Ray Almanza, Cams Email & Phone Number

San Diego, California, United States

• Manage the direction of GMT’s policies, procedures/processes and controls; perform periodic updates as necessary to be compliant with BSA, AML, and OFAC requirements• Coordinate remote and physical bank, federal and state audits/exams and prepare responses to their findings.• Manage compliance strategy of consumer/agent fraud controls• Oversee GMT’s compliance department activities including transaction monitoring, BSA/AML agent and employee training, transaction release procedures, and monitor enhanced due diligence and KYC programs• Conduct yearly risk assessments for the company, its products/services, consumer base and countries it operates within.• Maintain and renew GMT’s 38 current state MSB licenses with 18 in the pipeline to all be approved in early Q1 2024.

Internet, Xx

• Optimize current processes and procedures as they pertain to fraud and compliance workflows at the onboarding stage of new customers and injected transactions. • Develop outline and content for risk operations manual.• Spearheaded the framework for fraud and risk mitigation and building loss metrics, reports, and KPIs.• Evaluate current customer service organization, and highlight and recommend improvements and operational work flow optimizations. • Driving the bad debt, collection, charge-back and dispute resolution mitigation strategy.pearheaded

San Francisco, Ca, Us

• Analyzed trends and identified areas/corridors requiring increased controls to protect consumers and Xoom from future incidents of fraud.• Achieved 13 consecutive years of attaining regional and company-wide loss rate of 15 BPS, resulting in year-over-year profits.• Monitored and reviewed suspicious money transfers for possible fraud including patterns and trends.• Reported identifiable trends and patterns to management and provided insights and recommendations for loss mitigation as needed.• Translated trends and patterns into actionable screening rules on the Xoom Risk system.• Contacted customers by phone and email to verify information and authenticate users.• Adhered to policies and procedures for investigating fraudulent behavior and comply with federal and state regulations.

• Performance-based promotion. Oversaw teams of Fraud Investigators and Fraud Analysts to ensure the fraud investigations unit operated effectively and efficiently. Both in t and India.• Collaborated with and advised business lines on fraud prevention solutions, identity theft protection, authentication protocols, risks, and controls.• Planned, developed, and launched Customer Verification and Compliance teams in the Philippines in 2010 and Spanish teams in El Salvador in 2011. • Reduced transactional review time from 8 to 5 minutes, leading to transactions being cleared at a rate of 33%.

• Completed variety of fraud related tasks and/or special projects.• Identified risks and prevented losses related to fraud activities/high-risk behaviors and suggested prevention solutions.• Handled confidential information in a mature and professional manner.

San Francisco, Ca, Us

* Managed daily operations of the banks’ ATM/Debit card programs.* Coordinated and assisted with the installation of security systems for new branch deployments. nationwide. * Supervised cash management for 25 branches and 150 offsite mobile ATMs, coast to coast.* Proficient vendor management skills with multiple national companies. Monitored ATM and card activity for potential fraudulent activity.

Bachelor’S Degree, Teaching English As A Second Or Foreign Language/Esl Language Instructor

Associate'S Degree, Business Administration And Management, General