Experience

KEO World

• United States
• Financial Services
• 1 - 100 Employee

• Head Of Risk

  • Jul 2021 - Present

  Miami, Florida, United States Responsible for the financial analysis and due diligence for the approval process of customer operations in Mexico and LATAM. Preparation of reports and statistics to the Management Team. Support for the implementation of new analysis and monitoring tools. Control of compliance with eligibility conditions, control of guarantees and limits. Monitoring of approved credit lines. Internal and manual procedures control.



PRAGMATIQUS LLC

• Operations and Risk Advisor

  • Jan 2019 - Present

  Miami/Fort Lauderdale Area Responsible for the operational procedures in Miami´s office. Participation in credit committee factoring operations. Financial analysis of risk profile. Definition of policies for credit risk. Compliance procedures. Coordination and supervision of Costa Rica office and operations.



PRAGMATIQUS SA

• Risk Management Advisor

  • Jan 2017 - Dec 2018

  Quito, Pichincha, Ecuador Participation in credit committee for factoring operations. Due diligence of clients, analysis of risk profile. Definition of policies for credit risk. Compliance procedures. Contact and reporting with international funds, in order to determine the investment opportunities.



MFR

• Italy
• Financial Services
• 1 - 100 Employee

• Regional Manager Latin America

  • Feb 2008 - Mar 2014

  Quito, Ecuador Responsible for the definition of the strategic and operational planning of Latin America Region, control and compliance with the annual budget. Lobbying with the local government and international institutions supporting microfinance sector. Support in the design and coordination of the marketing strategy of Microfinanza Rating in Latin America. Administration and management of the team of Analysts. Compliance with the local regulation. Participation in committees of risk… Show more Responsible for the definition of the strategic and operational planning of Latin America Region, control and compliance with the annual budget. Lobbying with the local government and international institutions supporting microfinance sector. Support in the design and coordination of the marketing strategy of Microfinanza Rating in Latin America. Administration and management of the team of Analysts. Compliance with the local regulation. Participation in committees of risk rating of institutions at the international level. Report to the Executive Director and the Board of Directors of Microfinanza Rating in Italy. Prepare, organize and implement ratings of banks, financial institutions, credit unions, NGOS, etc. Experience in financial risk ratings and rating of social performance at the international level. (Bolivia, Colombia, Peru, and Central American countries). Special investigations for external funds, which included analysis of the financial system, dynamics of microfinance, regulation, government and investment opportunities. Due diligence of specific institutions on behalf of international founds, in order to determine the investment opportunities. Provide internal and external training courses, in risk administration and social performance in the MFIs. Show less



FINCA International

• United States
• Non-profit Organizations
• 700 & Above Employee

• Risk Manager and Compliance Officer. Director in Risk Committee

  • Aug 2003 - Oct 2007

  Ecuador Support in the regulated procedures of FINCA’s transformation from NGO to Financial Institution. Creation of the Risk department, compliance with existing regulations and development of tools for management of credit, liquidity, market and operational risks. Responsible for monitoring, reporting and managing the risks of the institution. New relationship and maintenance with international founders and donors, elaboration of proposals, negotiation of the terms and conditions… Show more Support in the regulated procedures of FINCA’s transformation from NGO to Financial Institution. Creation of the Risk department, compliance with existing regulations and development of tools for management of credit, liquidity, market and operational risks. Responsible for monitoring, reporting and managing the risks of the institution. New relationship and maintenance with international founders and donors, elaboration of proposals, negotiation of the terms and conditions, preparation of financial information and reports requested, following the payments. Preparing monthly reports to committees and Board of Directors. Development of manuals and procedures for the implementation of policies at the institution. Authorized Compliance Officer, management of the compliance ethic policy, AML policies, transaction reports, training of staff. Show less



ING

• Netherlands
• Banking
• 700 & Above Employee

• International Trade Manager, Back Office Manager, Risk and Compliance Officer.

  • Sep 1995 - Aug 2003

  Quito, Ecuador Implementation of the Department of International Trade Finance and loan portfolio. Responsible for the process and control of offshore operations. Reports in a daily and monthly basis to Regional Offices and General Manager. Control of legal documentation and compliance with approved conditions, control of guarantees and covenants. Monitoring of the credit and country limits. Elaboration of Operations manuals, Risk, Human Resources, Money Laundering and Codes of Conduct… Show more Implementation of the Department of International Trade Finance and loan portfolio. Responsible for the process and control of offshore operations. Reports in a daily and monthly basis to Regional Offices and General Manager. Control of legal documentation and compliance with approved conditions, control of guarantees and covenants. Monitoring of the credit and country limits. Elaboration of Operations manuals, Risk, Human Resources, Money Laundering and Codes of Conduct. Liquidity Management of the office, investments of excesses and elaboration of reports. Preparation of annual expenditure budget and monitoring compliance. Payroll Administration. Show less



Banco del Pacífico

• Ecuador
• Financial Services
• 700 & Above Employee

• Supervisor of International Trade Finance, Credit Letter, Collections.

  • Sep 1991 - Sep 1995

  Quito, Ecuador Operations management. Support to the clients in the international payment methods. Update of the operations manuals. Supervise to junior analysts.