Joaquin Gabaldon, Esq.

United States 305-***-**** ad34jj@r.postjobfree.com linkedin.com/in/joaquin-gabaldon-366764a COMPLIANCE DIRECTOR

Bilingual, versatile compliance director with extensive experience in auditing, compliance program management, and investigations. Adept at partnering with cross-functional teams to monitor data, identify outliers that may indicate fraud and abuse, and perform routine compliance audits. History of success in creating and implementing policies and procedures and training programs that comply with regulatory requirements and minimize risk. Proven ability to manage programs from inception to execution.

AREAS OF EXPERTISE

Fiduciary Compliance Compliance Programs Compliance Assurance Compliance Testing & Monitoring Ethics Mergers & Acquisitions Audit and Exam Management Consumer, Corporate, and Private Banking AML/KYC, BSA, FCPA, OFAC & US Sanctions Training Insurance Management Assessment Securities Regulatory Subject Matter Expert (SME) Corporate Governance Independent Compliance Risk Management (ICRM) Attention to detail Testing, monitoring and Reporting Due Diligence and Third-Party Management Product Management Strong leadership skills Level expert understanding of financial industry regulations Strong solving problems skills Quality Assurance EXPERIENCE

International Compliance Solutions, Miami, FL 7/2023 Senior Consultant

Creating and maintaining a robust compliance framework for clients in the banking financial services industry. Developing and updating clients’ policies, processes, and procedures to satisfy regulatory requirements. Assisting the clients in implementing the compliance program to ensure adherence to regulations. Gallagher, Miami, FL 2021 – 6/2023

Latin America & Caribbean Compliance Officer

• Provide strategic leadership on compliance initiatives, including acquisitions, portfolios, and framework for brokerage insurance and re-insurance products.

• Led a team of 10 compliance officers to execute compliance policies and testing protocols, evaluating adherence to relevant laws, procedures, and corporate policies. • Implemented rigorous quality assurance measures to uphold documentation and quality standards for control testing assignments. Conducted periodic reviews and audits to pinpoint areas for enhancement.

• Create a structured communication plan that facilitates regular updates, progress reports, and issue resolution. Utilize video conferences, emails, instant messaging, and other collaboration tools to keep the team connected.

• Foster a collaborative team environment where members can share ideas, best practices, and lessons learned from their experiences. Encourage peer reviews and constructive feedback to improve the quality of work.

• Regularly monitor the progress and performance of individual team members and the overall team. Address any issues or challenges promptly and provide guidance and support as needed

• Develop, drive, and implement processes, policies, and procedures to ensure compliance with laws, regulations, and corporate policies, including anti-corruption and anti-bribery (third-party due diligence review process, FCPA, OFAC)

• Collaborate with stakeholders in internal audit investigations and allegations of non-compliance with policies, laws, and regulations

• Collaborated and guided matrixed legal and compliance personnel executing the Global Financial Crime Compliance Target Operating Model.

• Successfully implemented the third-party selection policy, processes, and procedures throughout Latin America and the Caribbean. The primary goal was strictly adhering to legal requirements and regulations, particularly antibribery and anticorruption measures.

Gabaldon & Associates, Miami, FL 2014 - 2020

Founder & Managing Director

• Advised foreign financial corporations on AML compliance, including assessment of risks, development of policies, implementation of firm AML policy, and appropriate governance/MIS mechanisms and fiduciary matters for starting businesses in the U.S.

• Developed an Enterprise Risk Management (ERM) framework for leadership to assess and monitor legal, compliance, and regulatory risks to manage and mitigate exposure effectively. The implementation of the ERM policies and procedures were successfully accepted by the regulators Joaquin Gabaldon, Esq. ad34jj@r.postjobfree.com Page 2 Deloitte Touche Tohmatsu Limited (Deloitte), Boca Raton, FL 2010 - 2014 Governance Regulatory Services Manager - Enterprise Risk Services Developed and implemented an integrated Enterprise Risk Management (ERM) framework.

• Assessed clients’ ERM approach to developing sustainable compliance, monitoring, and testing for risk management programs to improve compliance and cost management effectiveness.

• Influenced clients’ decision-makers by presenting solutions to manage enterprise-wide business, financial, and regulatory risks, AML/KYC, BSA, FCPA, Anti-Bribery, Anti-Corruption, sanctions, and compliance on a sustained basis.

• Identified compliance issues throughout the organization, interacting with regulatory authorities and responding to inquiries, investigations, and regulatory actions.

• Performed compliance risk assessment gap analysis to ensure compliance with laws and regulations, including TILA, UDAAP, Reg. K, Reg. 23A/B, Reg. Z, Reg. D, AML/KYC, BSA, FCPA. Citibank (a Citigroup Subsidiary), North America 1993 - 2008 Director Global Compliance Private Bank and Fiduciary Policy Owner, New York, NY Established an enterprise-wide, holistic approach to compliance and regulatory efforts, effectively identifying best practices and standardizing policies; introduced formal compliance training to Citibank; collaborated with trainers and critical stakeholders to architect an effective program Acted as Compliance Liaison with the US and foreign regulators and internal control units for reviews and exams across several businesses/sectors/regions (i.e., coordinating the preparation of OCC Regulation 9 annual Fiduciary Assets Report). Developed, initiated, maintained, and updated the Fiduciary Policies and Risk Control Self-Assessment (RCSA) for the general operation of fiduciary products to prevent illegal, unethical, or improper conduct. Produced reports for the Global Coordinating Fiduciary Committee of the Board of Directors and leadership. Conducted compliance and audit peer reviews and M&A activities. Participated in the AML/KYC reviews of private clients (mainly public figures). Director Latin America Regional Compliance for Retirement Services, Miami, FL Oversaw all Citigroup joint-venture, majority ownership retirement services to regional clients. Spearheaded credit review of issuers for pension funds in Argentina, Colombia, and El Salvador. Supervised a 10-member team of product and risk managers in Argentina, Colombia, and El Salvador. Created and implemented corporate governance and compliance operating model for all pension businesses in Latin America consistent with Citigroup International requirements. Managed a team of 10 compliance officers to implement compliance policies and testing guidelines to determine compliance with applicable laws, processes, procedures, and corporate policies Established robust quality assurance processes to ensure control testing assignments meet the required documentation and quality standards. Conduct regular reviews and audits to identify areas for improvement. Conducted monitoring and testing activities for adherence to corporate and regulatory requirements. Implemented all AML, FCPA, BSA laws, policies, and procedures in Latin American countries where Citigroup had majority ownership in the entities providing retirement services to local clients. Performed AML/KYC and CIP reviews of high-profile clients in Latin America. Participated in worldwide post-acquisition reviews of several businesses. Vice-President Latin America Audit Risk Review (ARR), Miami, FL Served as regional liaison for the Latin America Investor Services Division, covering the region's asset management, private banks, pension funds, insurance, and fiduciary activities. Oversaw all audit activities for Latin American asset management, private bank, pension funds, insurance, and fiduciary endeavors, ensuring alignment with corporate policies and strategies. Led and conducted post-acquisition reviews covering product offerings and compliance matters related to trust, asset management, private banking, insurance, and pension fund services. Conducted post-acquisition reviews of businesses acquired in Latin America to ensure the new businesses adhere to laws and regulations, including but not limited to AML/KYC, FCPA, Patriot Act, and BSA. Developed standard audit programs for asset management, pension funds, retirement services, insurance, and fiduciary businesses. Managed a team of 20 auditors of the investor services division (i.e., new account openings, customer documentation requirements, KYC requirements, balance movements and transfers, etc.)

EDUCATION

LLM in International Banking Law

Boston University, Boston, MA

JD

Universidad Católica Andrés Bello, Caracas, Venezuela Member of the Venezuela Bar Associations

Languages

English (fluent) Spanish (fluent)