Risk Management and Compliance Professional

KRYSTAL HOLDER

Risk Management Specialist Compliance Expert Strategic Risk Advisor Enterprise Risk Leader Houston, TX 832-***-**** **************@*****.*** https://www.linkedin.com/in/krystal-holder1/ Summary

Dynamic and detail-oriented Risk Manager with over 10 years of experience in the financial industry, specializing in risk identification, analysis, mitigation, and reporting. Proven expertise in developing and implementing robust compliance frameworks and strategic initiatives to minimize organizational risk while driving operational efficiency. Accomplished leader with exceptional interpersonal and communication skills, adept at fostering positive relationships across all organizational levels. Demonstrated ability to manage multiple projects under pressure, meet tight deadlines, and mentor teams to achieve shared goals. Proactive strategist committed to creating a culture of success and ensuring regulatory compliance. Skills

• Risk Assessment

• Compliance Management

• Internal Auditing

• Risk Mitigation

• Enterprise Risk Management

• Strategic Planning

• Regulatory Compliance

• Process Optimization

• Risk Identification

• Financial Analysis

• Policy Development

• Leadership Development

• Team Training

• Decision Support

• Operational Efficiency

• Process Improvement

Professional Experience

Director of Risk and Compliance

FX Choice Ltd., Belize City, Belize 2022 – 2025

• Provided expert oversight to drive risk and compliance by aligning with company objectives, regulatory frameworks, and national policies.

• Developed, implemented, and maintained robust risk management strategies to proactively address regulatory requirements and industry standards.

• Led internal audit processes to identify gaps, mitigate risks, and ensure consistent regulatory compliance, reducing violations and improving operational integrity.

• Monitored and assessed emerging risks in the financial services industry, advising senior leadership on potential impacts and mitigation strategies.

• Drove continuous process improvement to optimize compliance and risk management workflows in order to enhance operational efficiency. Strategy & Enterprise Risk Analyst

Central Bank of Belize, Belize City, Belize 2018 – 2022

• Monitored, assessed, and reported on strategic programs and initiatives to ensure alignment with organizational goals.

• Planned, organized, and executed Enterprise Risk Management (ERM) tasks, including risk identification, analysis, evaluation, treatment, and reporting, according to ISO 31000:2018 ERM Framework Guidelines and COSO.

• Developed and maintained comprehensive risk registers to systematically manage and track enterprise-wide risks and mitigation strategies.

• Facilitated regular risk workshops and training sessions to enhance risk awareness across departments and ensure consistent application of ERM practices.

• Provided strategic insights and recommendations to senior management for informed decision-making and long-term planning. Supervisor

Atlantic International Bank Ltd., Belize City, Belize 2013 – 2017

• Reviewed and approved applications to ensure compliance with risk management protocols and organizational policies.

• Hired, trained, and developed team members while setting clear performance targets to optimize individual and team productivity.

• Identified, analyzed, and reported on customer risks, implementing strategies to enhance the risk management framework.

• Conducted detailed financial analysis and documentation reviews, ensuring adherence to regulatory standards and compliance protocols.

• Monitored and resolved escalated issues, ensuring high customer satisfaction and operational excellence. Paralegal

Young’s Law Firm, Belize City, Belize 2011 – 2013

• Conducted and managed comprehensive legal research to support case preparation and legal strategies.

• Provided critical analysis of statutes, case law, and regulatory materials to assist attorneys in legal decision-making.

• Drafted, edited, and reviewed legal documentation, including contracts, briefs, and pleadings, with high accuracy and compliance.

• Maintained a legal database for tracking and updating case progress and ensuring accurate record-keeping. Education

• MBA International University of Applied Sciences Germany 2023

• Bachelor’s Degree International Business University of Indianapolis/Galen University 2009

• Associate’s Degree St. John’s College Junior College 2004-2006 Certification

• Certified Anti-Money Laundering

Specialist (CAMS)

• Certified Risk Management Professional

(RIMS-CRMP)

• Certified Internal Controls Risk Analyst

(CICRA)

References

Will be provided upon request.

Contact this candidate