CAREER OBJECTIVE: To be a part of an organization where I can

achieve both personal and organizational goals. To grow with a company

where I can use my knowledge of the financial services industry, along with

my interpersonal skills, with the goal of being a part of executive

management.

WORK EXPERIENCE:

FIRST CITZENS BANK (f/k/a Sun American Bank); MIAMI, FL. (December 2005 -

March 2010)

Executive Vice President / Chief Compliance Officer

Management and supervision of all personnel and activities in the bank's

BSA/AML & Consumer Compliance and Security departments, including the

authority to file Suspicious Activity Reports.

Oversight of the bank's internal audit and compliance programs to ensure

compliance with federal and state banking laws and regulations.

Review bank policies and procedures to ensure compliance with federal and

state banking laws and regulations.

Coordinates the implementation of new regulatory changes and requirements

with the affected area department managers.

Coordinate the correction to deficiencies noted by the internal and

compliance auditors and prepare responses based on the audit findings.

Compile all reports submitted by internal auditors and prepare Audit and

Compliance Committee packages.

Prepare monthly reports pertaining to regulatory compliance and

documentation requirements to submit to the bank's Audit and Compliance

Committee, and for taking minutes to same.

Review all proposed products and services to ensure compliance with

applicable federal banking regulations.

Provide compliance training and coordinate computerized based-compliance

training for all staff.

Oversight and coordination of regulatory examination response process.

BANCO INTERNACIONAL DE COSTA RICA; MIAMI, FL. (July 2000 - December 2005)

Vice President / Compliance Officer

. Day to day oversight of Agency's compliance with all

applicable laws and regulations, with an emphasis on

anti-money laundering provisions.

. Responsibility for oversight of account documentation

requirements and approval.

. Establishment of ongoing compliance training program.

. Chairperson of Agency's compliance committee.

Assistant Vice President / Risk Manager

. Development, implementation, and maintenance of the Agency's

comprehensive Risk Management function.

. Providing oversight for the Regulatory Compliance Program, including

serving as back-up to the Compliance Officer.

. Ensuring adequacy of internal controls and procedures.

. Serving as an active member of all Agency committees.

. Serving as liaison between Agency and regulatory authorities.

WORK EXPERIENCE (cont.):

FEDERAL RESERVE BANK OF ATLANTA Miami Branch (June 1998 - June 2000)

Associate Examiner II (Supervision and Regulation)

. Assisting Examiner In Charge in the review of international banking

entities.

. Duties include analyzing banks' ratios, regulatory compliance, policy and

operations reviews, assessing credit review systems, and directing pre

and post examination functions.

HSBC F/K/A REPUBLIC NATIONAL BANK OF NEW YORK (May 1993 - May 1998)

Assistant Treasurer / Compliance Officer

. Assisting Regional Compliance Officer with all aspects of regulatory

compliance, with an emphasis on the Bank Secrecy Act, and other Ant-Money

Laundering provisions;

. Branch documentation reviews, handling all types of legal servings.

. Additional function as assistant local security administrator, which

requires familiarity with all data systems, including LANs.

Commercial Loan Processor

. Pre-funding loan document review, loan processing, maintenance, research,

report verification, credit inquiries.

FIRST UNION BANK F/K/A SOUTHEAST BANK (February 1990 - May 1993)

. Credit Card Collector: Automated & manual telephone collections/clerical

work

. Commercial Loan Processor: Processing, review, research, report

verification.

EDUCATION/CERTIFICATIONS: Certified Risk & Compliance Management

Professional ("CRCMP")

Int'l Assoc. of Risk & Compliance Professionals, April

2010

Senior Compliance Officer ("SCO")

Florida International Bankers Association, September 2006

Florida International University

Bachelor's Degree; Finance / Mgmt., December 1996

Miami Dade Community College

Associate in Arts Degree, April 1992

American Institute of Banking

Foundations of Banking Diploma, April 1986

Miami Coral Park Senior High School

Graduated 1980

OTHER KNOWLEDGE: Proficient in Microsoft Office (MS Word, Excel,

PowerPoint), and all types of Personal Computers /

software.

PERSONAL: Bilingual: English and Spanish

HOBBIES: All sports, home improvements.

REFERENCES: Available upon request.

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