Julio Suarez Email & Phone Number

New York, NY, US

Tokyo, JP

• Covering North America and LATAM Banking.
• Review and address product launch risks including digital, traditional and commercial products.
• Audit broker dealer and Capital Markets for regulatory compliance with IIROC, FINRA, MSRB and NFA/CFTC compliance alongside evaluate sustainability and effectiveness of controls.
• Test and validate implemented controls to address compliance and operational risks, including but not limited to Flood Act, MLA, Privacy Regulations (Cayman Island Regs., CCPA, Regulation P), SCRA, Volcker Rule.
• Oversee and manage third party consultant reviews.
• Create regulatory mapping controls.

Fort Lee, NJ, US

• Conduct testing and monitoring to evaluate strengths and weaknesses of the Institution's Fintech partners by reviewing policies, procedures and performing transactional testing. This includes identifying root causes.
• Create internal testing scripts, request letters and other materials to conduct periodic, quarterly and annual testing.
• Conduct regulatory research, analyze, present and memorialize business position on regulatory applicability and risk absorption reasoning.
• Act as subject-matter expert for all consumer compliance regulations including but not limited to Regulation B, Regulation C, Regulation E, ESIGN, FCRA, FDCPA, GLBA, Identity Theft Red Flags, Regulation P, TILA-RESPA.
• Create workflow processes and attending procedures to be used internally for execution of work and training purposes.
• Provide English to Spanish translation and "back-translation" of national, marketing materials.

Boston, Massachusetts, US

• Provide Credit Unions, Saving Institutions, State Chartered and National Banks with compliance testing services for consumer finance products
• Reviewing and testing for compliance includes but is not limited to: Regulation X, Regulation Z, RESPA-TILA, HMDA Act, Flood Act, Identity Theft Red Flags Rule and SAFE Act
• Identify through product sampling and personnel interviews institutional practice, procedural and policy weaknesses and provide business line solutions

US

• Review and assess documents and contracts for RESPA, TILA, and TRID regulations compliance.
• Research, analyze and publish state regulatory updates in the mortgage lending industry.
• Provide consulting services as well as tandem services such as onsite HMDA scrubs to banks and credit unions.
• Provide business tailored compliance reports on regulatory developments including but not limited to provisions of UETA and BSA.
• Guest speaker.

Boston, MA, US

• Provided document review services for an acquisition conducted by ATC.
• Analyzed various transactional agreements for compliance; these included but were not limited to: licensing agreements, master lease agreements, third-party agreements and commercial contracts.

• Conducted legal research on regulations pertaining to renewable energy and gas related issues.
• Researched and drafted comprehensive in compliance answers responding to public information requests.
• Wrote legal memorandums addressing gas pipelines service quality guidelines, combined heat and power projects, gas system enhancement programs.
• Attended Department of Public Utilities technical sessions and provided reports.

Boston, MA, US

• Prepared witnesses for trial including financial forms examinations and assistance.
• Prepared direct examination, cross examination, and other trial documents for trial.

Houston, Texas, US

• Conducted legal research on housing, wills, and family law matters.
• Coordinated and conducted advertisement business opportunities for an attached business entity.

Juris Doctor (J.D.)

German Studies

Bachelor Of Arts (B.A.), Political Science And Government