Alejandro Hernandez Montes
New York,NY
Summary
Seasoned Risk Management professional with over 25 years of international experience in Commercial, Corporate, and Consumer Banking, Wealth Management, and Payments/Services within the disciplines of Credit Risk, Portfolio Risk, and Operational Risk Management. Fluent in English and Spanish.
Overview
26
26
years of professional experience
Work History
Fraud Operational Risk Oversight Manager
Comerica Bank, N.A.
New York, NY
07.2025 - Current
- Oversee and challenge to 1st Line fraud function. Primary point of contact for Fraud Risk in the 2nd Line of Defense within Operational Risk team.
- Collaborate with the Business teams to assess new products and projects, ensuring proactive risk identification and control design.
- Oversee fraud risk incident and issue management, including timely escalation, root cause analysis, and remediation action plan.
- Support other operational risk framework tasks such as development and implementation of Targeted Review methodology and new KRIs.
- Manage a team that oversee all 1st Line Business Function as it related to Fraud Risk.
Operational Risk Senior Manager
Citibank, N.A.
New York, NY
06.2017 - 06.2025
- Oversaw and challenged the effective implementation and adherence of the Fraud Policy, Strategies, and Projects to reduce Citi’s risk exposure.
- Collaborated with the Business teams to assess new products and channels to ensure that the initiatives will be within Citi Risk Appetite.
- Conducted risk reviews to identify enhancements to the Citibank fraud controls, including the review and challenge of any proposed action plans as outcome of the review.
- Led the Global Wealth Management Fraud Risk Integration Project, which will assist in the implementation of the Global Fraud Risk Framework across the different segments within the Wealth Management Business.
- Managed a team of Fraud Risk Managers.
- Business(es) and Region(s):
- Fraud Referral for SAR Investigation, and Scams at the Enterprise Level (Jul 2024 – Jun 2025)
- Wealth Management Business Globally, and Services, Banking and Markets Businesses for NAM (2022 – Jul/2024)
- Wealth Management, Services, Banking and Markets for NAM and LATAM (2020 – 2022)
- Citi Commercial Bank Business Globally (2018 – 2019)
- Consumer Business for Mexico (2017)
Credit Risk Senior Manager
Citibank, N.A.
New York, New York
06.2014 - 06.2017
- Managed the End-to-End process for the Allowance for Loan Loss Reserve (LLR) for Citi Commercial Bank Business ($80B in assets) to assure the adequacy level of LLR (~ $1B).
- Communicated and negotiated with the regional/country portfolio managers the required Loan Loss Reserve balance.
- Performed monthly portfolio reviews to understand the dynamics of the Commercial Credit Risk Portfolio and identify emerging risks.
- Coordinated and supported different global Commercial Risk projects such as Risk Capital Obligor Limits, Country Credit Programs (Portfolio Limits), Credit Officer Evaluation, Early Warning, Connecting the Dots, and Collateral Project.
Credit Risk Manager
Citibank, N.A.
New York, New York
04.2010 - 06.2014
- Provided analytical support to the Loan Loss Reserve reporting process.
- Managed the Credit Risk Report for the Commercial Portfolio Globally ($80B in assets).
- Proposed and successfully developed new ways of managing credit concentration risk of the Commercial Portfolio.
- Supported the implementation of Basel II and related projects to meet regulators requirements.
Credit Risk Manager – Commercial, Real Estate and GRB Portfolios for Latin America
Citibank, N.A.
Mexico City, MX
06.2007 - 04.2010
- Analyzed and approved deals as Credit Officer and performed risk analysis and stress test for the Commercial, Real Estate, and Global Relationship Banking (GRB) Portfolios for Mexico and Central America.
- Developed executive presentations for the Corporate, Commercial and Consumer Portfolios for Latin America.
Operations Manager – Corporate and Consumer Businesses
Citibank, N.A.
Mexico City, MX
06.2006 - 06.2007
- Managed a team of thirty members responsible for the disbursements of loans for the Small Business Banking, Mortgage, and Auto Loans products.
- Coordinated a team responsible for review of the corporate credit documentation before than the loan’s disbursement to assure that agreements and documentations are following the approved credit.
3 years trainee
Citibank, N.A.
Mexico City, MX
04.2000 - 06.2003
- Trained in Corporate and Consumer operations, Credit Risk, and Management Information System areas.
Education
Master in Finance -
El Instituto Tecnologico y de Estudios Superiores de Monterrey
Advance Commercial Credit Risk Management -
Citibank
Skills
- Effective team contributor
- Versatile and adaptable
- Multicultural stakeholders' management
- Analytical thinking
- Leadership
- Cross-functional experience
- Influence, effective communication
- Managing teams
- Project management
- Performance management
Timeline
Fraud Operational Risk Oversight Manager
Comerica Bank, N.A.
07.2025 - Current
Operational Risk Senior Manager
Citibank, N.A.
06.2017 - 06.2025
Credit Risk Senior Manager
Citibank, N.A.
06.2014 - 06.2017
Credit Risk Manager
Citibank, N.A.
04.2010 - 06.2014
Credit Risk Manager – Commercial, Real Estate and GRB Portfolios for Latin America
Citibank, N.A.
06.2007 - 04.2010
Operations Manager – Corporate and Consumer Businesses
Citibank, N.A.
06.2006 - 06.2007
3 years trainee
Citibank, N.A.
04.2000 - 06.2003
Master in Finance -
El Instituto Tecnologico y de Estudios Superiores de Monterrey
Advance Commercial Credit Risk Management -
Citibank