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Javier brings 25 years of banking and regulatory compliance experience specializing in the areas of Enhanced Due Diligence, Know your Customer (KYC) Remediation, Look Backs, Internal Audits, Risk Assessments, and Anti-Money Laundering (AML) policies and procedures. A former Bank Examiner for the Office of the Comptroller of the Currency (OCC) and the Federal Reserve Bank, Javier brings a regulator’s knowledge and expertise to MDO Partners.
When Javier worked at the OCC and the Federal Reserve, he performed supervision and regulation of international banks and international private banking institutions in the Miami area, conducted extensive auditory reviews in the areas of BSA, compliance, loan, deposit, internal audit and operations, and participated in safety and soundness reviews, including operations, capital, management, earnings, liquidity, compliance and BSA. The geographic coverage covered South Florida and West Florida, and as far north as Vero Beach, Florida.
Javier also worked as Head of Compliance for several banks in South Florida. His responsibilities included oversight of overall BSA/AML function for banks with extensive international exposure in the areas of establishing monitoring systems and supervising the monitoring of all accounts and new account exceptions, amending BSA policies as needed for new products and services and regulatory changes, acting as liaison between bank and regulatory agencies, and successfully removing regulatory action for BSA/AML deficiencies, the latter for which he was brought in to resolve.
Javier’s experience includes ensuring proper monitoring of international private banking accounts within various banks which had a heavy exposure of clients from Central and South America, including Venezuela, Brazil, Panama, Colombia, Uruguay, Argentina, and the Caribbean.
Javier began his career at First Union National Bank in Miami, Florida, where he participated in the bank’s Management Training Program and served as an assistant branch manager/relationship manager before moving on to other institutions and gained valuable operational experience as a credit analyst and correspondent banking officer. Javier has also has investment experience, having held Series 6 and Series 7 investment licenses.
Education: BA Finance and International Business, Florida International University