Project Manager Financial Analyst

Pedro A. Carvajal, MBA (US Citizen)

New York, NY - **************@***.*** - ***********@*****.*** - 347-***-**** m. Seasoned Professional Hands-on Senior Accountant/Auditor, SAR Writer, Corporate Operations / Risk Control Operations / Strong knowledge of Global Investment Banking, Commercial Loans, Funds Transfer, Compliance: OFAC, AML, SOX, KYC. SUMMARY

Ø Achieved success and expertise in Corporate Operations, Treasury, Compliance and Regulatory Reporting: GAAP, IFRS, ISDA, SEC, FINRA, OFAC, OCC, AML, KYC, SOX, Dodd-Frank. Coordinated operations with external auditors. Ø Coordinated integration of financial applications: General Ledger, Swaps, Fixed Income, Multi-Currency Letters of Credit. Ø Reviewed investment transactions: Bonds, Stocks, Credit Derivatives and Options & Futures: T-bill’s and Funds Transfer. Ø Prepared reports on fund valuations, consolidations, forecasting and variances regarding fixed income & derivative products. Ø Performed AML & KYC investigation on new and existing records. Daily interaction with Compliance and Legal Departments. Ø Executed AML audits in the reconciliation process of major bank mergers: Chemical & Chase, JP Morgan and Bank One. Ø Reviewed commercial loans, inter-company domestic & international funds transfer, Consolidated Balance Sheet and P&L. Ø Supervised General Ledger posting, analysis and monthly accounting closing and prepared reports for regulatory compliance Ø Coordinated accounting operations with external auditors and prepared documentation and journal entries as requested. Ø Ability to handle stress, meet deadlines and excellent communication skills. Fluent in Spanish. FINANCIAL APPLICATIONS

Trading Systems: ADP, OPICS, SUMMIT, MIDAS, PEOPLESOFT, HORIZON, GLOBAL SWIFT, DTC & PEGA. GMI Global Futures & Options System, NYMEX-ClearPort, Business Objects, Swisskey, FIS, GIFTS-EDD. Banking Systems: ASTRA, Data Collection, POPS, RMDS, MAINSTREAM, TSO, TSS, SQL, SAS, PEGA CHIPS, SWIFT, DAYNACOM, RDBMS, ATX, DATASTORE, TAS, STARS, Calypso, BLISS, SATURN, SUNGARD, BDAS, UNIFI, Rolfe & Nolan (R&N) SEQUENT, KONDOR, SAP, ORACLE, SYBASE, SQL, HYPERION, FISERV, VEDITPLUS, LAWSON, CRYSTAL REPORTS, IDOM’S REG-REPORTER, ADVENT/GENEVA, EuroClear, Timberline, QuickBooks, i-Vault, SKYC, ECOS, XBRL, SUN, PM10, EOD, Visio, Relativity, Mantas, Actimize, Case-Tracker Technical Skills: MS Office Certification: Word, Power Point, Excel: Pivot Tables, VLOOKUPs. Proficiency with search systems. Pragma Corporation – Washington, DC - USAID [07/16- 02/17] Auditor, Financial/Business Analyst, Project Manager – KYC/AML Compliance Traveled to South Asia in to supervise the implementation of a Central Know your Customer Organization (CKO) to centralize the operations control around the client on-boarding and the account management for KYC in Capital Markets in the public sector for investments in securities trading activities, funds transfer, maturity of commercial loans in the public debt and letters of credit to improve financial development by enhancing better controls according to Anti-Money Laundering (AML) international standards. Performed Hands-On Testing and User Acceptance Testing (UAT) for Know Your Customer/Client (KYC) new and existing systems. Provided recommendations with Data Distribution, Statistical Analysis, IT Auditing, Profile Thresholds and Charts visualization results for KYC/AML international compliance. Attended meetings & interviewed Bank & Government AML Compliance Officers. CARVAJAL ACCOUNTING SERVICES FORENSIC INVESTIGATIONS BACK LOG PROJECTS - [11/15 – 07/16] Assisted Clients for Critical Global Projects in Banking, Investment, Finance, Government and Diversified Industries Senior Tax Accountant, Financial Analyst, AML/KYC Compliance Documentation SAR Writer Regulations

Accomplished clients’ expectative focusing in accounting, finance, tax issues and KYC/AML Financial Crime compliance..

Supervised investigations for compliance such as Know Your Customer (KYC), Anti-Money Laundering (AML), OFAC, FCPA

Performed reviews of Customer Identification Program (CIP) and clients’ tax reports according to ASC740 (FAS 109 & FIN 48)

Systems: ADP, MS Office, QuickBooks, Lexis-Nexis, Case-Tracker, PeopleSoft, Calypso, Hyperion, Mantas, TurboTax, Tax/Go. BBVA-NY - New York City [04/14 – 11/15]

Senior Financial Analyst Investigator – KYC/AML Compliance Consultant - SAR Writer

Investigated, Researched and Prepared BSA, AML, OFAC and Fin-CEN Compliance coordinating operations with regulators.

Researched global transfers for Red-Flag AML Alerts & documented in Case-Notes when escalate into Investigation-Cases when necessary utilizing databases such as Lexis-Nexis, World-Check as well as Google-Search and other Internet websites.

Analyzed and documented transactions for compliance under Fin-CEN 314(a) and Office of Foreign Assets Control (OFAC).

Prepared and documented SAR narratives, customer due diligence (CDD) and enhanced due diligence (EDD) research.

Executed reviews and investigations of Reports in FIS and GIFTS-EDD as well as other systems such as KYC/ECOS.

Performed Quality Assurance and Risk Assessments related to “Peer Review” of randomly selected AML investigation cases.

Reviewed documentation to support compliance with anti-money laundering (AML), USA Patriot Act, Foreign Corrupt Practices Act

(FCPA) and Office of Foreign Assets Control (OFAC). Prepared BSA/AML investigations as requested by Management.

Executed reviews on a daily basis of global bank investment transactions for OFAC and AML financial crime compliance.

Monitored Analyzed and Validated global investment transactions and documented recommendations in Case-Notes.

Systems: Excel, Word, PowerPoint, Lotus Notes, FIS, GIFTS-EDD, Mantas, Case-Tracker, Lexis-Nexis and World-Check.

(Pedro A. Carvajal - Pg. 2 of 3)

David Landau, CPA & Associates – Fairfield, NJ and NY (Consultant On Call) [06/12 – 03/14] Senior Accountant/Auditor, KYC/AML Financial Compliance Analyst, SAR Writer

Managed accounting and financial projects focusing on forensic and KYC compliance/regulations using technical skills.

Reviewed banking clients’ financial statements for analysis, compliance & global regulatory reporting under IFRS, GAAP, and SEC.

Performed Real Estate Commercial Loans audits in compliance with the US Foreign Corrupt Practices Act (FCPA).

Traveled to Mexico to review accounting systems, procedures and documentation of Funds Transfer of partners & counterparties.

Utilized electronic files, software applications. Interacted with lawyers & management to review clients’ financial documentation

Analyzed Consolidated Balance Sheet & Income Statement and reviewed international Letters of Credit transactions.

Interacted with Financial Intelligence Units (FIU) as part of Monitor Team to validate AML review by PwC for HSBC in Mexico.

Reviewed SARs from Intralink system & manual documentation for testing, validation & monitoring suspicious activities.

Reported to PMO & Managing Director of AML Monitoring Team. Systems: Excel, Vision, Intelisis, Relativity, Intralink & Others. JPMorgan Securities – New York City, NY Senior Financial Analyst – Consultant - [08/08 – 06/12]

Managed Financial Analysis & Reporting. Supervised five consultants to support KYC and ML reporting remediation projects.

Documented Phase I, KYC-Analysis of investment fund transfer accounts in Multi-Currency to be analyzed instruments for Listed Derivatives Compliance: Sweep Letter, IRS Tax Determination Letters of Credit to satisfy OFAC auditors’ request.

Retained for phase II, KYC-Analysis of escrow accounts to perform heavy risk analysis and investigative remediation dealing with operations related to Anti-Money Laundering (AML) and bank transactions to support compliance with the Bank Secrecy Act (BSA) and regulations of the USA Patriot Act of 2001. Performed AML & Due Diligence Remediation with Compliance.

Systems used: PeopleSoft, APS, ADP, Mantas, EDGAR, XBRL, GTI, i-Vault and General Ledger Systems Conversion to SKYC. UBS Global Investment Bank– Jersey City, NJ Exchange Traded Listed Derivatives - [03/07 – 08/08]

Analyzed financial instruments: interest rates derivatives, credit swaps, CFDs, commodities, futures & options.

Reviewed daily trade breaks of multi-currency global derivatives GAAP & IFRS and trade amendments.

Interacted with third party to support heavy daily contact by phone and Internet to solve post trade/clearing activities.

Performed reconciliation of external reports broker/dealer statements of financial instruments to internal trading systems and general ledger of trade inserts cleared by the exchange but not booked and trade deletes booked but not cleared.

Supervised funds transfer investments commodities for hard and soft products including futures and options contracts.

Systems: Business Objects, TMS-Daily Register, NYMEX ClearPort, Globe Broker, Swisskey, GMI, Rolfe & Nolan. World Bank - Washington, DC [05/06 – 03/07]

Senior Accountant / Analyst - Financial Management –Consultant

Provided technical accounting assistance in the following areas: Treasury balance sheet and P&L, financial reporting, credit derivatives, trading operations, capital markets, cash management, fixed income, auditing & financial controls.

Analyzed trading support and accounting control for SOX reporting and assisted to external auditors Deloitte & Touché.

Reviewed and validated entries to G/L Testing and monitor of exception & suspense cash items against settlements,

Resolved day-to-day problem solving discrepancies in Letters of Credit for financial reporting under GAAP and IFRS.

Developed & modified procedures for accounting to carry out balance sheet reporting & compliance: FASB 133/149/155

Systems: SUMMIT, TAS, SAP, Oracle, Crystal Reports, Microsoft Office, Lotus Notes and other bank systems. R-G Crown Bank - Orlando, FL [03/06 – 05/06]

Senior Accountant / Auditor / Analyst - Financial Management – Assistant PMO Consultant

Validated accounting for Certain Investments in Commercial Loans, Debt and Equity Securities according to FAS 115

Prepared audit report of security transactions and supporting documentation for independent auditors.

Coordinated Restatement and Validation schedule plan for SFAS: 5, 87, 88, 91, 106, 107, 109,114, 133, 140, 146, 149 and FIN 46.

Assisted in the preparation of Fair Value, Position & Validation Memos. Reviewed Funds Transfer & Letters of Credit.

Used MS Office, MS Project Manager, George/VeditPlus, Fiserv, Unifi, Port-Pro, Hyperion, Lawson, Calypso and PeopleSoft. Amalgamated Bank - New York, NY [12/05 – 03/06]

Senior Accountant / Auditor/ Analyst - Financial Management Consultant

Provided assurance for the Restatement Period in areas of data maintenance and document management, risk & compliance & private banking operations of securities trading in accordance with GAAP. FASB: 133/146/149.

Resolved DTC, Stock, Bonds/Cash breaks of security transactions and prepared documentation for independent auditors.

Assisted in tax accounting entries for commercial loans and conversion of trading systems: SEI to Global Plus Trading G/L System & Horizon – DDA Cash/Bank System and SunGard/Infinity derivatives and other systems. GLOBEOP - NEW YORK, NY [06/05 – 12/05]

Senior Accountant / Auditor Financial Analyst – Consultant for Archeus Capital

In accordance with US GAAP & IFRS, provided assurance regarding global custody, foreign tax reporting and securities trading. Resolved Cash Breaks and prepared Hedge Funds reconciliation: Positions & NAV and supporting document.

(Pedro A. Carvajal - Pg. 3 of 3)

MISYS Banking Systems – NY [02/05 – 06/05]

Senior Accountant / Financial Business Analyst – Consultant

Provided technical/accounting guidance and correct application of U.S. SEC, IFRS) and U.S GAAP such as FASB 133/138, 149.

Tested software functionality from back to front office platform operations for the following modules: Equities, Fixed Income, MBS, Repurchase Agreements, Receive/Deliver Free, Commercial Loans, Internal Deals and Funds Transfer Used Excel, Word, Outlook, Access, VBA, SQL, Sybase, Oracle, MIDAS, SUMMIT, OPICS, and Idom’s Reg-Reporter. Lehman Brothers Investment Bank – New York, NY [01/05 – 02/05] Senior Accountant Financial Analyst Consultant: Neuberger Berman Wealth Management Division

Assisted in month-end closing process for G/L in the Accounting Dept. for financial & investment commercial loans.

Improved J/Es functionality process for month-end closing & trade level support for corresponding clearing.

Prepared SEC reports: Form 10-K, Form 10-Q, Form SEC-121 and Form SS20 Public Lot Short Sales. FOCUS Reports Broker-dealers Form X-17A-5 subject to the SEC Net Capital Rule 15c3-1 & Market Volatility Rule 15c3-3.

Prepared tax reports & financial information for fixed income, asset transfer, mutual/hedge funds and other investments.

Used Excel, Access, Word, Lotus Notes, MS Project, MS Office Tools, ADP/IMPACT, DTC, PEOPLESOFT, SEQUENT, Used PeopleSoft for Commitment Control and Commitment Accounting in budgeting and equity product service control. JPMorgan Chase Securities – New York, NY [02/04 - 12/04] Senior Accountant for the JPM Chase Bank One Merger: Consultant (Assistant Project Manager)

Performed AML and SOX audits supporting the Parent Company in the integration conversion/merger process.

Retained to assist in the conversion from CORE to ADP/Impact securities operation process sub-system to interface with Stars General Ledger. It Included investigation to determine the cause of securities settlement breaks: Buy/Sell trades, maturities, coupons/dividends, money market, foreign exchange, commercial loans, redemptions of open Items.

Worked jointly with Project Managers and Bank Officers to support various Finance, Integration AML and KYC Projects.

Attended management meetings to discuss project life cycle, modifications and acted as Project Manager.

Used Excel, Access, Word, Lotus Notes, MS Project, MS Office Tools, ADP/IMPACT, DTC, CORE, BDAS, STARS, RECONPLUS, Bloomberg, Show-Case Queries and other bank systems. Managed 15 consultants. American Home Mortgage Bank – NYC & Melville, NY [09/03 – 12/03] Senior Accountant/Financial Operations Analyst: Consultant (Assistant Project Manager)

Performed Gap Analysis to reconcile accounting differences: cash breaks and general ledger between policies/procedures & actual daily production activities in Real Estate and Commercial Loans.

Preparation of supporting documentation of hedge & risk activities for fixed income securities and derivative products to apply FASB 133/149. Prepared Letters of Credit and Funds Transfer for processing commercial loans for clients.

Analysis for implementation of hedge accounting for the global universe of fixed income securities.

Allocation of mortgage asset backed securities trade settlements and collateralized loan obligations.

Participated in meetings for Budgeting, Forecasting and drafting policies/regulations to apply FASB 133 and provisions of the Sarbanes-Oxley Act of 2002.

Bank of New York – One Wall Street, New York, NY [10/02 - 08/03] Senior Accountant Financial/Business Analyst – Consultant

Analyzed expenses in Access database, which tracked invoices, related to WTC disaster recovery for all expenses & categories.

Reviewed suppliers’ invoices for accuracy and Commitment Control and Commitment Accounting in PeopleSoft.

Performed User Acceptance Testing. Reviewed accounts payable, fees and client billing invoices for track and control. JPMorgan Chase Securities – New York City, NY and Jersey City, NJ [05/98 – 07/02] Senior Accountant Financial Analyst – Consultant Investment Regulatory Reporting Specialist

Worked in special projects and systems conversion of cash and other A/Cs reconciliation of fixed income securities.

Investigated cash settlement activity at JPMSI to resolve Cash Balances held in Mutual Funds & Other Accounts.

Prepared Letters of Credit and Funds Transfer for processing commercial loans for various clients.

Analyzed investments recorded on the BDAS/DDA statements that did not represent an offsetting record on the Bank G/L. EDUCATION

City University of New York - Manhattan - New York City, NY. BA – Major: Economics/Finance/Accounting – Minor Computer Science. CPA Exam in NY Central University School of Business Administration - Ecuador/South America. MBA in Business Administration – Major: Auditing -– CPA License Auditor. Fluent in Spanish MEMBERSHIPS & ASSOCIATIONS

Member of the American Institute of Certified Public Accountants (Int’l Member # 3609857)

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