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Sandra Estrada

@sandraestrada

20+ yrs scaling AML/BSA, FIU ops & risk frameworks for high-growth fintechs. Building compliant systems that enable safe, rapid expansion.

United States

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What I'm looking for

Looking for a dynamic, growth-oriented environment that values strong compliance controls and operational excellence where I can leverage 20+ years of AML/BSA and Regulatory Risk experience to build robust compliance operations, navigate complex regulations, and support company expansion,

CAMS-certified Financial Crimes Compliance Executive with 20+ years of expertise scaling AML/BSA, FIU operations, and regulatory risk frameworks. Proven success leading transaction monitoring, SAR/CTR oversight, and multi-state MTL licensing for high-growth fintechs and global financial institutions, including Intermex Wire Transfer Corporation, TANG App (Start-Up), MoneyGram, and Western Union. Skilled at building scalable controls, leading large teams, and partnering with executive leadership to enable safe business growth.

Experience

Work history, roles, and key accomplishments

Current

Manager, Financial Intelligence Unit (FIU)

Current

Intermex Wire Transfer Corp

May 2023 - Present (3 years 6 months)

Direct enterprise-wide Financial Intelligence Unit operations, overseeing transaction monitoring, financial crime investigations, and regulatory reporting. Lead end-to-end alert review and investigative processes, ensuring timely and compliant SAR and CTR filings.

AML BSA Transaction Monitoring Financial Crime Investigations SARs CTR FinCEN Risk Mitigation Leadership

Compliance Lead

TANG App

Mar 2021 - May 2023 (2 years 2 months)

Designed and implemented a comprehensive AML/CFT compliance framework supporting rapid growth and multi-state Money Transmitter License acquisition. Collaborated with Product, Engineering, and Operations to embed automated transaction monitoring and compliance controls.

AML CFT Compliance Frameworks Money Transmitter Licensing Risk Assessment Transaction Monitoring Fraud Detection

VP, BSA/OFAC Adherence Officer

Bank of Hope

Dec 2019 - Mar 2021 (1 year 3 months)

Enhanced BSA/AML and OFAC monitoring systems through risk-based tuning and optimization. Strengthened enhanced due diligence and customer risk-rating processes, achieving a 98% compliance rate in quality assurance reviews.

BSA AML OFAC Sanctions Compliance Enhanced Due Diligence KYC Risk Rating Quality Assurance

Senior Compliance Officer

Western Union

Sep 2014 - Dec 2019 (5 years 3 months)

Conducted compliance examinations and risk assessments across high-risk international markets. Produced financial crime intelligence reports contributing to a 40% increase in fraud detection effectiveness and directed remediation across 100+ agent locations.

Examination Compliance Risk Assessment Financial Crime Intelligence Fraud Detection Anti Money Laundering Training remediation

Regulatory Monitoring and Reporting Manager

MoneyGram International

Dec 2010 - Sep 2014 (3 years 9 months)

Led complex financial crime investigations and managed daily FinCEN filing operations with 100% on-time submission for high-volume SARs and CTRs. Directed a team of 20 compliance investigators.

Case Management Investigation SARs CTR FinCEN Regulatory Reporting Team Leadership AML

Regional Compliance Officer

Sigue Corporation

Jun 2005 - Nov 2010 (5 years 5 months)

Executed risk-based BSA/AML compliance oversight across high-volume agent networks. Conducted onsite examinations, mystery shopping audits, and developed compliance training programs.

BSA AML Compliance Oversight Onsite Evaluation Audit Training Risk Mitigation