Miriam Ruiz
Chicago,IL
Overview
16
16
years of professional experience
Work History
Sr. Business Control Specialist-Quality Assurance AML - Global Operations
Bank of America
01.2023 - Current
- Conduct thorough reviews of customer profiles and due diligence documentation to ensure they are up-to-date and accurate
- Verify that customer information, risk assessments, and monitoring parameters are in compliance with AML policies and regulatory requirements
- Perform quality control checks on CDD and EDD files and AML processes to identify discrepancies or non-compliance issues
- Conduct periodic reviews to assess the effectiveness and accuracy of the AML refresh process
- Ensure that AML policies, procedures, and guidelines are consistently followed during the refresh process
- Maintain comprehensive records of the refresh process reviews, including findings, actions taken, and areas for improvement
- Provide guidance and training to AML personnel involved in the refresh process to enhance their understanding of regulatory requirements and best practices
- Stay up-to-date with AML laws and regulations, ensuring that the refresh process aligns with the latest compliance standards
- Identify opportunities for process improvement and suggest enhancements to streamline the refresh process while maintaining compliance
- Conduct internal tests and validations of the AML refresh process, comparing results against expected outcomes
- Analyze data from the refresh process to identify trends, anomalies, and potential weaknesses in the AML program.
Commercial AML/KYC Analyst
BMO Harris Bank
04.2022 - 12.2023
- Conducted On Boarding Due Diligence on new customers on a timely manner to high quality standards
- Ensured all required documentation was received, analyzed and responded efficiently to any risk issues through research and proper escalation
- Provided guidance to LOB for timely collection of client information/documentation to ensure compliance with all relevant AML/KYC regulations, policies and risk management requirements
- Investigated client data utilizing all available internal/external systems to develop a comprehensive analysis of who the client is and whether there are high-risk
- Reviewed, investigated, and understood organizational structure and determined ownership and control parties to identify all final beneficiaries and potential Politically Exposed Persons (PEPs)
- Perform ongoing monitoring of client accounts to identify suspicious activities and ensure compliance with AML/KYC regulations
- Conduct periodic reviews and updates of customer files to ensure ongoing compliance with AML/KYC regulations
- Conduct periodic AML/KYC training sessions for employees to ensure they are up to date with the latest regulations and best practices.
Surveillance Testing Coordinator
Acero Schools
12.2021 - 04.2022
- Reviewed and analyzed COVID-19 test data for students, effectively identifying positive cases
- Maintained the utmost confidentiality while communicating results to schools and individuals, ensuring privacy and trust
- Conducted precise data entry into multiple platforms, including the Student Information Database, Patient Portal, and Google Spreadsheets, maintaining data integrity
- Assisted in the auditing of testing sites to guarantee the adherence to best practices, thus ensuring the accuracy of test results
- Provided valuable support for various assigned projects, contributing to the overall efficiency of the testing and reporting processes
- Employed strong communication skills in handling sensitive information and maintaining data security
- Analyzed data to identify trends and patterns, enabling data-driven decisions and proactive response strategies.
Anti-Money Laundering Specialist
Seguros Monterrey New York Life
07.2017 - 03.2018
- Vigilantly ensured effective compliance with Anti-Money Laundering (AML) legislation, upholding the highest regulatory standards
- Diligently monitored and managed high-risk activities, proactively identifying and addressing potential compliance challenges
- Employed a strategic approach to risk mitigation, safeguarding the organization against financial crimes and regulatory violations
- Conducted comprehensive AML screening using both proprietary software and third-party systems, minimizing exposure to illicit activities
- Systematically updated Politically Exposed Persons (PEP) lists, maintaining regulatory compliance and enhancing risk management
- Demonstrate an unwavering commitment to regulatory compliance, staying up-to-date with evolving standards and best practices
- Executed precise data entry procedures, contributing to data integrity and operational efficiency
- Evaluate the risk associated with customer accounts and transactions, highlighting high-risk cases that require enhanced scrutiny.
AML/KYC Analyst
Citigroup Banamex
07.2014 - 07.2017
- Proficiently conducted AML screening using proprietary software and third-party systems, ensuring swift and accurate identification of potentially illicit activities
- Provided comprehensive evidence to substantiate Suspicious Activity Reports (SARs), contributing to the prevention of financial crimes
- Meticulously updated the Politically Exposed Persons (PEP) list on a monthly basis, maintaining regulatory compliance and safeguarding against risks
- Spearheaded the development and automation of the AML program, enhancing operational efficiency and compliance capabilities
- Designed and delivered comprehensive AML training programs, empowering employees with a deep understanding of AML regulations, policies, and procedures
- Collaborated closely with the legal team to ensure full compliance with AML legislation and regulations, mitigating legal and financial risks
- Conducted periodic internal audits to evaluate the AML program's effectiveness and identify areas for enhancement
- Consistently performed regular assessments and audits to ensure ongoing compliance with evolving regulatory requirements
- Vigilantly monitored and managed high-risk activities for both existing and new clients, proactively identifying and addressing potential compliance issues.
Customer Service
Nestle Mexico
02.2013 - 07.2014
- Diligently reviewed documentation to reconcile received goods with ordered items, ensuring precision in the supply chain
- Successfully completed end-to-end order-to-cash processes, guaranteeing seamless transactions and customer satisfaction
- Maintained meticulous records of processed invoices, consistently upholding company policies and regulatory standards
- Proficiently created monthly reports, offering valuable insights into supply chain operations, inventory levels, and cost efficiencies
- Actively tracked and improved key performance indicators (KPIs), contributing to enhanced results and process optimization
- Managed inbound and outbound calls to coordinate deliveries, address customer concerns, and liaise with suppliers and logistics partners
- Responsively handled various inquiries, providing timely and comprehensive solutions to maintain customer satisfaction and operational effectiveness
- Collaborated within cross-functional teams to streamline supply chain processes, reducing lead times and costs
- Actively participated in continuous improvement initiatives, contributing to a more agile and efficient supply chain system.
Relationship Banker
HSBC Mexico
06.2011 - 02.2013
- Analyzed customer financial needs and recommended appropriate banking solutions
- Identified potential business opportunities and introduced clients to additional banking services and products
- Handled administrative duties including entering data into banking software
- Provide personalized financial advice and guidance to clients based on their financial goals and needs, helping them make informed decisions and achieve financial success
- Assist clients with banking transactions, including deposits, withdrawals, and account transfers
- Collaborate with other departments within the bank to identify cross-selling opportunities and provide holistic financial solutions to clients
- Develop and implement strategies to attract new clients and increase customer base.
Bank Teller
BBVA Bancomer
07.2007 - 03.2011
- Provided friendly and efficient assistance to customers with their banking needs, including cash deposits, withdrawals, and account inquiries
- Accepting cash and checks from customers for deposits
- Accurately counting and verifying cash transactions to ensure there are no discrepancies
- Dispensing cash to customers for withdrawals and cashing checks
- Maintaining an accurate cash drawer and balancing it at the end of the day
- Following security procedures to prevent fraud and theft
- Complying with the bank's policies and procedures, as well as all relevant banking regulations
- Reporting any suspicious transactions or activities to the appropriate authorities.
Education
MBA Master of Business Administration -
Universidad Latinoamericana
12.2016
Bachelor’s Degree in International Business -
Universidad TecMilenio
01.2010
Skills
- Proficiency in MS Office – Word, Power Point, Excel, Outlook
- AML, CDD, EDD, KYC
- Banking and Financial Services
Languages
Spanish (Native)
English (writing, reading, and speaking)
Timeline
Sr. Business Control Specialist-Quality Assurance AML - Global Operations
Bank of America
01.2023 - Current
Commercial AML/KYC Analyst
BMO Harris Bank
04.2022 - 12.2023
Surveillance Testing Coordinator
Acero Schools
12.2021 - 04.2022
Anti-Money Laundering Specialist
Seguros Monterrey New York Life
07.2017 - 03.2018
AML/KYC Analyst
Citigroup Banamex
07.2014 - 07.2017
Customer Service
Nestle Mexico
02.2013 - 07.2014
Relationship Banker
HSBC Mexico
06.2011 - 02.2013
Bank Teller
BBVA Bancomer
07.2007 - 03.2011
MBA Master of Business Administration -
Universidad Latinoamericana
Bachelor’s Degree in International Business -
Universidad TecMilenio
Similar Profiles
Nicholas ShakanNicholas Shakan
Vice President, Portfolio Manager at Bank of America Private BankVice President, Portfolio Manager at Bank of America Private Bank
Kevin BetheaKevin Bethea
Digital Ambassador at Bank of AmericaDigital Ambassador at Bank of America
Anne MilneAnne Milne
Managing Director - Global Head EM Credit Research at Bank of AmericaManaging Director - Global Head EM Credit Research at Bank of America
Daniella Melo GilDaniella Melo Gil
Client SVCS Blended at Bank of AmericaClient SVCS Blended at Bank of America
Anna Levina, NP-BCAnna Levina, NP-BC
Emergency Department RN at Multiple AgenciesEmergency Department RN at Multiple Agencies