Chabe Toro

Senior Compliance & Regulatory Leader with extensive experience across energy, banking, insurance, legal, and retail sectors. Expert in FEMA, NAIC, FDIC, Dodd-Frank, AML/BSA, and federal reporting standards. Skilled in contract administration, vendor management, risk mitigation, and cross-functional team leadership.

Strong record in compliance, program design, audit readiness, and executive advisory. Experienced in leading large-scale initiatives, enhancing process efficiency, and managing regulatory-driven programs.

Finance Manager at Olivia Boutique (2024-12 – Present)

• Responsible for full financial operations, including cost reconciliation and expense monitoring.
• Manage payroll processing, compensation administration, and employee benefits programs.
• Conduct cost and margin analysis to business strategy, pricing accuracy, and profitability.
• Oversee financial controls and ensure accuracy in boutique financial reporting.

Section Manager, Contract Administration at Luma Energy (2024-01 – 2024-12)

• Directed AMI executive team in contracting & execution of $877MM projects, ensuring FEMA compliance.
• Provided logistics training to the Vegetation Management Team, supporting $1.2B CUM compliance with FEMA standards.
• Led cross-functional teams to streamline project execution, enhance vendor coordination, and reduce operational risks.
• Developed and implemented training programs for contract administrators and invoice specialists, improving contract execution efficiency.

Regulatory Compliance Advisor at Oriental Bank (2023-01 – 2023-12)

• Spearheaded regulatory loan review process, ensuring compliance with 12 CFR §345 and federal banking standards.
• Achieved backlog reduction, completing 2022 Q4 regulatory loan applications for federal reporting.
• Led training sessions for new compliance recruits, enhancing operational efficiency.
• Assisted in preparing for Dodd-Frank Act §1071 rollout, developing compliance work plans for future regulations.

Project Manager at Arroyo & Ríos Law Firm (2022-01 – 2023-12)

• Led Corporate Governance Annual Disclosure compliance project for a leading insurance company under NAIC Rule 104.
• Developed new disclosures, risk mitigation strategies, and compliance reports.
• Identified contractual risks and improved regulatory documentation processes.

Licensed Broker at Real Estate Broker (2019-01 – Present)

• Negotiate high-value real estate transactions, manage contracts, and coordinate title insurance policies.
• Provide concierge services for Act 60 investors, assisting with legal, financial, and relocation needs.

Relationship Management Associate at Citi International Financial Services (2015-01 – 2016-12)

• Managed high net worth offshore investment clients, ensuring compliance with BSA/AML regulations.
• Conducted due diligence & risk assessment for high-risk clients, enhancing portfolio security.
• Assisted in designing diversified investment strategies for family-owned business portfolios.

Branch Developer, Popular Risk Services at Banco Popular de Puerto Rico (2011-01 – 2014-12)

• Developed cross-selling initiatives for Lie Insurance & Annuities, increasing sales by 115% YoY.
• Re-designed annuities operational procedures, streamlining accounts payable from 6 to 2 weeks.
• Led compliance reporting & FINRA regulatory audits.

Various Roles in Investment & Wealth Management at UBS Financial Services Incorporated of Puerto Rico (2004-01 – 2011-12)

• Served as Senior Investment Analyst, Institutional Consulting, optimizing high net worth client portfolios.
• Designed and implemented an educational training program for financial advisors, improving consultative selling skills.
• Acted as liaison between financial advisors and senior consultants, improving internal operations.

Financial Advisor at Morgan Stanley (2001-01 – 2004-12)

• Managed a $3MM investment portfolio, achieving FINRA licenses 7, 31, 65, and 66.
• Led client acquisition efforts through networking relationship management, and financial advisory training.

Bachelor of Arts in Economics – Villanova University (2002-05)