David Proano Email & Phone Number

Miami, Florida, United States

• Lead examinations of medium, large, and distressed state-chartered financial institutions as Examiner-in-Charge.
• Lead discussions with financial institutions officials and/or boards of directors to discuss examination findings, discuss corrective actions and obtain commitments for correction of deficiencies.
• Ensure high quality and timely submission of reports of examination (ROEs) including recommendations and documents addressing remedial action, with a 100% rate of accuracy.
• Identify corrective actions for problem areas during examinations, resulting in a 70% reduction in reported issues.

Austin, Texas

• Reviewed, approved, and monitored payment patterns and trends for AMR/ALAC, mitigating risks and ensuring accuracy and timeliness.
• Handled high volumes of data and reconciled multiple sources, resulting in better processes and support for critical procure-to-pay (P2P) projects.
• Played a key role in Finance's SOX testing and collaborated with subject matter experts across Apple on project teams to achieve critical business objectives.

Houston, Texas

• Drove successful implementation of new banking platforms and SAP automation of payments, optimizing financial structures and saving $2M annually.
• Expanded cash management activities to new countries, establishing new payment procedures, and managing relationships with key parties, resulting in $500K in cost savings.
• Continuously updated industry knowledge to keep Cash & Treasury Management products competitive, through optimized financial terms in contracts, resulting in increased revenue of $1M.
• Streamlined monthly bank control and reconciliations, improving accuracy, and saving 50% of processing time.
• Contributed to successful operations and ad-hoc projects, leading internal/external audits with zero findings and financial opinions to executive committees.

Houston, Texas

• Developed and executed compliance policies and procedures for various business processes/systems at local and Group level, reducing risk exposure by 30%.
• Drove cross-functional collaboration to streamline invoice processing, resulting in a 50% decrease in processing time and $1.5M in annual savings.
• Successfully processed vendor and customer master data in SAP, reducing errors by 40% and ensuring timely payments to counterparties.
• Conducted comprehensive risk assessments and updated controls, leading to a 25% reduction in audit findings.
• Advised and executed process improvements, resolving 100% of internal control weaknesses and inefficiencies.

Houston, Texas

• Conducted end-to-end counterparty onboarding, KYC, OFAC sanctions, and World Check screenings, managing risk and ensuring compliance with regulatory requirements.
• Liaised effectively with legal, compliance, credit, and operations to remove roadblocks for onboarding process, ensuring smooth and efficient operations.
• Delivered ongoing customer due diligence for low and medium risk counterparties, maintaining compliance and mitigating risks.

Houston, Texas

• Conducted Enhanced Due Diligence activities by improving KYC quality output by 80% by identifying and mitigating regulatory and reputational risks for High Net Worth (HNW) and Ultra High Net Worth (UHNW) clients from.
• Initiated a training program, resulting in advanced KYC form timeliness and adherence to quality control standards.
• Designed and drafted a comprehensive international wealth management policies and procedures manual, ensuring full compliance with USA Patriot Act and corporate standards.

Houston, Texas

• Boosted international high net worth client satisfaction by scheduling and conducting regular face-to-face meetings, resulting in a 30% increase in cross-selling of banking and investment products.
• Fostered and maintained strong relationships with international HNW and UHNW clients, ensuring adherence to federal, state, and local regulatory requirements and generating referral business through word-of-mouth.
• Teamed up with financial advisors and other team members to successfully market and implement complex investment solutions, resulting in incremental revenue and positive client retention rates.

Quito - Ecuador

• Performed a credit monitoring system, reducing credit losses by 25% through the early identification of potential problem loans.
• Developed a comprehensive credit risk management framework, resulting efficiency and effectiveness of risk mitigation measures.
• Advised on the development and implementation of robust AML/KYC/CIP policies and procedures, resulting in a 90% reduction in regulatory violations and penalties.
• Lead a team of examiners, ensuring timely completion of exams, and delivering high-quality reports that highlighted control weaknesses and recommended improvements.
• Collaborated with cross-functional teams to streamline business processes and improve risk management practices, resulting in increased operational efficiency and risk mitigation.

Master Of Business Administration (Mba), Concentration In Energy, Finance And Real Estate

Bachelor Of Business Administration (Bba), Finance

Activities and Societies: Beta Gamma Sigma, Phi Kappa Phi, Dean's List

Certification, Finance And Risk Management

Bachelor Of Business Administration - Bba, Accounting And Finance

High School