Raul Rios
Gibsonton,FL
Summary
- Knowledgeable Risk Manager equipped with strategic planning and program leadership abilities honed in Citigroup Inc. industry environments. Establishes strong and successful policies to mitigate risk at each level and establish clear procedures for assessments, prevention and containment. Familiar with regulatory requirements to maintain strict controls.
- Seasoned Risk Analyst with 7 years of comprehensive experience identifying and analyzing areas of potential risk threatening success of investment and commerical banks. Methodical and meticulous professional polished in projecting potential losses and making recommendations to limit risk through diversification and currency exchanges. Excellent quantitative and critical thinking abilities paired with basic knowledge of SQL and Python.
- Well-qualified financial systems leader offering demonstrated skill and success in managing internal accounting processes, improving controls and strengthening systems for optimal performance. Proficient in all aspects of accounting, including accounts payable and receivable, budget administration and payroll. Gifted in building and leading solid teams to handle high-volume operations with consistency, accuracy and full compliance with regulatory requirements.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Regional Risk and Controls Analyst
Citigroup Inc.
08.2019 - 05.2024
- Lead and performing thorough risk analysis identifying risks and evaluating the adequacy of the Control environment while reinforcing to key stakeholders the necessity to remediate Control Gaps and undocumented Controls within process areas
- Developed and enhanced internal control environment while being cognizant and proactive in detecting risks associated to the business operation
- Incorporated control associated metrics and KPIs scorecard to ensure proper monitoring, detection and reinforcement of our proactive internal control environment
- Prepared and present Internal Risk and Control Performance Indicator Dashboard to Senior Management
- Reported Key Operational Risk (KOR)
- Identifying and escalating to senior management material risk and significant instances of not adherence to the Framework by accountable front-lines units.
Business Quality Assurance Analyst
Citigroup Inc. / Collabera
12.2017 - 08.2019
- Lead Citi Manager’s Controls Assessment (MCA) Program within Risk and Control organization regionally, ensure MCA program complies with foster the culture of control and accountability
- Review and analyze the Quarterly and Annual Risk Assessments
- Conducted annual Risk Ranking exercise to evaluate the impact and probability of the Global Process, Risk and Controls (PRCs)
- Presented Key matrix and Scorecard to Senior levels periodically
- Complete quarterly reviews and updated of Program Directives
- Provide guidance support and assistance to ensure the regions are following all areas related to the Compliance Program that includes all policy and regulatory requirements
- Lead project in designing, documenting and implementing Operational Manuals (Process maps, process flows, process definitions, controls and find improvements opportunities) utilizing my strong knowledge of process documenting techniques and methodologies.
Risk Compliance Analyst
HSBC Bank Mortgage Services
05.2012 - 01.2017
- Identified all policy and regulations that impacts processes and procedures; Monitored and maintained Compliance Programs to ensure we are in compliance with Citi Policies and Regulations, Third Party Management Policy and Procedures
- Complete quarterly reviews and updated of Program Directives
- Provide guidance support and assistance to ensure the regions are following all areas related to the Compliance Program that includes all policy and regulatory requirements.
Accounts Receivables Coordinator
Cyprexx Services LLC/ Aerotek
01.2011 - 01.2012
- Safeguarded documents of accounts receivable and payments to enable tracking history and maintain accurate records
- Developed and implemented strategies to improve collection processes and reduce overdue payments
- Ensured accurate record-keeping with meticulous data entry and organization of account information
- Reduced outstanding receivables for increased financial stability by effectively managing accounts and pursuing collections
- Contacted clients with past due accounts to formulate payment plans and discuss restructuring options
- Trained new team members on accounts receivable processes and best practices, contributing to a cohesive work environment
- Generated monthly accounts receivable reports to submit developments for management review
- Monitored accounts to verify compliance with payment terms and schedules
- Presented audit findings to accounting manager after reviewing results and paperwork
- Maintained excellent financial standings by working closely with bookkeeper to process business transactions.
Mortgage Loan Purchase Specialist
Bank Of America/Adecco-Disys
01.2009 - 01.2011
- Reviews residential loan application file to verify data is complete, and ensure compliance with bank, regulatory and investor guidelines and determine acceptability
- Evaluation of the credit risk of the loan file including the 4 C’s of Underwriting
- Determines of whether the loan file meets products and program guidelines
- Issuing a loan decision (Conditional Approval, Suspense, Denied and Clear to Close)
- Fund the loan after the client has meet all conditions
- Utilize multiple database and applications as: Mortgage software (LPS, GEMS), Excel.
Accounts Receivable/Deduct Specialist
Coca Cola Enterprises /Adecco
01.2008 - 01.2009
- Review all applicable deductions in portfolio, analyze cause of deduction and determine if deduction is legitimate, identify trends which would relate to the deduction, determines/identifies solution to deduction causes
- Recommended plan of action to minimize/eliminate reoccurrence
- Provide semi and monthly reporting of deduction portfolio
- Utilize multiple database and applications to investigate relevant pricing profiles as: Access, Excel, Margin Minder, BASIS, CARMS, PAT, CMA agreements, Internet Web.
Staff Accountant/Bookkeeper Full Charge
Motivation Advantage Inc
01.2005 - 01.2008
- Oversaw budgets and expense performance for global programs, analyze and summarize financial variances, assessed trends, identified risk and recommended proactive steps to management team to correct anomalies and ensure a balanced budget
- Maintained and improved the financial model programs
- Customizes financial processes, controls, databases and ad hoc reports
- Prepare Financial Reports (Profit and Loss Statements, Balance Sheet, Cash Flow Statement, Budgets)
- Compile and analyzes financial information and Prepared format communication and presentation to senior management, annual or quarterly financial results
- Strong experience A/R, A/P, Reconciliations.
Education
Bachelor’s degree in Accounting and Business -
Catholic University of Ecuador
Skills
- Regulatory knowledge
- Incident Management
- Risk Mitigation
- Control Frameworks
- Compliance Monitoring
- Quality Assurance
- Quality processes
- Quality Assurance Controls
- Financial Reporting
- Internal Controls
- AP and AR management
- Critical thinking abilities
Certification
- Quickbooks Certification
- Project Management
Spanish
Fluent writing and reading.
Timeline
Regional Risk and Controls Analyst
Citigroup Inc.
08.2019 - 05.2024
Business Quality Assurance Analyst
Citigroup Inc. / Collabera
12.2017 - 08.2019
Risk Compliance Analyst
HSBC Bank Mortgage Services
05.2012 - 01.2017
Accounts Receivables Coordinator
Cyprexx Services LLC/ Aerotek
01.2011 - 01.2012
Mortgage Loan Purchase Specialist
Bank Of America/Adecco-Disys
01.2009 - 01.2011
Accounts Receivable/Deduct Specialist
Coca Cola Enterprises /Adecco
01.2008 - 01.2009
Staff Accountant/Bookkeeper Full Charge
Motivation Advantage Inc
01.2005 - 01.2008
Bachelor’s degree in Accounting and Business -
Catholic University of Ecuador