Hector X. Cintron Email & Phone Number

• Conducted investigations of Fraud cases, documenting investigative findings, and determining whether the case merited a SAR filing.• Accurately and thoroughly gathered artifacts for SAR development and proceeded with filing the SARs after case approval.• Analyzed transactional data and conducted internal and external research on subjects via a variety of research tools.• Articulated investigation’s findings in a clear, concise manner taking into consideration the client’s risk appetite.• Established and maintained effective working relationships with the consulting team as well as with the client stakeholders.• Met production targets and quality standards on a consistent basis.• Maintained a strong level of independence, time management skills and high attention to detail.• Successfully completed both a fast-paced intense two week onboarding training as required by the client which included being assigned to working special type of cases (Remediation) apart from BAU cases as well as graduating from a month long post training phase requiring an 80% or above score on each of the my first 4 live cases which I accomplished successfully.

• Conducted review of referrals and alerts of SBA PPP loans to identify potential red flags of suspected loan fraud, ID theft, etc.• Created cases for each loan file and conducted both the initial reviews as well as the level two investigations on the loans where red flags were identified at the initial review stage, to determine if the initial red flags could be mitigated or if a SAR would be recommended.• Utilizing comprehensive writing skills with excellent articulation, proceeded with the drafting of a SAR narrative, detailing each of the red flags and why potential loan fraud was suspected.• Prior to the filing of SARs, reported the suspected fraud of each loan to SBA’s Office of Credit Risk Management (OCRM) and The Office of Inspector General directly and accordingly, prior to each SAR filing.• Assisted the client with the filing of SARs on occasion based on workload volumes and the client’s needs.

Tampa, Florida, United States

• Established a new LLC business from the ground up completely on my own.• Managed all aspects of a vacation rental business using the AIRBNB platform/app.• Welcomed customers, helped, and answered questions by providing rates, terms, and conditions of rental.• Conducted screenings, scheduling of reservations, and correspondence with all guest inquiries. • Arbitraged adjustments of rates, availability, including issuing special offers/refunds as necessary, etc.• Employed sales techniques to boost sales and services. • Handled guest complaints in the most effective manner possible and offered complimentary services for hardship cases.• Furnished, decorated, did laundry, and conducted cleaning services for all units, staying within the budget, to provide a safe, attractive, quiet place to stay for guests.• Managed to become a Super Host in the Airbnb app with a rating above 4.5 in reviews from a culturally diverse group of people from around the world. • Showcased a consistent record of excellent customer service while maintaining impeccable standards for safety, cleanliness, and quality care with a smile.• Even went above and beyond to fulfill special requirements for some guests which included providing special discounted manual offers, check-in/out flexibility, meeting some guests at check-in for in person welcome, tour, assistance with luggage unloading, getting set up etc.• Rewarded on several occasions from guests who not only posted 5-star reviews but left gifts for me in the rentals after check-out.

United States

• Conducted in depth transaction monitoring investigations on high complexity cases that were escalated to our department for further review for us to make the final decision if a Suspicious Activity Reports (SARs) was deemed needed which we filed ourselves or the activity could be explained in detail as non-suspicious.• Followed a risk-based approach, utilizing comprehensive writing skills with excellent articulation addressing activity identified as potentially suspicious which included the filing of a high volume of Suspicious Activity Reports (SARs) to report potential money laundering and/or fraudulent activity. • Served as a Subject Matter Expect (SME) investigator and Team Lead’s Assistant assisting in the Quality Check/Assurance (QC/QA) review of cases and SARs, as well as the training and mentoring of new hires.• Took on a Team Lead role on occasions based on the department needs and for vacation coverage, managing analyst’s workload/case assignment, quality checking of every case and every SAR before filed, handling daily reports from and to management, etc.• Accurately identified money laundering red flags, any adverse media or negative news found and mitigated each accordingly. • Complex case investigations included High Risk individuals-businesses, High Risk Geographies, Venezuelan Informal Currency Exchange Cases (Black Market Peso Exchange), Potential Terrorist Financing Cases, Financial Fraud Cases (Covid and Non-Covid related), Unemployment Insurance Fraud, Small Business Administration Loan (SBA) Fraud Cases, Paycheck Protection Program (PPP) Fraud Cases, etc.

Dallas/Fort Worth Area

• Conducted in depth transaction monitoring investigations on Correspondent banking cases primarily involving international wire activity from and to different high-risk jurisdictions, that were escalated to our department for further review for us to make the final decision if a Suspicious Activity Reports (SARs) was deemed needed or the activity could be explained in detail as non-suspicious. • Initially escalated cases to the SAR team for the SAR filing, however towards the end of the project management moved me to the SAR team where I started filing my first SARs.• Detailed characteristics of suspicious activity performed fraud analysis and utilized comprehensive writing skills with excellent articulation. • Conducted online data searches, which include gathering data and recording evidence from bank internal systems as well as internet and commercial databases. • Independently assessed and analyzed research results and conducted complex data analysis. • Accurately identified money laundering red flags. • Maintained familiarity with appropriate investigation techniques to support AML monitoring activities, including research utilizing bank systems, intranet, internet, and external vendor solutions as appropriate. • Maintained awareness of AML/BSA trends and other related industry practices ensuring external knowledge and focus is not lost Operational Effectiveness & Control.

• Project Management experience assisting different teams within the AML umbrella related to Quality Assurance, Testing (User Acceptance), Training, Risk and Control, Procedures, Global AML, Audit, etc.• Project engaged in included: Assisting the Quality Assurance department with a backlog Reviewing of the company's AML compliance program manual Testing of the company's AML Policy and Procedures Transactional testing and evaluation (User Acceptance Testing – UAT) OFAC hit list investigations, blocks and rejects of transactions. FinCEN related filings review (CTRs and SARs) Evaluation of AML training Evaluation of automated monitoring systems and management information systems Review of past audit reports to assess the efficacy of recommended implemented changes.• Performed in depth transaction monitoring investigations on cases where issues with the transaction monitoring system (Mantas) were identified which needed remediation, many which required investigating outdated activity and long period of review going as far back as 5 years for auditing purposes.• Followed an Enhanced Due Diligence (EDD) KYC process with a great level of scrutiny which included Customer Identification Program (CIP) verifications.• Provided subject matter expertise for multiple products consisting of mentoring, training, and testing.• Projects handled varied from different lines of business such as Retail North America and Latin America, Citi Private Banking, International Personal Banking, Investments, Brokerage, Credit Cards, Loans, etc.

• Performed in-depth investigations utilizing internal and external public and private databases to compile a portfolio of information on different types of products and transactions.• Performed the analysis employing designated tools to identify patterns, risks, and suspicious activity. • Thoroughly and succinctly documented the research and analysis related to the financial activity and related entities for an audience that includes Regulators, Internal Audit, Senior Managers and Compliance.• Detailed characteristics of suspicious activity and utilized comprehensive writing skills with excellent articulation, escalating cases to the Financial Intelligence Unit for further review and potential SAR filing.• Latin American countries worked included Honduras, Colombia, Venezuela, Costa Rica, Cuba, El Salvador, Panama, and several others.

• Supervised team of 3 employees which included training and mentoring• Served as the point of contact and subject matter expert for New York Citi Transit client• Processed accounts receivables, record keeping & journal entries of checks daily; check payment posting, credit card replenishment & end of day reconciliation• Provided phone customer service and collection services• Process Cardholder Identification verification (CIP) for payroll debit card as required by Section 326 of the USA PATRIOT Act• Quality reviewed documents requested by customers and branches for legal, business or personal purposes

Master'S Degree, Forensic Psychology

Currently pursuing Master's Degree

Bachelor'S Degree, Criminal Justice

Bachelor'S Degree, Criminal Justice And Corrections