Maria Cecilia Toribio
Binan City
Summary
Proficient Subject Matter Expert in anti-money laundering with experience handling and resolving critical transaction monitoring problems using research abilities. Strong analytical, organizational and planning abilities. Consistently able to work with minimum supervision. Independent and self-directed. Subject Matter Expert with more than 18 years of banking and finance experience.
Overview
20
20
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work History
Team Leader
TransferMate Global Payments
11.2022 - Current
- Set performance expectations for team, monitoring progress towards goals and providing constructive feedback as needed.
- Developed team members'' skills through targeted coaching sessions, resulting in improved individual performance.
- Enhanced team productivity by implementing efficient work processes and regularly reviewing performance metrics.
- Mentored junior staff members, helping them develop their leadership potential and advance in their careers.
- · Manage day to day operations of Asia Pacific team, assigning alerts and work load to each team member
- · Advise on risk based approach transaction monitoring
- · Oversee report generation on Australia and NZ regulators. Ensuring completeness, correctness and accuracy of reports.
- ·Empowered team members by delegating responsibilities according to individual strengths and areas of expertise.
- Evaluated team member performance against established objectives during regular reviews, offering praise for achievements or identifying areas requiring further development.
- Assisted in recruitment to build team of top performers.
Subject Matter Expert
ING Hub Philippines
09.2021 - 11.2022
- Act as point of escalation
- · Oversee end to end project management of transaction monitoring lookback execution
- · Advise on risk based approach in transaction monitoring
- · Provide detailed and comprehensive support/expertise to lookback remediations department of business by taking on responsibility for tasks of organizational, process or operational nature.
- Provides detailed and comprehensive support/expertise to 1 or more areas of business by taking on and being responsible for operational/process management tasks.
- · Analyze process related problems and suggest possible solutions/improvements.
- · Ensure knowledge of banking products and operational processes is captured and documented in work instructions and procedures.
- · Solve problems and act as point of escalation for complex/high risk issues/exceptions and decide upon measures/solutions.
- · Monitors performance and identify cause/effect relationships. Presents outcome of team performance in team meetings.
- · Understand service level agreements and ensure service delivery is compliant with agreed/developed SLA.
- · Identify improvement areas and develop practical improvement solutions for existing processes/procedures and work place instructions.
Assistant Manager- Investigation
HSBC
11.2020 - 9 2021
- · Review, investigate and escalate alerts generated by Surveillance system. This system is designed to identify breaches of internal policies surrounding information boundaries and individual behaviors that may signify
- potential risk to the company or it’s clients particularly that of Market abuse risk.
- · Daily, weekly and monthly monitoring tests to ensure that risks within Surveillance monitoring plan are mitigated
- · Identify improvements and assist on ongoing development of systems to improve efficiency in monitoring.
- · Maintain bank’s internal control standards, including the timely implementation of internal and external control audit points together with any issues with external regulators.
Quality Assurance Specialist
HSBC Global Private Banking
10.2018 - 10.2020
- · Generate reports on a monthly basis regarding process errors, provide analysis on gaps and recommend action plans to address opportunities in risk mitigation of alerts.
- · Strong understanding of regulations and industry leading practices in conducting transaction monitoring investigations.
- Act as Subject Matter
- Expert on procedures and typologies of money laundering.
- · Provide consistent training, coaching and feedback to team leaders and investigators on a regular basis with aim to either help improve quality performance or maintain PLA target in quality.
- · Resolve disputes on quality audits by providing in depth analysis of error
- · Facilitate training on procedure update and trends in money-laundering and financial crime as needed
- · Facilitate calibration sessions with investigators and team managers.
- · Train newly onboarded quality specialists to perform quality audits.
- · Perform adhocs and other performance related tasks to ensure PLA targets on performance are met.
- Conduct quality audit on a daily basis on complex transaction monitoring post investigation and ensure that potential risks of money laundering, tax evasion in alerts are addressed and mitigated.
- · Perform quality checks on multiple jurisdictions ( UK and Channel Islands)
- · Ensure cases with suspicious client activity is reported or escalated
- · Ensure that narratives are well written. Ensure that investigator have presented outcome of investigation and analysis clearly to arrive in conclusion to close case.
- · Document findings and provide constructive feedback in narrative audited and present it to investigator. Findings provided should be clear on what went wrong with investigation and things that could have been done differently.
Transaction Monitoring Investigator
HSBC Private Bank
02.2017 - 09.2018
- Documented findings and prepared detailed reports.
- Analyze private bank transactions and ensure that client activities are in line with customer's declared account purpose, source of wealth and expected activity
- Investigate on transactions that triggered detection alerts
- Address and mitigate risks associated with detection scenarios such as money laundering and tax evasion through narrative writing
- Mitigate counter party risks through external research and use of tools such World Check and Lexis Nexis
- Create recommendation to close alert or escalate transactions based on overall outcome of investigation
- Perform ADHOCS such as employee engagement activities.
- Collected, analyzed and interpreted information, documentation, and evidence associated with investigations.
Quality Analyst
Retail Banking and Wealth Management, HSBC
09.2010 - 01.2017
- Audit team manager call monitors on agent interactions based on prescribed quality platform
- Analyze and prepare reports on team manager quality audit variance to upper management
- Provide recommendations and action plans to address opportunities in team manager variance and agent call interactions
- Act as subject matter expert on procedures and drive positive customer experience
- Assist in staff selection and recruitment
- Perform management tasks such as addressing attrition, employee development and engagement, risk management, capacity management and training
- Provide coaching and feedback to team leaders with opportunities in quality performance
- Assist in triad sessions to ensure proper coaching is delivered to difficult advisors
- Train high potential advisors to become next team manager/quality analyst and perform monthly performance reviews.
- Created and revised procedures, checklists and job aids to reduce errors.
- Promoted collaborative approach to problem-solving, leveraging team strengths to address complex quality challenges.
Short Term Assignment, Cards Management
RBWM, HSBC Bank
09.2015 - 01.2016
- · Assist in Vendor Management of couriers and ensure customer credit cards are delivered in timely manner.
- · Create dispatch report, monitor sent and return to sender cards.
- · Created filing system to easily track returned cards and ensure that returned cards are recorded for safe keeping
- · Generate reports and upload completion reports on system
- · Assisted in migration of customer cards to chip and pin cards
Short Term Assignment, KYC (Know Your Customer)
HSBC Bank
08.2014 - 12.2014
- Assist in reviewing customer profiles and update customer information held in internal system
- Coordinate with relationship managers to request for additional documentation from clients who have insufficient information on file which include source of wealth, beneficial ownership, country of incorporation/exposure etc.
- Screen clients for negative news particularly on issues that are linked to money-laundering, tax evasion, corruption and bribery through use of tools such as World Check.
Quality Assurance Analyst
HSBC Global Service Center
07.2008 - 07.2009
- · Review agent interactions with customers for Consumer Lending non real estate customers
- · Attend and facilitate calibration sessions with team leads and senior management.
- · Conduct trainings and huddle sessions to collection agents.
- Maintained comprehensive knowledge of relevant industry regulations and standards, ensuring compliance throughout the QA process.
Process Executive
HSBC Electronic Data Processing Inc
07.2004 - 07.2008
- · Answer inquiries of customers regarding their credit card with HSBC USA.
- · Handle billing disputes
- · Upsell HSBC products and services
- Answered telephone or online requests and completed interactions quickly to meet productivity goals.
Education
BS Office Administration -
Philippine Christian University-ETEEAP
Dasmarinas, Cavite 09.2022 - 05.2023
Communication
AMA Computer College
Binan, Laguna 06.1997 - 03.2002
Skills
Banking and financial services background
Strong communication skills
Proficient in MS Office
Detail-oriented
Staff training and development
People Management
Coaching
Performance Evaluations
Sanctions Screening
Anti-Money Laundering
Alert Management
Decision-Making
Risk Mitigation
Certificatesandlicenses
- Sanctions Foundation, ACAMS, September 2022
- AML Foundations, ACAMS, October 2022
- Certified Transaction Monitoring Associate, ACAMS, November 2022
Training
- Behavioral Coaching Training
- Handling difficult conversations Training
- Leadership and Management Principles
- Lean Sigma and Yellow Belt Training
- Selection and Recruitment Training
- Empathy Benchmarking
- Terrorism Financing, ACAMS Webinar
Certification
Certified Transaction Monitoring Associate, ACAMS
Timeline
Team Leader
TransferMate Global Payments
11.2022 - Current
BS Office Administration -
Philippine Christian University-ETEEAP
09.2022 - 05.2023
Subject Matter Expert
ING Hub Philippines
09.2021 - 11.2022
Assistant Manager- Investigation
HSBC
11.2020 - 9 2021
Quality Assurance Specialist
HSBC Global Private Banking
10.2018 - 10.2020
Transaction Monitoring Investigator
HSBC Private Bank
02.2017 - 09.2018
Short Term Assignment, Cards Management
RBWM, HSBC Bank
09.2015 - 01.2016
Short Term Assignment, KYC (Know Your Customer)
HSBC Bank
08.2014 - 12.2014
Quality Analyst
Retail Banking and Wealth Management, HSBC
09.2010 - 01.2017
Quality Assurance Analyst
HSBC Global Service Center
07.2008 - 07.2009
Process Executive
HSBC Electronic Data Processing Inc
07.2004 - 07.2008
Communication
AMA Computer College
06.1997 - 03.2002
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