Roberto Vazquez Email and Phone Number

Responsible for the overall direction, coordination, implementation, execution, control and completion of specific projects ensuring consistency with company strategy, commitments and goals. Include the successful planning, execution and closing of a project. In charge to develop the objective of a project management methodology to provide standards to ensure projects are conducted in a disciplined, well-managed and consistent manner. • Responsible and accountable for the coordinated management of multiple related projects directed toward strategic business and other organizational objectives.• Build credibility, establish reports, and maintain communication with stakeholders at multiple levels, including those external to the organization.• Define and initiate projects to manage cost, budget, ROI analysis, schedule, and performance of component projects, while working to ensure the ultimate success and acceptance of the program. • Work with project sponsor and stakeholder to complete project charter outlining scope, goal, deliverables, required resources, budget and timing. • Resolve any issues and solve problem throughout project life cycle.• Effectively manage project scope by ensuring any change to scope are documented and approved with project change request form.• Track and report on project milestones and status reports to sponsor.• Identifies the technical approach to be used on a given IT project and manages the system development process including the development of a strategic plan, systems analysis, technical design, coding, testing and acceptance of an IT system and/or application.Accomplishments:• Completed the ATM conversion network from Evertec to Fiserv with new features.• Update the new version for internet banking platform from Fiserv Ecom 4.0 to 4.1.• Completed the migration the Lasercheck system to Idisburse LPS application.

In charge to develop security and fraud prevention strategy for each product and services offered. The strategy must have four major components: Prevention, Detection, Recovery and Deterrence. Lead a group of six credit/debit card Chargeback Coordinators engaged in assuring compliance of Visa card claims and FDIC Regulations: Reg. E, Visa chargeback, pre-compliance, compliance, arbitration and collections. Manage the Fraud Reporting Program. Implement innovative approaches to monitoring the fraud performance and mitigate on reduction fraud. Proven track record of successfully managing fraud operational risk program.• Manage the Fraud Reporting Program, assuring that fraud report in a promptly and effectively manner.• Explore and implement innovative approaches to monitor the fraud performances.• Proactively identity emerging fraud trend, analyze root case causes and create and disseminate best practices.• Review and approve all new products, new channels, significant changes and any other significant high-risk processes (including verification strategies, outsourcing of bank operation and card process).• Ensure that fraud prevention controls and monitoring processes are in place for existing products as well as prior to the launch of a new product or process.• Serve the needs of the business management to optimize the impact of fraud standards on revenue, management expenses and fraud losses.• Conduct internal/external investigation of high risk compliance matter, financial fraud and other sensitive/internal matters.• Determine action plans must be produced to assist in the detailed analysis of fraud attack patterns to produce effective countermeasures. • Participate in local, regional and global associations that address fraud and security issues common to other financial institutions.• Preparer annually report of the Identity Theft Red Flags Program to Board of Director.• Lead projects in support of overall risk and corporate initiatives.

Monitored applicants to assure the compliance with the company’s credit policy, laws, regulations, federal and state agencies applicable to the mortgage banking.• Prevent, detect, and report fraud and possible non-compliance in the mortgage loan applications.• Review mortgage loan files that present an unusual or suspicious activity, referred by a federal or state agency, or detected by our daily monitoring.• Training personnel by offering seminars related with the laws and Regulations applicable to Mortgage Loans, and by performing Bank Secrecy and Anti-Money Laundering tests.• Retrieval of data base information related to: special investigation, fraud, drug traffic, identity theft, terrorism, arrest and others.• Review and development of internal procedures, instructions and seminars for the company personnel.

Supervise a staff of three Fraud Prevention Coordinators engaged in the day-to-day analysis and detection of possible frauds transactions. In charge in detecting and preventing fraudulent payment activities, analyze, develop and implement strategies to detect and prevent fraudulent payment transactions minimizing losses and pro-actively contributing to the identification of system improvements, new strategies, and technologies of fraud detection.• Monitoring and rapidly respond to fraud trends, develop and mantean fraud detection rules and reports and provide daily analytical support to fraud operations. Responsibilities to maintain fraud detection strategies.• Create, modify and enhance risk metric to ensure measurable positive impact on fraud losses.• As part of the Banking Association, facilitate trainings and seminars related to Fraud Prevention. Actively member of the Latin American & Caribbean Fraud Prevention Committee that meets on a monthly basis to share operational situations to avoid losses.• In charge of compiling all fraud transactions/activity report to inform losses or recoveries to Corporate Offices located in Fort Lauderdale and Singapore. In addition, report to external bank institutions.• Support other units (Compliance and Quality) to produce/revise operational procedures directly related to fraud initiatives.• High environment of analysis and detection of causes.• Analyzes several aspects of account history to include payment and transaction history.• Documenting the review and investigation process followed for each account reviewed and preparing various documents, reports and system entries as necessary for financial entry, certification, reporting and statistical purposesAccomplishments:• Decreased the bankcard fraud losses in 40% by implementing automated database, creating behavioral formulas and patterns, establishing policies and procedures & regulations.

Led a group of four Chargeback Coordinators engaged in assuring compliance of Visa and MasterCard Regulations: chargeback, retrieval request, pre-compliance, compliance, arbitration and collections for Bahamas, Costa Rica, Panama, Guatemala, Trinidad & Tobago and Dominican Republic.• Analyzed all chargeback cycles to assure completeness of compliance processes.• Performed and submitted daily and monthly report. • Detailed daily Unit’ statistics and productivity activities. • Facilitated trainings in operational, policies and customer service subjects. • Customers Claims and Call Analyst.Accomplishments:• Citicorp Quality Service Award Winner (1999).• Decreased customer claims backlogs by 80%.