Director - Regulatory, Enterprise Credit at BANK OF AMERICA (2024-07 – Present)
Reporting directly to a Managing Director within Enterprise Credit.
- Lead regulatory oversight for critical credit-risk and credit-reserve processes, connecting regulatory requirements with control execution and management reporting.
- Automated regulatory reporting to improve efficiency, traceability and information quality.
- Implemented controls designed to strengthen the control environment around key Enterprise Credit processes.
- Designed and implemented executive metrics and Key Risk Indicators (KRIs) to enhance risk monitoring and senior-management visibility.
- Coordinate initiatives across Risk, Operations, Finance, Technology, Internal Audit and Compliance.
Senior Vice President - Compliance at CITIBANAMEX (2022-08 – 2024-06)
- Provided regulatory advisory and compliance oversight for Investment Banking and Institutional Credit Management.
- Led Compliance Risk Assessments: identified risks, mapped controls to regulation, assessed design and effectiveness, and defined corrective action plans.
- Executed monitoring and testing routines to identify compliance gaps and support remediation.
- Approved sensitive corporate loans and capital-markets transactions.
Director - Internal Control at CREDIT SUISSE MEXICO (2008-10 – 2020-12)
- Led regulatory-change identification, communication and implementation through cross-functional working groups, reporting progress to senior-management forums.
- Managed relationships with CNBV, Banxico, IPAB, BMV, BIVA and MexDer; coordinated regulatory examinations and rating-agency interactions.
- Implemented a compliance monitoring system that contributed to an 80% reduction in fines levied.
- Collaborated on design and functional testing of a new KYC/AML monitoring solution and participated in Risk, Audit, AML, Sales Practices and Regulatory Reports Committees.
Compliance Manager at ACCIONES Y VALORES BANAMEX (CITIGROUP) (2003-01 – 2008-10)
- Built broad securities-compliance expertise across regulated products, trading activities, investment processes and financial-services governance.
- Developed Compliance coverage for Asset Management, Equity Research, Investment Banking and Global Securities Services, adapting global frameworks to Mexican regulation and market practice.
- Established monitoring over trading desks and discretionary-account and mutual-fund investment processes covering approximately US$18 billion in assets under management.
- Acted as Compliance SME in due-diligence processes related to Citigroup acquisitions in Japan, Brazil and Central America.
- Advised affiliates on fiduciary matters, corporate governance, global policies and Mexican regulatory requirements.
External Auditor at KPMG (1996-09 – 2002-12)
- Planned and executed audits of financial institutions and services companies; prepared financial statements under Mexican GAAP and US GAAP.
- Performed agreed-upon procedures and forensic reviews, prepared audit reports and coordinated tax, valuation and loan-portfolio specialists.
Regulatory / AML / Forensic Advisory at FREELANCE CONSULTANT
- Performed forensic audits and financial-statement reviews across financial, education and food industries.
- Advised on banking and broker-dealer regulatory matters, authorizations and licenses with regulators.
- Served as independent external auditor for anti-money laundering and financial crime; CNBV certified.
