Open to opportunities

Yolanda Rios

@yolandarios

Message

Risk and compliance leader driving data-driven control monitoring and scalable risk infrastructure.

United States

Message

What I'm looking for

I seek a senior risk or compliance role where I can lead control monitoring, drive data-driven oversight, scale QA processes, and partner cross-functionally to ensure regulatory compliance and operational efficiency.

I am a strategic risk and compliance professional with over 15 years of experience across financial services and fintech, including roles at large banks and consumer-focused platforms.

I specialize in designing and executing continuous control monitoring, issue validation, and data-driven risk oversight for lending, fraud, credit, and deposit products.

I have led teams, developed department-wide QA methodologies, and provided independent data validation and remediation oversight to ensure regulatory compliance with TILA, UDAAP, FCRA, BSA/AML, and RegE.

I partner cross-functionally to translate risk insights into operational improvements and strategic decisions, combining technical systems knowledge (SAP, Business Warehouse, BI tools, advanced Excel) with strong leadership and communication skills.

Experience

Work history, roles, and key accomplishments

Current

Business Controls Testing Team Lead

Current

SoFi

Jun 2022 - Present (3 years 8 months)

Lead execution of continuous control monitoring for a major fintech platform across lending, fraud, credit, and deposits; established department QA methodologies and issue validation processes that improved scalability of risk operations and informed senior management decisions.

Continuous Control Monitoring QA Processes Data Analysis Regulatory Compliance

Risk & Compliance Lead

USAA (via Protiviti/Robert Half)

Oct 2019 - Jun 2022 (2 years 8 months)

Led validation of issue response action plans and control design effectiveness for a top US financial institution portfolio; performed independent data validation for consumer remediation and identified/mitigated compliance risks across TILA, UDAAP, FCRA, BSA/AML, and Reg E.

Data Validation Consumer Remediation Regulatory Compliance BI Reporting Risk Analysis TILA UDAAP FCRA

Funds Analyst

IBM / PepsiCo

May 2016 - Sep 2018 (2 years 4 months)

Resolved complex account and contract inaccuracies for trade spend, executing project plans with minimal direction to ensure financial accuracy.

Trade Spending Account Reconciliation Contract Review Financial Reporting Excel

FFS Delivery Agent Coordinator

Dr Pepper / Keurig

May 2018 - Aug 2018 (3 months)

Managed data reconciliation and volume reporting using SAP, Business Warehouse, and Excel to research unmapped accounts and support delivery operations.

SAP Business Warehouse Advanced Excel Data Reconciliation Volume Reporting

Operations Specialist III

Bank of America

Nov 2011 - Sep 2013 (1 year 10 months)

Supervised adherence to DOJ guidelines and internal quality control; audited loan validation and foreclosure documentation to maintain compliance and mitigate operational risk.

Quality Control Audit Regulatory Compliance Process Improvement Risk Management

Mortgage Broker & Principal

Capstone Mortgage

Jan 1997 - Jan 2008 (11 years)

Founded and led a mortgage brokerage overseeing high-volume loan production while maintaining 100% regulatory compliance and performing HMDA reporting and QA audits on loan files.