Gary Ramirez
Bayonne,NJ
Summary
Compliance and risk professional with 10+ years of experience across banking, consumer compliance, regulatory risk, and financial services. Hands-on experience with KYC, CDD/EDD, BSA/AML compliance, customer onboarding, risk assessment, and KYC verification using Alloy, including evaluating verification results to clear clients or determine when additional documentation and verification were required. Proven ability to identify risk and control gaps, improve operational workflows, develop procedures, and support regulatory requirements within highly regulated financial institutions. Experienced in leveraging data and technology to improve accuracy, operational efficiency, and compliance outcomes while partnering cross-functionally with business, compliance, and risk teams.
Overview
11
11
years of professional experience
Work History
Assistant Treasurer Consumer Compliance Specialist
Apple Bank
New York, NY
06.2025 - Current
- Own quarterly compliance data governance and quality control, validating 300+ loan records per quarter and identifying exceptions to strengthen data accuracy and regulatory reporting.
- Conduct risk based compliance reviews and analyze exception trends to identify potential regulatory and control risks, supporting proactive risk mitigation and management reporting.
- Lead HMDA Committee governance, preparing materials and documentation for quarterly senior management meetings and supporting risk oversight and decision making.
- Lead enterprise wide Regulation DD compliance reviews, assessing 100% of consumer deposit product disclosures and identifying control gaps prior to regulatory or audit review.
- Manage regulatory change tracking and impact assessments, analyzing 5–10 new or amended consumer regulations annually and translating requirements into actionable guidance for senior leadership.
- Partner cross functionally on a bank wide records retention initiative, mapping regulatory requirements across 20+ departments and strengthening compliance controls and audit readiness.
- Support federal and state regulatory examinations and internal audits by coordinating documentation, responding to data requests, and participating in ongoing regulatory monitoring activities.
- Contribute to compliance risk assessments, testing, monitoring, and new product reviews to identify potential risks and embed regulatory controls throughout the product lifecycle.
- Leverage Microsoft Copilot and AI-enabled tools to streamline regulatory research, reporting, and documentation workflows, improving operational efficiency by 20%.
Compliance Specialist
New York State Department Of Financial Services
New York, NY
10.2024 - 05.2025
- Conducted risk based statistical and compliance analysis supporting 15+ consumer focused regulatory examinations, identifying trends, exceptions, and potential areas of regulatory concern.
- Verified thousands of loan and customer data points per quarter for accuracy, consistency, and compliance with Consumer Compliance, Fair Lending, and CRA requirements.
- Evaluated 50+ financial institution fair lending plans, assessing compliance with regulatory requirements and identifying potential risk and control deficiencies.
- Analyzed call reports and institution level data to generate regulatory insights supporting examination outcomes across 30+ financial institutions.
- Identified and documented patterns of potential discriminatory practices through data analysis, supporting regulatory oversight and risk based examination efforts.
- Coordinated examination activities across multiple teams and maintained a 100% on time completion rate for assigned examination processes.
- Maintained 95%+ data validation accuracy while supporting regulatory reporting, examination requests, and cross functional compliance initiatives.
New Accounts Documentation Specialist
Flagstar Bank
New York, NY
04.2021 - 09.2024
- Conducted KYC reviews for newly onboarded clients using Alloy, evaluating verification results and risk indicators to determine whether clients could be cleared/approved or required additional verification and supporting documentation.
- Reviewed customer information, legal documentation, and account opening materials to identify discrepancies, potential risk indicators, and compliance exceptions before account establishment.
- Managed high volume new account documentation workflows across various account types, reducing processing errors by 15% and improving processing time by 20%.
- Collaborated with internal stakeholders to resolve KYC, documentation, and account opening issues and implement workflow improvements that increased operational efficiency and customer satisfaction.
- Led a documentation process conversion project that standardized workflows and reduced turnaround time by 30%.
- Provided risk management guidance to internal teams and contributed to risk mitigation strategies that decreased potential risks by 18%.
- Developed and maintained a risk management information system, improving data accuracy and accessibility by 40%.
- Trained new employees on account opening, KYC, documentation, compliance, and risk management procedures, reducing onboarding time by 35% and increasing employee productivity by 50%.
Personal Banker Officer
JPMorgan Chase Bank
New York, NY
03.2016 - 03.2021
- Managed client accounts and conducted risk assessments to identify potential issues, recommend appropriate solutions, and reduce risk exposure by 15%.
- Implemented a client onboarding process that reduced account opening time by 25% and increased accuracy by 20%.
- Conducted regular reviews of client accounts, identifying and resolving discrepancies and contributing to improved audit results.
- Advised clients on financial products and services while maintaining compliance with applicable banking regulations and internal policies.
- Collaborated with legal and internal stakeholders to ensure client documentation met regulatory requirements, reducing compliance breaches by 10%.
- Trained and mentored junior staff on compliance, risk management, and operational procedures, improving team performance by 30%.
- Developed and maintained client relationships in a high volume banking environment while addressing customer needs and resolving account related issues.
Education
Bachelor of Science - Business Administration
SUNY College At Oswego
Oswego, NYMBA - Business Administration
Southern New Hampshire University
Hooksett, NHSkills
KYC & Financial Crime Risk: KYC, Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), BSA/AML, OFAC, Customer Onboarding, Risk-Based Review, Client Verification, Additional Verification & Documentation
Risk & Controls: Risk Assessment, Compliance Monitoring, Control Testing, Internal Controls, Risk Mitigation, Issue Identification, Remediation, Regulatory Compliance
Process & Operations: Process Improvement, Workflow Optimization, Procedure Development, Documentation Management, Operational Efficiency, Quality Control, Audit Support
Data & Analytics: Excel, Tableau, Power BI, Statistical Analysis, Data Integrity & Quality Control, Compliance Reporting
Technology: Alloy, LexisNexis, CRM Software, RegTech Solutions, Microsoft Copilot, Microsoft Office Suite
Additional: Cross-Functional Collaboration, Project Management, Professional Proficiency in Spanish
Timeline
Assistant Treasurer Consumer Compliance Specialist
Apple Bank
06.2025 - Current
Compliance Specialist
New York State Department Of Financial Services
10.2024 - 05.2025
New Accounts Documentation Specialist
Flagstar Bank
04.2021 - 09.2024
Personal Banker Officer
JPMorgan Chase Bank
03.2016 - 03.2021
MBA - Business Administration
Southern New Hampshire University
Bachelor of Science - Business Administration
SUNY College At Oswego