MARY LUZ CALDERA

Address: **** ** **** ** ***** FL 33122.

Cellphone number: +1-689-***-****

Email: adz7bn@r.postjobfree.com

CAREER PROFILE

Lead and manage all those projects related to consulting projects related to the prevention and mitigation of risks related to money laundering, terrorist financing, and financing the proliferation of weapons of mass destruction in Financial Institutions. Expert in the application of Risk Matrices, Review of BSA/AML Manuals, evaluation of Account Opening processes, management of tools for the adequate Monitoring of Alerts, Transfers process, Lookback process, Review of High-Risk Clients, General and Specific Training on regulatory compliance, execution of special projects. SKILL SUMMARY

• CAMS Certification

• AML Identifying & Reporting Suspicious Activities

• Anti-Money Laundry Prevention – Risk Mitigation

• Prevention of Money Laundering and Terrorist Financing

• Code of conduct

• Training on Compliance Matters

• Extensive Knowledge of Microsoft Word, Excel, and PowerPoint.

• Manuals and Compliance Regulations

• Investigation of clients or counterparties for financial transactions PROFESSIONAL EXPERIENCE

MCAS Compliance Consulting Corp.

May 2023 – Current

Position: President and Founder

I manage and collaborate in the execution of projects assigned to the company in matters related to the AML Compliance Program, OFAC sanction program, Comply with BSA & OFAC regulations, KYC execution, and anti-money laundering initiatives to prevent unlawful use of financial systems. This includes Risk Assessments, Risk Matrix Execution, Compliance Manual Review, Account Opening Process Review, management of tools for the adequate Monitoring of Alerts, Transfers process, Lookback process, Review of High-Risk Clients, training program, CDD/EDD Policy, etc. Lite Fintech LLC

May 2022 – Current

Position: Compliance Officer BSA, AML, and OFAC

Responsible for the design and implementation of developing and maintaining the BSA/AML/OFAC risk assessment, as well as maintaining communication and training of personnel, periodically reviewing the BSA/AML/OFAC compliance policies and procedures, as necessary; submitting timely, complete and accurate reports; reporting compliance initiatives, identified compliance weaknesses and deficiencies, as well as corrective actions as necessary, to management; Provide periodic independent BSA/AML/OFAC compliance review and report the results of the review to the Board of Directors, Coordinate responses to requests for information from law enforcement agencies; and ensures that the company keeps and maintains all required BSA/AML/OFAC records and ensures that unusual and suspicious activities are promptly reported to FinCEN. Unique International Bank INC

September 2021 – April 2022

Position: Compliance Manager

Responsible for supporting the design and implementation of the Unique International Bank Compliance Program. Through managerial supervision of processes and controls linked to the Customer Identification Program (CIP), Know Your Customer (KYC), Due Diligence, and Extended Due Diligence (CDD/EDD), continuous monitoring and updating of information on customers. Using industry standards, as part of compliance with laws and regulations on AML/CFT. Extensive knowledge and skills in all areas of the bank that are linked to the compliance area, ensuring that activities are carried out smoothly and effectively, providing leadership and supervision, hand in hand with the personnel assigned to the different areas of the organization. ASESORES Y CONSULTORES MAURIN, C.A- (ItalBank)

Grupo Italbank Service Society October 2020– September 2021 Position: CIP/KYC Manager – Compliance Area - AML

Responsible for managing the execution of the Bank's CIP & KYC Program processes. Several control reviews are carried out in the Customer Identification Program, using industry standards, and orientation methods to guarantee compliance with the program daily. Assistance to the Compliance Officer & OFAC in compliance matters that arise, ensuring that activities run smoothly and effectively by providing leadership and supervision. Carrying out direct supervisory tasks to the assigned personnel of the department, coordinating the personnel for the coverage of the assigned areas, requiring extensive knowledge and skills in all areas of Customer Identification, Knowledge of the Customer, Data Update, Due Diligence, Extended Due Diligence, among other. In addition to visiting High-Risk clients and will be the one who represents the Compliance Officer & OFAC in visits to financial clients.

J&A Global Compliance – Venezuela – Anti-Money Laundry Consulting March 2018 – October 2020

Position: Manager – Compliance Area - AML

Lead and manage all those projects related to the consulting that the company offers to its clients (Banks in Puerto Rico), these projects are directly related to the prevention and mitigation of risks related to money laundering, financing of terrorism, and proliferation of weapons massive. Since Financial Institutions are one of the main means used by organized crime to cover up their crimes. These consultancies are based on offering clients personalized attention and various alternatives to apply the best practices regarding the compliance program established by the Regulator. The most outstanding functions are Risk Assessments, Execution of the Risk Matrix, Review of Compliance Manuals, Review of the Account Opening process, management of tools for proper Monitoring of Alerts, Transfer process, Lookback process, Review of High-Risk Clients, General and Specific Training in matters of regulatory compliance, execution of special projects, among others related to personnel management.

Grupo Arca International Bank – Venezuela – Bank Institution October 2016 – February 2018

Position: Supervisor - Compliance Area - AML

Supervise, coordinate, and monitor that the processes related to the prevention and mitigation of risks related to money laundering are complied with as established in the manual of policies and procedures, established by Arca International Bank Group as appropriate to the Banking sector and of Securities. The most outstanding functions are: Carry out monitoring committees on a monthly, fortnightly, and weekly basis as necessary to improve response times and attention to alerts, verify that the team of alert closure analysts is trained to carry out efficient management mitigating the risks related to money laundering, carry out the due follow-up of the account opening process, attend to the process of attention to alerts from the moment the client is notified until its closure, verify those cases in which due to suspicious transactions they must be referred to investigation by suspicious transaction or unanswered alerts, support the Manager and Compliance Officer in the internal and external audits carried out on the group, among others related to personnel management. Citibank - Venezuela – Values Area, Stock Exchange, and Investment Advisor. From August 2005 until March 2016

Position: Interim Compliance Officer / Acting Business Unit Control Officer Control, Supervise, and Coordinate at the Management level all the functions as Interim Compliance Officer (8 months) in charge of complying with Regulation 110.11 issued by the National Securities Superintendence in matters of Prevention of Money Laundering and Financing of Terrorism. Some of the specific functions are:

(Perform the Quarterly and Annual reports corresponding to the execution of the controls established in the Annual Operating Plan, carry out the Committee related to the Prevention of Money Laundering and Terrorist Financing once a month, Provide the internal and external auditors the documents and/or collections requested to complete the audits corresponding to the area of Prevention of Money Laundering and Financing of Terrorism, design the Process Manual, Risk Matrix, Annual Training Plan, Annual Operational Plan, Schedule For the monthly committee, and any other required by Regulation 110.11, coordinate and implement the control, monitoring and regulatory adaptation programs designed by the institution to maintain the highest applicable corporate standards). Likewise, in parallel in charge of the management of the Unit (Helpdesk & Control). Department: ACS Helpdesk& Control Unit

Position: Control Unit Supervisor and Helpdesk

From August 2005 until August 2015

Department: ACS Helpdesk

Position: Control and General Compliance analyst

From November 2010 until July 2012

Department: ACS Helpdesk

Position: Branch Support

From October 2008 until October 2010

Department: Sales, Miranda headquarters

Position: Service Assistant

From October 2005 until October 2008

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