Henry Santiago-Vicéns
Hatillo ,PR
Summary
Accomplished Risk Management and Regulatory Compliance Professional with 24 years of experience in developing and managing corporate compliance and risk management programs across global organizations. Expertise in risk mitigation strategies, asset management, operational risk management, and physical security. Proven ability to drive cost-saving initiatives and enhance organizational efficiency through cross-functional collaboration and strategic planning. Strong communicator with a track record of transforming low-performing teams into high-caliber workforces.
Overview
26
26
years of professional experience
Work History
Attorney & Compliance Consultant
10.2024 - Current
- Engage on compliance remediation and review engagements (onsite/remote).
- Oversaw case evaluation, management, and document review in compliance with state and federal guidelines.
- Review an interpret contracts, laws, regulations, and rulings applicable to a particular case.
- Offer legal counsel to minimize risk, obtain loss mitigation and develop litigation strategies for state-chartered credit unions.
- Offer recommendations to enhance policies, procedures, and operations.
- Draft legal memos, briefs, and correspondence concerning customers' claims, legal actions, regulatory and audit inquiries.
- Perform regulatory legal analysis.
- Formulate summaries of U.S. and non-U.S. banking laws and regulations, emphasizing key definitions, requirements, and exceptions.
- Manage testing, reports, and executive summaries and briefed management.
Compliance Risk Management Officer - Strategic Controls | Vice President
Citibank N.A.
03.2021 - 08.2022
- Introduced internal strategies, policies, procedures, processes, and programs to impede violations of law, rule, or regulation as compliance risk officer.
- Institutes and implements a risk management framework that maintains risk levels within the firm's risk appetite and protects the franchise.
- Coordinates with Citi’s Independent Compliance Risk Management (ICRM) product and function coverage teams to develop and execute compliance and risk management program solutions in compliance with the bank’s program framework.
- Integral in developing exceptional compliance programs, policies, and practices for ICRM from conceptualization to completion.
- Conducts complex comparative data analysis, drafting and presenting regional and global reports concerning compliance risk assessments, and monitoring of compliance-related issues.
- Evaluates materials in compliance with various regulatory and legal requirements while identifying and resolving compliance risks.
- Ensured adherence to Citi’s Compliance Risk Policies and relevant procedures and preparation, editing, and maintenance of Compliance program-related materials.
- Orchestrated regulatory changes, new regulations, and internal policy changes to identify new key risk areas.
- Worked under a limited level of direct supervision and acted as Subject Matter Expert to senior stakeholders and other team members.
- Evaluated risk when business decisions were made, ensuring compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct, and business practices.
- Citibank N.A. is one of the world’s largest retail and commercial banks.
Paralegal Advanced - Citibank Project (Remote)
Real Soft Inc.
03.2020 - 03.2021
- Oversaw case evaluation, management, and document review in compliance with state and federal guidelines.
- Integral in comprehending contracts, laws, regulations, and rulings as applicable to a particular case.
- Offered legal counsel to minimize risk, obtain loss mitigation and develop litigation strategies.
- Offered recommendations to enhance policies, procedures, and operations.
- Drafted legal memos, briefs, and correspondence concerning customers' claims, legal actions, regulatory and audit inquiries.
- Formulated summaries of U.S. and non-U.S. banking laws and regulations, emphasizing key definitions, requirements, and exceptions.
- Managed testing, reports, and executive summaries and briefed management.
- Real Soft Inc. is an US-based global software company providing professional services for project consultancy, management and implementation of business technology solutions to worldwide banking and financial organizations.
Senior Regulatory Compliance Specialist | Assistant Vice President
Santander International Bank
12.2015 - 03.2020
- Conducted compliance risk assessment consistently by implementing the bank’s regulatory compliance monitoring program and validation policies, procedures, and practices.
- Consistently updated regulatory compliance program according to new or amended laws and regulations.
- Carried out institution-wide and targeted regulatory compliance testing to ensure compliance with regulatory requirements and entity policies and procedures.
- Served as subject matter expert for stakeholders resolving their inquiries regarding the interpretation and applicability of regulations, policies, and procedures.
- Drafted presentations and dashboards for the entity committees and Board.
- Facilitated the development of compliance action plans for regulatory examinations and internal audits.
- Conducted annual regulatory risk assessment and executive summary report.
- Santander is one of the world’s largest retail and commercial banks.
Compliance Manager
CAPCO (formerly FIS RISC Solutions)
11.2012 - 12.2015
- Determined potential areas of compliance vulnerability or risk and overview implementation of corrective action plans.
- Dexterously followed current industry trends, best practices, and regulatory changes/enforcement actions to identify concern and risk exposure areas.
- FIS is one of the world’s largest fintech providers dedicated to provide transactions management, fraud, risk management and regulatory compliance solutions to banking and financial companies. CAPCO is a global technology and management consultancy specializing in driving digital transformation and regulatory compliance in the financial services industry.
Attorney & Compliance Consultant
Santiago Law & Consulting
10.2010 - 11.2012
- Engage on compliance remediation and review engagements (onsite/remote).
- Oversaw case evaluation, management, and document review in compliance with state and federal guidelines.
- Review an interpret contracts, laws, regulations, and rulings applicable to a particular case.
- Offer legal counsel to minimize risk, obtain loss mitigation and develop litigation strategies for state-chartered credit unions.
- Offer recommendations to enhance policies, procedures, and operations.
- Draft legal memos, briefs, and correspondence concerning customers' claims, legal actions, regulatory and audit inquiries.
- Perform regulatory legal analysis.
- Formulate summaries of U.S. and non-U.S. banking laws and regulations, emphasizing key definitions, requirements, and exceptions.
- Manage testing, reports, and executive summaries and briefed management.
- Led complex litigation cases, achieving favorable outcomes for clients through strategic legal analysis.
- Conducted extensive legal research and drafted comprehensive briefs, enhancing case strategies and supporting litigation efforts.
- Negotiated settlements and agreements, effectively resolving disputes while preserving client relationships.
- Managed complex caseloads effectively by prioritizing tasks and keeping organized records of case materials.
- Researched and interpreted laws, rulings and regulations to advise clients on business and legal transactions.
Compliance and CRA Officer | Assistant Vice President
Western Bank Puerto Rico
09.2007 - 08.2010
- Western Bank Puerto Rico was the second largest commercial bank in Puerto Rico with over $16 billion in assets offering business and consumer financial services, including banking, trust and brokerage services.
Director Complaints Division
Office of the Commissioner of Financial Institutions of Puerto Rico (OCIF)
10.2001 - 09.2007
- OCIF is the state banking and financial regulator in charge of licensing and examination on partnership with federal bank regulators (FDIC and Federal Reserve).
Legal Counsel
Office of the Commissioner of Financial Institutions of Puerto Rico (OCIF)
01.2000 - 10.2001
- OCIF is the state banking and financial regulator in charge of licensing and examination on partnership with federal bank regulators (FDIC and Federal Reserve).
Education
Juris Doctor -
Interamerican University of Puerto Rico Law School
Hato Rey, Puerto RicoBachelor of Arts Economics & Business Administration - undefined
Interamerican University of Puerto Rico
Río Piedras, Puerto RicoSkills
- Microsoft Office Suite (Word, Excel, PowerPoint, Outlook, etc)
- Legal research software (LexisNexis, Westlaw, Thomson Reuters)
- Teleconference applications (Microsoft Teams, Zoom, Cisco Webex, etc)
- Enterprise risk management
- Audit coordination
- Incident response planning
- Compliance monitoring
- Legal compliance
- Operational risk assessment
- Vendor risk management
- Risk mitigation strategies
- Risk advisory
- Information security management
- Internal controls evaluation
- Key risk indicators
- Operational resilience
- Cybersecurity risk assessment
- Business continuity planning
- Teamwork and collaboration
- Organizational skills
- Risk assessment
- Project management
Affiliations
- American Bar Association
- Puerto Rico Bar Association
- American Bankers Association (ABA)
- Florida International Bankers Association (FIBA)
- International Association of Certified Risk and Compliance Professionals (IACRCP)
Languages
English
Spanish (first language)
Timeline
Attorney & Compliance Consultant
10.2024 - Current
Compliance Risk Management Officer - Strategic Controls | Vice President
Citibank N.A.
03.2021 - 08.2022
Paralegal Advanced - Citibank Project (Remote)
Real Soft Inc.
03.2020 - 03.2021
Senior Regulatory Compliance Specialist | Assistant Vice President
Santander International Bank
12.2015 - 03.2020
Compliance Manager
CAPCO (formerly FIS RISC Solutions)
11.2012 - 12.2015
Attorney & Compliance Consultant
Santiago Law & Consulting
10.2010 - 11.2012
Compliance and CRA Officer | Assistant Vice President
Western Bank Puerto Rico
09.2007 - 08.2010
Director Complaints Division
Office of the Commissioner of Financial Institutions of Puerto Rico (OCIF)
10.2001 - 09.2007
Legal Counsel
Office of the Commissioner of Financial Institutions of Puerto Rico (OCIF)
01.2000 - 10.2001
Bachelor of Arts Economics & Business Administration - undefined
Interamerican University of Puerto Rico
Juris Doctor -
Interamerican University of Puerto Rico Law School
SKILL AREAS
- Compliance Program Management
- Federal and State Consumer Protection Regulation
- Regulatory Exam Management
- Risk Assessment and Remediation
- Risk and Loss Mitigation
- Key Account Management
- Presentations
- P & L Management
- Process Improvement
- Cross Function Team Leadership
- Competitive Analysis
- Strategic Planning
- Training & Development
- Customer Service
- Problem-Solving
- Leadership
- Strong Interpersonal Skills
- Analytical Skills
- Relationship Management
- Team Management
- Outstanding Communications Skills
- Regulatory Legal Analysis
- Regulatory Change Management
- Risk-based Policies and Procedures