Carlos Alberto Estrada Sánchez

*Monitor and analyze transactions for suspicious activity, ensuring timely reporting and adherence to regulatory requirements.
*Screening for Adverse Media/PEP status/Sanctions nexus for the entity and all related parties; mitigation of hits and risk classification thereof.
*Develop and maintain effective operational processes, workflows, and documentation for KYB and KYC procedures.
*Investigate, research, examine, and report complex financial crimes transactions, policy violations and suspicious situations with high levels of risk.
*Compiling timely, accurate and effective statistics for the purpose of reporting outcomes in the QA analysed areas.
*Responsible for attention of judicial requirements, received through the portal SITI AA.
*Perform KYC tasks, including monitoring and tracking of the KYC records and Appendix approval process, assisting with the development and execution of action planning for expiring records, and ensuring records are not past due.
*Work closely with our providers (law firms, consultancies & advisors).
*Responsible for performing the due diligence review and sanction checking e.g. review investor on-boarding documentation in accordance with the Company’s KYC standard and applicable regulatory requirements.
*Reviewing control reports, investigating and resolving breaks.
*Conduct compliance checks on potential business counterparties.
*Analyzing data, preparing and presenting regional and global reports related to sanctions risk assessments, and monitoring of sanctions related issues and escalations with senior management and global partners.

*Company’s point of reference for reporting activities towards public authorities and regulators.
*Preparation of required reporting packages based on users’ data and according to local regulatory standards.
*Lead the preparation of AML/KYC compliance reports related to virtual assets and SARs.
*Handle and review assigned cases within available SLAs.
*Maintain strong collaborative working relationships between the internal teams guaranteeing information is accurate and consistent to ensure reporting requirements and quality of SARs to satisfy official deadlines.
*Produce documentation and procedures in accordance with local regulatory reporting instructions and in compliance with global department policies, standards and procedures.

*Responsible for the planning and delivery of all aspects of the fraud management effort to customers, merchants, payment facilitators, service providers and Mastercard cross functional business units.
*Assist’s customers in protecting brand integrity and mitigation of payment risk.
*Conduct in-depth MIS analysis using internal Mastercard data.
*Leverage Mastercard products and programs as well as industry “best practices“ to assist customers in their efforts to mitigate fraud and comply with Mastercard rules architecture and standards.
*Provides consultancy services and risk assessments to customers in the areas of fraud prevention, detection, chargeback and recovery.
*Provides investigative assistance to customers and law enforcement as well as manages regional education/training initiatives.
*Internal and external customer relationship management responsibilities.
*Customer training and development.

*Assist the AML Manager in implementing all AML regulation related matters (regulatory reports, KYC, alert monitoring).
*Reviewing new and existing Policies & Processes in line with the Target Operating Model.
*Perform KYC tasks, including monitoring and tracking of the KYC records and Appendix approval process, assisting with the development and execution of action planning for expiring records, and ensuring records are not past due.
*Work closely with our providers (law firms, consultancies & advisors).
*Responsible for performing the due diligence review and sanction checking e.g. review investor on-boarding documentation in accordance with the Company’s KYC standard and applicable regulatory requirements.
*Reviewing control reports, investigating and resolving breaks.
*Conduct compliance checks on potential business counterparties.

*Maintain fraud analysis models to improve efficiency and effectiveness of company systems.
*Generate suspicious activity reports and risk management reports for Managers.
*Preparation of adequate testing documentation for approvals, decisions and future evidence.
*Monitor and analyze transactions for suspicious activity, ensuring timely reporting and adherence to regulatory requirements.
*Screening for Adverse Media/PEP status/Sanctions nexus for the entity and all related parties; mitigation of hits and risk classification thereof.
*Delivers on time high audit reports and work papers,
*Internal Audit and Regulatory issue validation and branch examinations feedback, as well as business monitoring and governance committee reporting.
*Analyzing data, preparing and presenting regional and global reports related to sanctions risk assessments, and monitoring of sanctions related issues and escalations with senior management and global partners.
*Maintain fraud analysis models to improve efficiency and effectiveness of company systems.
*Building and applying testing excellence and knowledge of anti-money laundering processes. *Operating within agreed business SLAs and confidentiality standards.

*Monitor real time queues and identify high risk transactions within the business portfolio.
*Observe customer transactions to identify fraudulent activity such as account take over, friendly fraud, theft and similar other risks.
*Identify fraudulent transactions and cancel them from further processing.
*Resolve queued transactions within the service level agreements to reduce potential revenue losses. *Interact with banks and customers to validate information and to confirm or cancel authorizations.
*Resolve customer issues within the scope of existing service level agreements.
*Monitor constantly customer and transactional records to identify unauthorized transactions and fraudulent accounts.
*Maintain fraud analysis models to improve efficiency and effectiveness of company systems. Ensure confidentiality of all information collected during investigation.
*Determine existing fraud trends by analyzing accounts and transaction patterns. Identify system improvements to prevent fraudulent activities.
*Recommend anti-fraud processes for changing transaction patterns and trends. Recommend new software tools used for fraud detection, prevention and reporting activities. Generate suspicious activity reports and risk management reports for Managers.

*Working with internal groups including partnering with LOB Compliance, Legal, Audit, Risk to ensure consistent understanding of requirements.
*Analysis of financial transactions, behavior of profiles (customers, users and employee).
*Analysis of cases alerted by operations that have generated alerts on the prevention of money laundering and combating the financing of terrorism (AML).
*Manage calibration with Quality Control (QC) to close the feedback loop on quality checked records and make corrections to KYC record.
*Integration of information of customers, users and employees, contained in public sources and institutional means.
*Maintain fraud analysis models to improve efficiency and effectiveness of company systems. Generate suspicious activity reports and risk management reports for Managers.
*Preparation of adequate testing documentation for approvals, decisions and future evidence.
*Delivers on time high audit reports and work papers, Internal Audit and Regulatory issue validation and branch examinations feedback, as well as business monitoring and governance committee reporting.
*Analyzing data, preparing and presenting regional and global reports related to sanctions risk assessments, and monitoring of sanctions related issues and escalations with senior management and global partners Building and applying testing excellence and knowledge of anti-money laundering processes.
*Operating within agreed business SLAs and confidentiality standards.

*Performing analysis on transactions to identify unusual activity, conduct research on transactions, counterparties and other related parties.
*Manage Sanctions and Politically Exposed Person (PEP) screening alerts to decision cases at Market Compliance Officer level in accordance with regulatory requirements as well as global and local policies.
*Conduct AML monitoring investigations and decision cases escalated by the various business units within the Company.
*Receive, analyze and address ad hoc information requirements issued by the National Banking and Securities Commission (CNBV) and other supervisory authorities in regards of the AML program.
*Coordinate and address internal and external regulatory audits applicable to the AML program, as well as monitor the progress and completion of corrective action plans as appropriate.
*Undertaking case investigations of potentially suspicious activity. Preparing suspicious activity reports and related metrics and statistics.