Steven A. Reyes

Proven financial expert with extensive experience in Payment Systems, Compliance, Analytics, Project Management and expertise in the financial services sector, merchant bank acquiring, and credit card issuing. Proven ability to successfully analyze critical business requirements, identify efficiencies, opportunities, and develop innovative solutions for enhancing competitiveness while providing legendary customer service. Strong finance and technology background with the ability to understand key business drivers, identifying core metrics, achieving cost savings, operational efficiencies, risk management of all bank payment systems, wires, checks, ACH, Prepaid Cards, Debit & Credit Cards, Merchant Reserves, FED Clearing and Settlement.

Principal - REYES & ASSOCIATES - New York, NY

(2021-01)

Experienced professional conducting compliance reviews of ACH policies, procedures and transactions to ensure adherence to the National Automated Clearing House Association rules. Management reports are prepared to assist executive management and ACH personnel in their understanding of the rules and provide recommendations to improve the overall ACH program.

Director, ACH Financial Platforms - ESQUIRE BANK, NA - Jericho New York, NY

(2016-01 - 2021-12)

Delivered operational, financial, governance and compliance projects.

• Implemented Bank's New ACH Gateway by certifying this system with the Federal Reserve Bank.
• Completed 20 plus credit card implementations with TSYS, TriSource, NCR, Fiserv, First Data, ISOs, and Third-Party Senders.
• Delivered solution for Board Reporting on a $30 Billion portfolio of Merchant Credit Card Processing and ACH Origination.
• Developed Procedures for Underwriting, Enhanced Due Diligence of High-Risk Verticals, and FED Testing Sandbox.

Project Manager - Strategic Portfolio Delivery - TD BANK, NA - New York, NY

(2008-01 - 2015-12)

Managed and implemented operational, financial and compliance projects in FIS Global Core Banking Systems Environment.

• Migrated acquired banks to TD Bank's Fidelity Information Systems Core Banking Platform.
• Remediated Matters Requiring Attention by the Federal Reserve Bank through ACH Risk Mitigation and Enhanced Due Diligence.
• Completed multiple transformation projects of Imaging Check utilizing Design for Six Sigma saving $80 million annually.

Director of Bank Operations - CARVER FEDERAL SAVINGS BANK - New York, NY

(2006-01 - 2007-12)

Managed all back office functions including ACH, Check Processing, Wire Transfers, ATMs, Debit Cards, Subpoenas & Levies

• Completed the migration of Community Capital Bank's Fiserv system to the Open Solutions Inc. platform.
• Established a Project Office that managed technology projects including transformation of check processing, implementation of new online banking system, business process improvements, new product development, business requirements and QA testing.

Master of Business Administration - Business Administration - Howard University Washington, DC

Bachelor of Science - Science - Seton Hall University South Orange, NJ