Reinaldo D. Hernández Torres
Carolina
Summary
Compliance professional with a broad knowledge and extensive experience (over 14 years) in Anti Money Laundering regulations and procedures. Utilizes strong analytical skills to identify and mitigate potential compliance issues. Knowledge of industry standards and best practices ensures organizational adherence to federal laws and regulations. Known for strong focus on team collaboration and achieving results, with flexible approach to evolving needs and a hands-on attitude to develop and execute strategies in an effective and proactive manner. Proficient in Microsoft suite, Internet tools and other operative programs. Excellent interpersonal, oral and written communications skills (Spanish and English).
Overview
18
18
years of professional experience
Work History
BSA/AML Compliance Specialist
Bancaribe International Bank, Inc.
02.2024 - 03.2025
- Analyzed transaction data to identify patterns indicative of money laundering.
- Detected and reported suspicious transactions, using analytical software.
- Responsible to complete Suspicious Activity Reports.
- Conducted in-depth investigations of high-risk accounts.
BSA/AML Compliance Specialist
BNC International Banking Corporation
03.2021 - 02.2024
- Identify and review deposit, loan, and credit accounts for suspicious activity.
- Monitored and analyzed daily and monthly transactions, identifying and referring suspicious activities.
- Responsible to complete Suspicious Activity Reports.
- Developed a new investigations log that help streamlined the SAR filing process, reducing filing times and improving accuracy.
- Produced a monthly analysis report for executive review, enhancing the visibility of key AML metrics.
- Collaborated with external auditors, providing detailed analytical reports.
- Performed special projects or investigations as requested by the Compliance Officer.
Senior BSA Analyst (investigation Unit)
Oriental Bank (NYSE: OFG)
01.2017 - 10.2020
- Identify and review deposit, loan, and credit accounts for suspicious activity.
- Responsible to complete Suspicious Activity Reports.
- Assist with the development, monitoring, and maintenance of the Compliance Program.
- Develops and monitors internal controls, policies, and procedures to ensure effective compliance.
- Ensure processes remain effective by providing feedback/recommendations to the BSA Officer for process/system changes based on ongoing successes and failures.
- Supported management during regulatory exams by providing requested documents as evidence of sound compliance practices.
- Assisted in audits and examinations, demonstrating strong adherence to BSA/AML requirements.
BSA Analyst (monitoring Unit)
Oriental Bank (NYSE: OFG)
03.2014 - 01.2017
- Responsible for monitoring transactional activities relating to the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) and OFAC compliance.
- Reviewed deposit and loan accounts for suspicious activity.
- Analyzed 600+ flagged transactions monthly through detailed analysis for suspicious patterns.
- Referred any suspicious activity to the Investigation Unit.
BSA Reporting Specialist (reporting Unit)
Oriental Bank (NYSE: OFG)
10.2008 - 02.2014
- Responsible to maintain all files and records of reportable transactions as required by BSA and OFG Policy, mainly: Currency Transaction Reports (Fincen 104), Monetary Instrument Purchase Records, Wire Transfers Records and OFAC.
- Conducted thorough data validation and reconciliation exercises, ensuring the highest level of accuracy in all reports produced.
- Maintained the accuracy of information in reports by updating the database regularly and ensuring data integrity.
- Prepare periodic reports and summaries of Currency Transaction Reports, Wire Transfer Documents, Monetary Instrument Purchases and Suspicious Activity Referrals from the reporting unit for the BSA Compliance Officer.
Special Projects - BSA/AML CIP
Oriental Bank (NYSE: OFG)
09.2007 - 09.2008
- CIP for Commercial, Retail and IRA accounts. Performed quality review of accounts documentation, scan and upload file documents to the bank's file management application (OnBase & Metavante).
Education
Bachelor of Arts - Business Advertising & Public Relations
University of Puerto Rico
Carolina, PR01.2006
Skills
- Critical Thinking
- Analytical Research Skills
- Strategic Issue Resolution
- Efficient Workflow Coordination
- Attention To Detail
- Simultaneous Task Management
- Effective Presentation Delivery
- Compliance Monitoring
- Anti-Money Laundering Expertise
- Suspicious Activity Reports
- Currency Transaction Reports
- High Risk Reviews
- OFAC
- Effective Communication
- Fluent in Spanish and English
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference
Work Type
Full TimeWork Location
On-SiteHybridRemoteImportant To Me
Career advancementWork-life balanceHealthcare benefitsCompany Culture401k matchLanguages
Spanish
Bilingual or Proficient (C2)
English
Advanced (C1)
Timeline
BSA/AML Compliance Specialist
Bancaribe International Bank, Inc.
02.2024 - 03.2025
BSA/AML Compliance Specialist
BNC International Banking Corporation
03.2021 - 02.2024
Senior BSA Analyst (investigation Unit)
Oriental Bank (NYSE: OFG)
01.2017 - 10.2020
BSA Analyst (monitoring Unit)
Oriental Bank (NYSE: OFG)
03.2014 - 01.2017
BSA Reporting Specialist (reporting Unit)
Oriental Bank (NYSE: OFG)
10.2008 - 02.2014
Special Projects - BSA/AML CIP
Oriental Bank (NYSE: OFG)
09.2007 - 09.2008
Bachelor of Arts - Business Advertising & Public Relations
University of Puerto Rico
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