General Manager and Compliance Officer at Telegiros Virginia LLC, a Money Service Business (MSB) based in Arlington, VA, offering many services to the international community such as: International money transfer (to Latin America and globally to many other countries in Europe, Africa, and Asia);Phone recharge/top-up;Bill payment; Airline tickets;Notary public;Boost Mobile and Boss Wireless agent;Business registration services.Responsible for establishing and maintaining business relationships with all of the major players in the money transfer industry: Viamericas, Intercambio Express, Ria Financial, Sigue/Reymesa, Dolex, Girosol, IDT/Boss Revolution, Western Union.In charge of implementing, enforcing, and training of personnel for full regulatory compliance with the U.S. Patriot Act, Bank Secrecy Act, and DFI state regulations.Hosted a myriad of successful audits (no recommendations) from the State of Virginia State Corporation Commission and IRS Title 31 Examinations regarding AML (Anti-Money Laundering) Compliance.Transfer over 10,000 remittances and $5 million per year and more than $45 million sent to Latin America since taking over as GM.Notary Public in the state of Virginia since 2015. Current commission expires January 31, 2027

Responsible for managing a Money Service Business that offers a wide array of financial products, consisting of 5 branches across the DMV area. Supervised between 12-16 employees ranging from tellers and marketing associates to branch managers. In late 2013, I oversaw acquisition of 3 branches from a competing MSB. This acquisition increased our revenue and transaction volume by 200%. After implementing major changes across the board: personnel, services, pricing, products, etc, volume of transactions grew an additional 20% over the next year (post-acquisition). As part of Business Development many new products and services were introduced, as well as signing business ventures with new partners offering more lucrative commission structures. As the Compliance Officer, duties included: implementing, enforcing, and updating of all procedures for full regulatory compliance with the Bank Secrecy Act, U.S. Patriot Act, and State Codes. Trained employees on all aspects of AML (Anti-Money Laundering); hosted 4 audits – 1 IRS Title 31 examination, and 3 state money transfer and check cashing audits (1 DC, 1 MD, 1 VA).

Responsible for implementing, enforcing, and updating procedures in our AML Compliance Manual for full regulatory compliance with the Bank Secrecy Act, and the U.S. Patriot Act.Upgraded training material, and conducted training for MFIC personnel, and employees of a dozen branches under the Alante Financial consumer division.Ensured CIP, CDD, and KYC requirements are followed for proper record-keeping.Conducted transaction monitoring and investigative reviews looking for suspicious activity.Reviewed and filed SARs and CTRs with FinCEN, and possible matches of OFAC SDN.Performed internal audits of Alante branches and independent reviews of authorized agents. Prepared and hosted several Federal IRS Title 31 and State DFI Compliance audits.

International compliance consultant based out of La Paz, Bolivia, primarily designing and developing AML programs for MFIC financial institutional partners such as foreign banks and private and mutual funds.Developed AML Programs and performed training for authorized agents of our money remittance platform, including continued education for updated compliance regulations.Created an AML program and created an organizational manual of operations for a large financial institution in El Salvador.Worked closely with the Compliance Department of one of Bolivia’s top banks to create an AML program based on “best practices” in the U.S, and implement them in all of its 40+ branches at the national level.

Duties included but not limited to: expense reporting and reimbursements; human resources - interviewing, hiring, and training of new personnel; administrative and operational responsibilities.Integrating our own internal software with Microsoft Great Plains {in close coordination with the IT (Information Technology) administrator}.The merging of software included implementation of a TMS (Transportation Management System) software and transitioning data from different computers to a shared server.Due diligence and upkeep of our financial relationships with partners; including maintaining bank accounts and insurance policies pertaining to the business and personnel.

Created AML Program and performed training for branches and authorized agents of our money remittance platform, including continued education for updated compliance regulations.Developed training material, and conducted training for MFIC personnel, and employees of a dozen branches under the Alante Financial department.Reviewed and filed SARs and CTRs with FinCEN, and possible matches of OFAC SDN List. Conducted internal audits of Alante branches and independent reviews of authorized agents. Prepared and hosted about a dozen Federal IRS Title 31 and State DFI Compliance audits.As Compliance Consultant (working in conjunction with Ascella Compliance), created a number of AML programs including detailed operations manuals, training and independent reviews for various Money Service Businesses in the U.S.Developed AML programs and manuals for two Canadian MSBs, as well as registering them for the first time with the Financial Transactions and Reports Analysis Centre of Canada, FINTRAC.Performed consulting work which included training of personnel and external independent reviews for financial institutions in Puebla, Mexico, and Toronto and Ottawa, Canada.

Credit Department Manager of Alante Financial (financial consumer division of MFIC).Supervised and managed a team of 9 loan officers.Reviewed and analyzed loans submitted by loan officers in order to approve or deny credit.Coordinated changes in the lending procedures and implemented transition from COBIS database (MicroBanx system) to ARTA lending system (Developed by Wolters Kluwer).

Interviewed prospective loan clients and provided financial counseling.Verified references and assisted clients in order to meet the requirements.Explained the Truth in Lending and Promissory Note agreements and disbursed funds.Collection and follow up on clients in arrears and those who default on their loans.Ranked as the top Credit Officer in loan production within a team of 10 members, by having the best ratio of volume of funds disbursed to number of loans in arrears.

Performed telemarketing and cold calling to sell financial products for MBNA America (the 2nd largest credit card provider in the U.S. at the time).Ranked among the top 10 in sales during every month of employment, within a team of 50 to 60 people.