Byron Saa
Hialeah
Summary
Dynamic individual with hands-on experience in Operations and Client Service functions and talent for navigating challenges. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals.
Overview
10
10
years of professional experience
Work History
Operations Associate
Insigneo
10.2023 - Current
- Perform KYC tasks, including onboarding, periodic review for natural persons, high risk jurisdiction prospects, PEPS, entities, financial institutions, operating companies and monitoring and tracking of KYC records and Appendix readiness, assisting with the development and execution of action planning for expiring records, and ensuring records are not past due.
- Review account opening documentation to confirm compliance with regulatory guidelines and internal policies.
- Review prospects (SOW), Sources of Funds (SOF), and financial information.
- Conduct due diligence investigations using internal and public sources (Google, Lexis Nexus, Actimize, OFAC) to support client risk assessments.
- Reviewing higher and high-risk client relationships to ensure that customer due diligence is complete and accurate and meets applicable specialized and enhanced due diligence requirements.
- Maintain and update custodian requirements related to the account opening process, responding promptly as needed.
- Process client requests, including updates to personal information, financial data, asset movement, and additional services such as debit cards and checks provided by the custodian.
- Escalate issues to AML for any discrepancies noted during KYC activities.
- Provide support for general client inquiries, assist with system access, guide independent advisors in creating service center tickets, and generating reports in NetX360 and Salesforce.
- Serve as the liaison between the custodian and clients/advisors.
- Prepare daily reports to manage reviews and workflow for new account openings and account maintenance to meet deadlines.
- Participate in AML remediation initiatives and proactively offered guidance to team members regarding AML or new procedure questions.
- Stay updated on Regulatory Developments by participating in training and ongoing education opportunities.
- Perform CIP process by identifying and confirming prospect’s identity through the various methods available according to Insigneo procedures.
- Led cross-functional teams to implement process improvements, reducing operational delays significantly.
Client Acquisition Analyst
Citibank
03.2023 - 09.2023
- Welcome assigned leads/prospects and introduce them to the Citi platform.
- Interviewed prospects to understand sources of wealth, Source of funds, banking needs and to acquire documents necessary to drive a diligent acquisition process, ensuring fast turnaround in client documentation and KYC profiling.
- Lead all onboarding control aspects for the client: AML alerts / KYC updates.
- Performed CIP process by identifying and confirming prospect’s identity through the various methods available according to IPB US procedures.
- Reviewed account (banking and/or investment) applications and account opening/structure documentation to ensure accuracy and that all policies and procedures are met.
- Escalate issues to AML for any discrepancies noted during account opening process.
- Perform World check, Lexis Nexus, OWS and OFAC validation for all new prospects.
- Coordinated with internal teams to ensure that client’s relationship and account opening process is carried out as efficiently as possible, escalating when necessary.
- Control the quality of the application and ensure accuracy on all the client’s information to avoid rejections.
- Adhered to strict regulatory and compliance/AML guidelines, policies, regulations, and requirements.
- Conducted due diligence reviews, ensuring compliance with regulatory standards and internal policies.
Compliance Analyst
Compass Group
03.2022 - 09.2022
- Performed AML/Compliance reviews and approval of new accounts and periodic reviews for RIA and Broker Dealer.
- Performed KYC tasks, including onboarding, periodic review for natural persons, entities, PICS, and monitoring and tracking of KYC records.
- Assisted in the development, maintenance & review of compliance policies & procedures, including domestic & the Offshore AML/CFT related policies & procedures.
- Provided support and guidance to Financial Representatives and their staff as it relates to business processes and other general inquiries.
- Utilized various research tools and online databases to complete customer due diligence (CDD) to validate the identity of individuals and entities.
- Enhance Due Diligence performed on all clients and entities via OFAC, Lexis-Nexis, World Check, OFAC and additional internal and external sources.
- Analyzed compliance data to identify risks and ensure regulatory adherence.
AML KYC Operations Associate Analyst
Citibank (IPB)
11.2018 - 03.2022
- Performed KYC tasks, including onboarding, periodic review for natural persons, entities, PICS, and monitoring and tracking of KYC records and Appendix readiness, assisting with the development and execution of action planning for expiring records, and ensuring records are not past due.
- Partnered with internal units to ensure adequate due diligence processes are carried out for customer accounts and documentation reviews.
- Participated in AML remediation initiatives and proactively offered guidance to team members regarding AML or procedure questions.
- Analyzed customer transactional activity history and alerts to identify potential suspicious activity and conducted due diligence reviews.
- Investigated and reported suspicious activity and fraud cases associated with the bank and its department by preparing SAR filings, ensuring timely, accurate and proper completion.
- Conducted client asset activities which might relate to sanctioned individuals, money laundering or terrorist financing.
- Appropriately assess risk when business decisions are made, demonstrating consideration for the firm’s reputation and safeguarding Citigroup, its clients, and assets. By driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
- Reviewing higher and high-risk client relationships to ensure that customer due diligence is complete and accurate and meets applicable specialized and enhanced due diligence requirements.
Personal Banker- Retail and Small Business
Wells Fargo Bank
Hollywood, FL
10.2016 - 08.2018
- Determine customers’ financial services needs and prepare proposals to sell services that address these needs.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Promoted financial products by maintaining excellent service offering knowledge.
- Proactively identified solutions for customers experiencing credit issues.
- Explained very technical financial information to applicants in easy to understand language.
- Resolved client disputes with empathy and efficiency, restoring confidence in banking services.
- Leverage tools and resources to ensure accurate and consistent information of bank products and services and connect those to customer needs.
- Responsible for entering and updating the client’s information in the system as part of the KYC branch process.
- Refer investment, retirement, mortgage, core business, non-card/line-of-credit lending for small business, home equity, and student lending needs.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Verified client information and background by conducting interviews and requesting supporting documents.
- Conducted risk assessments on the clients based on Geography, industry/occupation, product, political status, and reputational risk.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Obtained necessary KYC documentation to verify the source of income. Client’s list of assets, real estate, bank statements, financial statements, pay stubs and tax returns.
- Provided personalized financial guidance to clients, enhancing customer satisfaction and loyalty.
- Analyzed client financial needs to recommend appropriate banking products and services.
- Developed strategies to improve branch performance and achieve sales targets.
Education
Bachelor of Science - Business Administration in Finance, Economics
Nova Southeastern University (NSU)
Fort Lauderdale, FL05-2021
Associates Degree - undefined
Miami Dade College (MDC)
Miami, FL05-2013
Skills
- AML/KYC Knowledge
- Adaptability and flexibility
- Problem-solving
- Excel spreadsheets, Word, Outlook, and PowerPoint
- Familiarity with Actimize, Lexis Nexus, World Check, OFAC systems
- Reliability
- Netx360, Salesforce platform experience
- Deadline management
- Analytical thinking
- Verbal and written communication
- Customer service
- Interpersonal and written communication
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Operations Associate
Insigneo
10.2023 - Current
Client Acquisition Analyst
Citibank
03.2023 - 09.2023
Compliance Analyst
Compass Group
03.2022 - 09.2022
AML KYC Operations Associate Analyst
Citibank (IPB)
11.2018 - 03.2022
Personal Banker- Retail and Small Business
Wells Fargo Bank
10.2016 - 08.2018
Associates Degree - undefined
Miami Dade College (MDC)
Bachelor of Science - Business Administration in Finance, Economics
Nova Southeastern University (NSU)