L U Z M . G A R C I A, M B A, C A M S, C F E

( * 0 3 ) 6 0 4 – 3 4 2 7 • L . M G A R C I A @ I C L O U D . C O M • W W W . L I N K E D I N . C O M / I N / L G A R C I A F C C

PROFESSIONAL EXPERIENCE

CITI – NEW YORK, NY 2021 – Present

Vice President

ICRM Regulatory Engagement Officer

.Coordinate interactions with regulators and internal stakeholders, including assist in providing oversight for supervisory engagement; coordinate and manage events related to examinations and continuous monitoring, including working with business and functions in negotiating scope and time of reviews, monitoring requested data aggregation and coordinate and attend regulatory meetings with control function and business unit personnel; and collaborate with Business Heads to provide guidance on regulatory matters and continually enhancing the framework to identify, assess, control, and monitor regulatory communications.

.Provide regular updates to management regarding the matters being handled, collected, tracked and resolution of queries, review with the area under examination the materials requested to ensure completeness and responsiveness of submissions, and the timely escalation and resolution of potential issues.

.Communicate extensively and develop effective relationships with regulators, senior management, front line, second line, and Internal Audit to obtain documentation/information to response to regulatory requests proactively and on time with quality.

.Monitor the full lifecycle of identified regulatory issues ensuring that concerns are communicated, assigned responsibility, and tracked to resolution.

SIA PARTNERS – NEW YORK, NY 2020 - 2021

Scotiabank – Anti-Money Laundering (AML) Advisor/Quality Control Consultant

■Conduct KYC/AML periodic refresh review for high-risk clients

■Conduct quality control of Customer Identification Program (CIP) and Customer Due Diligence (CDD) documentation of high-risk customers to ensure regulatory requirements under the AML/BSA policy are met, and the bank’s policy and procedures applied.

■Preform Enhance Due Diligence (EDD) and Special Enhance Due Diligence (SEDD) for customer of significant high risk due to very high-risk industries such as Third-Party Correspondent Bank Vostro, Third-Party Correspondent Bank Trade Finance, Third-Party NBFI and virtual currencies.

■Investigate high risk clients with Political Exposed Persons (PEPs), OFAC Sanctions, and negative media news, related to money laundering and financial crime exposure.

Banco Latinoamericano de Comercio Exterior (BLADEX) – WHITE PLAINS, NY 2017 - 2020

NY Compliance

.Reported to the Prevention Committee overseeing, defining and executing BSA/AML and corporate compliance program oriented to the identification, prevention and mitigation of all compliance risk, constantly updating and verification of compliance matters and observance of all policies and applicable procedures relative to the services and products of the Bank, as well as the control of preventive measures, as needed, and as required by US regulations.

.Executed Annual Compliance Regulatory Plans as well as for Internal Compliance, approved by the Board of Directors.

.Reviewed, monitored, and followed-up on applications and processes related to the business operations. Conducted Transaction Monitoring real-time, and weekly.

.Actively communication with regulatory entities and participated in written response letters to the regulators upon the conclusion of the examination.

.Assisted in internal/external audit exams, and regulatory (NYDFS) compliance examination. Managed and closed regulatory, audit findings and model validation recommendations.

.Preformed a remediation project to ensure all clients met the CCD Final Rule requirement.

.Created and organized relevant training seminars related to BSA/AML/OFAC.

.Maintained a strong knowledge of the bank's products and working relationships with the business owners and the compliance team in Panama.

.Wrote and maintained BSA/AML/OFAC compliance manual, policies and procedures.

.Reviewed and analyzed new regulatory guidance and developed internal controls and procedures to ensure compliance with new requirements.

.Managed the filings of SAR, CTR, OFAC blocking/rejection, and subpoenas processing.

.Reviewed Client Portfolios using the Client Due Diligence Tool to facilitate recording CIP/KYC information and reviewed and dispositioned negative news/Sanction and PEP alerts for re-documentation, customer onboarding, and periodic KYC reviews.

IPSA INTERNATIONAL – NEW YORK, NY 2016 - 2017

Rabobank International – Project Consultant

■Conduct seamless on-boarding AML/KYC event driven and periodic reviews for all risk rated customers, ensuring all requirements under AML/BSA policy are met.

■Clear, investigate and escalate high risk triggers such as PEPs, high-risk geography, negative media regarding anti-corruption, terrorist financing, money laundering and other findings based on research.

■Conduct Enhanced Due Diligence review on high-risk accounts.

■Provide guidance and respond to queries from internal groups.

GE CAPITAL CORPORATION – NORWALK, CT 2011 - 2016

Lead Analyst – Financial Crime Investigator (2015 to 2016)

.Manage and conduct fraud investigations, report suspicious activity to governmental authorities.

■Compile evidence and documentation in compliance with BSA/AML procedures and regulatory requirements.

■Analysis, monitor and track fraud via Transaction Monitoring

■Update and deliver fraud/AML training.

■Partner with platform Risk, Operations, and Compliance teams to drive policy/process changes needed for continuous improvement.

Lead Analyst – Financial Crimes Compliance Advisory (2011 to 2015)

.Maintain the day-to-day compliance efforts related to Anti Money Laundering (AML), Know Your Customer (KYC), Irregular Business Practices and other fraud related compliance requirements for the Lending and Franchise Finance platforms.

■Participated in the KYC Risk Management Program implementation of NICE-Actimize KYC Tool at Healthcare Financial Services. Established the Business Requirement Document; identifying and writing test case descriptions; contributed to the User Acceptance Testing (UAT) efforts; and data gathering of unstructured party record details in association with the existing data migration into NICE-Actimize KYC Tool.

■Assembled, evaluated, informed and documented the processes for the Money-Laundering Risk Assessment

(“MLRA”), MLRA Mid-Year Reviews, High Risk and Politically Exposed Person (“PEP”) Metrics for the Structure Lending Business Unit.

■Executed quality assurance on AML Due Diligence Workflows and resolved escalated LexisNexis Bridger Watchlist Screening alerts.

■Educated the Risk Team and Risk & Compliance Services COE Analysts by creating AML Desktop Procedures and Frequently Asked Questions documents.

EDUCATION

SACRED HEART UNIVERSITY – FAIRFIELD, CT

M.B.A., B.S., Business Administration

Honors: Dean’s List

SKILLS

■Proficient in Microsoft Word, Excel, PowerPoint and Outlook; SharePoint Business Objects; NICE-Actimize CDD (V.2.0.9.6)/ERCM (V.5.7.9.17) and DART (V.5.7.0.17); LexisNexis: AML Solutions, Risk Solutions; Bridger Insight XG; Westlaw; BankNet

■GE Crotonville Leadership Courses: Leadership Development Course and Foundation of GE Leadership

■Fluent in Spanish

OTHER INTEREST & AFFILIATIONS

■Certified Anti-Money Laundering Specialist (CAMS), ACAMS Member of the New York Chapter

■Certified Fraud Examiner (CFE), CFE Member of the New York Chapter

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