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banking Regulatory Compliance and project management
Alejandro Murcia
CRCM, PMP, CAMS & AMLCA
cERTIFICATIONS
Certified Project Manager Professional (PMP)
Project Management Institute (PMI)
Jan 2024
Certified Regulatory Compliance Manager (CRCM)
American Bankers Association (ABA)
Dec 2021
Certified Associate in Anti-Money Laundering (CA/AML)
Florida International Bankers Association (FIBA)
Sep 2007
Certified Anti-Money Laundering Specialist (CAMS)
Association of Certified Anti-Money Laundering Specialists (ACAMS)
Mar 2005
EDUCATION
Associate's degree, Business Management
1995 – 1996
Associate's degree, International Trade
1995 – 1995
Florida International University
Associate's degree, Anti-Money Laundering
2007
Collin County Community College
Project Management Certification
2013
B.A., Business Administration
1987 – 1994
Experience
Discover Financial Services
Discover Financial Services
Discover Financial Services
Principal Compliance Specialist
Feb 2024 - Present
Dallas/Fort Worth Area
Maintaining and enhancing department or functional units in support of the overall compliance program components.
Assisting with researching regulatory compliance requirements and evaluating the adequacy of business policies, procedures, training and reference materials
Principal Compliance Specialist
Feb 2024 - Present
Dallas/Fort Worth Area
Maintaining and enhancing department or functional units in support of the overall compliance program components.
Assisting with researching regulatory compliance requirements and evaluating the adequacy of business policies, procedures, training and reference materials, systems, and manual processes.
Assisting with the identification and assessment of compliance program risks and controls.
Supporting management in the development, implementation, and maintenance of compliance programs and a culture of compliance.
Assisting with the preparation of status reports of program initiatives, activities, and compliance issues to management and committees.
Applying a general understanding of risk identification and assessment processes, tools, and techniques to provide oversight and challenge to risk measurement activities.
Demonstrating knowledge and understanding of compliance laws and regulations.
Identifying and escalating compliance risk management issues in a timely and effective manner, including the ability to manage, monitor, and report on issues and develop action plans.
Identifying regulatory risks and adequate risk mitigants, as well as effectively challenging the assessment of controls to prevent, detect, and correct errors.
Effectively communicating (written and verbal) when meeting with and/or presenting to peers or different levels of leadership.
Making sense of complex information to effectively solve problems.
American First Finance
Discover Financial Services
Discover Financial Services
Compliance Manager - Testing
Jul - Dec 2023
Dallas/Fort Worth Area
With little oversight, perform all testing phases of the compliance review process to assure compliance with complex policies, processes, and associated consumer protection laws and regulations.
Provide in-depth, objective, and accurate compliance analysis and high-quality
Compliance Manager - Testing
Jul - Dec 2023
Dallas/Fort Worth Area
With little oversight, perform all testing phases of the compliance review process to assure compliance with complex policies, processes, and associated consumer protection laws and regulations.
Provide in-depth, objective, and accurate compliance analysis and high-quality supporting test reports, work papers, and documentation.
Review processes and controls, identify risks, and effectively recommend risk-based improvements as needed in conjunction with applicable legal and regulatory requirements.
Mentor, coach, and develop less experienced or new compliance colleagues to foster a collaborative and strong testing team.
Maintain strong knowledge of consumer lending, credit, financing, and leasing compliance regulations (both State and federal), industry standards, and regulatory best practices.
Assess the design and effectiveness of controls implemented to mitigate the applicable consumer compliance risks.
Collaborate with various levels across the business to build relationships and understand the business units and processes to resolve control weaknesses and identified risks.
Effectively communicate the testing scope, approach, results, and actions to the business lines, executive team, and other stakeholders.
Help coordinate requested materials for internal or external audit and regulatory compliance examinations. design, development, and implementation of compliance policies, processes, and procedures.
Dell Technologies
Discover Financial Services
MoneyGram International
Regulatory Compliance Consultant -
Dell Financial Services
Feb 2014 - Jun 2023
Dallas/Fort Worth Area
Lead day-to-day guidance and strategic planning to business units in the design, development, and implementation of compliance policies, processes, and procedures
Conduct compliance reviews of business units to identify potential gaps or brea
Regulatory Compliance Consultant -
Dell Financial Services
Feb 2014 - Jun 2023
Dallas/Fort Worth Area
Lead day-to-day guidance and strategic planning to business units in the design, development, and implementation of compliance policies, processes, and procedures
Conduct compliance reviews of business units to identify potential gaps or breaches of compliance requirements and propose remedial actions.
Identify compliance, credit, and operational risks in the compliance system and business processes.
Contribute to the development and implementation of detective controls using management information systems to identify transactional anomalies, exceptions, and trends.
Respond to compliance questions & requests and identify, diagnose, and resolve complex issues.
Collaborate with the legal department to interpret applicable federal and provincial laws and regulations, developing controls in policies, processes, and procedures to ensure regulatory compliance; prepare responses to regulatory inquiries, examinations, and investigations.
Conduct, monitor, and test business processes and outputs for compliance with applicable laws and regulations, developing analytics to detect potential compliance breaches.
Advise compliance management of issues, recommending corrective actions, and assisting business units to implement changes.
Provide regulatory support on existing business practices and new initiatives, identifying, diagnosing, and resolving complex problems affecting compliance requirements.
MoneyGram International
Kwik Dollar LLC - Dinex Envios
MoneyGram International
Compliance Manager
Jan 2012 - Jan 2014
Dallas/Fort Worth Area
- Performed as primary compliance SME for U.S. Anti-Money Laundering, Bank Secrecy Act, and Patriot Act regulatory expectations
- Managed team of regional Compliance Officers ensuring agents implemented compliance policies and programs in accordance with local and federal regulat
Compliance Manager
Jan 2012 - Jan 2014
Dallas/Fort Worth Area
- Performed as primary compliance SME for U.S. Anti-Money Laundering, Bank Secrecy Act, and Patriot Act regulatory expectations
- Managed team of regional Compliance Officers ensuring agents implemented compliance policies and programs in accordance with local and federal regulations
- Partnered with the Program Office and associated business units to ensure policies and controls were practical, efficient, and workable, and to capture regional exceptions to enterprise programs and policies
- Developed local required compliance programs and identified emerging trends and perceived risk
- Managed relationships with state and federal regulators, IRS, and other entities related to AML and Fraud program
Kwik Dollar LLC - Dinex Envios
Kwik Dollar LLC - Dinex Envios
Kwik Dollar LLC - Dinex Envios
Compliance Manager
Sep 2008 - Jan 2012
Huston, Texas Area
- Evaluated and responded to a diverse range of banking institutions and regulators and inspections and requirements from the top 10 states for money remittances in the US, Spain, and Canada
- Developed, and executed employee training programs, including Anti-Money Laundering with Risk
Compliance Manager
Sep 2008 - Jan 2012
Huston, Texas Area
- Evaluated and responded to a diverse range of banking institutions and regulators and inspections and requirements from the top 10 states for money remittances in the US, Spain, and Canada
- Developed, and executed employee training programs, including Anti-Money Laundering with Risk Assessment Program of High-Intensity Financial Crime Areas (HIFCA) and High-Intensity Drug Trafficking Areas (HIDTA), and operational performance programs, including Know Your Agent (KYA) and Know Your Customer (KYC).
Founder of Alejandro Murcia & Co. LLC
CMS Audit - Risk Assessment - Training - Monitoring
Subject Matter Experts on regulatory consumer compliance testing reviews, Bank Secrecy Act, OFAC, Know Your Customer, Privacy, Credit CARD Act, UDAAP, Equal Credit Opportunity Act, TILA, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Money Laundering Act, Servicemembers Civil Relief Act.
Contact Me
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