Benito Juárez, Mexico City, Mexico
MBA QUALIFIED AML COMPLIANCE LEADER WITH 21 YEARS OF EXPERIENCE IN GLOBAL, REGIONAL AND LOCAL FINANCIAL INSTITUTIONS, FINTECH, CONSULTING, PHARMACEUTICAL AND CONSUMER COMPANIES WITH RESPONSIBILITY IN AML/CTF COMPLIANCE, SANCTIONS, INTERNAL CONTROL, SOX COMPLIANCE, RISK MANAGEMENT, FRAUD, STRATEGIC PLANNING AND PROJECT MANAGEMENT
IImplement AML/CFT policies and procedures, including compliance manuals, risk assessments, alerts, blacklists, parameters, regulatory reporting and validation tests on the AML system. Implement and ensure regulatory ongoing compliance with the CNBV, UIF and Banxico guidelines and regulations. Oversee the timely attention to AML requirements from the CNBV. Analysis of new products and business partners with applicable regulations. Integration and optimization of crypto functionalities within the wallet.
Led the end-to-end AML/CTF and regulatory compliance program for the different financial entities (SOFOM, SOFIPO, Vulnerable activities and Payment aggregators), including governance, policies, and monitoring. Established and scaled the AML and regulatory compliance framework for a high-growth fintech, supporting digital credit /lending and payments products. Managed regulatory interactions with CNBV, UIF, Banxico, and other authorities, including on-site visits, off-site reporting, and responses to information requests. Coordinated cross-functional projects to implement regulatory changes (e.g., KYC/EDD updates, reporting requirements), ensuring business continuity and compliance. Developed reporting packs and presentations for regional leadership and global stakeholders on compliance risks, KPIs, and remediation plans. Designed and delivered AML and conduct training for operational teams and senior management, reinforcing a strong compliance culture.
Built the compliance and internal control function from scratch for an IFPE, covering AML, sanctions, fraud prevention, and internal control over operations to request the fintech authorization with the local authorithies. Designed the compliance policy framework, including AML Manual, KYC standards, transaction monitoring rules, and internal audit plans. Implemented processes for regular internal audits and ad-hoc thematic reviews, tracking findings, action plans, and closure across the organization. Negotiated and maintained relationships with banking partners and payment providers, ensuring robust KYC and onboarding standards for the institution. Coordinated cross-functional projects to implement regulatory updates. Participate in the SPEI authorization process, including process documentation and regulatory examination attendance
Served as Regional Compliance Officer for Latin America, overseeing AML/CTF and sanctions compliance across multiple countries and partners Participate in defining, planning, and executing quarterly reviews aligned with the risk assessment plan assigned. Partnered with Product, Operations, Marketing and Technology to assess regulatory impacts of new products and features. Implemented global compliance and fraud policies at regional level, adapting them to local regulatory requirements while maintaining group standards. Conduct investigations to provide data-driven insights for enhancing system efficiency and effectiveness. Generate risk management reports to monitor fraud incidents. Coordinate and assist in preparing AML and sanctions-related information for internal audits and regulatory examinations. Oversee the local and international requirements done by different authorities (CNBV, BANXICO, DOJ and HSI among others). Organize, prepare, and deliver relevant AML training on regulatory changes, new trends, and typologies. Led risk assessments, internal reviews, and site visits of agents and partners, ensuring adherence to AML policies and contractual obligations Developed reporting packs and presentations for regional leadership and global stakeholders on compliance risks, KPIs, and remediation plans.
Validated and monitored policies and procedures to ensure compliance with local regulations (P2P, OTC, FA, IT). Developed and ensured SOX compliance in Mexico. Participated in quarterly FCPA processes. Coordinated and assisted in internal compliance investigations and ethics cases, and oversaw HCP (HealthCare Providers) analysis.