Angel Larreal

Regulatory, compliance, and data-governance professional with legal training, an Masters in Business Administration in Finance and Supply Chain Management, and hands-on experience supporting structured, deadline-driven control environments within financial services. Strong background in AML/ATF, sanctions screening, KYC, regulatory documentation, and data-driven risk assessment, including high-volume SWIFT payment review, escalation management, and audit-ready decisioning across jurisdiction-specific requirements. Skilled at translating regulatory and policy requirements into practical operational steps, controls, and workflows that support timely execution, consistent service levels, and risk-based decision making.

Experienced in process improvement, workflow monitoring, stakeholder collaboration, and identifying recurring false positives to enhance automation and reduce manual effort. Fluent in English and Spanish, with basic French proficiency, and effective at partnering with cross-functional teams across Legal, Compliance, Risk, Operations, and Technology to support scalable, compliant, and audit-ready outcomes.

Senior Payment Analyst, AML/ATF and Sanction Screening - Level 1 (Contract, Full-Time) - Bank of Nova Scotia - Toronto, Ontario

(2025-08)

• Conduct high-volume sanctions screening of national and international SWIFT payment messages (average of 900-1,200 transactions per day), ensuring activity does not involve sanctioned countries, entities, or individuals.
• Review SWIFT payment messages against internal and external sanctions lists, such as OFAC and WORLD-CHECK, confirming that transactions align with Scotiabank's risk appetite, sanctions framework, and AML expectations before release or escalation.
• Prioritize and clear alerts within jurisdiction-specific Service Level Agreements (SLAs) for the multiple countries where the bank operates, maintaining both speed and quality in decision-making.
• Identify patterns in recurring false positives and provide structured feedback to sharpen automation and refine screening rules, reducing noise and improving the effectiveness of first-level controls.
• Document screening decisions in an audit-ready manner, providing clear rationales that support regulatory reviews and internal quality assurance.
• Work closely with the Level 2 investigations team, escalating potential true matches with structured case summaries and collaborating to improve accuracy and overall service levels.
• Contribute to continuous improvement initiatives for payment screening processes and procedures, supporting a strong, risk-based financial crime compliance framework.

Compliance Officer, co-op placement - Canfin Financial Group of Companies - Toronto, Ontario

(2025-04 - 2025-06)

• Supported the submission and tracking of Continuing Education (CE) credits on the Mutual Funds Dealer Association (MFDA) portal to ensure licensing compliance.
• Reviewed sales communications, including business cards and social media, for adherence to regulatory and internal standards.
• Participated in Annual Compliance Questionnaire revisions and the review of complaint and jurisdiction files.
• Shadowed Tier 2 reviews of trading activities and assisted in refining internal compliance workflows for greater efficiency.
• Conducted preliminary reviews of client documentation for Know Your Customer (KYC) compliance and flagged discrepancies for further investigation.
• Performed a Know Your Customer (KYC) uniformity test to evaluate the consistency of client onboarding practices across departments and identified regulatory reporting gaps or inconsistencies.
• Assisted in the preparation of internal audit materials and compliance monitoring reports to support risk management initiatives.
• Monitored regulatory updates from Mutual Funds Dealer Association (MFDA) and Canadian Investment Regulatory Organization (CIRO), summarizing key changes for internal distribution.
• Collaborated with the compliance team during Association of Canadian Compliance Professionals (ACCP) meetings, documenting key action items and follow-up tasks.

Manager II - HERTZ Rent-a-Car - Mississauga, Ontario

(2023-03 - 2025-04)

• Improved Net Promoter Score (NPS) by 20% through enhanced customer service processes.
• Implemented procedural improvements focusing on regulatory compliance, reducing operational discrepancies by 15%.
• Analyzed fleet data to identify usage trends and mitigate financial risk.
• Led cross-functional collaboration efforts, achieving 95% adherence to customer service SLAs.

Warehouse Associate, Team Leader - Automann Heavy Duty Canada - Brampton, Ontario

(2021-05 - 2023-03)

• Increased team productivity by 25% through process optimization and targeted training.
• Conducted safety compliance inspections, resulting in a 30% reduction in warehouse incidents.
• Collaborated with senior management to implement inventory process enhancements, saving more than CAD $10,000 annually.

Professional experience Gap - Canadian Immigration Process - Brampton, Ontario

(2019-05 - 2021-04)

Corporate Lawyer - Self-Employed - Maracaibo, Venezuela

(2017-12 - 2019-04)

Anti-Money Laundering & Terrorist Financing Analyst - Banco Occidental de Descuento - Maracaibo, Venezuela

(2017-07 - 2017-12)

• Investigated suspicious transactions in line with SUDEBAN guidelines, improving regulatory compliance by 20%.
• Implemented updated Anti-Money Laundering (AML) policies and flagged high-risk accounts for enhanced due diligence.
• Trained junior staff on Anti-Money Laundering and Counter Terrorist Financing (AML/CTF) protocols, strengthening internal compliance culture.
• Conducted ongoing Know Your Customer (KYC) reviews and introduced automated transaction monitoring, increasing detection accuracy by 30%.

Corporate Lawyer - Self-Employed - Maracaibo, Venezuela

(2013-01 - 2019-04)

• Drafted Articles of Incorporation and bylaws, ensuring all foundational documents met strict commercial and regulatory standards.
• Managed the legal constitution of new businesses, performing deep-dive due diligence on corporate ownership and structures.
• Spearheaded the end-to-end lifecycle of judicial filings, maintaining meticulous, audit-ready documentation for all cases.
• Provided strategic legal counsel to corporate clients, identifying regulatory gaps to prevent litigation and ensure compliance with various government agencies, such as SENIAT, SENCAMER, Ministerio Publico.
• Interpreted complex legislative updates and judicial rulings, translating technical requirements into actionable business advice for individuals and corporate customers.

Assistant District Attorney (Internship) - Ministerio Público - Maracaibo, Venezuela

(2012-09 - 2012-12)

• Prepared trial materials and filed pleadings, ensuring compliance with strict court deadlines.
• Organized exhibits and drafted legal documents, including interrogatories and requests for admission.
• Managed case schedules, record-keeping, and administrative functions to support district attorneys.

Masters in Business Administration - Finance and Supply Chain Management - Niagara University (2025)

Financial Compliance Administrator Certificate - Seneca Polytechnic (2025)

Diploma in Venezuelan Criminal Procedure - Universidad Rafael Belloso Chacín (2014)

Lawyer Degree - Faculty of Legal and Political Sciences - Universidad Rafael Belloso Chacín (2013)