Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
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Victor Padilla

Port Saint Lucie,FL

Summary

Tenured Banking Professional and Certified Anti-Money Laundering Specialist aiming to use knowledge and experience to fight financial crimes and fraud. Expertise in understanding the risk framework encompassing financial transactions for potential money laundering and fraud. With a passion for regulatory compliance, investigations, and delivering actionable recommendations to stakeholders at all levels. Strong commitment to fostering high integrity and effective teamwork in combating financial crimes.

Overview

6
6
years of professional experience
1
1
Certification

Work History

Business Specialist

PNC Financial Services
09.2022 - Current
  • Acquired and deepened business relationships by providing a consultative approach to the businesses' financial priorities. Conducted periodic reviews and offered tailored solutions to meet their needs, acting as their primary point of contact within PNC.
  • Mentored junior bankers and service representatives on business banking solutions and sales strategies, in addition to educating the branch on business KYC, CDD, and CIP requirements.
  • Conducted cash flow conversations with business owners to identify disparities in operating cash flow, offering a range of solutions (i.e., traditional loans, SBA lending, and vehicle financing) to provide essential capital to businesses.
  • Fostered cross-functional partnerships across diverse lines of business, collaborating with teams in Loss Prevention, Customer Information File, and Detection & Investigations. Creating a seamless and unified approach to enhance the clients relationship and ensure robust risk management for the bank.

Relationship Banker

Bank Of America
03.2018 - 09.2022
  • Strengthened client relationships by providing personalized financial advice for both consumer and business clients. Successfully exceeded revenue targets by over 250% and consistently maintained high client experience scores of over 95%.
  • Hand-selected by the Market Leader to mentor and coach new Relationship Bankers. Training new hires on regulatory requirements such as Know Your Customer, Client Due Diligence, and the bank's Customer Identification Program.
  • Appointed as the primary point of contact for intricate financial solutions and unique situations (i.e., OFAC, trusts, estates, etc.), due to showcasing expertise in financial strategies and regulatory compliance (Bank Secrecy Act, USA Patriot Act).
  • Designee for the financial center manager, performing supervisor overrides, handling client complaints, reviewing transactions, signature cards, record retention, key/combo reports, and auditing negotiable inventory.

Education

Bachelor of Science - Finance

Florida Atlantic University
Boca Raton, FL
12.2017

Skills

  • Analytical Thinker
  • Attention to Detail
  • Regulatory Compliance
  • Transaction Reporting (SAR, CTR, MIS)
  • Fraud Detection
  • Anti-Money Laundering Strategies
  • Effective Communicator
  • Research & Investigations

Certification

  • CAMS (Certified Anti-Money Laundering Specialist)
  • ABA Certificate in BSA and AML Compliance [In Progress]

Languages

  • Fluent in Spanish

Timeline

Business Specialist

PNC Financial Services
09.2022 - Current

Relationship Banker

Bank Of America
03.2018 - 09.2022

Bachelor of Science - Finance

Florida Atlantic University

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Victor Padilla