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Sky Flores
KYC Compliance Specialist
Riverview,FL
Work Preference
Summary
Financial services professional with 18+ years of experience in banking, wealth management, and fintech. Experienced in KYC, KYB, AML, client onboarding, transaction monitoring, and risk assessments, with a strong focus on regulatory compliance, attention to detail, and protecting customers and the business from financial crime.
Overview
18
18
years of professional experience
Work History
Compliance Specialist
Block Inc
06.2023 - Current
- Verify customer information and conduct due diligence reviews as part of Block’s Know Your Customer (KYC) policy and Global Sanctions policy
- Conduct appropriate levels of due diligence on accounts based on the customer’s risk score
- Contribute to projects optimizing the regulatory program and operation team's processes and recommend suggestions that help define new process improvement opportunities
- Work in collaboration with Compliance, Support, Risk, and other operations teams within Block
- Stay abreast of regulatory updates and/or new requirements and understand overall impact to day to day work
Client Onboarding Specialist
UBS Financial Services
02.2020 - Current
- Perform basic and enhanced KYC due diligence for new and existing UBS clients.
- Review incoming documents for clients in accordance with UBS KYC / Anti-Money Laundering Program (AML) policies.
- Conduct background checks and evaluate negative news related to existing clients and prospects.
- Maintain working knowledge of appropriate BSA and OFAC laws and regulations.
- Active risk manager, recognize factors that impact client risk rating and due diligence requirements.
- Work cross-functionally with internal teams to discuss changes or updates to UBS KYC / AML requirements, policy, and procedure.
- Recommend, develop, and implement solutions to support continuous improvement of our processes, procedures, and services.
- Complete yearly web-based training; BSA/AML, USA Patriot Act, OFAC, Compliance
Trade & Processing Specialist
UBS
03.2015 - 02.2020
- Oversee 15 offices within the East Coast and make sure they're in compliance with policies and procedures.
- Partner with compliance to review emerging regulatory items, implement any required changes and set future assessment schedules.
- Provide gap analysis, as required, to identify and resolve potential regulatory issues or supervisory control gaps and act as operational lead regrading identified regulatory items impacting operations and control functions.
- Research and analyze alerts for potential fraud or AML risk.
- Communicate and educate Operations and support staff regarding regulatory obligations and responsibilities; Process and approve transactions; Fed wires, cash & security journals, ACH, ETF's
- Handle and process trades in equities, options, mutual funds and structured products when required.
- Help management team by preparing for yearly audit by pulling transaction files and policy and procedure documents.
Teller Lead
SunTrust Bank
03.2008 - 03.2015
- Manage 4-5 employees; assist with training, coaching and support of teller team, perform operations: Count and balance vault, ATM, Consignments, settle Cash Advance machine
- Perform teller functions: handle cash, deposits, take in payments, and perform teller transfers both for inflows and outflows
- Balance Cash Forecaster on a monthly basis
- Handle and resolved client issues and referred financial solutions, open accounts; checking, savings and Signature Money Market Accounts
- Process Regulation E cases and affidavits for ATM and Fraud disputes and meet monthly branch goals
Education
Microsoft Office Program -
Interactive College of Technology
Atlanta12.2006
Skills
- Ability to work independently and pay close attention to detail
- Excellent organization skills
- Strong internet research skills
- Analytical thinker
- Anti-Money Laundering Onboarding
- Compliance, Risk, Operations (experienced)
- Word, Outlook, Excel
Languages
Spanish
Native or Bilingual
Quote
The real test is not whether you avoid this failure, because you won’t. It’s whether you let it harden or shame you into inaction, or whether you learn from it; whether you choose to persevere.
Barack Obama
Timeline
Compliance Specialist
Block Inc
06.2023 - Current
Client Onboarding Specialist
UBS Financial Services
02.2020 - Current
Trade & Processing Specialist
UBS
03.2015 - 02.2020
Teller Lead
SunTrust Bank
03.2008 - 03.2015
Microsoft Office Program -
Interactive College of Technology