Rachel Miranda
Houston,TX
Summary
Performance-driven Vice President with over 20 years of experience aligning systems with business requirements, policies and regulatory requirements. Passionate about applying excellent organization and communication skills to manage and lead teams. Results-oriented individual well-versed in interfacing and consulting on business processes to drive results based on sound overall business judgment.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Compliance Associate
Patten Training & Review
10.2021 - Current
- Worked as an outsourced Compliance Associate for Investment Advisors and Broker Dealers, handling various compliance related duties and audits
- Annual AML Audits, Branch Office Reviews, Supervisory Control Audits (3120)
- Review and update Written Supervisory Procedures, BCP, Form CRS, AML Procedures, Client Disclosures, Privacy Policies
- Managed FINRA Gateway accounts and required filings (U4/U5, Form BD, Form BR, Form BWD, Contact System, State Registrations)
- Filed New Member Applications and Change in Membership Applications with FINRA
- Filed New and Annual IARD ADV’s for Investment Advisors
- Assisted the company in HR and Accounting duties, including: payroll, A/R & A/P, bank reconciliation, onboarding new employees, insurance policy review and renewal.
VP Risk and Operations Support
Houston Police Federal Credit Union
03.2009 - 10.2021
- Responsible for managing all aspects of risk related to the various lines of business within the credit union
- Managed a staff of ten employees responsible for: Audit, Compliance, Risk Management, Fraud Investigations (debit /credit card, ACH, check, wire), Physical Security, Verification, Training, and Facilities
- Developed the Compliance Audit Program, incorporating regulation changes as they occurred
- Implemented the Enterprise Risk Management Program
- Liaison to the Board Appointed Supervisory Committee
- Reviewed yearly vendor management
- Prepared yearly audit reports for the board of directors
- Participated in yearly Financial Statement Audits and NCUA
- Was the designated BSA / OFAC / FINCEN Officer for the credit union
- Responsible for the Complaint process and implemented an internal ethics hotline.
AVP Risk
Houston Police Federal Credit Union
01.2012 - 01.2015
- Responsible for managing all aspects of risk related to the various lines of business within the credit union
- Managed a staff of four employees responsible for: Audit, Compliance, Risk Management, Fraud Investigations, Physical Security and Verification
- Merged the internal controls document into a formalized risk-based audit program focusing on emerging risks (NContracts)
- Liaison to the Board Appointed Supervisory Committee
- Reviewed yearly vendor management
- Managed the conversion of the security system during a building reconstruction
- Prepared yearly audit reports for the board of directors
- Oversaw numerous IT projects including Exchange Server installation, VOIP Phone conversion, Home Banking platform conversion and relocation of IT equipment during building reconstruction
- Migrated loan and account documents to a third-party forms vendor to ensure constant regulatory compliance.
Auditor
Houston Police Federal Credit Union
03.2009 - 01.2012
- Responsible for ensuring all internal controls were followed
- Updated the internal controls as products and services were on boarded
- Assisted in preparation for the yearly Financial Statement Audit and NCUA Federal Exam
- Managed one staff member responsible for debit, check, and credit card fraud.
Audit Team Leader
BBVA Compass
01.2008 - 03.2009
- Review and analyze accounting and financial records
- Worked with TeamMate audit software
- Conducted various audits for BBVA Compass and BBVA Bancomer, including Compliance, Benefits and Consulting, HR, Investment Advisor, BSA, US Agency of a Mexican Bank, Money Transfer Service, Foreign Exchange Service, Pledged Asset of Public Accounts
- Conducted background investigations on corporations
- Investigated cases involving fraud, forgery, robbery, embezzlement, burglary, and breaches of proprietary information
- Liaison with local and federal law enforcement and prosecutors for security and investigations matters, and pursuit of civil recoveries and criminal prosecutions
- Conducted quarterly loss prevention and robbery training for bank employees
- Compiled complex financial analysis
- Testified in Harris County, City of Houston, and Federal cases
- Investigated unsecured business loan fraud with fraudulent applications
- Investigated credit and debit card skimming cases.
Fraud Investigator
BBVA Compass
01.1999 - 12.2007
- Background investigations on corporations
- Investigations involving fraud, forgery, robbery, embezzlement, burglary, and breaches of proprietary information
- Liaison with local and federal law enforcement and prosecutors for security and investigations matters, and pursuit of civil recoveries and criminal prosecutions
- Conducted quarterly loss prevention and robbery training for bank employees
- Compiling of complex financial analysis
- Testified in Harris County, City of Houston and Federal cases
- Investigated unsecured business loan fraud with fraudulent applications
- Investigated credit and debit card skimming cases
- Associate CFE obtained
Education
Bachelor of Business Administration with a Major in Accounting -
University of Houston - Downtown
Houston, TX01.2005
Skills
- Compliance Monitoring
- Regulatory knowledge
- Financial Crime Prevention
- Anti-Money Laundering
- Internal Controls
- Audit management
Certification
- Credit Union Enterprise Risk Management Expert (CUERME)
- Credit Union Compliance Expert (CUCE)
- Credit Union Internal Auditor (CUIA)
Accomplishments
- Built the Audit / Risk Department from the ground up
- Reorganized the Compliance department and audit scope
- Participated in the Core and Digital Banking Platform Conversion, from the beginning, including the RFP process, contract negotiation and contract review, planning, budgeting, system setup. I was also tasked with running the Data Validation and Testing Teams, building the validation and testing plans from scratch, using TestRail and Jira.
Timeline
Compliance Associate
Patten Training & Review
10.2021 - Current
AVP Risk
Houston Police Federal Credit Union
01.2012 - 01.2015
VP Risk and Operations Support
Houston Police Federal Credit Union
03.2009 - 10.2021
Auditor
Houston Police Federal Credit Union
03.2009 - 01.2012
Audit Team Leader
BBVA Compass
01.2008 - 03.2009
Fraud Investigator
BBVA Compass
01.1999 - 12.2007
Bachelor of Business Administration with a Major in Accounting -
University of Houston - Downtown
- Credit Union Enterprise Risk Management Expert (CUERME)
- Credit Union Compliance Expert (CUCE)
- Credit Union Internal Auditor (CUIA)
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