Expert Details

Banking & Risk Management

ID: 735885 Florida, USA

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Banking professional with a unique combination of skills offering 30 years of experience in the areas of Mergers and Acquisition, Risk Management, Bank Operations, Internal Audit, Regulatory Compliance, Credit Operations, Retail Products and Cost Reduction Strategies. Proven track record managing business and operational projects; building and deploying a range of strategies in varying market conditions that resulted in organic growth across 21 countries in the Caribbean Region. Known as a results-driven professional with strong people management skills, and successful in managing change. Recognized as a strong contributor to the bottom line, while maintaining high internal control standards. Fully bilingual (English/ Spanish).

Education

Year Degree Subject Institution
Year: 2004 Degree: Bachelor of Business Administration Subject: Industrial Management Institution: Inter American University

Work History

Years Employer Title Department
Years: 2019 to Present Employer: Undisclosed Title: Founder & President Department:
Responsibilities:
Provide advisor services to the Financial Services Industry and the Small Business segment in the areas of risk management, bank operations, regulatory compliance, and audit. Provide phone consultation in the topics of Audit, market research, and risk management.
• Executed business plans, collaborate with the key stakeholders, while setting up
processes and systems, and growing a sustainable organization.
Years Employer Title Department
Years: 2017 to 2019 Employer: Scotiabank Title: Chief Auditor Department: Internal Audit
Responsibilities:
Lead the Internal Audit Division for scotiabank Dominican Republic.
Years Employer Title Department
Years: 2010 to 2013 Employer: Scotiabank Title: Regional Director Products - Caribbean Region Department: International Retail Products
Responsibilities:
Lead the regional products team across 21 countries in the Caribbean Region.
Years Employer Title Department
Years: 2009 to 2010 Employer: Scotiabank de Puerto Rico Title: VP, Operations and Special Projects Department: Operations
Responsibilities:
Lead the operation of Scotiabank de Puerto Rico, implementing critical projects that positively impacted bottom line results.
Years Employer Title Department
Years: 2005 to 2010 Employer: Scotiabank de Puerto Rico Title: VP, Credit Cards, Contact Center & ATM's Channel Department: Credit Cards
Responsibilities:
Managed the credit cards, call center and ATM's areas. Also responsible of overseeing the centralized Credit Processing Unit.

Acted as a change agent for the Institution and expanded best practices to the Latin American Region.
Years Employer Title Department
Years: 1998 to 2002 Employer: Citibank, NA Title: VP, Credit Director Department: Risk
Responsibilities:
Lead the Centralized Acquisition Unit for the Consumer Business.

Managed the migration of the credit card front-end operation to the US Bankcard Business.

Career Accomplishments

Licenses / Certifications
- FIBA Anti-Money Laundering (AMLCA) Certification
- Certified Internal Control Auditor (CICA)

Fields of Expertise

accuracy, bank fraud, bank policy, bank regulation, bank procedure, banking, enterprise risk management, operational risk, project risk management, risk assessment, risk, risk management, compliance, compliance program, legal compliance, regulatory compliance, regulatory compliance auditing, business operations, international operations, operations, loan operations, operations management, retail operations improvement, cost control, cost evaluation, cost optimization, cost reduction, operating cost analysis, outsourcing, retail product, retail banking

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