Jose Antonio Miranda Lopez
Greenville,SC
Summary
Experienced and reliable Professional with track record of success across wide range of industries. Possesses exceptional interpersonal, problem-solving and analytical skills to provide advice and expertise to client organizations improving business performance. Experienced in all aspects of operations, compliance and risk mitigation.
Overview
45
45
years of professional experience
1
1
Certification
Work History
Consultant
Multiple Clients In Different Industries
10.2010 - 12.2021
- Analyzed problematic areas to provide recommendations and solutions.
- Implemented Systems' Enhancements and New Systems updating/writing the necessary Policies and Procedures.
- Trained Staff and Senior Management about the new Systems, Policies and Procedures.
- Monitored progress and reinforced training when necessary.
- Delivered outstanding service to clients to maintain and extend relationship for future business opportunities.
- Managed multiple deadlines across several businesses to meet dynamic needs of multiple clients.
- Created and developed detailed work plans to meet business priorities and deadlines.
- Responsible for the Master Class of a Risk Management Conference in Miami.
- Stopped the Consultant business and retired.
BSA/AML Compliance Officer
Eastern National Bank
03.2019 - 10.2019
- Another overlap with the Consulting Activity. The Bank decided to hire me when I was serving other Clients.
- Assessed the existing Team and Systems.
- Enhanced Systems, reengineered workflow to improved efficiency of the Analysts and quality of their assessments, which increased about 80% the number of Reports of Suspicious Activity.
- Updated and/or wrote new Policies and Procedures to ensure compliance with BSA/AML and OFAC Regulations.
- Trained Staff and Senior Management about the Policies and Procedures and the new methodology implemented to reach the goals.
- Eliminated the four months backlog that existed when took over the position.
- Encouraged Staff to stand up for their findings and took the discussions as an opportunity for an on-going training.
- Assessed the Business and Operational infrastructure to determine adequacy and capacity to support growth and new Lines of Business.
- Assessed Capital Adequacy and Liquidity Risks associated to newly proposed businesses.
- Assessed Identity Theft Prevention Program (ITPP) and drafted updates to Policies and Procedures which were escalated to the Regulatory Compliance Officer.
- Drafted enhancements to Operational Policies and Procedures which were escalated to the Operations Officer.
- Interacted with internal and external auditors, regulators and law enforcement agencies.
- Coordinated the transfer of OFAC blocked assets with a Bank that was closing operations.
- Coordinate investigations related to potential fraudulent activities.
- Communicated with Compliance Manager to thwart potential money laundering or terrorist financing and the corresponding reporting to the authorities.
- Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
- Documented and alerted Senior Management and the Board of Directors about the Risks associated with the behavior of a Leader and the new business that was promoting.
- About one year after leaving the bank, I received a Subpoena from OCC and was subject to eight hours deposition about the activities I had alerted to the President and the Board of Directors. Fortunately, the OCC Officers had all the documents I had written, that in some cases, helped me to refresh my memory.
Financial Accounting Cosultant
Vector Global WMG
05.2011 - 11.2011
- Implemented Systems' Enhancements.
- Updated policies and procedures.
- Compiled and reported financial data.
- Discussed with Senior Management any investigated variances to resolve discrepancies.
- Kept Staff motivated in a stressfully and highly demanding environment.
Operational Risk Officer
City National Bank Of Miami
06.2010 - 01.2011
- While consulting, the bank approached me to develop and implement a Risk Management System, which for two months overlapped with existing Clients until I was able to fully delegate my duties.
- Developed the methodology and wrote the necessary Policies and Procedures and escalated them for Senior Management/Board Approval. (At the time I left the Bank, approval was still pending.)
- Established and oversaw application of operational risk policies, technology and tools and governance processes to create lasting solutions for minimizing losses.
- Took initiative in gathering information and solving problems independently within highly structured corporate environment.
- Applied subject matter expertise and industry knowledge to provide independent oversight to operational risk management activities.
- Influenced appropriate risk management prioritization on front lines to promote strategic objectives while meeting operational risk program expectations.
Business Risk Officer
Standard Chartered Bank
08.2007 - 03.2010
- Established and oversaw application of operational risk policies, technology and tools and governance processes to create lasting solutions for minimizing losses.
- Took initiative in gathering information and solving problems independently within highly structured corporate environment.
- Applied subject matter expertise and industry knowledge to provide independent oversight to operational risk management activities.
- Influenced appropriate risk management prioritization on front lines to promote strategic objectives while meeting operational risk program expectations.
- Prepared and escalated the Risk Profile of the Branch and its businesses.
- Trained Staff and Senior Management about me methodology to be followed for the Assessments of each Department/Unit.
- Developed and implemented the Risk Assessment for the newly created Broker Dealer Line of Business.
- Influencing without authority was a critical skill for this position.
- Declined moving to Singapore; therefore, I had to leave the Bank.
Remediation Project Leader
American Express Bank
06.2006 - 08.2007
- During two months maintained Credit Responsibilities until my Deputy received the necessary approvals.
- Inspired and coached team members.
- Defined responsibilities, duties and roles of each team member.
- Managed team meetings and discussed project's goals and objectives.
- Observed progress of each project, examined risks and coordinated contingency plans.
- Assessed quality of Enhanced Due Diligence (KYC Profiles, Call Reports and Supporting Documents).
- Maintained controls of progress metrics and escalated them to Senior Management in Miami and New York.
Regional Credit Officer
American Express Bank
09.2003 - 08.2006
- Adhered to Regulatory and Head Office's lending guidelines for loan services.
- Organized and reviewed loan applications and supporting documents.
- Analyzed applicants' financial status and collaterals to determine credit worthiness.
- Approved Credit Lines and Transactions withing the delegated Authority.
- Trained, coached and inspired the inherited Team to maximize the potential of each individual and prepared them to take additional responsibilities.
- Added one Human Resource to the Team, enhanced systems and reengineered processes which allowed increasing the credit portfolio by 114% and strengthen control on Risk concentration (Collateral and Country Risks).
- Devised collection recovery strategis to resolve customer issues and delinquent cases.
Chief Administrative Officer
American Express Bank
01.2000 - 08.2003
- Implemented and monitored organizational plans and developed goals and strategies to address prioritized issues.
- Promoted collaborative and coordinated planning to achieve goals and objectives.
- Partnered with business leaders to achieve financial performance, expand clients and services and foster inclusive culture for all employees.
- Developed corrective action plans for potential areas of compliance vulnerability.
- Enhanced systems, reengineered processes and reallocated Human Resources that allowed to move forward with a must needed downsizing.
Credit and Compliance Officer
American Express Bank
04.1994 - 01.2000
- In addition to previously mentioned Credit Responsibilities, the role was expanded to take over the Compliance once's.
- Identified, investigated and documented compliance violations and recommended corrective measures.
- Responded to employee inquiries regarding compliance regulations and procedures.
- Developed and maintained compliance database, tracking all compliance activities and documents.
- Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
- Assessed Regulatory Compliance Risks as well as BSA/AML and OFAC and reported findings to Senior Management and Head Office.
- During this period, I was invited as speaker to AML Conferences in Buenos Aires, Argentina and Asunción, Paraguay.
- In 1997 integrated the Management Team responsible for a reengineering that reduced headcount by 40%.
Credit Officer
American Express Bank
05.1992 - 03.1993
- Adhered to banking standards and government lending guidelines for loan services (Local and Head Office).
- Organized and reviewed credit applications and supporting documents.
- Analyzed Client's Financial Statements, Market and Operating Risks, Guarantees, etc. to determine loan feasibility.
- Approved Credit Lines and Transactions within delegated authority
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
Auditor
American Express Bank
07.1984 - 04.1992
- Followed established auditing processes to meet internal and regulatory requirements.
- Analyzed data and findings to prepare reports detailing financial information.
- Communicated with auditee staff to obtain necessary information for audits.
- Performed observations and evaluated supporting documents to supplement audit findings.
- Recommended corrective actions to Senior Management.
- During New York Audits, joined the Team as a full member.
- Audited the Offices of Buenos Aires, Argentina and Sao Paulo, Brazil.
- In 1991 joined the Team that audited the Branch of Santiago, Chile (49 days), as specialist in Trade Finance, Credit Operations and Treasury.
- Been in this position, between November 1991 and April 1992 attended AEB's Management Program in New York.
New York Reporting
American Express Bank
03.1983 - 07.1984
- Analyzed accuracy of System produce data and prepared Financial Reports to Head Office in New York.
- Responded to enquiries from Head Office.
- Collaborated with Team in charge of Local Mandatory Reporting to the Central Bank.
- Liaison with Programmers, Regulatory Auditors and New York Auditors.
Finance Analyst
Trade Development Bank
03.1981 - 03.1983
- Reconciled Financial and Correspondent Banks' Accounts.
- Compiled and submitted reports and Monthly Financial Statements.
- Compiled data, reports and year-end audit information.
- Compiled and coordinated financial data for analysis and reconciliation.
Auditor
UBUR - (Unión De Bancos Del Uruguay)
06.1979 - 03.1981
- Followed established auditing processes to meet internal and regulatory requirements.
- Analyzed data and findings to prepare reports detailing financial information.
- Communicated with auditee staff to obtain necessary information for audits.
- Performed observations and evaluated supporting documents to supplement audit findings.
- Investigation of fraudulent activities.
Clerical Positions
3 Different Companies; No Financial Institutions
01.1977 - 05.1979
- Provided clerical support to company employees and Management.
- Interacted with customers by phone or in-person to gather and/or provide information.
- Responded to inquiries from callers seeking information.
- Invoicing and collection of pending invoices.
- Control of Stock.
Education
Associate of Arts - Business Administration And Management
Universidad ORT
Montevideo, Uruguay11.1991
Associate of Arts - Law School
Universidad De La República (UDELAR)
Montevideo, Uruguay12.1983
Skills
- Risk Management
- Performance Assessment
- Solution Optimization
- Disaster Recovery Planning
- Six Sigma Methodologies
- Process Improvement
- Client Engagement
- Information Security
- Safety Regulations
- Leadership
- Honesty and Integrity
- Processes and Procedures
Accomplishments
- Collaborated with team of up to 6 people in the development and implementation of Reengineering Projects in Uruguay and Miami.
- Documented and resolved Systems, Organizational and Procedural deficiencies which led to a 110% increase in the Credit Portfolio.
- Structured the largest and most complex credit transaction of AEBI Miami's history, sold it to the Market and generated $2.8MM net revenue.
- Documented and resolved Systems and Procedural deficiencies which led to improve the quality of analysis and about 80% increase in reporting of Suspicious Activity.
- To be respected by former Colleagues, that up to date, continue contacting me when looking for advise or answers to legal and compliance inquiries.
Certification
ACAMS - Certified Anti-Money Laundering Specialist. (When retired, I let the Certification expire.)
Languages
English
Full Professional
Spanish
Full Professional
Portuguese
Limited Working
Timeline
BSA/AML Compliance Officer
Eastern National Bank
03.2019 - 10.2019
Financial Accounting Cosultant
Vector Global WMG
05.2011 - 11.2011
Consultant
Multiple Clients In Different Industries
10.2010 - 12.2021
Operational Risk Officer
City National Bank Of Miami
06.2010 - 01.2011
Business Risk Officer
Standard Chartered Bank
08.2007 - 03.2010
Remediation Project Leader
American Express Bank
06.2006 - 08.2007
Regional Credit Officer
American Express Bank
09.2003 - 08.2006
Chief Administrative Officer
American Express Bank
01.2000 - 08.2003
Credit and Compliance Officer
American Express Bank
04.1994 - 01.2000
Credit Officer
American Express Bank
05.1992 - 03.1993
Auditor
American Express Bank
07.1984 - 04.1992
New York Reporting
American Express Bank
03.1983 - 07.1984
Finance Analyst
Trade Development Bank
03.1981 - 03.1983
Auditor
UBUR - (Unión De Bancos Del Uruguay)
06.1979 - 03.1981
Clerical Positions
3 Different Companies; No Financial Institutions
01.1977 - 05.1979
Associate of Arts - Business Administration And Management
Universidad ORT
Associate of Arts - Law School
Universidad De La República (UDELAR)