Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

CARLOS GONZALEZ

Summary

Experienced compliance analyst with 10+ years in financial services, specializing in complaint lifecycle oversight, regulatory risk mitigation, and operational compliance. Proven ability to execute compliance testing, conduct detailed root cause analysis, and drive data-informed process improvements in alignment with CFPB, GDPR, AML, SEC, and FINRA regulations. Skilled in cross-functional collaboration, peer review, and documentation of testing results. Known for strong critical thinking, attention to detail, and the ability to communicate findings clearly to compliance partners and business executives.

Overview

8
8
years of professional experience

Work History

Compliance Analyst, Complaints

GM Financial
09.2023 - Current
  • Investigated and resolved 800+ consumer complaints, ensuring compliance with internal policies and enterprise complaint standards.
  • Executed complaint monitoring and root cause analysis to identify patterns, trends, and emerging compliance risks.
  • Collaborated with the State Attorney General's Office and other regulatory bodies to ensure timely, accurate resolution of escalated cases.
  • Developed and documented findings, contributing to internal reviews, audit readiness, and process improvement initiatives.
  • Supported compliance testing and issue tracking to validate alignment with regulatory expectations.
  • Delivered staff training on complaint resolution best practices and evolving compliance policies.
  • Partnered with business teams and compliance advisors to drive risk-informed decisions and foster cross-functional alignment.

Credit Specialist

Santander Consumer USA
10.2020 - 09.2023
  • Assessed consumer creditworthiness through analysis of credit reports, financial statements, and key risk indicators.
  • Recommended credit decisions aligned with underwriting standards and regulatory requirements.
  • Prepared and presented credit assessments to stakeholders with a focus on accuracy and compliance.
  • Supported responsible lending through critical thinking, financial analysis, and cross-functional collaboration.

Remarketing Specialist

GM Financial
06.2019 - 10.2020
  • Audited vehicle remarketing documentation to ensure regulatory accuracy, data integrity, and process completeness.
  • Identified compliance gaps and recommended corrective actions, improving audit readiness and reducing regulatory risk.
  • Coordinated with external vendors to ensure alignment with state and federal guidelines, strengthening internal controls and operational consistency.

Customer Experience

GM Financial
09.2017 - 06.2019
  • Delivered frontline customer support via live chat, managing account portfolios and resolving inquiries efficiently.
  • Collaborated across departments to resolve escalated issues and improve service delivery through complaint trend analysis.
  • Led feedback initiatives that enhanced customer satisfaction and increased transparency in issue resolution.

Education

TECHNICIAN TYPE UNIVERSAL CERTIFICATION -

Lindsey-Cooper Refrigeration School Inc.
Irving, TX
01.2015

HIGH SCHOOL DIPLOMA - undefined

DeSoto High School
DeSoto, TX
01.2006

Skills

  • Regulatory Reporting & Compliance
  • Root Cause Analysis & Issue Remediation
  • Complaint Lifecycle Management
  • Risk Mitigation & Internal Controls
  • Quality Assurance & Audit Readiness
  • Cross-Functional Team Collaboration
  • Operational Efficiency & Policy Development
  • CRM & Case Management Tools
  • Microsoft Office Suite
  • Google Workspace
  • Bilingual: Spanish (Professional Proficiency)

Accomplishments

  • Selected for GM Financial's Leadership Program (2018) in recognition of top-tier performance and cross-functional impact.
  • Spearheaded the creation and rollout of a regulatory training program, closing a critical knowledge gap and upskilling 25+ team members; drove successful department-wide adoption of a new system with zero disruption.

Timeline

Compliance Analyst, Complaints

GM Financial
09.2023 - Current

Credit Specialist

Santander Consumer USA
10.2020 - 09.2023

Remarketing Specialist

GM Financial
06.2019 - 10.2020

Customer Experience

GM Financial
09.2017 - 06.2019

HIGH SCHOOL DIPLOMA - undefined

DeSoto High School

TECHNICIAN TYPE UNIVERSAL CERTIFICATION -

Lindsey-Cooper Refrigeration School Inc.