentation.
          19941997

          Manager Operations / Star-up

          Banco Solventa

          Participated as the Operations responsible person in the system parameter definition, implementation and initial tests of the Operations and Internal Control Management at Financiera Atlas – Chile.

          • Act as an inter-departmental liaison to assigned Bank departments.
          • Familiar with all aspects of Bank Operations Management including Personal Loans, Time Deposits, Credit Card, Saving Products, office administration and general business operations.
          • Control of HQ and Branch Operations, Credit, Loan services and Customer Service.
          • Recruited, trained and supervised a team of 25 motivated employees.
          19851994

          Accounting Officer

          Banco de Comercio

          Accounting Officer at Financial & Tax Department

          • Supervised and controlled the Bank compliance with tributary duties as per application of the current regulations.
          • Applied analytical abilities, accounting skills and knowledge of income tax laws to determine correct tax liability to achieve corporate goals.
          • Prepared the organization’s annual income tax returns.
          • Prepared and submitted the Bank estimated taxes forecast.
          • Reviewed and prepared consolidated and comparative financial statements for Senior Management.

          Education

          B A Accounting

          Universidad Inca Garcilaso de la Vega

          Certifications

          2016

          Associate Member

          ACFE
          2007

          Certified Anti Money Laundering Specilaist

          ACAMS

          References

          Jose A Miranda

          "Manuel is a professional with very good analytical skills who is always looking for new challenges. Equally important are his skills as team player and courage to speak up when necessary."

          Timothy Myers

          "Manuel is a focused, dedicated person who tries to provide the very best service that he can to a particular situation. He has substantial experience in the banking industry including the compliance and operations sectors and would be a welcome addition to any team requiring a mature, experienced bi-lingual (Spanish) professional".

          Katia Lung

          “Manuel is a hard-working self-starter who always understands exactly what his responsibilities are, and how to get it done quickly and effectively. During his few years in the Operations Department, he was very dedicated to his work and done a good job, Manuel is an excellent professional,”

          Catherine Burgos

          “After many years of working with Manuel, he continues to demonstrate stong work ethics and values which are essential to the success of any organization. He is extremely reliable, focused, cooperative and eager to get the job done right. I strongly recommend Manuel as he would be an asset to any organization.”

          Graeme Haig

          “Manuel is a hard working and positive person, experienced, knowledgeable, fair and honest. Stretches himself to meet his own high expectations. A self motivator with a rigorous work ethic who would be an asset to any company looking for a creative and forward thinking talent” December 11, 2009

          Sajjad Hussain

          “I have worked with Manuel in AMEX, Miami. Although he was in a different area we were always in close communication. I have always heard good things about him from his supervisor. Also I had an opportunity to work with him on a compliance related project. I was a little sceptic as to how much contribution he could make to the project as at that time he had a different line of work. My forebodings were quickly eliminated and within no time he became an invaluable member of the project team. He is an experienced banker and will be an asset to any financial institution.”

          Skills

          Bank Systems
          • Bank systems initial implementation, including mapping, testing and validation.
          • Strong knowledge of banking systems as GLOBUS, NORKOM, Actimize, ECS, Assist, Prime, Yellow Hammer and NetXPro (Pershing).