Yesenia Parrondo
Miramar
Summary
Financial Crime Compliance Specialist |
FINTECH & Financial Institutions
Bilingual compliance professional with 10+ years of experience in financial crime investigations, AML/KYC, and regulatory reporting within FINTECH and banking environments. Proven track record of executing BSA/AML/CTF/OFAC compliance frameworks, developing internal controls, and guiding investigative strategies. Expert in Actimize, Lexis Nexis, and transaction monitoring with a deep understanding of global financial regulations (Latin America, USA, Canada).
Overview
13
13
years of professional experience
1
1
Certification
Work History
Compliance Officer
Thunes - Financial Technology
09.2023 - Current
- Lead AML advisory function across all FINTECH operations in US and Canada, ensuring compliance with BSA, PCMLTFA, OFAC, and OSFI frameworks.
- Interface with regulatory bodies (Monetary Authority, Federal & State Agencies) on behalf of a registered Major Payment Institution.
- Developed internal AML/CTF policies aligned with evolving global regulations, directly reducing institutional risk by 20%.
- Identify and assess ML/TF risks within the company's cross-border payment business model using risk-based methodologies.
- Drive and implement key regulatory initiatives including OFAC risk assessments and sanctions screening enhancements.
AML Compliance Analyst
The Northern Trust
06.2022 - Current
- Managed AML/KYC programs within Wealth Management, conducting complex financial crime risk assessments.
- Liaised with Global Compliance teams to enhance policy effectiveness and address control gaps.
- Conducted transaction monitoring, filed SARs, and supported enterprise-wide audits ensuring 100% compliance with internal guidelines.
Surveillance Analyst II
BankUnited
07.2021 - 04.2022
- Reviewed alerts generated from the Bank's AML monitoring system (Actimize) and analyzed questionable activity detected, as well as determined if an inquiry to the account officer and/or investigation is warranted.
- Conducted investigations into customer relationships with the ability to research counterparties, detect suspicious patterns/transactions and prepare an analysis/conclusion that is clear and comprehensible to BSA supervisors/managers, internal auditors and regulatory examiners.
- Prepared Suspicious Activity Reports (SAR) when suspicious activity is detected.
Financial Crimes Consultant (BSA/AML)
Wells Fargo, NA
06.2018 - 07.2021
- Performed detailed analyses, maintained required documentation, filed Suspicious Activity Reports (SARs), and acted as an escalation point for more complex cases.
- Evaluated the adequacy and effectiveness of policies, procedures, processes and internal controls; reviewed and analyzed investigative findings and made recommendations based upon outcomes.
- Responsible for investigative research, root cause analysis and consulting regarding highly complex financial crimes transactions, policy violations and/or suspicious situations with low, moderate, and high risk.
Service Manager II
Wells Fargo, NA
04.2016 - 06.2018
- Lead, motivated, coached, trained, and developed a team of six direct reports to meet performance objectives.
- Ensured compliance with audit and operational regulations and guidelines.
- Used appropriate investigative techniques to analyze information and determine liability or impact of each transaction, including the mitigation of financial losses to the bank and/or the customer.
- Executed risk management/compliance, and customer experience activities and initiatives.
- Developed strategies and implemented tactical activities to minimize or mitigate losses including fraud losses and cash differences.
Customer Sales & Service Representative
Wells Fargo, NA
09.2013 - 04.2016
- Managed customer portfolio, service relationships and matched all products and services based on customer needs.
- Provided a broad base of financial and credit services with the goal of acquiring 100% of the customers' business.
- Reviewed, verifyed and/or identified customer transactions to detect/prevent financial crimes activity, policy violations and suspicious situations in order to mitigate losses.
Teller
Wells Fargo, NA
01.2013 - 09.2013
- Processed customer transactions with no mistakes through patience, attention to detail and the ability to follow policies and procedures.
- Introduced customers to new products and services, and general leads for other members of the sales team to close.
- Consistently went the extra mile to greet customers, make them feel welcomed and also engaging customers to learn about their financial needs.
Education
In Pursuit of Bachelors Degree - Political Science
Miami Dade College
Skills
- Financial Crime Intelligence
- BSA/AML/CTF/OFAC Compliance
- Regulatory Reporting (SARs, FIU)
- Transaction Monitoring & Investigations
- Risk-Based Approach
- FINTECH Compliance
- Control Gaps Analysis
- Sanctions Screening
- Regulatory Frameworks (Americas - including USA, CANADA)
- Actimize, Lexis Nexis, World Check, ComplyAdvantage
Certification
FIBA-FIU AMLCA Compliance Certification
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Education
true
Timeline
Compliance Officer
Thunes - Financial Technology
09.2023 - Current
AML Compliance Analyst
The Northern Trust
06.2022 - Current
Surveillance Analyst II
BankUnited
07.2021 - 04.2022
Financial Crimes Consultant (BSA/AML)
Wells Fargo, NA
06.2018 - 07.2021
Service Manager II
Wells Fargo, NA
04.2016 - 06.2018
Customer Sales & Service Representative
Wells Fargo, NA
09.2013 - 04.2016
Teller
Wells Fargo, NA
01.2013 - 09.2013
In Pursuit of Bachelors Degree - Political Science
Miami Dade College
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