Leo Ramirez Email & Phone Number

United States

• Work in support of the Line of Business RiskManagement program. Help to ensure line of businesscompliance with risk management objectives, as directed.•Support the design and development of the riskmanagement programs to meet business and regulatoryexpectations.• Under supervision, support the execution of the riskmanagement programs (e.g. - business self-assessmentand quality reviews) within or across the lines of business.May participate in consultation to execute the programcomponents.• Work to develop risk expertise while working with thebusinesses and other risk partners (e.g., Compliance,Credit, Legal, Audit).• Under direction, participates in risk initiatives, business as usual activities, ad hoc requests, and identifies riskexposures.

United States

• Work in support of the Line of Business RiskManagement program. Help to ensure line of businesscompliance with risk management objectives, as directed.•Support the design and development of the riskmanagement programs to meet business and regulatoryexpectations.• Under supervision, support the execution of the riskmanagement programs (e.g. - business self-assessmentand quality reviews) within or across the lines of business.May participate in consultation to execute the programcomponents.• Work to develop risk expertise while working with thebusinesses and other risk partners (e.g., Compliance,Credit, Legal, Audit).• Under direction, participates in risk initiatives, business as usual activities, ad hoc requests, and identifies riskexposures.

Houston, Texas, United States

•Support BSA Client Risk Review Officer.•Respond to AML and CDD alerts and cases in Verafin and make appropriate decisions on behalf of the Bank.•Performing Custom Behaviors for high volume transaction processing clients •High/Low Risk Reviews•314(b) alerts •Legal Request reviews (NSL, Grand Jury subpoena and law enforcement requests)•FRAMLx Alerts

Houston, Texas Area

• Support BSA and AML department operations by monitoring customer activities and data with all applicable BSA/AML and OFAC laws and regulations• Review transactional data to identify, report and inhibit suspected money laundering and terror financing activities• Utilize AML case management program and other internal software system to examine, research and analyze trends relevant to customer transactional activities • Identify and advise potential solutions that monitor, detect or prevent money laundering or terrorist finance activity • Assist BSA Reporting Governance Officer in managing BSA/AML compliance program and procedures• Administer CTR quality control processing by reviewing system reports and Verafin to determine initial filing as well as contributing to CTR exemption processing and customer reviews• Monitor and disposition watchlist alerts and field OFAC approval requests daily to support OFAC processing• Manage and monitor monetary instrument log for non-customer cash purchases• Perform 314(A) processing by downloading FINCEN list, uploading Verafin and dispositioning alerts• Generate an analysis of system reports daily, monthly and quarterly to detect suspicious activities• Participate in BSA training annually to maintain knowledge of BSA requirements and compliance• Attend required regulatory compliance training pertaining to meet banking requirements and uphold expertiseKey Accomplishmentso Improve CTR processing by establishing fillable CTR form that extracts from core system, resulting in saved time and promoting efficiencyo Established procedures for conducting quarterly OFAC system auditso Trained team members on the processing of wire transfers and how to identify suspicious activity

Houston, Texas Area

• Oversaw the recordkeeping, processing and reporting of CTR in alignment with compliance requirements• Conducted OFAC verifications to confirm accuracy• Collaborated with BSA Officer to maintain BSA software, address software alerts, conduct system audits and identifying possible OFAC matches daily• Enhanced expertise through continuous regulatory training, seminars and conferences focusing on money laundering, industry trends and best practices, criminal activities and terrorist finance mattersKey Accomplishmentso Simplified requesting information by enhancing and amending W8 forms as well as developing mail mergeo Participated in MSB project by conducting thorough audits of customer registration and identifying customers close to expiration, resulting in maintaining customer engagement by delivering new registration

Mcallen, Texas Area

• Administered customer account management by initiating personal and commercial checking and savings accounts as well as account data entry• Reviewed new customer accounts and updated if needed• Investigated customer reported errors in accounts and delivered suitable solutions utilizing banking records• Addressed customer inquiries and recommended available products to meet needs• Processed OFAC search on new and existing customers and countries• Partnered with BSA department to support investigations and update Know Your Customer (KYC) for new foreign accounts • Fulfilled Request Further Information (RFI) from BSA Analysts by providing requested income taxes, financial data, bank statements and invoices as well as generating RFI summaries

Mcallen, Texas, United States

• Investigated and resolved errors reported by customers based on customer and bank records• Conducted foreign currency and domestic transfers

Mcallen, Texas, United States

• Processed customer transactional data entry to record account transactions• Examined check information to ensure validity prior to cashing• Balanced cash drawer at the end of shift to confirm daily inventory of cash, drafts and traveler’s checks• Generated and verified cashier’s checks with accuracy

Mcallen, Texas Area

• Processed customer transactional data entry to record account transactions• Examined check information to ensure validity prior to cashing• Balanced cash drawer at the end of shift to confirm daily inventory of cash, drafts and traveler’s checks• Generated and verified cashier’s checks with accuracy

Master'S Degree, Legal Studies - Risk Mgmt & Compl, Business Law & Compl, Cybersecurity Law And Policy

Bachelor Of Organizational Leadership

Associate'S Degree, Criminal Justice

High School Diploma