Henry Espinal
Houston,TX
Summary
Skilled at preparing and submitting regulatory documentation, including reviewing materials, technical data, and accuracy of filings. Articulate and personable with exceptional data analysis, report writing, and recordkeeping abilities.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Wires Processor
Shared Solution Services (S3)
Houston, TX
11.2023 - Current
- Process files and settlements for Shared Branch network for partner credit unions
- Perform functions related to incoming, outgoing, domestic, and international wire transfers, including balancing and settlement
- Proven track record of strict adherence to banking regulations including Reg E, Reg CC, Reg P, Reg Z, Reg DD, and others, ensuring full compliance with industry standards and legal requirements.
- Secure and maintain confidential member information
- Perform various types of research and adjustments related to wire processing
- Work in collaboration and partnership with other team members and departments
- Flagging and clearing OFAC alerts
- Flagging accounts not within expected KYC
- Explaining to bankers and members why wires were returned, voided, or rejected
- In constant communication with AML/BSA, OFAC, and Treasury Management Teams
- Completing members’ due diligence to prevent scams and fraudulent transactions
- Advise Credit Unions when SARs submitting is necessary for their internal fraud team to investigate further
- Conduct review and final approvals of wire for all 3 credit unions
- Research all wire recalls, traces, amendments, and reasons for rejected payments
Preferred Senior Banker (Operations)
First Republic Bank
San Francisco, CA
05.2022 - 08.2023
- Process client transactions such as deposits, withdrawals, book transfers, wire transfers, loan funding, advances and payments, ACH, and purchases and sales of foreign currency and foreign drafts
- Assisted clients by phone, email, and in person with transaction requests and account inquiries and work as liaison with other departments to meet clients’ needs
- Work with other departments to assist in processing of specialized transactions (for example, loan fees and special business banking capital calls)
- Developed an understanding of how to read our clients’ documentation (wire instructions, Trust and Estate documents, Drawdown agreements, etc.)
- Assisted in audits of the department’s previous day’s new accounts and maintenance changes to ensure compliance with internal operating procedures
- Worked closely with compliance officers to ensure adherence to regulatory requirements, minimizing the risk of fines and penalties due to noncompliance.
- Provided pre-, ongoing, and post-inspection follow-up assistance to banking auditors.
- Ensured regulatory compliance by conducting thorough audits and assessments of company policies and procedures.
- Implemented robust record-keeping systems to ensure accurate tracking and easy retrieval of compliance-related information during inspections or audits.
- Stayed abreast of evolving regulations by attending seminars, conferences, webinars, and other professional development opportunities.
- Supported external audits by providing necessary documentation, addressing inquiries, and implementing corrective actions as needed.
- Stayed up-to-date with industry trends and regulatory changes, ensuring compliance across all banking activities.
- Worked with internal departments to confirm and update client information and help expedite any research requests and/or refer them to the appropriate department to ensure timely responses
- Collaborated with legal and compliance teams to escalate and resolve complex compliance issues, resulting in timely and effective resolutions
- Issued certified payments as requested
- Processed and responded to emails or inquiries from Online Banking, Call Center, and other Deposit Services team members
- Managed overnight inclearings and provided credit approvals that were within limits or escalated to higher credit approval authority
- Kept constant communication with the Banking Team regarding overdrafts that were 3 or more days old
- Conducted in-depth client due diligence, including customer risk assessment, transaction monitoring, and enhanced due diligence
- Assisted senior analysts in conducting client due diligence and transaction monitoring, gaining hands-on experience in AML/KYC processes
- Collaborated with cross-functional teams to assist in resolving compliance issues, gaining exposure to real-world scenarios
- Submitted SAR, and CTR when necessary, with detailed description of occurrences
- Added new procedures of wire recon to ensure information was received efficiently and effectively by the department manager and director when requested
- Assisted the Portland wire team in entering and approving wires accurately and efficiently
- Ensured the RM1 team and Portland team adhered to bank policies and procedures by verifying documentation and providing final approval.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Presented financial reports to senior management, informing strategic decision-making on key business initiatives.
- Managed a diverse portfolio of high-net-worth individuals, effectively addressing their banking needs.
- Conducted research to answer questions and handle issues using multiple systems and resources.
- Facilitated communication between various bank departments, promoting a collaborative work environment and efficient problem resolution for clients.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Worked effectively in fast-paced environments.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Managed time efficiently in order to complete all tasks within deadlines.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Identified issues, analyzed information and provided solutions to problems.
- Provided professional services and support in a dynamic work environment.
- Passionate about learning and committed to continual improvement.
- Worked well in a team setting, providing support and guidance.
Banker II
Fifth Third Bank
Wheeling, IL
10.2018 - 12.2021
- Managed a book of business composed of 600 clients with a major focus on small and middle-market businesses
- Conducted standard KYC for new and assisted colleagues in reviewing and resetting new KYC limits for existing clients
- Assisted AML/BSA team conducted CDD (customer due diligence) and EDD (enhanced due diligence) on new and existing clients
- Adhered to the company’s policy to manage and deter money laundering attempts
- Monitored account activity and identified suspicious transactions, taking appropriate action to prevent fraud.
- Conducted research on potential high-risk clients to lower risk exposure
- Demonstrated subject matter expertise in personal loan product offerings, providing tailored financial solutions to clients
- Provided retail and corporate banking solutions to best-service businesses and deepened banking relationships
- Cultivated new relationships with local retail businesses and maintained strong relationships with existing partners
- Oversaw various branch duties, including loan approval, collection activities, insurance claims processing, review of new CDs and depository accounts, research of GL transactions, etc
- Supported business partners such as investment executives, mortgage loan officers, and regional and branch managers
- Worked closely with the Treasury Management Team with onboarding of new clients and referred new leads for expanding businesses
- Reached out to clients on aging overdrafts before accounts were sent to collections
- Managed and approved intraday overdrafts (OD) within my limits and requested approval from managers on exceptions or higher limit requests
- Supported Tellers on daily reports and complex transactions as well as assistance entering SAR and CTR
- Prepared documentation for quarterly audits such as gathering and reviewing all wires, ACH, new DDA/SAV, NSF checks, and fraudulent trends reports
- Set up online banking for personal, small business, and commercial clients.
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.
- Handled various accounting transactions.
- Built and maintained portfolio of loans to meet established goals and objectives.
- Opened, closed, and updated accounts for customers.
- Processed customer applications and approved loans in accordance with bank policy.
- Educated customers on online banking and mobile banking applications.
- Cross-sold credit cards, loans and other bank products.
- Optimized resource allocation, strategically assigning tasks based on individual strengths and workload capacity for maximum efficiency.
- Calculated fees due, interest and change for customer transactions.
- Led training programs for both new hires and existing employees, ensuring consistent adherence to industry best practices across all roles within the branch team.
- Managed risk exposure by conducting thorough credit assessments for loan applicants.
- Developed and implemented strategies to reduce risk and increase profitability.
- Referred customers to other banking departments for specialized services.
- Executed wire transfers, stop payments and account transfers.
- Maintained friendly and professional customer interactions.
- Mentored junior staff members, fostering a supportive work environment that encouraged professional growth and development.
- Maintained strict compliance with all banking regulations, ensuring a secure and trustworthy environment for clients.
- Leveraged advanced analytical tools to assess portfolio performance, making informed recommendations for adjustments as needed.
- Proactively identified potential fraud or suspicious activity, taking appropriate action to protect client accounts and bank assets.
- Investigated customer inquiries and resolved discrepancies in helpful and timely manner.
- Streamlined operations, implementing efficient processes to improve overall productivity and performance.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Gained strong leadership skills by managing projects from start to finish.
- Organized and detail-oriented with a strong work ethic.
- Learned and adapted quickly to new technology and software applications.
- Worked well in a team setting, providing support and guidance.
- Applied effective time management techniques to meet tight deadlines.
- Worked effectively in fast-paced environments.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Banker I
Fifth Third Bank
Lincolnshire, IL
02.2017 - 10.2018
- Assisted Tellers with complex transactions
- Assisted Financial Center Manager with opening accounts and setting up appointments
- Worked on deepening a pre-existing book of business for 150 clients
- Opened new banking relationships and referred clients to MLOs, Investment Executives, and Private Banking as needed
- Called clients to review financial needs and promotion opportunities
- Assisted with vault balancing, replenishment, audits, and discrepancies.
- Processed customer applications and approved loans in accordance with bank policy.
- Received loan and property tax payments, sending funds to correct destinations.
- Increased client satisfaction by providing tailored financial advice and personalized banking solutions.
- Monitored account activity and identified suspicious transactions, taking appropriate action to prevent fraud.
- Maintained strict compliance with all banking regulations, ensuring a secure and trustworthy environment for clients.
- Investigated customer inquiries and resolved discrepancies in helpful and timely manner.
- Cross-sold credit cards, loans and other bank products.
- Counted, verified and handled bank deposits and armored car transactions.
- Maintained friendly and professional customer interactions.
- Collaborated with other departments to confirm compliance with banking procedures and regulations.
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.
- Spearheaded community outreach initiatives to establish strong connections with local organizations and promote the bank''s commitment to social responsibility.
Manager
Merrell
Rosemont
03.2014 - 02.2017
- Controlled resources and assets for department activities to comply with company standards.
- Successfully managed budgets and allocated resources to maximize productivity and profitability.
- Developed and maintained relationships with customers and suppliers through account development.
- Planned, created, tested, and deployed strategies to produce high-quality results to meet and exceed customer expectations.
- Implemented innovative marketing campaigns that boosted brand awareness and generated significant sales leads.
- Onboarded new employees with training and new hire documentation.
- Evaluated employee performance and conveyed constructive feedback to improve skills.
- Established team priorities, maintained schedules and monitored performance.
- Used industry expertise, customer service skills and analytical nature to resolve customer concerns and promote loyalty.
- Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
- Improved staffing during busy periods by creating employee schedules and monitoring call-outs.
- Leveraged data and analytics to make informed decisions and drive business improvements.
- Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
- Drove operational efficiency through data-driven decision-making processes, leveraging analytics tools for informed strategy development.
Education
Certificate - Paralegal Studies
Triton College
River Grove, IL06.2015
Bachelor of Science - Political Science
University of Illinois At Chicago (UIC)
Chicago, IL07.2014
Skills
- Punctual and Reliable
- Critical Thinking
- Computer Skills
- Attention to Detail
- Document Management
- Document Review
- Research Expertise
- Compliance Monitoring
- Payment Processing
- Auditing experience
- Legal Research
- Legal Compliance
Certification
Certified Anti-Money Laundering Specialist, ACAMS, March 2024
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Wires Processor
Shared Solution Services (S3)
11.2023 - Current
Preferred Senior Banker (Operations)
First Republic Bank
05.2022 - 08.2023
Banker II
Fifth Third Bank
10.2018 - 12.2021
Banker I
Fifth Third Bank
02.2017 - 10.2018
Manager
Merrell
03.2014 - 02.2017
Certificate - Paralegal Studies
Triton College
Bachelor of Science - Political Science
University of Illinois At Chicago (UIC)