Crystal Amore-Quinonez
Foxborough
Summary
Results-driven senior audit manager with over 15 years of experience across the three lines of defense in the banking and financial services industries. Proven expertise in managing complex engagements and leading cross-functional teams to assess operational, compliance, financial, and technology risks. Skilled in multiple banking processes, including Operational Risk Management, Payment Operations and Payments System Risk, Deposit Operations and Compliance, Mortgage Servicing, Information Technology general controls, Wealth Management, Sarbanes-Oxley Compliance, Consumer and Commercial Product Management, and other first- and second-line functions. Demonstrated track record of successfully and timely completing audit plans and remediating regulatory actions.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Sr. Audit Manager, VP, Payment & Fraud Operations
City National Bank
11.2023 - Current
- Manages a team of auditors, ensuring accurate and timely completion of audit projects.
- Enhances audit efficiency by partnering with Data Analytics and implementing risk-based audit strategies and procedures.
- Assists in the development of the Fraud and Payment Audit Coverage Strategies and multi-year plans, serving as the First Line Fraud subject matter expert.
- Collaborates with cross-functional teams to identify process improvements and enhance internal control systems.
- Aligns audit activities with business goals by incorporating strategic priorities and regulatory remediation activities into the annual audit plan.
- Develops comprehensive audit plans based on thorough risk assessments and business objectives analysis.
- Developed and continuously increases in-depth knowledge of client business goals, Target Operating Models, and policies and procedures to perform deeper Auditing and identify key areas of weakness.
- Consistently strengthens stakeholder relationships by presenting clear findings from completed reviews along with suggested improvements.
Internal Audit Manager, AVP, Internal Audit Operations & Process Risk
Santander Bank, N.A.
09.2021 - 11.2023
- Collaborated with senior leadership to develop comprehensive Audit Coverage Strategies and multi-year plans, assessing and prioritizing areas of high risk and significant impact on business operations.
- Managed cross-functional teams in conducting end-to-end internal audits and comprehensive regulatory validations across multiple First- and Second-Line units, which involved ensuring smooth execution of the audit plan while minimizing disruption to the client.
- Developed comprehensive audit plans outlining scope, goals, timelines, and resource requirements for each project.
- Enhanced audit efficiency by promoting risk-based auditing, streamlining processes, coordinating resources, and incorporating Data Analytics, while maintaining alignment with IA Methodology, regulatory expectations, and strategic objectives.
- Cultivated and strengthened lasting stakeholder relationships, significantly increasing Internal Audit’s ability to add value and proactively identify areas of opportunity.
- Collaborated with management to develop actionable recommendations for improving internal controls and processes.
- Validated compliance with laws and regulatory requirements through regular audits, targeted reviews, and corrective action plans.
- Successfully led discussions with auditees and regulatory examiners (i.e., OCC, CFPB, Federal Reserve) to communicate findings, key highlights, and other relevant information.
- Recruited, developed, motivated and retained talent across multiple geographic locations to enhance team productivity.
- Developed, maintained, and provided regular training and subject matter expertise relative to the US Internal Audit RCSA Work Program, advising on IA best practices across multiple risk areas.
Senior Supervisor, AVP, Internal Audit Operations and Process Risk
Santander Bank, N.A.
11.2019 - 09.2021
- Assisted in development of the Audit Coverage Strategies and multi-year plan.
- Developed and executed complex audit testing to provide assurance on the quality and effectiveness of internal controls, risk management, and governance processes and systems.
- Formulated audit conclusions and communicated findings to key stakeholders.
- Assisted in drafting audit reports, issues, and regulatory validation responses.
- Participated in regulator discussions to communicate audit testing and results.
- Served as the IA subject matter expert for Operational Risk and RCSA Frameworks; Fraud; Third-Party; Incentive Compensation (U.S and European Union regulations); Deposits and Payments.
- Enhanced team productivity by implementing efficient workflow processes and providing consistent guidance.
Supervisor, Internal Audit Operations and Process Risk
Santander Bank, N.A.
11.2017 - 11.2019
- Developed and executed complex audit testing to provide assurance on the quality and effectiveness of internal controls, risk management, and governance processes and systems
- Formulated audit conclusions and communicated findings to key stakeholders while assisting in drafting audit reports, issues, and regulatory validation responses
- Participated in regulatory discussions to communicate audit testing and results
- Oversaw daily operations of the Audit team, ensuring smooth workflow and timely completion of tasks.
- Demonstrated commitment to the organization''s core values, leading by example and fostering a culture of excellence.
- Assisted in managing successful project completions under tight deadlines, coordinating effectively across multiple teams.
Compliance Officer II
Citizens Bank
12.2012 - 08.2013
- Collaborated across multiple divisions to assist business partners on the interpretation and application of Consumer and Commercial regulatory requirements and laws for new and existing products and services.
- Communicated regulatory changes and new exam guidance to the applicable business lines (e.g., Payments Operations, Wealth Management, Marketing)
- Implemented ongoing monitoring practices and evaluated business line risks, controls, and methodologies to confirm compliance with internal policy and regulatory expectations.
- Guided identification, mitigation, and resolution of existing and emerging regulatory risk issues
- Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
- Enhanced centralized database inventories and issue management platforms to drive more comprehensive and timely identification and remediation of gaps.
- Served on the NDIP (Non-Deposit Investment Products) Committee and was responsible for researching NDIP requirements, risks, and regulatory issues to determine safety and soundness of the Bank's program.
Trust Officer
U.S. Trust Bank of America Private Wealth Management
02.2006 - 09.2011
- Interpreted various contractual and legal agreements and provided fiduciary guidance to private clients with trust and investment management services
- Managed a book of approximately 350 accounts, including conducting at least annual administrative reviews to ensure tax planning, investment portfolio, and overall fiduciary management alignment with governing agreements and regulatory expectations.
- Ensured accuracy of financial reporting inclusive of Schedule K-1 and 1099 tax documentation
- Assessed and resolved regulatory exceptions and served as a key contact for OCC and audit processes.
- Identified opportunities to build client relationships by introducing new products and services.
- Routed, maintained, and tracked outstanding requests, including performing money movement transfers.
- Kept abreast of industry trends, regulatory changes, and best practices through continuous professional development, ensuring ongoing excellence in fiduciary management services.
Education
Juris Doctor -
New England Law School
Boston, MA05.2012
Bachelor of Science - Business Administration
Salve Regina University
Newport, RI05.2003
Skills
- Leadership and Agile Project Management
- High-Risk Auditing
- Regulatory Compliance (eg, Consumer Protection)
- Risk Management and Frameworks
- Internal Control Management
- Risk and Performance Metrics
- Regulatory Remediation Plans and Relations (eg, CFPB, OCC, Federal Reserve)
- Data Analytics
- Teamwork and collaboration
Accomplishments
- Published keynote speaker for the Women’s Network.
Certification
Certified Internal Auditor (CIA), Institute of Internal Auditors
Timeline
Sr. Audit Manager, VP, Payment & Fraud Operations
City National Bank
11.2023 - Current
Internal Audit Manager, AVP, Internal Audit Operations & Process Risk
Santander Bank, N.A.
09.2021 - 11.2023
Senior Supervisor, AVP, Internal Audit Operations and Process Risk
Santander Bank, N.A.
11.2019 - 09.2021
Supervisor, Internal Audit Operations and Process Risk
Santander Bank, N.A.
11.2017 - 11.2019
Compliance Officer II
Citizens Bank
12.2012 - 08.2013
Trust Officer
U.S. Trust Bank of America Private Wealth Management
02.2006 - 09.2011
Bachelor of Science - Business Administration
Salve Regina University
Certified Internal Auditor (CIA), Institute of Internal Auditors
Juris Doctor -
New England Law School
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