Senior Management Risk

Lourdes Arellano

**** *.*. *** **, Miami, FL ****5

305-***-**** ******************@*****.***

Objective

Experienced Corporate Compliance and Administrative Manager with over 20 years of expertise in banking compliance, risk management, and executive-level administrative duties. Proven ability to manage complex documentation, support senior management with reporting, decision-making, and regulatory compliance. Seeking a role that leverages my management skills and administrative experience in driving compliance and operational efficiency.

Professional Experience

Note: Since 2004, my roles have evolved through mergers and acquisitions across multiple institutions, with increasing responsibilities in corporate management and administration. Prior to joining the banking industry, I also worked for a property management company.

IBERIABANK/FIRST HORIZON – Miami, FL

Risk Consultant III (March 2021 – September 2024)

Lead compliance documentation and onboarding reviews for Non-Resident Aliens (NRA) foreign political exposed persons (PEP), foreign businesses, and domestic businesses with significant foreign ownership, ensuring adherence to both federal and state-specific regulations.

Manage risk and compliance operations across a banking footprint that spans 17 states, each with its own regulatory landscape, ensuring compliance with varying state laws in addition to federal standards (e.g., AML, BSA, CIP).

Provide compliance oversight for complex account structures, ensuring proper documentation is maintained.

Collaborate with legal and compliance teams to implement tailored compliance solutions.

Coordinate risk reporting and compliance exceptions for senior management, maintaining compliance logs and ensuring all activities meet federal and multi-state regulatory guidelines.

Iberiabank (Sabadell United Bank Acquisition) – Miami, FL

Assistant BSA Manager (July 2017 – February 2021)

Managed the compliance team responsible for onboarding foreign businesses and individuals, ensuring all documentation adhered to regulatory standards.

Led administrative functions related to risk management, including coordinating complex account reviews, preparing compliance reports for senior management, and overseeing Beneficial Ownership documentation.

Assisted senior management with reporting on compliance metrics, identifying process gaps, and providing strategic insights.

Directed policy exception processes, ensuring corporate policies were communicated and enforced across departments.

Sabadell United Bank – Miami, FL

EDD High Risk Team Leader (2014 – July 2017)

Supervised a team of four analysts responsible for conducting annual Enhanced Due Diligence (EDD) reviews of high-risk accounts, ensuring compliance with corporate and regulatory requirements.

Managed administrative reporting for senior executives, preparing detailed weekly and monthly reports on compliance status and audit readiness.

Oversaw the onboarding compliance documentation for high-profile clients, including politically exposed persons (PEPs), ensuring adherence to KYC requirements and corporate standards.

JGB Bank, N.A. – Miami, FL

Assistant BSA/AML Compliance Officer (2004 – 2014)

Directed corporate documentation management for BSA/AML compliance, including review and submission of Currency Transaction Reports (CTR), Suspicious Activity Reports (SAR), and large currency transaction reports.

Managed administrative duties, including organizing and maintaining compliance logs, subpoenas, writs of garnishment, and regulatory reporting.

Provided executive support to senior management through comprehensive reporting, audit preparation, and risk assessment documentation.

PanAmerican Bank (f/k/a Gulf Bank) – Miami, FL

Assistant BSA Compliance Officer (2001 – 2004)

Supervised administrative activities related to large currency transaction reviews, compliance documentation, and KYC compliance for new accounts.

Coordinated compliance documentation and maintained accurate records for audit and regulatory purposes.

Assisted corporate management with preparing board-level reports, ensuring that all compliance and regulatory matters were accurately reflected in corporate documentation.

Pinebank N.A. – Miami, FL

Assistant BSA Compliance Officer (2000 – 2001)

Directed administrative compliance duties, including documentation review, transaction monitoring, and regulatory reporting for BSA/AML compliance.

Prepared compliance reports and documentation for senior management, including tracking currency transactions and onboarding reviews for domestic and international clients.

Hamilton Bank, N.A. – Miami, FL

Assistant Compliance Officer (1998 – 1999)

Assisted with corporate compliance management by preparing reports, maintaining compliance logs, and supporting audit processes.

Managed administrative duties related to Currency Reporting Transactions (CTR) and Suspicious Activity Reports (SAR) with regulatory filings, ensuring compliance standards were met.

Group Cadicorp, Inc. – Miami, FL

Administrative Assistant (1993 to 1998)

Managed accounts receivable and payables for 16 associations, handling over 1,100 property owners.

Prepared monthly management meeting reports and compliance documentation for association governance.

Processed applications for prospective buyers and ensured adherence to association by-laws.

Skills

Corporate Compliance Management

Executive-Level Reporting & Documentation

Regulatory Documentation & Reporting

Enhanced Due Diligence (EDD)

Risk Management & Assessment

Board of Directors Support & Reporting

Administrative Project Management

BSA/AML Compliance Oversight

Office Operations Management

Communication & Customer Service

Proficient in Actimize, Hogan, ECS Monitoring System, Salesforce, and Microsoft Office

Education

University of Sacred Heart – San Juan, Puerto Rico

Associate Degree in Accounting (1978 – 1980)

Certifications & Training

Bank Secrecy Act Compliance Management (FBA)

SAR Filing and Administration (FBA)

FIBA AML Compliance Conference (2010, 2016, 2017)

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