Open to opportunities

Carmen Enid Lopez Ramos

@carmenenidlopezramos

I strengthen banking compliance programs through investigations, regulatory monitoring, SAR filings, and operational support.

Puerto Rico

Message

What I'm looking for

I'm looking for a role where I can strengthen compliance programs through regulatory monitoring, investigations, due diligence, SAR filing, and operational process improvement.

I've supported compliance programs at Banplus Internacional Bank, Banco Cooperativo de Puerto Rico, Banco San Juan Internacional, and Banco Santander.

As Compliance Manager at Banplus Internacional Bank, I assisted the Compliance Officer with regulatory compliance program management, process oversight, and compliance team supervision.

I've analyzed investigation referrals, filed SARs, conducted enhanced due diligence for high-risk accounts, and monitored OFAC, FinCEN 314a, SDN lists, and wire transfers.

Alongside banking compliance, I provide independent administrative, HR, and compliance support to small businesses, improving workflows and keeping documentation and procedures current.

Experience

Work history, roles, and key accomplishments

Current

Independent Administrative, HR & Compliance Support Contractor

Current

Self Employed

Jan 2024 - Present (2 years 8 months)

Provided contract-based administrative and customer service support for small businesses, optimizing workflows, managing HR coordination, and reinforcing internal compliance practices.

Workflow Optimization HR Coordination Recruitment Onboarding Policy Updates Compliance

Compliance Manager

Banplus Internacional Bank

Jan 2023 - Jan 2024 (1 year)

Assisted the Compliance Officer in managing the Compliance Program to ensure regulatory compliance, overseeing processes and supervising the compliance team.

Compliance Management Regulatory Compliance Team Supervision Process Oversight

Compliance Officer Assistant

Banco Cooperativo de Puerto Rico

Jan 2021 - Jan 2023 (2 years)

Assisted the Compliance Officer in managing the compliance program, analyzing referrals for investigations, filing SARs, performing enhanced due diligence on high-risk accounts, and executing FinCen 314a/314b and wire transfer processes.

SAR Filings Enhanced Due Diligence FinCEN 314(A)314(B) Information Sharing Wire Transfers Compliance

Sr. Compliance Analyst

Banco San Juan Internacional

Jan 2018 - Jan 2020 (2 years)

Documented suspicious activity and filed SARs, conducted EDD reviews, monitored OFAC and FinCen 314a reporting, and ensured compliance with BSA/AML/OFAC laws. Managed the Banker's Academy training tool.

SAR Filings Enhanced Due Diligence OFAC FinCEN 314(A)SDN Anti Money Laundering Training

BSA/AML Compliance Investigator

Banco Santander

Jan 2015 - Jan 2018 (3 years)

Conducted investigations, performed and filed SARs to comply with federal banking regulations, analyzed unusual client activities for potential money laundering or terrorist financing, and performed enhanced due diligence reviews.

Anti Money Laundering SAR Filings Investigation Enhanced Due Diligence OFAC Financial Crime Detection