Maria Lourdes Jimenez

Independent Committee Member

Marilu is the founder of the Financial Intelligence Network and Compliance Advisors. Previously, she was Senior Vice President & Division Head Manager Corporate Compliance Division of Popular, Inc. in San Juan, Puerto Rico until July 2018. As Senior Vice-President & Division Head of the Corporate Compliance Division for Popular, Inc. Her principal responsibility was to supervise the compliance function in Puerto Rico, the United States and all other operations for Popular, Inc. She is a compliance and legal professional with 25 years of banking experience and particular expertise in all aspects of regulatory oversight, anti-money laundering (AML), consumer and financial compliance. She has vast experience as Legal Counsel and Compliance Manager in Multinational Institutions. She has previously worked for Citibank, Puerto Rico’s Commissioner of Financial Institutions, and Banco Santander, where she managed the Legal Counsel Office and Corporate Compliance.

Marilu is an active participant in the compliance industry and has held committee positions through the industry. She serves in the advisory boards of The Association of Certified Anti-Money Laundering Specialists (ACAMS) and American Bankers Association (ABA). She previously presided the Puerto Rico Bankers Association Anti-Money Laundering Committee for 15 years where she coordinated and continues to manage extensive training to keep the industry abreast of legislative and regulatory changes. She also served as Chairman of the American Bankers Association (ABA) Compliance Administrative Committee and collaborates with the ABA in various capacities. She is a frequent speaker both nationally and internationally and has cooperated with the US Treasury Department in the public/private sector dialogues with the Latin American AML financial community.

Ana Saint Esteven

Group Internal Auditor

Ana, is Group Internal Auditor for The Winterbotham Trust Company Limited. Ana is a professional with more than 20 years of experience in the Financial Industry with extensive expertise in all areas related to risk and control environment, regulatory requirements, anti-money laundering (AML/CFT) and tax transparency obligations. Prior to joining Winterbotham, she has worked as a manager at Citibank and in the Superintendence of Financial Institutions at the Central Bank of Uruguay with Banking Supervision responsibilities. She participated in special projects with other countries Regulators as part of the Memorandum of understanding signed by Uruguay. Ana joined Winterbotham in 2008 and has been a member of the Audit Committee since then providing objective and independent assurance to the Board on risk management, internal control and governance matters. She is a member of the Global Institute of Internal Auditors.

Alberto Baco

Independent Resident Non-executive Director

Alberto is currently Founder and Director of The Partnership for Modern PR, a Partner with GxG Consulting and Partner at OnetoOne. He is an attorney, CPA, and entrepreneur, with a successful career in company turnarounds, restructuring and senior management in both public and private sector. After graduating Magna Cum Laude with a Bachelor Degree in Business Administration from the University of Puerto Rico he then acquired a CPA license and finished a Juris Doctor degree. Since then he has held several positions in law firms, international accounting firms, government agencies and Board of Directors. Leadership positions as President of the Economic Development Bank, CEO of Marvel and Bohío International and Board seats in W Holdings, Assurant P.R and the Government Development Bank, among others. He is an active member of the YPO international organization, and at a local level, Alberto has held all head positions, including Chapter Chair. In 2013 he was appointed Secretary of Economic Development and Commerce by the Governor of Puerto Rico, and in 2016, he also assumed responsibilities as Chairman and President of the Government Development Bank for Puerto Rico. He has been recognized for his public speaking and has been invited to participate in important business forums around the world.

Rose Torres

Group Compliance Officer

Mrs Torres Ferrao is The Winterbotham Group Compliance Officer and is based full time in San Juan.

Mrs Torres Ferrao has over 18 years of senior compliance experience focused on BS/AML compliance and risk management, having worked previously at Banco Popular where she lead the Financial Intelligence Unit and supervised the FIU’s of Popular Inc’s subsidiaries and Banco Santander’s broker dealer in Puerto Rico. She has participated as subject matter expert in the implementation of automated solutions for AML detection scenarios and case management platforms.

Mrs Torres Ferrao has also worked in the public sector, most recently as special assistant to the Secretary of The Treasury and earlier in her career as a Bank Examiner for the Federal Reserve Bank of New York (FRBNY) where she participated in multiple target examinations on mid-size and large complex banking institutions. During her tenure at the FRBNY, Mrs. Ferraro was awarded with the President’s Award for her contributions to the Bank Supervision Group.

Mrs Torres Ferrao is a well-known speaker at international AML conferences and is a recognized expert in the development of AML / CFT and OFAC policies and procedures for banks subject to US regulatory requirements