Compliance Officer
MICHELLE HERNÁNDEZ VINAS
Banco Popular de Puerto Rico
San Juan,PR
1
Certification
35
Years of experience
Financial Analyst experienced in diverse business transactions, regulatory compliance, and financial analysis. Delivered strategic corporate goals through collaboration in multi-disciplinary environments and implemented compliance frameworks aligned with business objectives. Focused on assessing financial and regulatory changes while ensuring adherence to regulatory standards.
Work History
Compliance Officer Financial Intelligence Unit.
6 Years- Proficiency in conducting financial investigations by collecting, evaluating, analyzing data and evidence related to known or suspected money laundering or terrorist financing activities in order to draft quality Suspicious Activity Reports when potentially suspicious activity is discovered.
- Experience using independent judgment and discretion in complex situations while maintaining a high degree of strict confidentiality.
- Conducted inclusive analysis and uniform evaluation standards in all cases according to internal bank guidelines.
- Notable expertise in analyzing both interrelated and seemingly unrelated data and making appropriate comprehensive management recommendations.
- Followed up efficiently on governmental information requests, guaranteeing prompt case resolution in compliance with time-sensitive regulatory inquiries.
- Careful management and assessment of time periods, filing deadlines, analysis, and documentation of confidential investigation requirements such as judicial subpoenas and triaging requests in terms of time sensitive priority.
- Advised Business and Operational Units on investigation-related information to enhance compliance and operational effectiveness.
- Establishing and maintaining effective liaison and communication with Business Units, Operational Units, and any other bank employees to enhance resolution efforts and maintain BSA AML policies and procedures.
Financial Analyst.
4 Years- Excelling in the analysis of client financial data e.g., budgets, income statement, financial forecasts to structure positive resolution strategies under at risk and time sensitive liquidation scenarios, while adhering to employer quality assurance and risk management regulations.
- Targeting, collecting, and analyzing financial data relating to the collateral and financial performance of an assigned credit portfolio of 178 customers, 247 accounts and $31MM.
- Counseled and presented to senior bank management timely written and verbal recommendations for adjusting collateral valuations based on loan to value impairment analysis, ensuring compliance with federal and state banking regulations.
- Structured financial status reports summarizing commercial and residential loan portfolio data, utilizing financial models for benchmarking and process analysis to enhance reporting clarity.
- Provided committee recommendations on charge off level authorizations for severely impaired collateral and managed a portfolio of title studies and appraisals for credit facilities.
- Analyzing and documenting of loan results in comparison with forecasts to track, establish and reconcile financial status and/or data. Generating timely variance and trending analyses with commentary for executive management review.
- Consulting and advising management with respect to strategic and long - term decision making concerning case strategies. Initiating process improvement and policy development initiatives that impact the achievement of case - positive resolutions, collections, and recoveries from charge off loan provision.
- Working cross functionally with staff across all organizational levels to report on, monitor, and management key financial and non-financial performance indicators.
Accountant.
2 Years- Managed accounting, estate liquidation, and related duties for a significant estate liquidation process of a high-net-worth individual.
- Prepared financial statements, ledger reconciliations, and supporting schedules for trust accounts.
- Managed accounts payable, accounts receivable, and cash posting with strong accuracy.
- Reconciled bank, investment, and general ledger balances to maintain clean records.
Accountant.
7 Years 7 Months- Collected and invoiced legal services rendered and related supporting documentation.
Assistant Vice President, Commercial Loan Officer.
4 Years 1 Month- Evaluated, recommended to the executive committee, initiated, managed, and closed a portfolio of approximately $300MM in commercial, real estate, development, and construction loan agreements.
- Analyzing client financial data such as budgets, income statement, and financial forecasts to structure complex credit instruments specific to the health industry. Worked specifically with loan agreements for refinance, acquisition, and construction such as Pavia Health, Hospital HIMA, Torre Medica HIMA, Hospital Metropolitano.
- Assessed client financial data to structure complex credit solutions for residential and commercial construction projects.
- Consistently managed the Bank’s most profitable income-producing unit.
- Mentored, developed, and led junior analysts to achieve peak performance levels in credit origination and administration.
Credit Officer – Credit Administration Department.
6 Years 4 Months- Conducted financial credit analysis, loan documentation, and policy implementation of financial credit policies. Reviewed commercial loan portfolio procedures and reporting.
- Analyzed creditworthiness for commercial and consumer loan requests using income, collateral, and repayment history.
- Reviewed credit applications and supporting documentation for completeness, accuracy, and policy compliance.
- Evaluated financial statements to assess risk, repayment capacity, and lending eligibility.
Credit Officer.
1 Year 9 Months- Excelled at liquidity analysis and evaluated credit facilities to ensure comprehensive documentation. Provided personalized service and leveraged in-depth knowledge of bank core products to identify and address customers’ immediate needs, enhancing overall client experience.
- Analyzed credit applications to assess risk, repayment capacity, and policy compliance.
- Evaluated financial statements to support informed lending decisions.
- Prepared detailed credit memoranda for loan committee review.
Credit Officer.
2 Years- Responsible for financial credit analysis, loan documentation, and policy implementation of financial policies.
- Analyzed credit applications and financial statements to support sound lending decisions.
- Evaluated borrower risk, collateral, and repayment capacity for diverse loan requests.
- Reviewed loan documentation for accuracy, completeness, and policy compliance.
Direct Marketing and Sales & Service Officer.
1 Year- Drove promotion of financial investment strategies, credit instruments, and other banking services and products through targeted advertising efforts.
Strengthened branch visibility through consistent customer interaction on sales floor.
Matched customer needs with suitable financial and investment recommendations while supporting client service and cross-selling bank offerings.
Education
Master’s Coursework - Accounting/Business Administration
Bachelor of Business Administration - Accounting
Skills
Regulatory processes
Compliance monitoring
Compliance reporting
Internal audits
Auditing processes
Suspicious activity reporting
Financial investigations
Document review
Data analysis
Risk management software
Risk case management
Certification
Certified Anti-Money Laundering Specialist (CAMS)
Additional Information
Fluent in English and Spanish.
American Cancer Society Volunteer - Scholarships and Grand Gala Committee's
Disclaimer
References Available Upon Request.
Timeline
Compliance Officer Financial Intelligence Unit.
Banco Popular de Puerto Rico
11.2018 - 11.2024Read More
Financial Analyst.
Banco Popular de Puerto Rico
11.2014 - 11.2018Read More
Accountant.
Trustee
11.2012 - 11.2014Read More
Accountant.
Montanez & Alicea Law Offices
04.2005 - 11.2012Read More
Assistant Vice President, Commercial Loan Officer.
Westernbank Puerto Rico
03.2001 - 04.2005Read More
Credit Officer – Credit Administration Department.
Banco Santander of Puerto Rico
11.1994 - 03.2001Read More
Credit Officer.
Bank Trust of Puerto Rico
02.1993 - 11.1994Read More
Credit Officer.
Banco Bilbao Vizcaya Argentaria, BBVA
02.1991 - 02.1993Read More
Direct Marketing and Sales & Service Officer.
Banco Comercial of Mayaguez acquired by Banco Bilbao Vizcaya Argentaria, BBVA
02.1990 - 02.1991Read More
The University of Puerto Rico, Río Piedras Campus
Bachelor of Business Administration from Accounting
Read More
The University of Puerto Rico, Río Piedras Campus
Master’s Coursework from Accounting/Business Administration
Read More