SUMMARY:

• Senior Tax Consultant for individuals, small businesses and international financial institutions.
• Supervised, managed and actively participated in Financial Audits for a group of 5 public companies specializing in health insurance claims and related activities trading in the Philadelphia Stock Exchange.
• Forensic Accounting Professional. TAX / FATCA Documentation Expert.
• CPA (NY), Contador Publico (CPA, Argentina) and Certified anti - Money Laundering Specialist (CAMS).
• Hands-on approach, creative problem solver, computer savvy.
• Senior BSA Investigator and SAR writing specialist. CDD expert.
• French, Portuguese and Spanish fluent speaker. Corresponding banking transaction investigation expert.
• Excellent interpersonal, detail oriented and analytical skills.
• Experience with BSA risk issues and USA Patriot Act guidelines.
• Associate Audit Partner - PriceWaterhouseCooper in Argentina.

TECHNICAL SKILLS:

• PATRIOT OFFICER
• PARC
• ASSIST
• NAVIGATOR
• BRIDGER
• ACCURINT
• PRIME
• MANTAS
• GLOBUS
• KACTUS
• GAOS
• Jack Henry and SYFACT. Bankers’ Almanac
• F9
• Microsoft Excel
• Microsoft Word
• ATB
• QuickBooks Pro
• FedLink
• BPI II
• Lacerte
• Fast Tax Go
• CCH Tax
• PPC i-Check i-Doc
• Sydel
• WorldCompliance and BancPac

PROFESSIONAL EXPERIENCE:

Corporate and Personal Tax Consulting Manager

Confidential, Miami, FL

Responsibilities:

• Provided personalized tax consulting services to corporate, partnership and high net individuals for a firm specializing in taxation.
• Organized and manage corporate and individual clients’ financial statements and tax preparation.
• Organized and conduct presentation on client’s behalf of documentation required for tax audits and examinations before the IRS, NYS Department of Taxation, NYS Department of Labor, Florida Department of Revenue in Florida, New York and California .
• Special tax projects requested by management of different clients to comply with regulators and tax authorities’ instructions.

High Risk Accounts Investigator, Transactions Review and SAR Specialist

Confidential, Miami, FL

Responsibilities:

• Completed the investigations and Suspicious Activity Report (SAR) forms including the narrative and obtain all the back-up records to be presented to the regulator’s personnel.
• Reviewed transactions processed through a bank determining if any were suspicious activities, due to location of the parties or amounts or frequency of transactions or any other circumstances.
• Conducted High Risk Annual reviews, based on a schedule, special requirements from the BSA Manager or upper management determination for a financial institution belonging to a group of South American investors.
• Obtain the transactions records from Patriot Officer, PARC, and Navigator systems, constructing the pivot tables, analyzing transactions and obtaining the back-up documentation for the noteworthy trades.
• Sending RFI’s to accounts officers or SME’s and conducting follow up meetings.
• Complete the High Risk Annual Review and arrive to a determination of filing a SAR or close the review adding the client to a Watch List, close the account or closing the entire customer relationship.
• Presented SAR to the BSA Officer or the SAR Committee for review and filing.

High Risk Accounts Investigator, Transactions Review and SAR Specialist

Confidential, Miami, FL

Responsibilities:

• Reviewed transactions processed through a bank determining if any were suspicious activities, due to location of the parties or amounts or frequency of transactions or any other circumstances.
• Conducted High Risk Annual reviews, based on a schedule, special requirements from the BSA Manager or upper management determination for a financial institution belonging to a group of Brazilian investors.
• Obtain the transactions records from Sydell CompliXpert, BancPac, i-Doc and i-Check system, constructing the pivot tables, analyzing transactions and obtaining the back-up documentation for the noteworthy trades.
• Sending RFI’s to accounts officers or SME’s and conducting follow up meetings.
• Complete the High Risk Annual Review and arrive to a determination of filing a SAR or close the review adding the client to a Watch List, close the account or closing the entire customer relationship.
• Completed the Suspicious Activity Report (SAR) forms including the narrative and obtain all the back-up records to be presented to the regulator’s personnel, if required.
• Presented the SAR to the BSA Officer or the SAR Committee for review and filing.

BSA/AML & OFAC Risk Assessment Senior Analyst

Confidential, New York, NY

Responsibilities:

• Determine the branch BSA/AML & OFAC Risk and write the final report determining sustainability of key components.
• Interact with the BSA Compliance Officer, and Upper Management of the branch to assess the different areas including but not limited to Analysis of specific Risk Categories, Detailed Analysis of Data, BSA/AML Structure and Organization and BSA/AML Policies and Procedures.
• Review and evaluate the BSA/AML Compliance Department Staff, and the quality of individuals allocated to AML & OFAC compliance.
• BSA/AML/OFAC Governance including monitoring actions base on prior regulatory examination.
• Review procedures for CDD, EDD KYC and High Risk Customer and PEP’s.
• Review SAR’s and related recordkeeping compliance, compliance with relevant USA Patriot Act sections including Travel Rules.
• AML Monitoring, Matrix and Overall assessments.

High Risk Accounts Investigator and SAR Specialist

Confidential, Miami, FL

Responsibilities:

• Conducted High Risk Annual reviews, based on a schedule, special requirements from the BSA Manager or upper management determination for a financial institution under FDIC Consent Order, interacting with the regulator’s personnel.
• Obtain the transactions records from Sydell CompliExpert, BancPac, and i-check system, constructing the pivot tables, analyzing transactions and obtaining the back-up documentation for the noteworthy transactions.
• Sending RFI’s to accounts officers or SME’s and conducting follow up meetings.
• Complete the High Risk Annual Review and arrive to a determination of filing a SAR or close the review adding the client to a Watch List, close the account or closing the entire customer relationship.
• Completed the Suspicious Activity Report (SAR) forms including the narrative and obtain all the back-up records to be presented to the regulator’s personnel, if required.
• Presented the SAR to the BSA Officer or the SAR Committee for review and filing.

BSA Investigator and SAR Specialist

Confidential, Miami, FL

Responsibilities:

• Conducted BSA Investigations, based on alerts escalation, fraud attempts, special requirements from the BSA Manager or upper management determination for a financial institution under FDIC Consent Order, interacting with the Regulator’s personnel.
• Obtain the transactions records from Yellow Hammer system, constructing the pivot tables, analyzing transactions and obtaining the back-up documentation for the noteworthy transactions.
• Sending RFI’s to accounts officers or other parties involved, and conducting follow up meetings with SME’s.
• Complete the investigation and arrive to a determination of filing a SAR or close the investigation with no reporting to regulators, adding the client to a Watch List, close the account or closing the entire customer relationship.
• Completed the Suspicious Activity Report forms including the narrative and obtain all the back-up records to be presented to the regulator’s personnel if required.
• Presented the SAR, the Investigation Summary Report to the BSA Officer.
• Presented the Investigation Summary Report and all the background information to be reviewed by the SAR Committee for any Investigation which were considered “NO SAR FILING”

CDD QA team leader

Confidential, Denver, CO

Responsibilities:

• Citi Private Banking CDD (KYC) Quality Assurance project for Latin American clients, reviewing and accepting or rejecting CDD files delivered by Compliance Officers in different LATAM countries according to global standards determined by the financial institution.

Vice President

Confidential, New York, NY

Responsibilities:

• Deployment Manager for Argentina and Chile.
• Leadership role within the Global Banking business focusing on HSBC’s AML/BSA (Anti Money Laundering & Bank Secrecy Act) policies, procedures and practices.
• Accountable for successful deployment of Global Standards for GBM in the Americas, supporting ongoing process improvement and the transition to sustainable business as usual.
• Work with a variety of internal businesses and functions (e.g. Project Leads, Data Readiness Teams, Capital Financing, Training and Communications) to ensure that the project proceeds with understanding and buy in from all key stakeholders.
• Responsible to interact regularly with external stakeholders in particular the various local and global reporting and regulatory bodies, ensuring that the Program is transparent, updates are provided as requested, and global and local regulatory standards are properly applied.
• Act as subject matter expert in financial crime risks and intelligence, act as point of authority and provide advice, direction and support on CDD matters pertaining to GBM.

Consultant

Confidential, Miami, FL

Responsibilities:

• Reviewed of all High risk transactions processed through a Private bank determining if any were suspicious activities, due to location of the parties or amounts or frequency of transactions or any other circumstances of a group of 12 analysts.
• Determined if the rules, parameters or profiles were exceeded and after review of the transactions conclude if the alerts were to be closed or submitted for SAR consideration.
• Obtained additional missing information for the client’s CDD files in public web sites or in the search engines available in the financial institution like Bankers Almanac, Bloomberg, Lexis Nexis or World Compliance or contacting the Account Officer in Spanish or English.
• Corrected, write and enhanced detailed reports for Compliance Department and regulators, stating facts and drawing conclusion on the review period, which extended for period of up to 12 months.
• Completed the investigations and Suspicious Activity Report (SAR) forms including the narrative and obtain all the back-up records to be presented to the regulator’s personnel, if required.
• Presented the SAR to the BSA Officer or the SAR Committee for review and filing.
• Presented the Investigation Summary Report and all the background information to be reviewed by the SAR Committee for any Investigation which were considered “NO SAR FILING”

SAR QA Supervisor

Confidential, Los Angeles, CA

Responsibilities:

• Review SAR’s already filed with FINCEN determining the appropriateness and completeness of the documents.
• Review proposed SAR’s filing remitted by analysts to determine if all the facts, data and conclusions were included in the reports.
• Design and implement internal procedures for SAR proposal and filing according to rules and regulation adjusted to the particular environment of a Bank with the majority of clients located in Mexico.
• Design and implementation of SAR follow up procedures to comply with strict filing requirements.

Forensic Auditor

Confidential, Miami, FL

Responsibilities:

• Reviewed of all High risk transactions processed through a local bank determining if any were suspicious activities, due to location of the parties or amounts or frequency of transactions or any other circumstances.
• Determined if the rules, parameters or profiles were exceeded and after review of the transactions conclude if the alerts were to be closed or submitted for SAR consideration.
• Obtained the missing information for the client’s KYC files in public web sites or in the search engines available in the financial institutions like Bankers Almanac, Bloomberg, Lexis Nexis or World Compliance or contacting the Account Officer in Spanish or English.
• Write detailed reports for Compliance Department and regulators in English, stating facts and drawing conclusion on the review period, which extended for period of 1 to 6 months.
• Completed the investigations and Suspicious Activity Report (SAR) forms including the narrative and obtain all the back-up records to be presented to the regulator’s personnel, if required.
• Presented the SAR to the BSA Officer or the SAR Committee for review and filing.
• Presented the Investigation Summary Report and all the background information to be reviewed by the SAR Committee for any Investigation which were considered “NO SAR FILING”

Forensic Auditor

Confidential, Miami, FL

Responsibilities:

• Reviewed of all High risk transactions processed through a Private bank determining if any were suspicious activities, due to location of the parties or amounts or frequency of transactions or any other circumstances.
• Determined if the rules, parameters or profiles were exceeded and after review of the transactions conclude if the alerts were to be closed or submitted for SAR consideration.
• Obtained the missing information for the client’s KYC files in public web sites or in the search engines available in the financial institutions like Bankers Almanac, Bloomberg, Lexis Nexis or World Compliance or contacting the Account Officer in Spanish or English.
• Write detailed reports for Compliance Department and regulators in English, stating facts and drawing conclusion on the review period, which extended for period of 1 to 12 months.
• Completed the investigations and Suspicious Activity Report (SAR) forms including the narrative and obtain all the back-up records to be presented to the regulator’s personnel, if required.
• Presented the SAR to the BSA Officer or the SAR Committee for review and filing.
• Presented the Investigation Summary Report and all the background information to be reviewed by the SAR Committee for any Investigation which were considered “NO SAR FILING”

Forensic Auditor

Confidential, Miami, FL

Responsibilities:

• Review of all High Risk transactions processed through a US Agency for a selected group of Clients under investigation, determining any suspicious activities, due to location of the parties or amounts or frequency of transactions or any other circumstances.
• Obtained the missing information for the client’s KYC files in public web sites or in the search engines available in the financial institutions like Bankers Almanac, Bloomberg, Lexis Nexis or World Compliance or contacting the Account Officer in Spanish or English.
• Write extensive and detailed reports for Compliance Department and regulators, stating facts and drawing conclussion on the review period, which extended for period of 12 to 24 months.
• After careful consideration and review, prepared the SAR. The SAR was reviewed and the final version was approved.
• Completed the investigations and Suspicious Activity Report (SAR) forms including the narrative and obtain all the back-up records to be presented to the regulator’s personnel, if required.
• Presented the SAR to the BSA Officer or the SAR Committee for review and filing.
• Presented the Investigation Summary Report and all the background information to be reviewed by the SAR Committee for any Investigation which were considered “NO SAR FILING”

Consultant

Forensic Accountant

Confidential

Responsibilities:

• Reviewed documentation received from Clients, verifying that complied with US Tax regulations and enter the information in different systems.
• Contact Client requesting appropriate tax forms answering their questions and following up with Relationship Managers.
• Special tax projects requested by management to comply with regulators and tax authorities’ instructions.

Forensic Auditor, AML/BSA and SAR analyst

Confidential, Miami, FL

Responsibilities:

• Reviewed of all transactions processed through a domestic bank for selected group of Clients under investigation, determining any suspicious activities, due to location of the parties, amounts or frequency of transactions.
• After careful investigation and review, I prepared the SAR. The SAR was reviewed and the final version was approved.

Forensic Auditor

Confidential, New York, NY

Responsibilities:

• Reviewed of all transactions processed through an international bank determining if any were suspicious activities and if a SAR was recommended or if an RFI was required.
• After careful consideration and review, prepared the SAR. The SAR was reviewed and the final version was approved.

Forensic Auditor

Confidential, New York, NY

Responsibilities:

• Proactive Team Leader in a Group of 5 Tax Professional, determining tax documents required according to the transactions involved, reviewing and determining validity, and contacting Clients all over the world to obtain tax documents.
• Proactive Team leader in a group of 6 forensic accountants, reviewing High Risk transactions processed through an Investment Bank, U.S. dollar clearing center.
• Look-back transaction review Manager, AML team
• After careful consideration and review, the SAR was authorized to be processed by the SAR committee and then I prepared the SAR. The SAR was reviewed and the final version was approved.
• Assignment of client contacts to different analyst, determining specific task and prioritizing.
• Coordinated all the KYC requirements for remediation projects at Calyon, in New York.

Forensic Auditor

Confidential, Whippany, NJ

Responsibilities:

• Reviewed of all transactions processed through a U.S. dollar clearing center.
• After careful consideration and review, the SAR was authorized to be processed by the SAR committee and then prepared the SAR. The SAR was reviewed and the final version was approved.

Forensic Auditor

Confidential, New York, NY

Responsibilities:

• Successful Client Contact Team Leader in a group of 6 Portuguese and Spanish speaking AML professionals using also English and French requesting and obtaining documents and information from Clients in Brazil and all other countries in Latin America.
• Obtained the missing information for the client’s KYC files in public web sites or in the search engines available in the financial institutions like Bankers Almanac, Bloomberg, Lexis Nexis or Factiva.

Forensic Auditor

Confidential, Miami, FL

Responsibilities:

• Reviewed of all transactions processed through an international bank.
• After careful consideration and review, prepared the SAR. The SAR was reviewed and the final version was approved.
• Coordinated all the KYC requirements for remediation projects.
• Reviewed KYC files from corporate clients located in different countries in the world determining the completeness and accuracy of the information.

Forensic Auditor

Confidential, New York, NY

Responsibilities:

• Successful Client Contact Team Leader in a group of 6 Portuguese and Spanish speaking AML professionals using also English and French requesting and obtaining documents and information from Clients in Brazil and all other countries in Latin America.
• Obtained the missing information for the client’s KYC files in public web sites or in the search engines available in the financial institutions like Bankers Almanac, Bloomberg, Lexis Nexis or Factiva.

Forensic Auditor

Confidential, New York, NY

Responsibilities:

• Reviewed of all transactions processed through a domestic bank with Clients with cash transactions
• After careful consideration and review, I prepared the report for further processing or SAR determination.

Forensic Auditor

Confidential, Jersey City, NJ

Responsibilities:

• Reviewed of all transactions processed through a U.S. dollar clearing center from 2002 to 200 4.
• After careful consideration and review, the SAR was authorized to be processed by the SAR committee and then I prepared the SAR. The SAR was reviewed and the final version was

Forensic Accountant

Confidential, Stamford, CT

Responsibilities:

• Successful Client Contact Team Leader in a group of 6 Portuguese and Spanish speaking AML professionals using also English and French requesting and obtaining documents and information from Clients in Brazil and all other countries in Latin America.
• Obtained the missing information for the client’s KYC files in public web sites or in the search engines available in the financial institutions like Bankers Almanac, Bloomberg, Lexis Nexis or Factiva.
• Obtained the paper copies for the corporate client’s physical file and upload the document in the electronic version of the file.
• Contacted the clients located in the US or abroad by telephone, e-mail or fax, using English, Spanish, French, Portuguese or Italian, to request missing information like legalized certificates of in corporation, utility bills or updated lists of Managers or Directors or any other required documents.

CFO / Tax Manager/ Compliance Manager

Confidential, New York, NY

Responsibilities:

• Compile analyzed and present monthly financial statements for a Licensed Money Transmitter, with Licenses in Florida and New York.
• Prepared, review and file SAR’s and CTR’s and other required reports with NYS banking Department.
• Execute budget, financial planning and cash management for a company with 100 million dollars in transactions and nine checking accounts.
• Supervise, manage and actively participate in Collections, Accounting, and Company Management supervising the 20 full time employees of the Operations Department and managing 15 professionals in the Finance Department.
• Prepared all the yearly financial audit files for the external auditors to lower external auditing fees.
• Coordinate all the aspects of collections procedures, contacting and following up with the armored truck companies, the collectors’ team and the banks in order to obtain immediate credit for deposits held overnight at financial institutions.
• Supervised and reviewed AML procedures, KYC requirements, coordinating external compliance audits and field testing for the Money Transmitter with the most agents in NY, NJ and CT.
• Provided guidance information to the New York Banking Department, Licensed Services Division
• Detailed and methodical review of AML procedures and methods, setting up the documents policy, internal requirements and agents control to ensure compliance with all AML and KYC for more than 350 agents in the Tri-State area.
• Obtained documents required, and completed and file with Florida Office of Financial Regulation the application to obtain the License FT2, MONEY TRANSMITTERS, PART II.
• Completed and presented all the required quarterly and yearly reports to the NY Banking Department and Florida Office of Financial Regulation.
• External financial audit manager of a Licensed Money Transmitter, West Palm Beach, Florida.
• Conducted independent external compliance audits for financial institutions under the coordination of ECO.
• Training of experienced personnel in AML and KYC regulations, using English, French and Spanish, on Patriot Act, NYS Banking Department and Florida requirements and regulations.
• Compiled, analyzed and review AML procedures and KYC requirements designing the physical files requirements and electronic files fields.
• Hands-on External compliance audit liaison with emphasis in AML and KYC requirements for one of the largest Money Transmitters in New York, reviewing Compliance Manuals and personnel training.

Audit Manager, Managing Partner

Confidential, New York, NY

Responsibilities:

• Supervised, managed and actively participated in Certified Audits completing Forms 10K-SB for a group of 5 public companies specializing in health insurance claims and related activities trading in the Philadelphia Stock Exchange.
• Hired, managed and supervised 12 full time professionals, and employees.
• Compiled, analyzed and reviewed Forms 10Q-SB in a quarterly basis for SEC compliance.
• Prepared, reviewed and approved corporate and personal tax returns for high net worth individuals.
• Internal Audit team member in Paris, France and Turin, Italy for a Manufacturing Industry client under the coordination of PriceWaterhouseCooper.

Controller

Confidential, New York, NY

Responsibilities:

• Actively participated in all financial reporting, budgets and cash flows statements for a business management company with more than 500 not-for profit clients.
• Executed daily operations of accounting, payroll, accounts payable, budgets and MIS including supervision of 5 full time employees.

Senior Accountant, Tax Specialist

Confidential, New York, NY

Responsibilities:

• Provided personalized tax consulting services to corporate, partnership and high net individuals for a firm specializing in taxation.
• Organized and manage individual clients with full responsibility for financial statements, tax preparation and review.

Accountant/Auditor

Confidential, New York, NY

Responsibilities:

• Actively participated in certified audits and provided accounting and consulting to corporate and individual clients for an international accounting firm.
• Set up the operations of the company in Argentina, managing audits for Public Companies in a joint venture with Price Waterhouse during 1993, 1994 and 1995 .
• Prepare federal, state and local taxes.
• Used English, French and Spanish in all aspects of the audit and accounting processes.

Registered Representative

Confidential, New York, NY

Responsibilities:

• Worked as a Stockbroker and Financial Planner for D.H. Blair and Wall Street companies

AVP of Operations/ Letters of Credit/ Loan Administration/ Compliance

Confidential, New York, NY

Responsibilities:

• Supervision, preparation and review of Letters of Credit for the largest branch of the biggest bank from Argentina.
• Set up the Computer system for Letters of Credits issuance and control for New York branch, the most profitable outside Argentina.
• Prepared and reviewed Compliance Manual for the US Branches of the bank.
• Used English, French and Spanish in all aspects of the banking and registration processes.