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Emma

CabreraCAMS Certified - V. P. BSA / AML Manager

**** *.*. *** ******* Miami, FL 33018

Home: 305-***-**** Cell phone: 786-***-****

abqmek@r.postjobfree.com

Key Strengths and Competencies: CAMS Certified - ACAMS 2005. Highly experienced professional with extensive MSB experience. Proven Leadership and team building skills. Highly focused and results driven. Skillful in policy / procedure development and implementation. Adept in mitigation of relationship and credit risk through the unique integration of financial, transactional, and situational customer analysis.

BankUnited (Formerly BankUnited FSB) 01/2008-Present

VP Assistant BSA/AML Risk Manager - CERTIFIED ANTI-MONEY LAUNDERING SPECIALIST Re-Vamped the BSA /AML Risk Management Department's control process, policies, procedures, and testing mechanisms. Established and maintained cooperative and good working relationships with state and federal supervisory and regulatory entities. Developed programs and strategies to enhance bank wide Compliance and AML awareness. Implemented an "Awareness Program". Developed controls and tracking mechanisms to ensure necessary enhanced due diligence is performed on high risk clients and ensure the files are adequately documented. Performed site visits to customers locally. Manage relationships with Senior Bank Managers and Board Members Performed training for staff members on BSA and KYC regulations to develop skills and improve the productivity levels of all employees. Manage/evaluate 6-9 employees to achieve Bank objectives.

E & M Compliance Consultants Inc. 2002-01/2008

VP BSA/Compliance Manager-CERTIFIED ANTI-MONEYLAUNDERING SPECIALIST Provided consulting services to Money Services Businesses on BSA / AML Regulations Development and Implementation of BSA Anti-Money Laundering Programs for 'Money

Services Businesses (MSB's)* and 'Correspondent Banks* Performance of BSA Audits to ensure compliance with all applicable regulations Creation of Anti-Money Laundering Manuals as well as operations manuals when

applicable Performance of periodic site visits to high risk customers in Central and South America as well as the Caribbean.

AmTrade International Bank, Miami, FI 2001-2002

Assistant Vice President Compliance/BSA Officer Bank Closed Enhanced the Compliance Departments control process, policies, procedures, and testing mechanisms. Enhanced the internal audit control procedures, strengthened bank policies and implemented an effective monitoring program. Established and maintained cooperative and good working relationships with state and federal supervisory and regulatory entities. Developed programs and strategies to enhance bank wide Compliance and Audit awareness. Implemented an "Awareness Program". Perform quality control audits of CTR's and new account documentation to ensure compliance with Bank Secrecy Act (BSA), protocols such as KYC, OF AC including US Patriot Act and adhere to company and federal procedures for reporting suspected activities. Significantly (82%) reduced Currency Transaction Report (Form 4789) amendments. Established internal controls to "effectively" monitor the Special Products Unit. Developed new account controls and tracking mechanisms to ensure necessary information is obtained from the customer to process new accounts. Performed site visits to customers in Central and South America. Audited local and international customers (Money Services Businesses and Correspondent Banks) to ensure compliance with the US Patriot Act. Performed training for staff members on BSA and KYC regulations to develop skills and productivity levels of all employees. Manage relationships with Senior Bank Managers and Board Members Manage/evaluate 12 employees to achieve Bank objectives.

BAC Florida Bank, Miami, FI 1999-2001

Senior Compliance Specialist Retrieve account history to analyze, detect and monitor suspicious activity such as money laundering, structuring, and fraud. This crucial procedure ensures adequate reporting of Currency Transaction (CTR)/Monetary Instruments (MIS) to federal agencies. Ensure compliance with Bank Secrecy Act (BSA) protocols such as KYC, OF AC and adhere to company and federal procedures for reporting suspected activities. Develop a simple "equal opportunity in lending" policy statement and periodically discuss it with staff to assure that lending personnel are applying standards appropriately. Train staff on operation of system applications including ASSISTCK Software and

provide technical support. Created and implemented procedures and logs to facilitate tracking of document and

report production volumes. Review new accounts at account opening to ensure all documentation needed has been

furnished (audited financial statements, Articles of Incorporation, etc) and the necessary

forms have been properly filled out (W-8, OFAC, KYC etc). Conduct research on paid off loans (as needed). Reviewed several Wire Transfer Activity Reports Incoming/Outgoing by Remitter/Beneficiary on a monthly basis. Review International Pouch Deposits on a random basis to identify any unusual activity/suspicious activity. Request documentation from the correspondent banks to back up the findings. Generated SAR's (Suspicious Activity Reports) for all suspicious activity identified. Prepare clear and concise written reports on the results of the compliance/audit review. Monitoring status of outstanding audit issues and prepared regular progress reports.

Bank of America (former Barnett Bank), Miami, FI 1994-1999

Compliance Team Coordinator III Department relocated to Phoenix. Arizona Performed quality control audits to ensure accuracy and proper handling of CTR's and SAR's on a timely basis by the Compliance Clerks. Researched accounts exceeding profiles. Retrieve account history to analyze, detect and monitor suspicious activity such as money laundering, structuring, and fraud. This crucial procedure ensures adequate reporting of Currency Transaction (CTR)/Monetary Instruments (MIS) to federal agencies. Request documentation from account officers for all questionable transactions identified. Generate Suspicious Activity Reports for questionable/suspicious activity identified. Performed training to Tellers to ensure proper handling and processing of transactions.

EDUCATION Bachelor of Science Business Administration, April 2010 'Magna Cum Laude*, Dean's List ACAMS Certification March 2005

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