Banco Santander Puerto Rico
Industry: Bank
DescriptionFounded: 1972 Subsidiaries: Santander Insurance Agency, Inc., Parent organization: SANTANDER BANCORP
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Banco Santander Puerto Rico Employees
Hospital San Antonio Inc. July 2015 - Present
E&E Web design September 2010 - Present
TeleMedik / MMM Multihealth March 2015 - June 2015
Banco Santander Puerto Rico March 2008 - November 2014
Universidad de Puerto Rico, Recinto Universitario de Mayagüez August 2002 - May 2007
Skills
Microsoft Office, Credit, Banking, Commercial Banking, Credit Cards, Credit Risk, Risk Management, Financial Analysis, Financial Risk, Retail Banking, Customer Service, Web Design, Social Media, Dreamweaver, Social Networking, Call Centers, Teamwork, Process Improvement, Microsoft Excel
Education
University of Puerto Rico-Mayaguez 2001 — 2007
Bachelor's degree, Sociology
University of Puerto Rico-Mayaguez 2001 — 2007
Minor, Computer/Information Technology Administration and Management
Banco Santander Puerto Rico March 2006 - Present
Island Finance November 1989 - May 2005
Skills
Objective- people an..., Communications -- Good..., Interpersonal Skills --..., Customer Service, Personnel Management, Business Strategy, Delivering Results, Business Planning, Risk Management, Strategy, Banking, Business Development, Team Management, Strategic Planning, Portfolio Management, Banca, Estrategia, Estrategia empresarial, Finanzas, Gestión de cartera de..., Liderazgo de equipos, Mejora de procesos, Plan de negocio, Planificación..., Servicio de atención al..., Administración y..., Análisis financiero, Desarrollo empresarial, Gestión de riesgos, Riesgo de crédito, Financial Analysis, Credit Risk, Management, Credit, Finance, Team Leadership, Financial Risk, Leadership, Loans, Credit Analysis, Créditos, Análisis de crédito, Liderazgo, Riesgo financiero, Préstamos, Retail Banking, Commercial Banking, Corporate Finance, Microsoft Office, Business Analysis
Education
University of Phoenix-Puerto Rico Campus 2010 — 2012
Master of Business Administration (MBA), Global Management / International Business
Universidad de Puerto Rico 1988 — 1995
Bachelor of Business Administration (BBA), General Sales, Merchandising and Related Marketing Operations
Tropigas de Puerto Rico, Inc. December 2014 - Present
Tropigas de Puerto Rico, Inc. February 2013 - December 2014
H. A. Vina & Associates February 2011 - January 2013
Banco Santander Puerto Rico April 2010 - February 2011
Skills
Strategic Planning, Management, Finance, Mergers, Financial Analysis, Risk Management, Portfolio Management, Budgets, Negotiation, Business Strategy, Contract Negotiation, New Business Development, Team Building, Analysis, Leadership
Education
Boston College 1976 — 1980
Bachelor of Science (BS) in Business Administration, Finance and Marketing
Banco Santander January 2013 - Present
Banco Santander Puerto Rico August 2009 - January 2013
Education
University of Puerto Rico-Cayey 1990 — 1996
Bachelor of Business Administration (BBA), Accounting and Business/Management
University of Massachusetts, Amherst 1992 — 1993
Bachelor of Business Administration (BBA), Accounting
R&R Real Estate December 2014 - Present
FaceBank International January 2013 - Present
FaceBank International December 2010 - December 2012
Caracas International Banking Corp June 2007 - July 2010
Doral Bank March 2004 - June 2006
Banco Santander Puerto Rico August 2001 - February 2004
Skills
Banking, Customer Service, Analysis, Management, Budgets, Training, Financial Analysis, Credit, Human Resources, Credit Cards, Customer Satisfaction, Leadership, Retail Banking, Commercial Banking, Risk Management, Operations Management, Finance, Software Documentation, Microsoft Excel, Loans, Private Banking, Business Analysis, Customer Experience, OFAC, Real Estate, Real Estate Transactions, Real Estate Financing, Real Estate License, Commercial Real Estate
Education
Disney Institute 2014 — 2014
Disney's Approach to Quality Service
Luis Nieves Institute of Real Estate 2014 — 2014
Real Estate Broker, Real Estate
Universidad Metropolitana 2005 — 2007
Master of Business Administration (MBA), Finance, 3.42 GPA
Universidad de Puerto Rico 1992 — 1997
Bachelor of Business Administration (BBA), Business Administration and Management, CUM LAUDE
Ana J Candelas 1990 — 1992
Solaris Energy Solutions Inc. November 2014 - Present
PR Supplies October 2014 - October 2014
Banco Santander Puerto Rico May 2014 - August 2014
Museo de Arte de Puerto Rico April 2013 - July 2013
Skills
Data Entry, Microsoft Word, Team Work, Customer Service, Microsoft Office, Spanish, Microsoft Excel, Museum Collections, PowerPoint, Research, Museums, English, Culture, Teamwork, Outlook, Close Attention to..., AS400 Administration, Accounts Payable, Invoice Processing, Invoice Verification
Education
Universidad del Turabo 2015 — 2017
Master of Business Administration (M.B.A.), Project Management
Universidad del Turabo 2009 — 2014
Bachelor's degree, Accounting, GPA 3.85
Synchrony Financial December 2008 - Present
Banco Santander Puerto Rico June 2006 - November 2008
Skills
Customer Relations, Banking, Customer Service, Compliance, Team Leadership, Teamwork, Operations Expertise, Accounting, Credit, Retail Banking, Portfolio Management, Call Centers, Customer Experience, Time Management, Outlook, Finance, Loans, Spanish, PowerPoint, Leadership, Team Building, Coaching, Microsoft Office, Public Speaking, Research, Microsoft Excel, Management
Education
Liceo de Arte y Tecnologia 2014 — 2015
Electrician, Electricity and renewable energy
Liceo de Arte y Tecnologia 2014 — 2015
Electricidad y Energía Renovable, Electricty and Renewable energy
Universidad de Puerto Rico-Recinto Aguadilla 2000 — 2005
Associate's degree, Social Psychology
Colegio San Antonio de Pauda 1987 — 2000
High School Diploma
Citi June 2008 - Present
UBS Home Finance November 2006 - December 2007
R-G Crown Bank (acquired by Fifth Third Bancorp) March 2006 - November 2006
UBS Investment Bank December 2000 - March 2006
Telekurs Financial April 1999 - December 2000
Macy's East June 1998 - April 1999
Banco Santander Puerto Rico May 1997 - August 1997
Education
University of Bridgeport 2000 — 2003
MBA, Master in Business Administration
University of Bridgeport 1994 — 1999
BS, International Business
Colegio San Agustin 1980 — 1994
HS Diploma
AEELA June 2014 - Present
Puerto Rico Governor's Office June 2013 - 2013
Brenda Marrero & Associates/DDM Professional Leasing Services Inc 2012 - 2013
Outsourcing Solutions, Inc August 2011 - June 2012
Banco Santander Puerto Rico January 2011 - June 2011
Departamento de la Familia August 2007 - February 2009
Clinica Borinquen Medical Plaza January 2007 - August 2007
Junta de Relaciones del Trabajo de Puerto Rico January 2007 - May 2007
Skills
Social Media, Research, Public Relations, Public Speaking, Microsoft Office, Fundraising, Event Planning, Non-profits, Microsoft Excel, Public Policy, Editing, PowerPoint, Event Management, Employee Relations, Employee Benefits, Employment Law, Employee Handbooks, Employee Training, Employee Surveys, Labor Relations, Conciliation, Negotiation, Adquisición de talento, Empresa de trabajo..., Formación de empleados, Gestión del rendimiento..., Gestión del talento..., HR Policies, Organizational..., Políticas de recursos..., Prestaciones laborales, Recruiting, Recursos humanos, Relaciones con los..., Relaciones laborales, Selección de personal, Temporary Placement
Education
University of Puerto Rico School of Law 2015 — 2019
Doctor of Law (J.D.)
Universidad de Puerto Rico-Recinto de Rio Piedras 2007 — 2013
Maestria, Administración Pública, 3.89
Instituto de Educación Superior en Administración de Recursos Humanos y Relaciones Laborales 2011 — 2012
Certificación en Administración de Recursos Humanos y Relaciones Laborales, Human Resources Management/Personnel Administration, General
Universidad de Puerto Rico- Recinto de Rio Piedras 2003 — 2007
Bachillerato, Relaciones Laborales, 3.56
Banco Santander Puerto Rico January 2010 - Present
Banco Santander July 1996 - January 2009
Skills
Banking, Financial Analysis, Payroll, Corporate Finance, Internal Controls, Process Improvement, Risk Management, Investments, Strategic Planning, Capital Markets, Microsoft Excel, Financial Reporting, Customer Service, Change Management, Sarbanes-Oxley Act, Fixed Income, Human Resources, Budgets
Education
Universidad de Puerto Rico 1975 — 1979
BBA, Accounting
Banesco Usa March 2015 - Present
Alta Resources October 2014 - Present
O3 Hygienics August 2012 - Present
Banco Santander Puerto Rico July 2009 - November 2010
Santander Bank, N.A. - Venezuela April 2008 - July 2009
Santander Bank, N.A. - Venezuela January 2007 - April 2008
Santander Bank, N.A. - Venezuela 2003 - 2007
Santander Bank, N.A. January 1999 - August 2003
Construcentro - Corimon January 1996 - December 1999
CORIMON 1990 - 1999
Skills
Strategic Thinking, People Skills, Project Execution, Project Management, Strategy, Leadership, Business Strategy, Process Improvement, Human Resources, Product Development, Team Leadership, Organizational..., Management, Business Planning, Strategic Planning, Team Building, Management Consulting, Team Management, Teamwork, Latin America, Talent Management, Mergers & Acquisitions, Financial Analysis, Performance Management, Finance, Banking, Change Management, Marketing Strategy, Negotiation, New Business Development, English, Risk Management, Marketing, Market Research, Business Development, Analysis, Business Analysis, Project Planning, Spanish
Education
Hodges University 2013 — 2015
Master of Accountancy
Hodges University 2011 — 2012
Master of Science in, Management
IESA 1988 — 1990
Master, Business and Administration
USB 1979 — 1985
Engineer's Degree, Electronic Engineering
Humboldt Schule 1975 — 1979
High School, Diploma
Scotiabank March 2015 - Present
Banco Santander Puerto Rico June 2006 - December 2014
Skills
Microsoft Excel, Microsoft Office, Management, Microsoft Word, Business Analysis, Risk Management, Financial Analysis, Finance, Banking, PowerPoint, Retail Banking
Education
University of Puerto Rico-Rio Piedras 2002 — 2007
Bachelor of Business Administration (B.B.A.), Accounting, Honor
Banco Santander Puerto Rico May 2015 - Present
Italbank International May 2010 - May 2015
UPR-DECEP June 2008 - December 2009
Skills
Accounting, Account Reconciliation, Financial Reporting, Journal Entries, QuickBooks, Peachtree, Expenses, Analytical Skills, Learning Quickly, Close Attention to..., Microsoft Excel, Microsoft Word, PowerPoint, Balance Sheet, General Ledger, Internal Audit, Cash Flow, Financial Accounting, Problem Solving, Time & Attendance, Driven By Results, US GAAP, IFRS, Accruals, Fixed Asset Management, Overdrafts, SWIFT messages, Computer Hardware, Bank Reconciliation, Accounting Applications, Year-end Close, External Audit, Financial Statements, Depreciation, Variance Analysis, Accounts Receivable, Accounts Payable, Software Documentation, Cash, Cash Flow Forecasting, Cash Management, Monthly Close, Bookkeeping, G/L Reconciliations, Financial Statement..., Revenue Recognition, Monthly Closing, Financial Audits, Financial Analysis, Financial Services
Education
University of Puerto Rico-Rio Piedras 2005 — 2009
Bachelor of Business Administration (BBA), Accounting and Finance, 3.75 GPA
Banco Santander Puerto Rico February 2014 - Present
Banco Santander Puerto Rico December 2012 - February 2014
Banco Santander Puerto Rico April 2009 - December 2012
Banco Santander Brasil February 2008 - April 2009
Skills
Banco, Banking, Portfolio Management, MIS, Loans, Produtos, Product Management, Provision, ALLL, Risk Management, Crédito, Credit Risk
Education
IE Business School - Madri 2010 — 2011
Programa Superior de Riesgos
Ibmec Business School 2005 — 2007
MBA Executivo
Ibmec Business School 2000 — 2001
Finanças (In Company - Santander)
Universidade Mackenzie 1995 — 1998
Administração de Empresas
EVERTEC January 2014 - September 2015
EVERTEC October 2012 - December 2013
EVERTEC June 2009 - September 2012
EVERTEC January 2007 - June 2009
EVERTEC April 2004 - December 2006
Banco Popular de Puerto Rico April 2001 - March 2004
Banco Santander Puerto Rico April 1998 - April 2001
Banco Santander Puerto Rico November 1994 - April 1998
Banco Santander Puerto Rico (previously Santander National and Bayamón Federal) August 1979 - November 1994
Skills
Contract Management, Software Asset..., Vendor Management, Negotiation, ITIL, Project Management, Management, IT Strategy, IT Management, Leadership, IT Service Management, Microsoft Technologies, Strategy, Business Analysis, Citrix, System Administration, Active Directory, IT Audit, Information Technology, Troubleshooting, Risk Management, Business Continuity, Cloud Computing, Network Security, Governance, Security, Disaster Recovery, Software Documentation, Networking, Telecommunications
Education
Microsoft Certified Technical Specialist 2010 — 2010
Volume Licensing Large Organization & Software Asset Management
Microsoft Certified Professional 2006 — 2007
Volume Licensing for Large Organizations and Software Asset Management
University of Puerto Rico-Mayaguez 1973 — 1977
Bachelor’s Degree, Cum laude
ITSMF Certification
Scotiabank May 2011 - Present
FirstBank Puerto Rico July 2004 - May 2011
Banco Santander July 2000 - July 2004
Citi 1998 - 2000
Banco Santander Puerto Rico 1989 - 1998
Skills
Public Finance, Workout, Commercial Banking, Retail Banking, Financial Accounting, Credit Risk, Credit Analysis, Corporate Finance, Banking, Financial Institutions, Management, Loans, Portfolio Management, Financial Risk, Investments, Finance, Commercial Lending, Small Business Lending, Credit, Lines Of Credit, Financial Structuring, Restructuring, Cash Management, Capital Markets, Commercial Mortgages, Treasury Management, Structured Finance, Financial Analysis, Asset Based Lending, Due Diligence, Loan Origination, Relationship Management, Syndications, Trade Finance, Mortgage Lending, Consumer Lending, Cross Selling, Financial Modeling, Investment Banking, Risk Management, Strategic Financial..., Wealth Management, Bonds, Branch Banking, Derivatives, Fixed Income, Mergers & Acquisitions, Securities, Valuation
Education
Pontificia Universidad Católica de Puerto Rico 1994 — 1997
Master of Business Administration (MBA), Accounting
University of New Haven 1985 — 1987
Bachelor of Science (B.S.), Finance, General
West Texas National Bank September 2014 - Present
The RWC Group 2014 - 2015
The RWC Group 2014 - 2015
Lone Star National Bank April 2013 - August 2014
JPMorgan Chase September 2012 - April 2013
BBVAPR December 2011 - June 2012
BBVAPR June 2008 - October 2011
Scotiabank PR June 2005 - June 2008
Doral Financial Corporation September 2000 - June 2005
Banco Santander Puerto Rico 1992 - 2000
Skills
BSA AML OFAC, Risk Assessments, Look Back Exercise, ACL, Access, Microsoft Excel, Assist//ck, BSA Prime Reporter, On Line Trainings, Web Page Designer, Outlook, Microsoft Office, Bank Secrecy Act, Internal Audit, Operational Risk..., Operational Risk, AML, Accounting, Analysis, Business Analysis, Risk Analysis, Due Diligence, Banking, Project Management, Access Lists, Risk Assessment, Captivate, Risk Management, Portfolio Management, Anti Money Laundering, Financial Analysis, Financial Risk, Financial Services, Loans, Management
Education
Universidad Central de Bayamón 1988 — 1992
Bachelor of Business Administration (BBA), Accounting, Cum Laude
Banco Santander Puerto Rico August 2015 - Present
Banco Santander Puerto Rico August 2014 - Present
Banco Santander Puerto Rico March 2009 - August 2014
SeatonCorp October 2008 - March 2009
Israel Roldan Law Offices October 2003 - September 2008
Skills
Corporate Law, Appeals, Contract Negotiation, Litigation, Employment Law, Intellectual Property, Banking, Privacy Law, Legal Advice, Commercial Litigation, Mergers & Acquisitions, Corporate Governance, Licensing, Finance, Legal Assistance
Education
University of Miami - School of Business 2012 — 2013
Executive Education Program
Loyola University Chicago School of Law 2007 — 2008
Master in Law (LLM), Master in Law in Business and Corporate Governance Law
Pontifical Catholic University of Puerto Rico, School of Law 2000 — 2003
JD, Legal
Universidad de Puerto Rico, Mayaguez Campus 1996 — 2000
BBA, Human Resources
Banco Santander Puerto Rico August 2012 - August 2013
E.A.R; INC January 2004 - August 2013
Skills
Servicio de atención al..., Microsoft Word, Microsoft PowerPoint, Tarjetas de crédito, Ventas, Trabajo en equipo, Gestión y motivación de...
Education
Universidad del Sagrado Corazón 2011 — 2015
Universidad de Puerto Rico 2007 — 2010
IBM November 2014 - Present
Eco-Bottles Corp. February 2012 - May 2015
Banco Santander Puerto Rico February 2014 - October 2014
Puerto Rico Department of Treasury 2010 - 2012
Skills
Market Research, Marketing Strategy, Social Media Marketing, Social Media, Events Coordination, Team Building, Competitive Analysis, Product Marketing, Market Planning, Brand Management, Trade Shows, Marketing Research, Marketing Communications, Sales Presentations
Education
Inter-American University of Puerto Rico-Metropolitan Campus 2012 — 2014
Master of Business Administration (M.B.A.), Marketing with a minor in Human Resources
Universidad del Sagrado Corazón
Bachelor of Business Administration (B.B.A.), Marketing
Colegio del Espiritu Santo
Iglesia Casa de Restauración y Avivamiento Int. December 2006 - Present
Grady Health System April 2003 - January 2005
Banco Santander Puerto Rico April 1993 - January 1997
Banco Popular de Puerto Rico January 1976 - April 1991
Education
Universidad del Sagrado Corazón 1977 — 1980
BBA
Santander Bank, N.A. April 2014 - Present
Banco Santander Puerto Rico January 2011 - April 2014
First BanCorp August 2008 - December 2010
C Integrated Business Group September 2007 - August 2008
Education
Universidad del Sagrado Corazón 2004 — 2007
BBA
Universidad de Cadiz 1998 — 2002
López Rodríguez & Montalvo Palerm June 2015 - Present
Sepulvado & Maldonado, PSC March 2013 - June 2015
UPR Legal Aid Clinic- Immigration Law August 2011 - May 2012
Operating Partners Co., LLC. June 2009 - April 2012
Royal Caribbean Cruise Lines June 2007 - September 2009
Office of The Commisioner of the Insurance of Puerto Rico June 2008 - August 2008
Banco Santander Puerto Rico June 2007 - July 2007
Skills
Financial Analysis, Due Diligence, Legal Writing, Legal Research, Commercial Litigation, Notary Public, Public Finance, Public Policy, Policy Analysis, Government, Social Media, Mortgage Law, Property Law, Corporate Law, Civil Litigation, Employment Law, Secured Transactions, Westlaw, Lexis, WordPress, Microsoft Excel, Litigation, Legal Assistance, Microsoft Office
Education
University of Puerto Rico 2009 — 2012
JD, Law
Universitat de Barcelona 2010 — 2010
Summer Law Program, Law
University of Puerto Rico 2005 — 2009
BBA, Finance
Colegio Nuestra Señora de La Merced 1992 — 2005
High School Diploma
Banco Santander Puerto Rico April 2013 - Present
Banco Santander Puerto Rico April 2013 - Present
Skills
Business Analysis, Creative Strategy, Product Development, Process Improvement, Teaching Adults, Computer Proficiency, Self Management, Credit Risk, Risk Management, Strategic Planning
Education
Interamerican University of Puerto Rico 1989 — 1996
Master of Business Administration (MBA), Finance and Financial Management Services
St. Francis University 1984 — 1988
Bachelor of Business Administration (BBA), Finance and Financial Management Services
CPM North America May 2015 - Present
Parsons Brinckerhoff March 2013 - April 2015
Puerto Rico Public-Private Partnerships Authority September 2009 - March 2013
Government Development Bank for Puerto Rico January 2009 - September 2009
Santander Securities September 2007 - January 2009
Banco Santander Puerto Rico July 2005 - September 2007
Skills
Financial Analysis, Economics, Leadership, Capital Markets, Public Policy, Valuation, Corporate Finance, Infrastructure, PPPs, Project Finance
Education
Florida State University 1998 — 2000
Master of Science, Urban and Regional Planning
West Virginia University 1994 — 1998
Bachelors of Arts, Economics and International Affiars (double major)
University of Puerto Rico, Río Piedras August 2015 - Present
McConnell Valdés LLC June 2015 - August 2015
McConnell Valdés LLC June 2014 - August 2014
Banco Santander Puerto Rico March 2014 - May 2014
Merrill Lynch November 2013 - March 2014
BDO Puerto Rico, P.S.C. June 2013 - August 2013
Skills
Investments, Commercial Banking, Investment Banking, Capital Markets, Wealth Management, Financial Analysis, Corporate Finance, Cold Calling, Bloomberg, Portfolio Management, Banking, Equities, Derivatives, Bookkeeping, Finance, LIBOR, Lines Of Credit, Cash Management, Social Networking, Pipelines, Credit, Fixed Income, Bonds, Loans, Securities, Mutual Funds, Financial Markets, Equity Research, Microsoft Office, Microsoft Excel, Microsoft Word, PowerPoint, Teamwork, Leadership, Research, Spanish, Social Media
Education
University of Puerto Rico School of Law 2014 — 2017
Doctor of Law (JD), Law, 3.9
Inter-American University of Puerto Rico-Metropolitan Campus 2011 — 2014
Bachelor of Business Administration (BBA), Accounting and Finance, 3.87
Colegio san antonio 2010 — 2011
High School, Regular/General High School/Secondary Diploma Program, High School GPA:3.77
Banco Santander Puerto Rico February 2014 - Present
Star marketing Network January 2013 - April 2014
Elizabeth Arden November 2013 - January 2014
GFR Media September 2012 - November 2013
Très Epic April 2013 - August 2013
Stereograph Media October 2012 - January 2013
Kellogg Company July 2011 - 2013
Skills
Microsoft Office, Oral Communication, Advertising, Adobe Creative Suite, Fashion Design, Social Media, Promotions, Sales Promotion, Training, Communication Skills, Windows, Social Media Marketing, Online Advertising, Digital Marketing, Marketing Communications, Direct Marketing, Marketing Strategy, Marketing, Brand Development, Integrated Marketing, Online Marketing, Media Planning, Social Networking
Education
Universidad del Sagrado Corazón 2012 — 2015
Bachelor of Arts (B.A.), Advertising, 3.80
Universidad de Puerto Rico 2010 — 2011
Bachelor of Science (BS), Microbiology, General
Gustazos.com December 2012 - Present
Gustazos.com March 2011 - December 2012
Cliff Drysdale Tennis June 2010 - February 2011
Banco Santander Puerto Rico May 2009 - July 2009
Education
Duquesne University 2006 — 2010
Bachelor of Business Administration (BBA), Finance, General
Colegio San Ignacio 2000 — 2006
Scotiabank de Puerto Rico January 2006 - Present
Oriental Bank & Trust May 2004 - January 2006
Banco Santander Puerto Rico April 2001 - May 2004
Westernbank January 1999 - April 2001
Scotiabank de Puerto Rico June 1995 - January 1999
Skills
Risk Management, Risk Assessment, Credit Risk, Financial Risk, Retail Banking, Commercial Banking, Syndications, Trade Finance, Cash Flow, Cash Management, Corporate Finance, Structured Finance, Interest Rate...
Education
University of Puerto Rico-Mayaguez 1990 — 1995
Bachelor of Business Administration (BBA), Accounting and Finance, Magna Cum Laude Honor and Highest Distinction in Finance
Banco Santander Puerto Rico September 2012 - Present
Banco Santander Puerto Rico November 2011 - September 2012
Grupo Santander Brasil October 2010 - October 2011
Banco Santander January 2010 - October 2010
Grupo Santander 2009 - 2010
Banco Santander 2006 - 2009
Liberty Seguros Colombia January 2005 - December 2005
Colpatria August 2002 - January 2005
Skills
Credit Risk, Credit Scoring, Risk Management, Credit, Basel II, Banking, Portfolio Management, SAS, Project Coordination, Product Strategy, Financial Risk, Risk Models, Product Development
Education
IE Business School
Advanced Risk Program, Business Administration and Management, General
University of Miami 2012 — 2013
Human Resources Management/Personnel Administration, General
Fundação Getulio Vargas 2011 — 2011
Business Administration and Management, General
Universidad Nacional de Colombia 1997 — 2002
BS, Statistics
Puma Energy August 2012 - Present
Snelling Staffing Services 2008 - Present
Value Advisory Group, LLC April 2008 - August 2012
QBS January 2008 - October 2008
Doral Financial Corporation December 2006 - January 2008
CitiFinancial May 2004 - December 2006
Banco Santander Puerto Rico February 1992 - January 2001
Education
University of Wisconsin-Madison - School of Business 1989 — 1991
Financial Management and Control
Universidad de Puerto Rico 1980 — 1984
BBA, Finance
Colegio Bautista de Carolina 1968 — 1981
High School
Fidelity Information Systems September 2008 - Present
Reliance Trust Company April 2006 - September 2007
Assurant Solutions March 2005 - April 2006
Skylight Financial March 2003 - August 2004
SunGard Asset Management Systems July 1997 - November 2002
Banco Santander Puerto Rico September 1991 - July 1997
Banco Popular of Puerto Rico / Trust Division January 1988 - September 1991
Skills
Accounting, Project Management, Access, Account Reconciliation, Process Improvement, Financial Services, Business Analysis, Financial Analysis, Banking, 401k, Cash Management, Strategic Planning, Risk Management, Financial Reporting, Securities, Training, Security
Education
University of Puerto Rico 1975 — 1978
Bachelor
University of Puerto Rico 1975 — 1978
Bachelor of Business Administration (BBA)
Cedrela Consulting Group March 2015 - Present
Doral Bank May 2013 - February 2015
Doral Bank November 2007 - May 2013
Banco Santander Puerto Rico November 2005 - November 2007
EuroBank November 2004 - November 2005
PwC 2002 - 2004
Skills
Internal Controls, Financial Analysis, Accounting, Due Diligence, Budgets, Team Building, Performance Improvement, Finance Transformation, Financial Accounting, Sarbanes-Oxley, Auditing, Financial Reporting, Sarbanes-Oxley Act, Enterprise Risk..., Strategic Financial..., Internal Audit, Banking, IT Audit, Forecasting, Risk Management, US GAAP, Managerial Finance, Financial Audits, Financial Planning, Finance
Education
Harvard Business School 2014 — 2014
Authentic Leadership Development Program 2014, Leadership
University of Puerto Rico 1999 — 2003
CPA, Accounting and Finance, 3.92 GPA
Banco Santander Puerto Rico July 2014 - Present
Oriental July 2012 - July 2014
Oriental December 2006 - July 2012
Skills
Business Analysis, Banking, Risk Management, Credit Risk, Credit Analysis, Portfolio Management, Delinquency Management, Executive Reporting, Financial Analysis, Financial Modeling, Financial Accounting, Financial Reporting, Financial Forecasting, Management Accounting, Regression Models, Scenario Analysis, Stress Testing, Data Analysis, Business Objects, Microsoft Excel Expert, Pivot Tables, Problem Solving, Algorithm Design, C++, SQL, Research, Finance, Bloomberg Terminal, Microsoft Excel, Credit, Analysis, Financial Risk, Risk Analysis, Budgets, Forecasting, Investments
Education
University of Puerto Rico-Mayaguez 2000 — 2005
BS, Mathematics in Computer Science
Droguería Betances September 2012 - Present
Universia Puerto Rico January 2011 - December 2012
Banco Santander Puerto Rico July 2010 - December 2010
Integra Communications January 2006 - June 2009
Skills
Social Media, Blogging, Press Releases, Media Relations, Social Media Marketing, Public Relations, Marketing, Strategic Communications, Spanish, Social Networking, Nonprofits, Facebook, Copywriting, Public Speaking, Fundraising, Photography, Newsletters, Editing, Advertising, Email Marketing, Community Outreach, Marketing Communications, News Writing, Marketing Strategy, Online Marketing, New Media, Integrated Marketing, Internal Communications, Journalism, Newspapers, Event Management, Event Planning, Digital Media, Corporate Communications, Web Content, Copy Editing, Market Research, Publicity, Research, Online Advertising, Brand Development, Publishing, Creative Writing, Video Production, Proofreading, WordPress, Google Analytics, Digital Marketing
Education
Universidad del Sagrado Corazón 2009 — 2016
Master, Public Relations
Universidad del Sagrado Corazón 2000 — 2003
Bachelor, Telecommunications
Universidad de Puerto Rico recinto de Humacao 1997 — 2000
Associate Degree, Audiovisual Communications
FirstBank Puerto Rico May 2005 - Present
Banco Santander Puerto Rico January 2001 - May 2005
Banco Popular de Puerto Rico January 1991 - January 2001
Skills
Credit, Underwriting, Credit Analysis, Banking, Corporate Finance, Structured Finance, Risk Management, Customer Relations, Forecasting, Portfolio Management, Financial Analysis, Budgeting, Customer Service, Microsoft Office, Cash Management, Treasury Management, Due Diligence, Negotiation, Lines Of Credit, Problem Solving, Commercial Banking, Loans, Commercial Lending, Financial Structuring, Budgets, Credit Risk, Commercial Mortgages
Education
University of Puerto Rico-Rio Piedras
Business Administration, Finance
Farmacias Caridad November 2013 - Present
Planificación, Cartografía & GIS, Inc. January 2013 - Present
Self Employed Tax Specialist February 2011 - Present
Integration Technologies Corp. (Intech) May 2013 - November 2013
enVision Technologies August 2011 - February 2013
enVision Technologies January 2009 - July 2011
enVision Technologies August 2006 - December 2008
enVision Technologies June 2006 - July 2006
enVision Technologies December 2004 - May 2006
Banco Santander Puerto Rico June 2004 - July 2004
Skills
Tax Preparation, Visio, Visual Basic, Traverse, Budgets, Management, Auditing, Financial Reporting, Accounting, Teamwork, Access, Project Management, Team Leadership, Tax, Process Improvement, Finance, Microsoft Office, Financial Analysis, Nonprofits, Forecasting, Analysis, Organizational..., Internal Controls, Managerial Finance, Banking, Risk Management, Fundraising, Government, Financial Modeling, Data Analysis, QuickBooks, Peachtree, Administration, Accounts Payable, Time Management, Spanish, Microsoft Excel, Sales, Negotiation, Payroll, Leadership, Corporate Finance
Education
University of Puerto Rico - Rio Piedras Campus 2009 — 2013
MBA, Business Finance
University of Puerto Rico-Bayamon 2006 — 2006
Accounting
University of Puerto Rico - Rio Piedras Campus 2001 — 2006
BBA, Computer Information Systems, Accounting
KIS Digital February 2015 - Present
Banco Santander Puerto Rico 2011 - 2014
Skills
English, Photoshop, Teamwork, Social Networking, Blogging, Advertising, Photography, Social Media, Online Advertising, Brand Development, Creative Direction, Integrated Marketing
Education
Universidad del Sagrado Corazón 2014 — 2016
Master’s Degree, Advertising
Universidad del Sagrado Corazón
Bachelor's degree, Psychology
Banco Santander Puerto Rico July 2015 - Present
Cooperativa de Seguros Multiples August 2013 - Present
Open Mobile PR 2008 - 2012
Sprint December 2004 - May 2007
Skills
Direct Sales, Leadership, Training, Customer Service, Human Resources, Management, Business Development, Sales Management, Coordinating Events, Business Strategy, Hiring, Marketing Strategy, Branding & Identity, Compliance, Business Administration, Customer Relations, Operations Management, Payroll, Team Building, Contract Negotiation, Vendor Management, Team Leadership, Leadership Development, Negotiation, Coaching, Process Improvement, Performance Management, Employee Benefits, Sales, Telecommunications, Account Management, Wireless, Customer Satisfaction, Cold Calling, Mobile Devices, Microsoft Office, PowerPoint, Strategic Planning, Product Management, Marketing, Teamwork, Strategy
Education
Universidad del Turabo 2010 — 2012
MBA,Business Administration, Human Resources
Universidad del Turabo 2000 — 2004
Bachelor in Business Administration, Management
PwC January 2015 - May 2015
Financial Management Association International August 2014 - May 2015
Pension Benefit Guaranty Corporation (PBGC) June 2014 - August 2014
Banco Santander Puerto Rico January 2014 - May 2014
Skills
Microsoft Excel, Microsoft Office, Financial Analysis, Accounting, Finance, Financial Accounting, Financial Reporting, Auditing, Financial Planning, Bloomberg, Financial Statements, Financial Modeling, Corporate Finance, Financial Audits, Risk Management, Data Analysis, Leadership
Education
Universidad de Puerto Rico 2010 — 2015
Bachelor's Degree, Finance, General
Universidad Complutense de Madrid 2013 — 2013
Bachelor of Business Administration (BBA), Finance, General
Colegio Rosa-Bell 2003 — 2010
High School Diploma
Triple-S March 2015 - Present
WE Design February 2006 - April 2015
Instituto de Educación y Tecnología June 2012 - April 2014
National Life Insurance Company June 2010 - January 2012
Banco Santander Puerto Rico April 2005 - August 2005
Skills
Microsoft Office, Microsoft Excel, Microsoft Word, PowerPoint, Research, Leadership, Management, Customer Service, Strategic Planning, Team Leadership, Sales, Photoshop, AutoCAD, Illustrator, SketchUp, AutoCAD Architecture, Architectural Design, Design Research, Sketching, Adobe Creative Suite, Spanish, Architectural Drawings, Architecture, Interior Design, Sustainable Design, Rendering, Public Speaking, Time Management, English, Teamwork, Public Relations, ArchiCAD, Outlook
Education
Universidad Politécnica de Puerto Rico 2004 — 2015
Bachelor of Architecture (B.Arch.), Architecture
First BanCorp November 2006 - Present
Popular Auto August 2005 - October 2006
Banco Popular de Puerto Rico March 2001 - July 2005
Banco Santander Puerto Rico October 1996 - February 2001
Skills
Excel, Access, Word, Large Cash Reporting..., Assessment, PowerPoint, Bank Secrecy Act, Microsoft Excel, Technology Needs..., Banking, Fraud, Microsoft Word, Retail Banking, OFAC, Internal Audit, USA PATRIOT Act, Loans, Analysis, AML, Anti Money Laundering, Risk Management, Financial Risk, KYC, Financial Analysis
Education
University of Puerto Rico 1988 — 1993
Bachelor's degree, Business Administration and Management, General
Banco Santander Puerto Rico 2014 - Present
Caribbean Medical Testing 2012 - 2014
Quest Diagnostics 2007 - 2012
Walgreens 2006 - 2007
Skills
Human Resources, Employee Relations, Payroll, Benefits Administration, Leave of Absence, ADP Payroll, ADP HRB, New Hire Orientations
Education
American University of Puerto Rico 2003 — 2008
Bachelor of Arts (B.A.), Communications, Bachelor Degree
FirstBank Puerto Rico January 2015 - Present
Financial industry March 2014 - December 2014
Banco Santander Puerto Rico November 2010 - March 2014
First BanCorp August 2007 - October 2010
Citi 2002 - 2007
Citibank August 1998 - 2002
Kevane, Peterson, Soto & Pasarell January 1998 - August 1998
Skills
Banking, Risk Management, Financial Services, Financial Risk, Credit Risk, ALM, Corporate Finance, Strategic Financial..., Finance, Capital Markets, Market Risk, Portfolio Management, Derivatives, Fixed Income, Credit Analysis, Treasury Management, Investment Banking, Equities, Basel II, Financial Analysis, Financial Planning
Education
Universidad de Puerto Rico 2004 — 2008
Bachelor of Business Administration (B.B.A.), Accounting and Finance
University Gardens High School
Oracle February 2015 - Present
Chase January 2012 - January 2015
Contact Centers of America June 2011 - February 2012
Americall Group, Inc. December 2007 - October 2009
Banco Santander Puerto Rico December 2005 - October 2007
BAM, Arte y Mas, INC November 2003 - November 2005
Skills
POS Retail Specialist, Technical Support, Customer Service, Microsoft Office, Microsoft Excel, Business Analysis, PowerPoint, Credit card specialist, Banking, Fully bilingual..., Sales, Staff Supervision, Volunteer teaching, Volunteer..., Business Intelligence, Analytical skills, communications skills, Remote Desktop, administrative work
Education
Grand Canyon University 2010 — 2012
Master of Business Administration (MBA), Marketing
University of Puerto Rico-Rio Piedras 1996 — 2003
Bachelor’s Degree, Fine/Studio Arts, General
Banco Santander Puerto Rico August 2011 - Present
Banco Santander Puerto Rico July 2009 - August 2011
E-Merging Concepts Group LLC January 2010 - July 2011
Santander Securities July 2006 - July 2009
Scotiabank July 2005 - June 2006
First Bank Puerto Rico April 2004 - June 2005
Skills
Capital Markets, ALM, Market Risk, Banking, Liquidity Management, Derivatives, Bloomberg, Fixed Income, Bonds, Hedging, Wealth Management, Investment Strategies, Treasury Management, Bloomberg Terminal, FX trading, Financial Analysis, Financial Risk, Portfolio Management
Education
Inter-American University of Puerto Rico-Metropolitan Campus 2002 — 2005
MBA, Finance
University of Puerto Rico 1997 — 2002
BS, Management
Triple-S October 2013 - Present
Aquino, De Cordova & Alfaro, LLC August 2012 - October 2013
Banco Santander Puerto Rico March 2011 - August 2012
Torres CPA Group August 2008 - March 2011
Skills
Financial Analysis, Accounting, Financial Modeling, Banking, Corporate Finance, Financial Reporting, Financial Accounting, Microsoft Excel, Auditing, Internal Controls, Microsoft Word, PowerPoint, Outlook, Peachtree, QuickBooks, External Audit, Financial Statements, Tax, GAAP, Budgets, Sarbanes-Oxley Act
Education
Universidad de Puerto Rico 2003 — 2008
Bachelor of Business Administration (BBA), Accounting, Graduated Magna Cum Laude
Universidad de Puerto Rico 2003 — 2005
Bachelor of Business Administration (BBA), Business Administration and Management, General
Banco Santander Puerto Rico March 2015 - Present
National University College July 2014 - Present
Universidad del Este March 2013 - Present
Sistema Universitario Ana G. Méndez (SUAGM) January 2013 - Present
Universidad del Este August 2010 - March 2015
Medicina Biológica January 2005 - January 2015
Mamut Andino March 2007 - August 2009
Skills
Visual Basic, HTML/XML, Oracle SQL, VB.NET, ASP, Visual Studio, SQL Server, MySQL, PL/SQL, SQL, UML, Java, PHP, Object Oriented Design, C++, Databases, CSS, HTML, C, XSLT, Software Development, Unix, XML, PostgreSQL, Web Development, Software Engineering, .NET, Crystal Reports, T-SQL, Database Design, Access, VBScript, Eclipse, VBA, Application Development, Erwin 3.5, Query Analyzer, Requirem, Requirements Gathering, Microsoft Office, JSP, Risk Management, IT Management, IT Strategy, Office Administration, System Administration, Maintainable Code, Application Lifecycle..., Computer Gaming, Microsoft SQL Server
Education
Universidad Del Este 2009 — 2012
Master of Business Administration (MBA), Management of Security Information, Master
Escuela Superior Politécnica del Litoral 2000 — 2006
Ingeniero en Computación esp. Sistemas de Información, Computación, Ingeniería, Matemáticas, Programación, Informática
San Jose La Salle 1994 — 2000
Técnico en Informática, Informatica, Computer Science
Amscot Financial April 2015 - Present
FirstBank Puerto Rico October 2014 - Present
FirstBank Puerto Rico October 2014 - April 2015
Oriental January 2012 - October 2014
Banco Santander Puerto Rico January 2009 - January 2012
Macy's January 2006 - January 2009
Clarks January 2003 - January 2006
Skills
Proficient in Microsoft..., Bilingual (English &..., Attentiveness, Goal oriented focus, Time management skills, Ability to "read"..., Analyzing reporting..., Customer-focused Service, Trust Building, Communicate effectively, Problem Solving, Core Banking, Finance, Lines Of Credit, Loans, Sales, Traditional IRA, Credit, Financial Services, Banking, Customer Service, Credit Cards, Management, Retail Banking, Customer Satisfaction, Microsoft Office, Teamwork
Education
Universidad Del Este 2010 — 2014
Bachelor In Business Management, Business Management
Conservatorio de Musica de Puerto Rico 1998 — 2002
Bachelor's Degree, Music
OFG Bancorp (Oriental Bank) May 2004 - Present
Doral Bank December 2002 - April 2004
Banco Santander Puerto Rico March 1990 - December 2002
Skills
Outlook, PeopleSoft, Expense Reports, Travel Arrangements, Meeting Scheduling, Executive Level..., Executive Support, Dictaphone, PowerPoint, Microsoft Excel, Executive..., Administrative..., Finance, Spreadsheets, Calendars, Confidentiality, Business Correspondence, High Level Of..., Fax, Expenses, Handle Confidential..., Administrative Office..., Multi-line Phone, Discretion, Wordperfect, Filing, Organizing Meetings, Microsoft Office
Education
University of Puerto Rico-Rio Piedras 1983 — 1988
Bachelor in Business Administration, Secretarial Sciences
Dual Electronics Corp January 2012 - Present
Strang Communications July 2005 - June 2011
Banco Santander Puerto Rico November 1977 - February 1999
Skills
Microsoft Excel, Microsoft Dynamics GP, Microsoft Office, Microsoft Word, Microsoft PowerPoint, Microsoft Outlook, Ventas, Liderazgo, Servicio de atención al..., Investigación y..., Mejora de procesos, Gerencia de ventas
Education
Universidad Metropolitana 1995 — 1999
Associate of Arts and Sciences (A.A.S.), Computer and Information Sciences and Support Services
Microsoft April 2015 - Present
Banco Santander Puerto Rico September 2014 - April 2015
Banco Santander Puerto Rico March 2010 - September 2014
Scotiabank April 2008 - February 2010
Uno Radio Group May 2007 - January 2008
BBVA January 2004 - May 2007
Skills
ADP Payroll, Microsoft Office, Labor Laws, Payroll, Benefits Administration, Benefits, Payroll Processing, Employee Benefits, Administration, Recruiting, HRIS, Customer Service, Human Resources, Talent Acquisition, Interviews, Employment Law, Employee Relations, Leadership, Performance Management
Education
Escuela Avanzada de Recursos Humanos 2008 — 2009
HR Certificate, Human Resources
Universidad de Puerto Rico 1998 — 2002
BBA, Human Resources Management
Prime Consulting Group July 2010 - Present
Banco de Desarrollo Economico para Puerto Rico February 2012 - June 2012
Westernbank Puerto Rico March 2004 - April 2010
Banco Popular de Puerto Rico September 1998 - March 2004
Banco Santander Puerto Rico October 1996 - September 1998
Banco Central Hispano September 1977 - October 1996
Skills
Credit, Sales Management, Financial Analyst, Loans, Financial Analysis, Banking, Credit Risk, Commercial Lending, Finance, Management, Risk Management, Credit Analysis, Budgets, Loan Origination, Portfolio Management, Financial Risk, Due Diligence, Financial Services, Accounting, Corporate Finance, Restructuring, Leadership, Commercial Banking, Business Strategy, Sales, Cash Flow, Mergers & Acquisitions, Mortgage Lending, Retail Banking, Investments, Strategic Financial..., Business Intelligence, Internal Audit, Cross Selling, Financial Modeling, Asset Management, Capital Markets, Valuation, Investment Banking, Financial Planning
Education
Universidad del Sagrado Corazón 1977 — 1983
Bachelor of Business Administration (BBA), Major in Accounting & Minor in Finance
Albert Einstein High School 1974 — 1977
Banco Santander Puerto Rico October 2014 - Present
Banco Santander Puerto Rico 2013 - Present
Banco Santander Brasil January 2013 - June 2013
Banco Santander Puerto Rico September 2008 - January 2013
Skills
Strategy, Portfolio Management, Credit, Negotiation, Management, Sales Operations, Banking, Risk Management, Training, Business Development, Risk Management:..., Domain Laws and federal..., Team Building, Credit Risk, Insurance, Articulate and..., Team Management, Retail Banking, Commercial Banking, Financial Analysis, Finance
Education
University of Puerto Rico-Rio Piedras 1996 — 2001
Bachelor's degree, Education
Self-employed January 1999 - December 2014
Milling Benson Woodward November 1996 - November 1996
University of Massachusetts Amherst October 1994 - December 1994
Caribbean Non Invasive Cardiovascular Laboratory, Inc. April 1993 - August 1994
Santander Overseas Bank May 1990 - April 1993
Banco Santander Puerto Rico May 1988 - April 1993
Skills
Litigation, Legal Writing, Civil Litigation, Legal Research, Commercial Litigation, Courts, Legal Advice, Contract Negotiation, Corporate Law, Mediation, Appeals, Intellectual Property
Education
Loyola University New Orleans School of Law 1995 — 1998
Juris Doctor, Civil law
University of Puerto Rico-Rio Piedras 1983 — 1988
BBA, Accounting and Finance, Bachelor Degree in Business Administration
Banco Santander Puerto Rico January 2011 - Present
Uno Radio Group September 2010 - January 2011
Billy Graham Evangelistic Association - My Hope Puerto Rico September 2009 - July 2010
Axesa Servicios de Informacion, S. en C. January 2001 - July 2009
Skills
Graphic Design, Graphics, Website Development, Google Analytics, Illustrator, Advertising, Adobe Creative Suite, Web Analytics, Dreamweaver, Web Design, HTML, Apple Certified, Project Management, WebTrends Analytics, Visual Communication, Banking, InDesign, Marketing Strategy, Retail Design, Logic Pro, Branding, Search Analysis, Web Development, Photoshop, Public Speaking, Management, CSS, Flash, Logo Design, Corporate Identity, Digital Marketing, Online Advertising, Online Marketing, Social Networking, User Interface Design, Marketing, Digital Media, Social Media, Social Media Marketing, SEO, Mac, Facebook, Layout, Pastoral Counseling, Public Relations, Photography, Digital Photography, Songwriting
Education
Universidad de Puerto Rico 1994 — 1998
Bachelor of Arts (BA), Art/Art Studies, General
Seminario Teológico de Puerto Rico
Master's degree, Pastoral Studies/Counseling
Holland & Knight LLP January 2012 - Present
McConnell Valdés LLC January 2007 - December 2011
Banco Santander Puerto Rico March 2005 - December 2006
McConnell Valdes June 2000 - March 2005
McConnell Valdes October 1995 - May 2000
Skills
ERISA, Employee Benefits, Qualified Retirement..., Executive Pay, Affordable Care Act, COBRA, HIPAA, Tax Law, Tax, Employment Law, Litigation, Civil Litigation, Appeals, Mergers & Acquisitions, Due Diligence, Commercial Litigation, Legal Compliance, Corporate Law, Corporate Governance, Employment..., Administrative Law, Labor Relations, Discrimination, Employment Contracts, Arbitration, Estate Planning, Trusts, Wills, Legal Research, Legal Writing, Legal Advice
Education
Nova Southeastern University 2014 — 2016
Master's Degree, Taxation
University of Puerto Rico School of Law 1992 — 1995
J.D., Cum Laude
University of Puerto Rico 1987 — 1992
BBA, Finance (Money and Banking)
Western Governors University June 2015 - Present
Kaplan February 2013 - June 2015
Kaplan Higher Education July 2011 - February 2013
Independent Consultant August 2009 - June 2011
GMM Digital Domain June 2010 - July 2010
Internet Strategy Group December 2007 - July 2009
Neighborhood America May 2007 - December 2007
Neighborhood America June 2006 - May 2007
Banco Santander Puerto Rico June 2005 - August 2005
Skills
Market Research, Product Management, Social Media, Marketing Strategy, Email Marketing, Leadership, Strategy, Business Planning, Project Management, Interactive Marketing, Lead Generation, CRM, Product Development, Entrepreneurship, Marketing Research, International Marketing, Product Innovation, Data Analysis, SEO, Marketing, Business Strategy, Enterprise Valuation, Lean Startup, Spanish, E-Learning, Competitive Analysis, Performance Analysis, Digital Strategy, User Experience, Usability, Pitch Development, Wireframes, Technology Roadmapping
Education
University of Maryland - Robert H. Smith School of Business 2009 — 2011
MBA, Entrepreneurship and Digital Strategy
University of Florida - Warrington College Of Business 2002 — 2006
BSBA, Marketing
Saint Louis University Madrid, Spain Campus 2004 — 2004
Business, Study Abroad Program
Popular Inc. - Puerto Rico November 2008 - Present
Banco Popular de Puerto Rico June 2004 - November 2008
Banco Popular de Puerto Rico August 1999 - June 2004
Banco Santander Puerto Rico August 1996 - 1999
Skills
Management, Restructuring, Corporate Finance, Customer Service..., Customer Service..., Integrated Marketing, Business Strategy, Corporate Branding, Organizational Behavior, Budgets, Banking, Advertising, Strategic Planning, Finance, Marketing, Marketing Strategy, Competitive Analysis, Project Management, Analytics, Accounting, Customer Satisfaction, Leadership, Email Marketing, Sales, Market Research, Entrepreneurship, Customer Service, Recruiting, Business Planning, Strategy, Mergers & Acquisitions, Financial Reporting, Brand Management, Public Relations
Education
Boston College - Wallace E. Carroll Graduate School of Management 1988 — 1992
Bachelor of Science, Accounting
Colegio San Felipe, Arecibo 1975 — 1988
High School, Accounting and Business/Management
Harvard Business School
Executive Education - Leading with Big Data, Competing on Business Analytics and Big Data Education Program
Open Mobile PR August 2010 - Present
IKON Group July 2009 - November 2010
Banco Santander Puerto Rico February 1998 - June 2009
AT&T 1996 - 1997
Skills
Human Resources, Employee Benefits, Deferred Compensation, HR Policies, Performance Management, Benefits Administration, Recruiting, Change Management, Outsourcing, Talent Management, Labor Relations, Strategic Planning, Employee Engagement, Workforce Planning, HR Consulting
Education
Inter-American University of Puerto Rico-Metropolitan Campus 1996 — 2000
Master of Business Administration (MBA), Human Resources Management/Personnel Administration, General
Universidad de Puerto Rico Recinto de Rio Piedras 1992 — 1996
Bachelor of Business Administration (BBA), Human Resources Management/Personnel Administration, General
Banco Santander Puerto Rico November 2004 - Present
Unitedhealth Care Plans of Puerto Rico December 1989 - December 1999
Office of Budget & Mgmt of PR March 1986 - November 1989
Skills
IT Risk Assessment, Management, IT Operations, Testing, Operational Risk, Business Impact Analysis, Develop policies &..., Business Continuity..., vendor mgmt, Personnel Management, unix administration..., Gap Analysis, Data Classification
Education
Universidad del Turabo 1994 — 1999
Management Information Systems, Computers & Administration
Banco Santander Puerto Rico July 2015 - Present
Saldo January 2014 - Present
Santander Bank, N.A. February 2015 - July 2015
Banco Santander July 2009 - January 2015
Banco Santander Mexico June 2006 - July 2009
Vector Casa de Bolsa August 2004 - May 2006
SECRETARIA DE FINANZAS January 2001 - December 2001
Skills
Banking, Credit Risk, Capital Markets, Derivatives, Corporate Finance, Portfolio Management, Financial Analysis, Fixed Income, Liquidity Risk, Interest Rate Risk..., Asset Allocation, Regulatory Capital, Financial Risk, Structured Finance, Financial Markets, Análisis financiero, Banca, Derivados, Finanzas corporativas, Gestión de cartera de..., Mercado de capitales, Mercados financieros, Rentas fijas, Riesgo de crédito, Riesgo financiero, Administración y..., Gestión de riesgos, Finanzas, Management, Estrategia empresarial, Finanzas estructuradas, Risk Management
Education
IE (Instituto de Empresa) 2012 — 2014
Master of Business Administration (MBA)
London School of Economics and Political Science 2010 — 2010
FINANCIAL RISK MANAGEMENT
Fundación Universidad de las Américas, Puebla, A.C. 2006 — 2009
MAESTRIA, FINANZAS CORPORATIVAS
Fundación Universidad de las Américas Puebla 2000 — 2005
LICENCIATURA, ECONOMIA
The University of Manchester 2003 — 2004
INTERNATIONAL ECONOMICS
Oriental May 2015 - Present
Banco Santander Puerto Rico May 2014 - Present
Banco Santander Puerto Rico June 2011 - May 2014
BANCO SANTANDER PUERTO RICO June 2001 - June 2011
Banco Santander Chile 2007 - 2007
Kimberly-Clark June 2000 - June 2001
Skills
Hedging, Derivatives, Swaps, FX, Foreign Exchange..., Treasury, FX Options, ALM, Capital Markets, Finance, Trading, Financial Markets, Treasury Management, Investments, Banking, Financial Analysis, Financial Risk, Portfolio Management, Risk Management
Education
Universidad de Puerto Rico 1998 — 2000
MBA, Finance
Universidad de Puerto Rico 1994 — 1998
BBA, Finance and Marketing
Towson University 1996 — 1997
Marketing
Dollar General Corp July 2007 - Present
Banco Santander Puerto Rico August 2003 - May 2007
BI Solutions, Inc. June 2002 - August 2003
Oracle Corporation March 1998 - April 2002
Skills
SQL, Oracle, Business Intelligence, Data Warehousing, Visio, PL/SQL, Databases, Business Analysis, ERP, Systems Analysis, Team Leadership, MS Project, Troubleshooting, Oracle Discoverer, Unix, Oracle Applications, Retail, Project Management, Data Modeling, Database Design, SDLC, Requirements Analysis, ETL
Education
Universidad Católica Andrés Bello 1994 — 1996
Master's degree (not completed), Economy
Universidad Simón Bolívar 1986 — 1991
Engineer's degree, Computer Engineering
Wholesale and Distribution January 2015 - Present
The Beijing Axis December 2013 - April 2014
The Beijing Axis February 2012 - December 2013
The Beijing Axis February 2011 - February 2012
Banco Santander Puerto Rico 2005 - 2006
Skills
Mergers, Strategy, Analysis, Competitive Analysis, Investments, Due Diligence, Chinese, Business Strategy, Finance, Market Entry, Africa, Strategies, Management Consulting, Strategic Thinking, Strategic Sourcing, Management, Strategic Planning, Mergers & Acquisitions, International Trade, Project Management, Market Research, Negotiation, Business Development, Procurement, Financial Modeling, Venture Capital, International Business, Entrepreneurship, China Business..., Private Equity
Education
Peking University 2007 — 2010
MBA, Finance
Universidad de Puerto Rico (RUM) 1999 — 2004
BA, Finance and Information Systems
Academia Perpetuo Socorro
BLCU
Banco Santander Puerto Rico February 2014 - Present
Banco Santander August 2009 - February 2014
Doral Bank October 2007 - May 2009
Marichal & Hernández, L.L.P. July 2003 - September 2007
Skills
Bankruptcy, Loans, Credit, Restructuring, Mortgage Banking, Retail Banking, Risk Management, Credit Risk, Commercial Litigation, Real Estate, Business Strategy, Banking, Management
Education
University of Puerto Rico 2001 — 2004
Juris Doctor, Law
University of Florida 1997 — 2001
Bachelor of Science (BS), Finance, General
Inter-American Development Bank January 2014 - Present
Banco Santander Puerto Rico May 2013 - January 2014
Santander Securities January 2012 - May 2013
Banco Santander October 2009 - December 2011
ABN AMRO Bank N.V. June 2007 - October 2009
ABN AMRO Bank N.V. December 2005 - June 2007
Citi August 2004 - November 2005
Skills
Corporate Finance, Banking, Investment Banking, Financial Risk, Portfolio Management, Emerging Markets, Capital Markets, Business Strategy, Mergers & Acquisitions, Forecasting, Financial Markets, Valuation, Structured Finance, Impact Investing, Risk Management, Project Finance, Financial Analysis, Financial Modeling, Derivatives, Credit Risk, Finance, Investments, Credit, Financial Structuring
Education
Fundação Getúlio Vargas 2008 — 2009
Master's Degree, Economics
Fundação Getulio Vargas 2002 — 2005
Bachelor's Degree, Business Administration and Management, General
Santander Bank, N.A. September 2013 - Present
Santander Bank, N.A. December 2006 - September 2013
Banco Santander Puerto Rico March 2003 - December 2006
Skills
Banking, Credit, Commercial Banking, Financial Analysis, Credit Risk, Retail Banking, Risk Management, Credit Analysis, Portfolio Management, Financial Risk, Loans, Corporate Finance, Financial Services, Commercial Lending, Management, Financial Modeling, Capital Markets, Finance, Investments, Business Strategy, Relationship Management, Mortgage Lending, Operational Risk, Consumer Lending, Basel II, Enterprise Risk..., Asset Based Lending, Loan Origination
Education
Harvard Business School 2010 — 2010
General Management Program, Business Administration and Management, General
Middlesex University 1988 — 1992
Bachelor of Arts (B.A.), Business Administration and Management, General
Universidad Pontificia Comillas 1988 — 1992
Bachelor of Arts (B.A.), Business Administration and Management, General
Santander BanCorp August 2005 - Present
Santander BanCorp August 2005 - August 2008
Banco Santander Puerto Rico January 2005 - August 2005
Skills
Corporate Governance, Corporate Law, Banking, Mergers, Risk Management, Securities, Litigation, Capital Markets, Due Diligence, Commercial Litigation, Corporate Finance, Employment Law, Investments, Administrative Law, Legal Research, Asset Managment, Financial Services, Insurance, Asset Management, Mergers & Acquisitions, Financial Analysis, Finance, Restructuring, Mutual Funds, Equities
Education
University of Puerto Rico 1993 — 1996
Doctor of Law (JD)
University of Florida 1990 — 1993
Bachelor of Science (BS), Business/Managerial Economics
Colegio San Ignacio 1983 — 1989
Banco Santander Puerto Rico September 2002 - June 2012
Electronic Data Systems January 1999 - January 2002
Banco Popular January 1994 - January 1999
Education
Northwestern University 1979 — 1979
Advance studies in Economics, NA
University of Puerto Rico 1975 — 1979
BA, Economics
Universidad de Puerto Rico Educación Continuada
Banco Santander Puerto Rico March 2003 - Present
Skills
Banking, Finance, Financial Risk, Loans, Risk Management, Credit Analysis, Credit Risk, Commercial Banking, Credit, Capital Markets, Investment Banking, Portfolio Management, Financial Analysis, Corporate Finance, Retail Banking, Strategic Planning, Derivatives, Commercial Lending, Fixed Income, Investments
Education
University of Pennsylvania - The Wharton School 1984 — 1988
BSE, Finance
Banco Santander Puerto Rico July 2013 - Present
Banco Santander September 2012 - July 2013
Banco Santander February 2009 - September 2012
Banco Santander February 2006 - February 2009
Skills
Banking, Credit Risk, Retail Banking, Credit, Commercial Banking, Financial Risk, Credit Analysis, Private Banking, Portfolio Management, Loans, Financial Markets
Education
Universidad del Pacífico (PE) 1999 — 2003
Master of Business Administration (MBA)
Universidad Ricardo Palma
Economía
Puerto Rico Farm Credit, ACA September 2012 - Present
Banco Popular de Puerto Rico August 2010 - September 2012
Westernbank August 2008 - August 2010
RG Financial Corporation March 2007 - August 2008
RG Financial Corporation October 2004 - March 2007
Banco Santander Puerto Rico January 1999 - October 2004
Banco Santander Puerto Rico January 1997 - January 1999
Skills
Distressed commercial..., Credit Analysis, Team Building, Team Leadership, Regulatory Compliance, Allowances, Enterprise Risk..., Internal Audit, Credit Portfolio..., Board of Directors..., Regulatory Reporting, Policies & Procedures..., Training & Development, Credit, Risk Management
Education
Universidad Metropolitana 1993 — 1995
Master of Business Administration (M.B.A.), Accounting, Cum Laude
Universidad del Sagrado Corazón 1986 — 1989
Bachelor's degree, Accounting and Public Relations, Cum Laude
Marine Express Inc. December 2014 - May 2015
Banco Santander Puerto Rico January 2014 - June 2014
Banco de Alimentos de Puerto Rico August 2012 - May 2013
Skills
Materials Management, Engineering, Six Sigma, Manufacturing, Project Management, Service Management, Electronics, Quality Assurance, Website Development, Product Development, New Business Development, Microsoft Excel, Microsoft Office, Customer Service, Strategic Planning, Problem Solving, Team Leadership, Teamwork, Hardware, Handyman Services, Pro Tools, Power Tools, Sales assistant
Education
UPR BAYAMON 2013 — 2015
Bachelor's degree, Science of Supply Chain Management and Operations
UPR BAYAMON 2011 — 2013
Associate's degree, Industrial Engineering
EDP College of Puerto Rico Inc-San Juan 2000 — 2003
Associate's degree, Electrical, Electronic and Communications Technology/Technician
Cabiya & Molero Law Offices, PSC November 2010 - Present
Yolanda Benitez Law Offices, PSC February 2009 - September 2010
Weinstein-Bacal & Miller, PSC April 2004 - January 2009
Banco Santander Puerto Rico March 2000 - December 2003
Softek, Inc. June 1999 - March 2000
MAPFRE Puerto Rico April 1990 - June 1999
Skills
Litigation, Legal Research, Legal Writing, Civil Litigation, Commercial Litigation, Courts, Corporate Law, Appeals, Legal Advice, Mediation
Education
Universidad de Puerto Rico - Escuela de Derecho 1993 — 1996
Doctor of Law (J.D.)
New York University 1982 — 1985
Bachelor of Science (BS), Computer Programming, Specific Applications
Banco Santander Puerto Rico Assistant Brand ManagerRJ ReynoldsAugust 1999 - January 2003
Education
Bryant University 1988 — 1992
BSBA, Marketing
Perpetuo socorro
CPA Lourdes M Diaz & Asociados January 2012 - Present
Banco Santander Puerto Rico August 2011 - October 2011
KFC Puerto Rico April 2009 - June 2011
Skills
Financial Analysis, Accounting, Microsoft Office, English, Corporate Finance, Microsoft Excel, Tax, Financial Reporting, Auditing, Spanish, Teamwork, Business Strategy, Strategic Planning, Entrepreneurship, PowerPoint
Education
Universidad Interamericana de Puerto Rico - San German 2008 — 2013
Bachelor of Business Administration (BBA), Accounting (CPA Track)
Lehigh University - College of Business and Economics 2011 — 2011
Summer Intern, Leadership and Business
REOF Capital January 2014 - Present
Advanced Research Center, Inc. July 2011 - Present
Universidad Interamericana de Puerto Rico August 2010 - Present
Banco Santander Puerto Rico 2008 - 2010
Doral Financial Corporation 2004 - 2008
Department of the Treasury of Puerto Rico 2001 - 2004
Skills
Portfolio Management, Risk Management, Valuation, Financial Modeling, Financial Analysis, Credit, Due Diligence, Banking, Restructuring, Corporate Finance, Credit Analysis, Financial Risk, Economics, Policy, Quantitative Analytics, Macroeconomics, Business Planning, Business Strategy, Financial Reporting, Tax, Mergers & Acquisitions, Management, Analysis, Investments, Finance, Management Consulting, Analytics, Corporate Governance, Credit Risk, Financial Structuring, Forecasting, Loans, Market Research, Strategic Financial..., Structured Finance, Underwriting
Education
Tulane University - A.B. Freeman School of Business 2011 — 2014
Doctor of Philosophy (PhD) (Cand.), Finance, General
Universidad de Puerto Rico 1995 — 2002
Master of Arts (M.A.), Economics
Tufts University 1997 — 1998
Master of Arts (M.A.), Economics
Universidad Interamericana de Puerto Rico 1991 — 1995
BA in Finance, Finance, Economics and Accounting
Colegio San José de Rio Piedras 1987 — 1990
High School diploma
Sistema Universitario Ana G. Méndez (SUAGM) May 2012 - Present
Banco Santander Puerto Rico June 2010 - May 2012
Skills
AutoCAD, Microsoft Word, PowerPoint, Microsoft Outlook, Microsoft Excel
Education
Universidad Politécnica de Puerto Rico
Liceo de Arte y Tecnologia
Banco Santander Puerto Rico Executive AssistantBanco Santander Puerto RicoAugust 2011 - Present
Grande Supermarkets August 1995 - May 2011
Grande Supermarkets August 1990 - August 1995
Skills
Customer Service, Microsoft Word, Financial Analysis, Training, Teamwork, English
Education
University of Puerto Rico-Bayamon 1982 — 1987
Self-employed January 2002 - Present
Corporate Communications and Public Relations Consultant November 2001 - Present
Banco Santander Puerto Rico May 1999 - November 2001
Hospital Auxilio Mutuo April 1996 - April 1999
West Indies and Grey June 1991 - May 1996
Education
Academia Santa Monica
Universidad del Sagrado Corazón
Banco Santander Puerto Rico September 2001 - Present
Skills
Banking, Strategic Planning, Credit, Risk Management, Loans, Portfolio Management, Financial Analysis, Credit Risk, Corporate Finance, Finance, Business Strategy, Commercial Banking, Investments, Management, Retail Banking, University Relations
Education
Duquesne University 1997 — 2001
Bachelor of Business Administration (BBA)
Reichard & Calaf, Law Offices March 2014 - Present
MetroCruiser, Inc. April 2011 - February 2014
Sol Moving Group May 2010 - April 2011
Pedal Boat, Inc. October 2002 - February 2011
Banco Santander Puerto Rico April 2001 - October 2002
Skills
Entrepreneurship, Team Leadership, Team Building, Management, Team Management, Logistics, Residential Moving, Commercial Moving, Outdoor Recreation, Outdoor Adventures, Start-ups, Accounting, Customer Service
Education
Interamerican University 2014 — 2018
Juris Doctor, Law
Saint Joseph's University 1996 — 2000
Bachelor's degree, Finance, General
VG K-tering December 2009 - Present
Bahía Beach Resort September 2013 - May 2014
Kandela Restaurant July 2011 - November 2012
Casa Fox October 2009 - December 2009
Fulton Restaurant February 2009 - September 2009
Augusto's Restaurant March 2008 - October 2008
Banco Santander Puerto Rico August 2004 - December 2006
Skills
Department Budget..., Customer Service, Microsoft Excel, Sales Presentations, Operations Management, Sales Operations, Inventory Management, Inventory Control, Inventory Analysis, Sales Analysis, Food & Beverage, Food Industry, Food Service, Food Safety, POS, Menu Development, Chef, Quality Management
Education
Johnson and Wales University 2006 — 2008
Associate's degree, Culinary Arts/Chef Training, 3.8
University of Dayton 2000 — 2004
Bachelor Degree, Major Business and Finance
Colegio San José 1996 — 2000
Banco Santander Puerto Rico July 2013 - Present
Santander Asset Management September 2011 - July 2013
Banco Popular de Puerto Rico December 2010 - September 2011
Jimenez Rubio Tax Consultants August 2010 - December 2010
Skills
Account Reconciliation, Accounting, Financial Statements, Analysis, Budgets, Invoicing, Loans, Mutual Funds, Cash Flow Forecasting, Funding, Mortgage Lending, Payments, Financial Analysis, Finance, Banking, Corporate Finance, Auditing, Financial Reporting, Portfolio Management
Education
University of Puerto Rico-Mayaguez 2005 — 2010
Bachelor's degree in Accounting, Finance Minor, Accounting and Finance
Santander Bank, N.A. March 2010 - Present
Banco Santander Chile September 2007 - February 2010
Banco Santander Chile May 2006 - August 2007
BBVA Chile June 2004 - April 2006
Banco Santander Puerto Rico September 2000 - August 2002
Banco Santander Chile August 1998 - August 2000
Education
IE Business School 2002 — 2003
Executive MBA
Universidad de Santiago de Chile 1994 — 1997
Bachelor of Business Administration (BBA), Finance, General
Banco Santander Puerto Rico May 2013 - Present
Education
Universidad Del Este 2012 — 2015
Bachelor of Business Administration (BBA), Business Administration and Management, General, BBA
Santander Bank, N.A. September 2014 - Present
Santander Bank, N.A. March 2013 - August 2014
Banco Santander Puerto Rico March 2010 - February 2013
Skills
Credit, Financial Risk, Loans, Banking, Analytics, Mathematics, Risk Management, Credit Risk, Research, Portfolio Management, Finance
Education
University of Puerto Rico-Mayaguez 2006 — 2009
Masterâs Degree, Mathematics