Xochimilco, Mexico City, Mexico
Experienced trilingual Internal Audit Manager/Vice President and Business Consultant in charge of executing and leadering risk-based, regulatory and continuous audit reviews covering a large range of standard and emerging risks such as Credit, Treasury and Markets, Operations, Insurance, Third-Party, Anti-Money Laundering (AML), Fraud, Technology, Information Security, Cyber-security (AML) and Project Management at regional level (LATAM) for Retail and Commercial business activities and at global level (Cross-Enterprise). 12 years within the Banking and Insurance sector, Internal Control, Compliance and Risk Management, with strong knowledge in SOX and COSO standards, Mexican local regulations (CNBV, Central Bank Banxico) as well as global regulations (IFRS 9, OCC, FRB). Strong leadership and ability to work in global, multicultural and multi-disciplinary environment, analytical, proactive, results-oriented. High organizational skills and commitment to mitigate risks arising in the organizations as well as enhancing the overall internal control framework.
Administrator & CFO | Entrepreneurial Finance & Operations Leader Entrepreneurial finance and operations leader within a growing SME, responsible for building financial structure, driving profitability, and enabling sustainable business expansion. I combine strategic financial planning with hands-on execution, transforming financial data into actionable business decisions. My role goes beyond traditional CFO responsibilities — I actively support commercial strategy, pricing, cash flow optimization, and operational efficiency to accelerate growth. In a dynamic environment, I design scalable processes, implement financial controls, and ensure the company maintains agility while strengthening governance and long-term stability. • Build and execute financial strategies aligned with growth objectives • Manage budgeting, forecasting, and cash flow to support expansion • Optimize cost structures and improve margins • Support pricing, investment, and scaling decisions • Implement financial controls and performance KPIs • Oversee administrative operations to ensure efficiency and compliance
Active participation in the achievement of Continuous Audit (CA) reviews part of the Technology annual audit plan, regulatory issue validations and key initiatives post-divestiture between Banamex and Citi Bank Mexico, as follows: - Assessment as Subject Matter Expert (SME) during the Retail Core Operations and Transaction Services of automated controls such as data batch validations for IT applications driving Debit and Credit Cards Embossing and Delivering. - Validation of action plans implemented by Technology stakeholders related to regulatory issues observed in the validity of security mechanisms for the SPEI application functionality. - Audit Lead of the Continuous Audit on Technology Strategy and Governance applying for the new Banamex Mexico structure. (Governance Model, Strategy planning and implementation, CSC/KPIs, Resource Management, Stakeholders engagement and Transition Service Agreement) - Leader of the Data Management project (SQL workstream) in charge of preparing learning material for Banamex auditors to reinforce overall skillset in the execution of SQL queries. - Project Management SME in the Continuous Audit of Initial Public Offering (IPO) Operational readiness Initiative allowing Banamex to transition from private to public ownership.
Responsible for the conduction and accomplishment of the annual audit plan focused on the Global Transformation Technological and Non-Technological Key initiatives and underlying Programs and Projects undertaken by the Citi Group stakeholders (Transformation Chief Operating Office comprised by Transformation Program Management and Transformation Data) in compliance with US regulations (Office of the Comptroller of the Currency, Federal Reserve Bank): - Global audit reviews such as Consent Order Project Execution (Planning, Scheduling, Scope Management, Change Management, Monitoring of risks and issues, CSC/KPIs, and Third Party Management), leader of Lending Transformation Program (LTP) and Risk Governance Framework (RGF) in alignment with OCC Heightened Standards conducted with Cross-Enterprise team based in the US, UK, Canada and Mexico. - Follow-up of Corrective Action Plans (CAPs) implemented by Business owners (PMOs, Program Group Sponsors) and compensating measures to satisfy and address Consent Order regulatory expectations. - Validation of Regulatory Business Critical Milestones (RBCMs) and participation in the Quarterly Business Monitorin as maker and checker. - Current participation in the Mexico Divestiture continous audit jointly with the local Legal Franchises team (separation of Consumer banking activities between Citi Bank and Banamex entities)
In-charge of leadering and executing audit reviews based on the compliance with General Dispositions established by the local regulators (CNBV and Central Bank): - Regulatory audit of Third Party Risk Management of IT external service providers (covering identification, selection, due-diligence, hiring process, and continuous monitoring) - Regulatory audit of Credit processes and controls (Corporate Banking Division and Portfolio Management, Risk reporting, calculation of loan loss reserves, credit risk management from First and Second Line of Defense perspective) in coordination with the Credit review US team - Regulatory audit of Central Bank 31 Requirements to operate Derivatives transactions covering Governance, Operational and Internal Controls. Responsible for the elaboration and the accomplishment of the local regulatory audit plan considering the annual review of auditable entities´ risk assessment process, On-Going Monitoring activities conducted on a quarterly basis, participation in Governance forums (Credit and Integral Risk Management Committees), follow-up and closure process of open issues with corresponding business stakeholders, among other delegated activities such as the audit budget administration, hiring of external audit and consulting providers to support the local audit team, updating of audit methodology and follow-up of regulatory amendments.
Participation as Consulting Project Manager in the MCA Continuous Improvement project for CitiBanamex Group to enhance ARCM (Activity, Risk, Control, Monitoring) lines jointly with relevant stakeholders from Business and Internal Control areas, including the review and analysis of processes and controls´ descriptions, risk taxonomies, compliance with applicable regulatory framework.
Regional Senior Internal Audit Manager in-charge of leadering and executing audit reviews around Credit, Anti Fraud, Anti-Money Laundering and Regulatory Compliance Risks for HSBC Bank Mexico and Latin America subsidiaries: - Themed review of Anti Fraud processes and Framework - Themed review of Retail Credit Risk Management Framework carried out in Mexico, Brazil and Argentina - Regulatory Audit of Retail and Wholesale local provisions and Credit Bureau in Mexico - Audit of Credit Risk Management Processes applied to Wholesale portfolio (special request from CNBV Mexican Regulator) - Regulatory Audit of Retail and Wholesale Credit Impairment Allowances (Provisions IFRS) under SOX international standards carried out in Mexico and Brazil - Credit Risk Management processes applied to Wholesale portfolio (request from CNBV Mexican regulator) - Regulatory audit of Retail and Wholesale Credit Impairment Allowances (IFRS9) under COSO and SOX standards and processes carried out in Mexico and Brazil - Processes and Controls of Retail Collections and Recovery carried out in Argentina and Mexico - Credit Documentation and Collateral Management in Argentina - Themed review of Wholesale Credit Risk Rating Systems in Mexico - Global Audit of Wholesale Credit Review Unit (Second Line of Defence) in Mexico - Processes and Controls Audit of Retail Banking Products and Portfolio Management in Mexico - Regulatory audit of Financial Crime and Compliance Risk Governance Framework (RGF) in Mexico and Argentina. Identification of risks around Governance framework, Know your customer (KYC) and Customer Due Diligence (CDD), Transaction monitoring ,Sanctions, Fraud, Anti-Bribery and Corruption - Follow-up of Management action plans of High risk issues around Anti-Money Laundering topics as part of the RGF audit review and implementation of optimized strategies with relevant internal stakeholders to mitigate legal/compliance, reputational and operational risks