I’m an international professional passionate about data analysis and its transformative power in the real world. My career has taken me across LATAM, Canada, and now the US, where I’ve had the privilege of working with leading global companies, collaborating with diverse teams, and continuously evolving as a data-driven decision-maker.Through my experiences, I've learned how to navigate complex data landscapes and transform them into actionable insights that drive business outcomes. Whether it's optimizing procedures, implementing risk management models, or ensuring regulatory compliance, my approach always starts with understanding the needs, followed by a meticulous analysis that simplifies the data and shares it in a way that everyone can act on.Here are a few highlights from my career so far:Colombia: At PwC, I led audits for major banks in LATAM, using financial and statistical analysis to provide key insights that positively impacted profitability. I also helped validate data models, ensuring robust and reliable risk assessments.Canada: I played an instrumental role in underwriting mortgages, where I refined approval processes and collaborated with financial advisors. I also discovered the true value of diversity in a workplace, learning that it’s a driving force for success.My journey in the financial sector, with an emphasis on risk management and data analysis, has shaped me into someone who thrives on turning complex challenges into actionable, data-backed strategies. Over the years, I’ve become adept at collaborating with cross-functional teams, coaching and mentoring colleagues, and always pushing for continuous improvement.I’m pursuing a Master’s degree in Industrial and Systems Engineering with a focus on Data Analytics at Mississippi State University, but I am now based in Washington State. This has allowed me to further my expertise in data science, and I'm eager to bring that knowledge to a new role or project.As an international professional, I’ve embraced change and challenges, and each new chapter in my career has opened doors to greater growth. Whether it’s through migration, learning new languages, or adapting to new cultures, I’m always ready for the next exciting challenge.Let’s connect! I’m always open to discussing opportunities, sharing ideas, and collaborating on innovative projects that drive real change.
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Shift SupervisorCvs Pharmacy Dec 2023 - Nov 2024Starkville, Mississippi, United StatesI had a part-time position while doing the MS in Industrial Engineering at MSU. -
UnderwriterTd Oct 2021 - Jan 2023Edmonton, Alberta, CanadaApproved/declined three daily loans (mortgages and/or flexlines) by analyzing applicant character, capacity, and collateral to provide insights and recommendations with a $200K USD limit. Calculated financial impact on clients' cash flow and adjusted based on term/interest rate. • Evaluated customer financial statements and credit data to determine the risk involved.• Collaborated with the financial advisor regarding doubts and created conditions for funding, escalating deals out of assigned limits to RRMCG with justifications for robust or weak clients.• Streamlined approval decision-making process and refined communication with financial advisors on decline justifications by developing a checklist for complete/accurate application reviews, detecting potential risks, and guiding condition setting. -
Senior Control Reviewer / Accounting ControlBnp Paribas Sep 2020 - Oct 2021Montreal, Quebec, CanadaReviewed daily effectiveness of 100+ controls (values between $10K and $10M USD) performed by different areas according to the Account Justification Policy (data/information integrity). Reported control differences +500K+ USD to finance committee.• Achieved accurate quarterly closings and balanced workloads by identifying/reporting discrepancies in reconciliation controls across finance/transversal teams, coordinating control distribution across countries (Brazil, Colombia, Argentina, USA, India, and Canada), tailoring assignments to individual skill sets, and updating/escalating critical issues. - Improved control accuracy by refining reconciliation processes and adding consistent document support, addressing discrepancies above the $400K USD threshold for reporting to the Finance Committee in Paris.• Reconciled and reviewed FX Position (all currencies) to approve monthly positions with values of $50M+ USD. • Delivered short-term solutions for mitigating control issues, such as providing information and implementing long-term preventive solutions, improving the budget follow-up and data quality of the controls report. -
BaristaStarbucks Oct 2018 - Jan 2020Edmonton, Alberta, CanadáIt was part of my professional development of learning / improving my English communication and getting Canadian Experience. -
Senior M Specialist Credit Risk (Bancolombia And Itau)Pricewaterhousecoopers May 2017 - Apr 2018Bogotá, Bogotá D.C., ColombiaIdentified, quantified, controlled, and monitored credit risk of banks and subsidiaries abroad. Validated integrity of information to initiate loan audits, cleaning data for analysis with datasets for 1M+ clients. Participated in awareness-raising committees regarding bank administrators. Gathered client’s transversal information, investigated credit risks, and reported results, portfolio variations, and trends; analyzed 250 clients every closing. Managed (250 hours per month) budget for audit, developed detailed tests, and validated operation of manual/automatic controls mapped in credit controls matrix. Audited Credit Risk Management system (models, data, LGD, PD, credit risk manuals, and procedures). • Attained $1M USD adjustment by leading validation of credit portfolio models for major banks in LATAM and identifying discrepancies in provision calculations.- Recalculated provisions using accurate rates and statistical data, corrected discrepancies and ensured compliance with COLGAAP, USGAAP, and IFRS standards.- Collaborated with stakeholders to communicate findings and negotiate potential changes impacting the bank's rentability with a $525M USD portfolio balance and $220M provision.- Cut analysis time (30%) and streamlined process for model checks by developing documentation for future audits.• Located differences of $1M USD by analyzing 1M+ data using R-studio and SAS to recalculate statistical bank models. • Issued credit risk recommendations impacting policies and the bank’s profits according to audits performed related to provisions (COLGAP, USGAAP, and IFRS), policies, rating calculations, methodologies, recalculation, and specific projects. • Improved commercial portfolio qualification analysis by reassessing credit analysis vs. provision level based on financial statement, credit bureau, internal score/rating, sector/industry, and collateral/covenant, increasing the provision level based on external and internal credit risk situations for >3M USD -
Senior Credit Risk Pwc At Bancolombia GroupPwc Jun 2013 - Apr 2017Medellin, Antioquia, Colombia -
Credit Risk AnalystFinanciera Dann Regional Jun 2010 - Jun 2013Medellín, Antioquia, ColombiaPerformed on-site evaluation of methodologies under the company's provisions. Analyzed/cleaned datasets by finding outliers, duplicate data, and missing values. Evaluated databases in partnership with IT, BI, and operations area (graphs, transition matrices, statistical information) and informed internal/external stakeholders and leadership. Maintained contact with internal/external auditors and the government, answering requirements according to deadlines.• Impacted profits by leading portfolio qualification in the company's monthly committee, analyzing the provision and qualification of significant clients with managers, and confirming executed client-level transactions (>100K USD). • Enhanced credit risk manual by proposing and modifying policies related to documentation, guarantees, provision rates, arrears, qualification, client profile, rating, score, and insurance. • Validated credit system by fixing or applying new controls (related to age, score, AML). -
Credit AssistantCorficolombiana Jun 2009 - Jun 2010Medellin, Colombia•Controlled and updated client credit applications for tracking and completion.•Tracked the financial update of the portfolio rating clients.
John Yepes Education Details
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Industrial Engineering (Data Analytics Concentration) -
Business/Commerce, General -
Data Analysis, Creation Of Granting Score, And Monitoring. -
Cultural Connections Institute - The Learning Exchange4.8
Frequently Asked Questions about John Yepes
What is John Yepes's role at the current company?
John Yepes's current role is Data Analyst | Financial & Statistical Analysis | Credit Risk, Auditing & Controls | Communicating Insights & Driving Data-Backed Recommendations.
What schools did John Yepes attend?
John Yepes attended Mississippi State University, Universidad Nacional De Colombia, Universidad De Antioquía, Universidad De Medellín, Cultural Connections Institute - The Learning Exchange.
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