SONIA M. AGUIRRE
Miami,USA
Summary
Bank Professional with over 25 years experience driving service excellence in the financial industry. Experienced in various areas in banking including Retail Sales, Compliance and Back Office in small and Large Financial Institutions.
Overview
17
17
years of professional experience
Work History
International Banking/Customer Service & Compliance
Brickell Personel Consultants
12.2023 - Current
- Support Banking officers in the review of documentation for onboarding and new account set ups for and reviews that sufficient documentation has been collected
- Monitor Staff performance and analyze reports to ensure most efficient and highest response resolution by the staff including reviewing KYC and perform due diligence
- Evaluate and analyze risk on highly regulated international accounts, as well as the Corporate Banks for FDIC and other regulatory Bodies.
- Service international clients, (including high profile clients and PEP) overseas with ACH, Wire Processing, EFT and Online Banking set up.
- Assist in establishing regulation policy and procedures for the bank as it relates to BSA/AML guidelines as per ACAM Regulations as well
- Assist with Audits Examinations( Internal & Regulatory Bodies)
- Prepare and maintain Daily Rate Sheet for the bank, including FX exchange rates, SOFR, PRIME, LIBOR, ETC,
- Trained new team members on ACH, Wire Transfers in Risk Assessment for Internal controls as well as fostering a productive work environment.
- Reduced financial discrepancies, effectively reconciling bank accounts and organizing information into Excell software.
- Assist in Daily Bank Reconciliation and balancing of Corporate Banking and Wholesale banking Corresponding Bank Swept Accounts. Branches accounts for Swift accounts.
- Ensure all Data capture journal entries for all accounts and General ledger accounts are processed accurate and on a timely basis reflecting accurate financial statements.
Sr Global Client Advisor Officer
Seacoast Bank N.A
06.2022 - 08.2023
- Collaborate with EFT policies and procedures with Card services through enhanced card services for Global Portfolio.
- Collaborated and assisted in successfully transferring an International Portfolio of over $20M at the time
- Perform projects addressing ongoing complex debit card service issues involving considerable amount of data to be presented to Board Members for process improvements.
- Collaborated with team members to develop innovative solutions for complex client needs.
- Researched and evaluated potential investment products for the Bank.
- Adhered to AML/BSA requirements, audit procedures, and other regulated banking activity.
Digital/WIRE/ EFT Channels Coordinator II
City National Bank N.A
03.2020 - 06.2022
- Periodically review of call center volume, while maintaining awareness of staffing needs and call center efficiency
- Provide weekly call queue reporting to ensure best practices, and high turnaround time on disputes
- Perform daily duties for the EFT/ Digital Channels Department such as locating funds in clients' accounts, service and assist Employees with Client disputes for Debit Cards including investigations chargeback items and arbitrations as it relates to debit card disputes
- Daily review of general ledger accounts including EOD balancing, chargebacks, pre-arbitration and arbitration situations, as well as oversee all credits applied to customer accounts
- Ensure all Treasury Cash Management Accounts are set up correctly and accurately on the Online Digital Platform
- Ensure Policies and Procedures are implemented and regulated in accordance to NACHA, ACH and EFT Requirements.
- Daily Reconciliation of General Ledger Accounts with Bank Accounts for weekly financial reporting submitted by the branches and call center and executed by Digital Channels department.
- Ensure ACH compliance guidelines are met on a daily by staff and the organization with respect to the Non-Post Items, Filters, and Blocks Set up for customers
- Conduct staff training and lead cross-functional teams of over 6 employees, including 2 senior staff members and 4 part time staff on Reg-E disputes resolution as it relates to NACHA and Visa
Operations and Finance Specialist
GMPA & Assoc.
01.2017 - 01.2019
- Support banking clients and review customer information for up-to-date KYC and OFAC procedures as part of the ABL lending guidelines and Bank Operation Procedures
- Establish audit procedures as per the Lender's required scope
- Complete audit work papers and reports by documenting audit tests and findings for both national and international banking clients
- Verify assets and liabilities by comparing and analyzing items and collateral to documentation
New Ballpark Sales & Service/Account Executive
Miami Marlins, LLC/ MLB
01.2011 - 01.2016
Assist Branch Manager
BBU BANK, Banesco
01.2008 - 01.2010
Education
MBA - Business Administration
Florida International University
Miami, FL01.2010
B.B.A - Business Administration, Concentration in Finance & International Business
Florida International University
Miami, FL01.2004
Skills
- Bilingual Communication
- Team Building
- Conflict Resolution
- Detail Orientation
- Leadership
- Trust Building
- Policies and Procedures
- Result Orientation
- Implementation of Internal Control
- Strong Knowledge of NACHA/ACH/EFT
- Advanced Excel Skills (Pivot Tables, formulas & Conditions)
- Problem Solving
Affiliations
- Miami Marlins LLC, Foundation
- Latin Builders Association (LBA) Miami Chapter
- Banker's Association
- Breast Cancer Society
- American Diabetes Association
Licenses and Software
- Financial Licenses, Series 6, 63 and 2.14. (2003-2017)
- ERP Systems used Navigator, Encore, Qu2 Wire Platform, FISER, and FIS
- Management/Leadership Training
- Omega Corporate Lending Certified, 2005
- Asset Based Lending Trained and Certification in progress
References
Available upon request.
Academic Honors
- Beta Alpha Psi
- Dean's List
Timeline
International Banking/Customer Service & Compliance
Brickell Personel Consultants
12.2023 - Current
Sr Global Client Advisor Officer
Seacoast Bank N.A
06.2022 - 08.2023
Digital/WIRE/ EFT Channels Coordinator II
City National Bank N.A
03.2020 - 06.2022
Operations and Finance Specialist
GMPA & Assoc.
01.2017 - 01.2019
New Ballpark Sales & Service/Account Executive
Miami Marlins, LLC/ MLB
01.2011 - 01.2016
Assist Branch Manager
BBU BANK, Banesco
01.2008 - 01.2010
B.B.A - Business Administration, Concentration in Finance & International Business
Florida International University
MBA - Business Administration
Florida International University
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