Alejandro Murcia
Frisco,TX
Summary
Certified Regulatory Compliance Manager - CRCM - (ABA), Certified Project Management Professional - PMP - (PMI), and Certified Anti-Money Laundering Specialist - CAMS - (ACAMS & FIBA); with a comprehensive skill set, excelling in conducting compliance risk assessment, training workshops, internal reviews, and audits, operational audits, advising on compliance programs, developing risk management strategies, investigating compliance issues, evaluating systems, reporting on compliance, liaising with regulators, and conducting regular GAP analysis to keep up with industry controls and best practices. With extensive experience in consumer lending and broad financial services regulatory compliance knowledge. Subject Matter Expert on regulatory consumer compliance testing, Bank Secrecy Act (BSA), OFAC, Know Your Customer (KYC), Privacy, Credit CARD Act, UDAAP, Equal Credit Opportunity Act (ECOA), TILA, Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Money Laundering Act (MLA), Servicemembers Civil Relief Act (SCRA), Community Reinvestment Act (CRA) and Compliance Risk Management. Detail-oriented Compliance Manager offering [Number] years of expertise in risk management, policy development and strategic planning. Advanced knowledge of regulatory compliance with proven track record of partnering with executives and business leaders to identify vulnerabilities and create corrective actions. Collaborative and team-oriented with excellent communication and interpersonal skills to foster strategic partnerships and promote company reputation.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Compliance Manager - Testing
American First Finance
07.2023 - 12.2023
- In my role as Compliance Testing Manager, I oversee a wide range of responsibilities within the compliance review process
- This includes conducting all testing phases, ensuring strict adherence to intricate policies, processes, and consumer protection laws and regulations without the need for constant supervision
- I am dedicated to delivering comprehensive, unbiased, and precise compliance analyses, generating high-quality test reports, workpapers, and documentation
- Furthermore, I evaluate processes and controls, identify potential risks, and offer well-informed recommendations for risk-based enhancements, always in accordance with relevant legal and regulatory requirements
- In addition to my analytical duties, I actively contribute to the growth of our testing team by mentoring, coaching, and developing less experienced or new compliance colleagues, fostering a collaborative and resilient group dynamic
- My expertise extends to consumer lending, credit, financing, and leasing compliance regulations, covering both state and federal mandates, industry standards, and best regulatory practices
- I assess the effectiveness of controls designed to mitigate consumer compliance risks and collaborate closely with various levels across the organization, building strong relationships and a deep understanding of the business units and processes
- This enables me to address control weaknesses and identified risks effectively
- Communication plays a pivotal role in my position, as I adeptly convey the testing scope, approach, results, and actions to business lines, the executive team, and other stakeholders
- Additionally, I assist in coordinating the provision of necessary materials for internal or external audits and regulatory compliance examinations
- Furthermore, I provide valuable support to the Testing and Monitoring Compliance Director and team in various other tasks as required.
Compliance Manager - Dell Financial Services
Dell Technologies
02.2014 - 06.2023
- As a diligent compliance professional, I perform all testing phases of the compliance review process with little oversight, ensuring adherence to complex policies, processes, and associated consumer protection laws and regulations
- My commitment extends to providing in-depth, objective, and accurate compliance analysis, along with delivering high-quality supporting test reports, workpapers, and documentation
- Additionally, I play a pivotal role in reviewing processes and controls, identifying risks, and recommending risk-based improvements in alignment with relevant legal and regulatory requirements
- In my role, I also serve as a mentor and coach, nurturing the growth of less experienced or new compliance colleagues to foster a collaborative and robust testing team
- My dedication to excellence is further demonstrated through my continuous effort to maintain a strong knowledge base of consumer lending, credit, financing, and leasing compliance regulations, encompassing both State and federal mandates, industry standards, and regulatory best practices
- I take pride in assessing the design and effectiveness of controls implemented to mitigate consumer compliance risks, collaborating seamlessly with stakeholders at various levels across the organization
- My aim is to build strong relationships, while acquiring a deep understanding of the business units and processes, in order to efficiently address control weaknesses and identified risks
- I ensure that the testing scope, approach, results, and necessary actions are clearly conveyed to the business lines, executive team, and other stakeholders
- Furthermore, I contribute to the coordination of requested materials for internal or external audit and regulatory compliance examinations when called upon
- Lastly, I stand ready to assist the Testing and Monitoring Compliance Director and team with any other tasks deemed necessary to uphold our commitment to compliance excellence.
Compliance Manager
MoneyGram International
01.2012 - 01.2014
- Managed a team of regional Compliance Officers ensuring agents implemented compliance policies and programs in accordance with local and federal regulations
- Performed as primary compliance SME for U.S
- Anti-Money Laundering, Bank Secrecy Act, and Patriot Act regulatory expectations
- Partnered with the Program Office and associated business units to ensure policies and controls were practical, efficient, and workable, and to capture regional exceptions to enterprise programs and policies
- Developed locally required compliance programs and identified emerging trends and perceived risks.
Compliance Manager
Kwik Dollar LLC - DINEX Envios de Dinero
09.2008 - 01.2012
- Evaluated and responded to various banking institutions and regulators and inspections and requirements from the top 10 states for money remittances in US, Spain, and Canada
- Developed, and executed employee training programs, including Anti-Money Laundering with Risk Assessment Program of High-Intensity Financial Crime Areas (HIFCA) and High Intensity Drug Trafficking Areas (HIDTA), and operational performance programs, including Know Your Agent (KYA) and Know Your Customer (KYC).
Business Development Manager / Senior Compliance Officer
Samso's Express Money Transfer, Inc.
06.2000 - 08.2008
- Strategically led AML/BSA Compliance Management for daily operations of company and independent agents, ensuring on-time, requirements-compliant completion while optimizing productivity and performance
- Spearheaded company's anti-money laundering program, including Bank Secrecy Act-related policies, procedures, internal controls, record keeping and reporting functions, and training
- Analyzed and resolved complex issues; drove activities to defend against money laundering risk; contributed to operations assessment, new vendors relationships, facilitating training schedules, and evaluating files documentation; designed and integrated internal policies and procedures.
Education
Associate's degree - Business Management
University of Miami
Associate's degree - International Business/Trade/Commerce
University of Miami
B.A - Business Administration
Universidad EAN
Project Management Certification - Project Management
Collin College
Associate's degree - Anti-Money Laundering
Florida International University
Skills
- Interpersonal Skills
- Compliance Management
- Financial Audits
- Enterprise Risk Management
- Global Regulatory Compliance
- Auditing
- Big Data Analytics
- Business Process Improvement
- Information Gathering
- Document Analysis
- Quality Controls
- Regulatory Documentation
- Product Recall Process
- Vendor / Supplier Performance Management
- Compliance Documentation
- Audit Oversight
- Risk Analysis
- Regulatory Examinations
- System Development
- Internal Auditing
- Incident Response
- Process Management
- Document Control Program
- Training and Education
- Process Development
- Staff Training
- Training Development
- Know Your Customer
- Corporate Governance
- Audit Support
- Compliance Monitoring
- Legal Research
- Risk Assessments
- Training Delivery
- Regulatory Standards
- Project Management
- Sanctions Screening
- Financial Reporting
- Data Analysis
- Decision Making
- Ethics Management
- Anti-Money Laundering
- Stakeholder Engagement
- Change Management
- Root Cause Analysis
- Process Improvement
- Customer Due Diligence
- Organizational Skills
- Fraud Detection
- Regulatory Compliance
- Risk Management
- Compliance Reporting
Websites
Languages
Spanish
Full Professional
Certification
- Certified Anti-Money Laundering Specialist (CAMLS), ACAMS, 03/2005, 12/2025
- Certified Associate in Anti-Money Laundering (CA/AML), FIBA, 09/2007, 07/2024
- Certified Regulatory Compliance Manager (CRCM), American Bankers Association, 12/2021, 1/2025
- FCRA Certificate Program for Data Furnishers, Consumer Data Industry Association, 11/2023, 11/2025
- Project Management Professional (PMP), Project Management Institute, 01/2024, 01/2027
Locations
Dallas-Fort Worth Metroplex
Titles
- CRCM
- PMP
- CAMS
- AMLCA
Timeline
Compliance Manager - Testing
American First Finance
07.2023 - 12.2023
Compliance Manager - Dell Financial Services
Dell Technologies
02.2014 - 06.2023
Compliance Manager
MoneyGram International
01.2012 - 01.2014
Compliance Manager
Kwik Dollar LLC - DINEX Envios de Dinero
09.2008 - 01.2012
Business Development Manager / Senior Compliance Officer
Samso's Express Money Transfer, Inc.
06.2000 - 08.2008
Associate's degree - Business Management
University of Miami
Associate's degree - International Business/Trade/Commerce
University of Miami
B.A - Business Administration
Universidad EAN
Project Management Certification - Project Management
Collin College
Associate's degree - Anti-Money Laundering
Florida International University