Ricardo Martinez Rivera

Risk, compliance, and audit (RCA) professional with in-depth experience within the banking, including advisory to global systemically important banks (GSIBs) and systemically important financial institutions (SIFIs) in improving internal controls, operational risk management (ORM), stress testing, and Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) capabilities. He follows the three (3) lines of defense model when successfully implementing ris... Ver más

Risk, compliance, and audit (RCA) professional with in-depth experience within the banking, including advisory to global systemically important banks (GSIBs) and systemically important financial institutions (SIFIs) in improving internal controls, operational risk management (ORM), stress testing, and Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) capabilities. He follows the three (3) lines of defense model when successfully implementing risk management programs, policies, and procedures, as well as improving the internal control environment in industries ranging from:
(1) banking/capital markets governance, risk and compliance (GRC) assurance
(2) international trade regulatory compliance examinations (China/Vietnam corporations), including cost accounting, and financial statement analysis
(3) non-profit financial/treasury management, budgeting, and managerial accounting

Also, he is regarded for his ability to leverage process improvement and quantitative analysis to deliver value to organizations by a proven financial turnaround and risk maturity enhancement. Skills include:
Internal Audit Standards
CCAR/DFAST Stress Tests,
Operational Risk Management (ORM) Basel Principles
COSO ERM
Sarbanes Oxley (SOX) Section 404 Controls
Risk and Control Self-Assessment (RCSA)
Risk and Control Matrix (RCM)
Regulatory Inventory and Compliance Testing
Issue Management/Corrective Action Plan (CAP)
Root Cause Analysis
AML Transaction Monitoring
SAS Analytics and Excel
Financial Statement Analysis/Cost Accounting

He has authored publications in the U.S. Federal Register (see Publications). He also holds a Master in Business Administration (MBA), and is fluent in Spanish, English, and French. Opinions are his own, and not of his employer
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