Iris Aimee Pinedo
Yonkers,NY
Overview
32
32
years of professional experience
Work History
AML- CTF- Fraud Specialist
01.2006 - Current
- Perform compliance audits for various Money Service Business ('MSB") clients
- The compliance audit program is risk-based, focusing on the BSA and USA Patriot Act regulatory requirements as well as evaluating and deciding whether management is adhering to its internally established controls, including policies and procedures, as well as to applicable U.S
- Laws and regulation
- Conducts post-audit follow-up to appraise adequacy of corrective action taken to audit recommendations
- Helped clients to develop compliance programs that meet local regulatory requirements, setting up procedures, employees training, remedial work and more.
External Auditor
VP Business Development- Correspondants Relationship
Omnex Group
01.2019 - Current
- Review and help management in building relationships with existing and potential new partners
- Negotiate agreements and pricing
- Work closely with the sales team to keep a sharp vision of strategic clients and develop processes to support them effectively
- Assist Compliance Department with the Onboarding Process new Correspondants and annual KYC
- Oversee the system integration and setup processes and procedures surrounding the scalable and effective deployment and ongoing support of these services
- Supervise the introduction of new services and/or correspondents, configuration related to the implementation and continuous support of these services for customer service, accounts payable and legal compliance departments
- Coordinate projects/ scheduling of tasks and responsibility for technical staff.
Vice President Operations and Correspondants Relationship
Choice Money Transfer/Small World Financial Services
01.2009 - 01.2019
- Find correspondents in new markets, negotiate agreements and pricing
- Develop a strong working relationship with agents, correspondant, and partners to ensure prompt implementation of services, as well as prompt and effective trouble resolution
- Oversee the introduction of new services and applications and develop new processes and procedures surrounding the scalable and effective deployment and ongoing support of these services
- Collaborated with the company management to implement policies, procedures and internal controls to correct compliance deficiencies, enhance compliance performance and/or adapt to regulatory changes in the operations and remittance system
- Responded to official inquiries from governmental agencies and helped with internal and external audits
- Review technology needs to ensure systems meet compliance obligations and company goals
- Led the development and implementation of Regulation E Manual and other Policies and Procedures to ensure that they are reasonably designed to achieve compliance with the requirements of the Dodd-Frank Act
- Administer and monitor transactions, fees, rates, commissions, and daily reports
- Compliance AML – Ofac Setup/ Risk Management in SMA System
- Setup in the system the parameters for the Compliance-Under Review module to ensure ongoing compliance
- Review technology needs to ensure that monitoring systems meet compliance obligations
- Work with accounts receivable and payable department to ensure the reports and statements are correct, to minimize errors and maximize revenue assurance
- Assist with the hiring of new employees and arrange staffing and scheduling needs
- Establish a standardized communication channel to ensure all tasks are completed among all shifts
- Provide ongoing employee training and skill assessment to ensure cross training and proper work distribution
- Member of the Global Compliance Committee
Compliance Officer Canada
Choice Money Transfer Canada
01.2011 - 01.2015
- Design and implement proper policies, procedures, and internal controls to manage Anti Money Laundering (AML)/Anti-Terrorist Financing (ATF) processes and ensure all staff understand their responsibilities for complying with such policies, procedures and processes
- Reviewing potential clients/entities for AML/ATF Risk factors related to trade-based money laundering
- Ensuring AML documentation is fully in place for all onboarded clients
- Ensure reporting obligations to FINTRAC and other key stakeholders are completed in a correct and prompt manner
- Provide training, job performance counseling and resource support to staff
- Monitor the effectiveness of the AML program, reviewing key controls on an on-going basis to decide areas of improvement and key gaps
- Assess new products and services for AML compliance risk
- Collaborate with regulatory authorities, financial intelligence units and law enforcement.
Compliance Officer USA
Choice Money Transfer
01.2004 - 01.2008
- Develop, implement, monitor, and oversee the AML/OFAC Compliance Program, Policies and Procedures, conduct risk assessments and maintenance of AML training program
- Identify and report to senior management issues, trends and potential gaps related to AML/OFAC risk
- Based on issues found, help business in developing and implementing internal controls, provide training, and address vulnerabilities with new/altered monitoring
- Executed internal audits of business units, financial reports, key processes, and significant transactions of the company to decide whether the BSA/AML compliance program and related internal controls are running effectively to provide assurance that the company follows applicable BSA/AML and Government Sanction laws and regulations
- Liase with regulatory and law enforcement agencies on escalated cases, examinations, and AML-related inquiries
- Complete and send required reporting to applicable federal agencies and/or affiliated entities with which we have agreed to provide said reports
- Providing training to employees on compliance related topics, policies, or procedures
- Keeping abreast of regulatory developments within or outside of the company as well as evolving best practices in compliance control.
Operation Manager and Business development
Global Remittances- NYB
01.2003 - 01.2004
- Established commercial relations with correspondents in Africa
- Control of the data setup in the Remittance System: agencies, correspondents, user, fees, commissions
- Coordinate transmission method and interfaces
- Work with Sales Management to ensure that client needs are met based on set expectations
- Act as an escalation point for all projects, service and trouble for agents and correspondent
- Work with Account Management team on accounts reconciliations, cancellation and adjustments requests
- Daily bank reconciliation with international bank account against daily operations
- Supervise all customer service relations and functions (complaints, cancellation, corrections request, filling).
Operation Manager and Business Development
Viamericas Corp.
01.2002 - 01.2003
- Established commercial relations with correspondents in Latin American
- Work with Executive Management and team to build and implement Customer Service business processes and guidelines for the implementation and support of our services: Web-system, offline system, prepaid card –call center to manage, retail goods delivery in Latin America
- Coordinate system setup, transmission methods, commissions, spreads and fees
- Trained agents with system and BSA compliance program
- Due diligence to agencies and correspondents until completes the file
- Trained agents with system and BSA compliance program
- Assists sales reps in their execution against general sales.
Transmission and Compliance Analyst
La Nacional dba American Money Transfer
01.1999 - 01.2002
- Data Transfer, operations and technical support to agents and correspondents
- Setup agencies and correspondant, fees and commission
- Global Rate and Sales rate setup
- Analyzing and understanding regulations and standards applicable to the company
- Working with different departments to understand their functions and how regulations apply
- Managing and maintaining documentation related to compliance activities
- Responding to requests for information from regulators or other external parties
- Monitoring Transactions for evidence of structuring.
Associate Attorney
Ilconsa (Investment and legal Consulting)
01.1996 - 01.1999
- Civil and Commercial law
- Property Law
- Real Estate
- Debt Collection for Financial Institutions.
Associate Attorney
Abel Rodriguez del Orbe y Leonel Fernandez, Law Office
01.1993 - 01.1996
- Practice in the areas of Civil and Criminal law.
Timeline
VP Business Development- Correspondants Relationship
Omnex Group
01.2019 - Current
Compliance Officer Canada
Choice Money Transfer Canada
01.2011 - 01.2015
Vice President Operations and Correspondants Relationship
Choice Money Transfer/Small World Financial Services
01.2009 - 01.2019
AML- CTF- Fraud Specialist
01.2006 - Current
Compliance Officer USA
Choice Money Transfer
01.2004 - 01.2008
Operation Manager and Business development
Global Remittances- NYB
01.2003 - 01.2004
Operation Manager and Business Development
Viamericas Corp.
01.2002 - 01.2003
Transmission and Compliance Analyst
La Nacional dba American Money Transfer
01.1999 - 01.2002
Associate Attorney
Ilconsa (Investment and legal Consulting)
01.1996 - 01.1999
Associate Attorney
Abel Rodriguez del Orbe y Leonel Fernandez, Law Office
01.1993 - 01.1996
External Auditor
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