Sandra Estrada

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Financial Crimes and Compliance Manager

Intermex Wire Transfer Corp.

May 2023 - Current (3 years 1 month)

Lead BSA/AML and Sanctions compliance programs, ensuring adherence to regulatory frameworks and optimizing transaction monitoring and investigative processes. Oversee high-risk customer due diligence (EDD), reviewing complex corporate structures and PEP relationships to mitigate financial crime risks. Manage regulatory examinations and audits, collaborating with legal, risk, and audit teams to ensure seamless communication and timely documentation submission. Serve as a key compliance stakeholder, providing guidance on policy development, regulatory reporting, and risk mitigation strategies to executive leadership.

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Head of Compliance

TANGApp

Mar 2021 - May 2023 (2 years 3 months)

Designed and implemented a BSA/AML and Sanctions compliance framework for a growing fintech, integrating KYC/CDD, transaction monitoring, and risk-based controls. Spearheaded regulatory licensing initiatives, managing compliance requirements for state money transmitter licenses (MTLs) and federal BSA/AML mandates. Developed and executed an automated fraud detection strategy, leveraging machine learning tools to enhance transaction monitoring and alert triaging. Acted as the primary compliance liaison for U.S. regulators, ensuring alignment with FinCEN, OFAC, and state-level mandates.

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VP, BSA/OFAC Adherence Officer

Bank of Hope

Dec 2019 - Mar 2021 (1 year 4 months)

Led the 1st and 2nd Line of Defense compliance functions, ensuring enterprise-wide adherence to BSA/AML, OFAC, and Correspondent Banking regulations. Designed and deployed enhanced due diligence (EDD) methodologies for high-risk customers, including correspondent banks, MSBs, and fintech partners. Directed the review and approval of SAR filings, ensuring high-quality reporting to regulatory agencies and mitigating financial crime risks. Conducted internal compliance audits, identifying policy gaps and implementing corrective action plans to enhance program effectiveness.

Senior Compliance Officer

Western Union

Sep 2014 - Dec 2019 (5 years 4 months)

Managed compliance oversight for third-party vendors and Western Union agents, ensuring adherence to global AML/CTF standards. Designed and implemented risk-based transaction monitoring rules, increasing efficiency in identifying suspicious activity and reducing false positives. Delivered compliance training programs to internal teams and agent networks, enhancing fraud prevention capabilities. Played a key role in regulatory inquiries and independent assessments, collaborating with law enforcement on complex financial crime cases.

Manager, AML Monitoring and Reporting

MoneyGram International

Dec 2010 - Sep 2014 (3 years 10 months)

Supervised AML investigations and SAR reporting, managing a team of compliance professionals conducting in-depth EDD and financial crime reviews. Developed and presented monthly risk management reports to executive leadership, identifying emerging risks and compliance trends. Enhanced fraud detection methodologies, optimizing case escalation protocols and improving investigative turnaround times.

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