1. Rafael Vidana Mercado
Houston TX area
rafavidana@hotmail.com
(832) 279-6078
Royal Bank of Canada - Int’l Wealth Management
Senior Compliance and Risk Officer 2008 - Present
As Compliance Officer my responsibilities are related to the execution of the compliance duties and
functions ensuring that effective internal controls are maintained thoughout the branches as they relate
to the operations.
As CO my position reports to and works in close coordination with the Compliance Director AML &
Risk Operations. The purpose of my position is to ensure full compliance with the letter and spirit of all
applicable U.S. banking laws and regulations, internal policies and procedures, and reports
discrepancies on AML, OFAC, Operations, Accounts activity, Investigations as well as approve the new
accounts with complex structures.
AUTHORITIES,
As Compliance Officer, I work in close coordination with the Compliance Director and Senior VP
Compliance Manager, and coordinate the Miami, New York, and Houston Compliance team members,
Documentation unit staff, Operational, Marketing as well as Credit staff.
Additionally, coordinates with internal/external auditors/ examiners, legal counsel and members of
Executive management.
MAJOR CHALLENGES
• Deals with highly complex and sensitive issues such as antimoney laundering (AML) and terrorist
financing (TF)
• Ensure the Bank complies with internal and external regulatory policies and procedures and U.S.
Banking laws in order to maintain satisfactory ratings with the Internal Auditors, FED regulators and
the Office of Currency Control (OCC).
• Ensure that the account transactions reviews are completed as per the Bank’s policy and
investigations on suspicious activities are closed following the existing protocols as required by the
Bank Sicrecy Aact (BSA) regulations and internal policies
• Dynamic regulatory environment with continuous updates and changes to laws and regulations that
apply to the various banking products, and services offered by the bank.
MANAGERIAL EXCELLENCE
• Ensure that employees and colaborators understand Bank’s vision, as well as support and reinforce
targeted behaviors that contribute the Bank goals.
• Provide focus and clarity in establishing individual goals, driving performance management,
supporting career development and rewarding strong performance providing support and couching
as mentor for my team mates.

2. • Leverage the value in unit, department, and enterprise wide teams to develop better solutions and
achieve a cross enterprise mindset.
• Accept and successfully execute change while supporting employees through the process, and
keeping them focused on department and Bank priorities.
BBVA Bancomer, S.A. 2002 to 2008
Senior BSA Compliance Analyst
• Developed, reviewed and analyzed accounts, specific transactions, internal regulations and clients
to ensure comply with all federal regulations, internal policies and procedures.
• Monitored cash, wire transfers, ACH and check activities using compliance tools and software to
meet regulatory requirements by the BSA, PATRIOT Act, FinCen and OFAC.
• Created controls, policies, procedures and reports to track and monitor suspicious accounts and
transactions.
• Performed the testing program to ensure every department in the Institution complies with the
internal and external policies and procedures involved with the enhancement of procedural
documentation under the firm's established policies in further support of the firm's compliance
objectives and of the annual review, monitoring and assessment of the compliance program.
• Contributed to the development of techniques and solutions for the prevention of criminal activities
involved in financial schemes and systems.
• Performed daily monitoring functions using internal and external software programs such as
Wirewatch, Wirehouse, and KYS, OFAC, LexisNexis, etc. reporting to BSA and Compliance Officer.
EDUCATION
• Intercontinental University, Mexico City, Mexico
• Business Administration – Bachelors Degree
• CAMS- Certified Anti-Money Laundering Specialist member (Mar. ’06)
• FIBA – certified Florida International Banking Association – AML /TF specialist (Jun. ’10)
• Courses, seminars symposiums and forums took; West Coast Anti Money Laundering Forum,
ACAMS Seminars, ABA Compliance training, BSA/AML, SAR, USA PATRIOT ACT and training on
Regulations from A to Z, in-house developed web trainings (RBC Campus).
SKILLS
Computer Literacy with the following software programs: Microsoft Office, WorldCheck,
WorldCompliance, ASSIST, OFAC, search engines developed-in-house well as internet search
engines.