Humberto Estenoz

August 21, 2020

Humberto has more than 35 years of experience in banking specializing in the areas of technology, operations, information security, risk management and compliance, and brings a combined knowledge of AML and information systems to Integro Advisers. He supports the financial services industry in the areas of BSA/AML and funds transfers system validations, as defined by the Federal Reserve, system assessments, audits and operational risk assessments.

Prior to joining Integro Advisers, he worked at City National Bank and related affiliates for nearly three decades. He served as Systems Programming Manager for City National Bank of Florida. In this capacity, he led the acquisition, implementation, and customization of BSA Reporter by Prime Associates, collaborating with the Bank’s BSA/AML Officer in designing and fine-tuning the risk-based alert rules for the first monitoring system adopted by the bank. Subsequently, Humberto became the lead technology analyst for BSA/AML OFAC compliance and was responsible for programming and maintaining all BSA/AML OFAC monitoring systems. He was the main resource for managing the technical parts of all Bank Secrecy Act audits, including the annual regulatory reviews by the Office of the Comptroller of the Currency (OCC), as well as all data validation models.

Humberto held the positions of Chief Technology Officer for City National Bank under Bankia (Spain’s third largest bank) and Director of Information Systems for City National Bank under Banco de Créditos e Inversiones (BCI), and Director of Operations and Technology for Caja Madrid Group. At all times, he maintained close working partnerships with the Risk Manager and the BSA Officer to ensure seamless integration between BSA/AML compliance objectives and information systems used to facilitate customer monitoring and detection of suspicious activity.

Humberto also has designed data interfaces between Metavante IBS core (now FIS-IBS) and BSA reporter (now FIS AML), considering sources of data and integrating data silos for the purpose of giving timely relevant information to be used in conjunction with alert rules. He also designed data interfaces between Fundtech Wires (now Finastra) and BSA reporter.

He led the team that was responsible in the core conversion from Metavante (FIS) to Fiserv, the conversion and migration of BSA Reporter to Patriot Officer by Global Vision. He was also a team leader in the systems merger of Totalbank and City National Bank which included a conversion of the customer history and cases from ECS to Patriot Officer.

Humberto is a graduate of the Universidad de Salamanca with degrees in Psychology Applied to Industry and Economic Sciences.