Ruth Muñiz
Summary
Experienced Operations Specialist with 25 years in finance and reconciliation, excelling in high-volume environments. Expertise in managing client transactions, improving workflow efficiency, and ensuring compliance with financial regulations. Focused on fostering teamwork and leading initiatives that enhance productivity and customer satisfaction. Seeking a role in Finance/Operations that promotes professional growth.
Overview
27
27
years of professional experience
Work History
Operation Analyst
Kapital Bank International
Guaynabo
02.2026 - Current
- Managed daily banking operations, ensuring accuracy and compliance.
- Analyzed operational data to identify trends and improve efficiency.
- Collaborated with departments to streamline processes and enhance service delivery.
- Developed reports using Excel to present findings to management teams.
Compliance Analyst
Easy Bank International
San Juan
09.2025 - 02.2026
- Analyzed incoming and outgoing transfers to ensure adherence to regulatory standards.
- Executed name screenings and clearances against OFAC list, ensuring compliance for all transactions.
- Conducted comprehensive searches across relevant lists to proactively identify and mitigate potential risks.
- Collaborated with departments to resolve compliance-related inquiries, enhancing cross-functional communication.
Operation Specialist
Intercam Banco Internacional
Guaynabo
09.2018 - 08.2025
- Processed daily incoming and outgoing client transfers and ACH transactions, ensuring accuracy and compliance.
- Corrected non-posted items, streamlining operations and reducing delays.
- Opened new accounts and reconciled Visa Debit exchanges, improving customer satisfaction and retention.
- Monitored operational workflows and recommended improvements, facilitating ongoing process enhancements.
- Prepared journal entries and supported the accounting department, maintaining financial integrity.
Reconciliation & Operation Analyst
ItalBank
San Juan
03.2015 - 09.2018
- Managed expenses for MasterCard Debit products, conducting exchange reconciliations to maintain accuracy.
- Reconciled correspondent accounts for wire transfers and cards.
- Analyzed transactions for discrepancies, ensuring compliance with financial regulations to mitigate risk.
- Prepared daily and monthly transaction volume reports.
- Delivered customer service for card clients, addressing inquiries and resolving issues effectively.
Senior Reconciliation Accountant
Doral Bank
San Juan
01.2005 - 03.2015
- Conducted reconciliations and variance analyses for general ledger accounts, ensuring accuracy and integrity of financial records.
- Ensured compliance with Bank Secrecy Act and financial regulations, maintaining adherence to local and federal legislation.
- Prepared journal entries for Visa Interchange, ATMs, and POS transactions, supporting accurate financial reporting.
- Generated quarterly volume and transaction reports for Visa and MasterCard billing, enhancing visibility into financial performance.
- Collaborated cross-functionally to resolve operational and financial discrepancies, improving accuracy of financial reporting.
Claims & Accounting Supervisor
Doral Bank
San Juan
01.2000 - 01.2005
- Processed claims, reconciliations, and settlements daily, ensuring compliance with organizational rules.
- Monitored accounts to maintain compliance with the 90-day aging limit, safeguarding financial integrity.
- Updated departmental procedures, ensuring compliance with best practices and regulatory standards.
- Supervised and coached personnel, enhancing team collaboration and performance.
- Enhanced staff versatility by cross-training team members across various functions, improving operational flexibility and coverage.
Education
Bachelor's Degree - Education
Inter American University of Puerto Rico
Bayamon01-1993
Skills
- Regulatory compliance
- Banking operations
- Transaction reconciliation
- Analytical thinking
- Team leadership
- Collaboration and teamwork
- Communication skills
- Customer excellence
Languages
- English
- Spanish
Timeline
Operation Analyst
Kapital Bank International
02.2026 - Current
Compliance Analyst
Easy Bank International
09.2025 - 02.2026
Operation Specialist
Intercam Banco Internacional
09.2018 - 08.2025
Reconciliation & Operation Analyst
ItalBank
03.2015 - 09.2018
Senior Reconciliation Accountant
Doral Bank
01.2005 - 03.2015
Claims & Accounting Supervisor
Doral Bank
01.2000 - 01.2005
Bachelor's Degree - Education
Inter American University of Puerto Rico