Phone: 213.431.6424

I had the pleasure of working with Bob Flores in a most difficult situation where his performance was exemplary. He served as Chief Compliance and BSA Officer for a publicly-traded, '34 Act reporting bank and helped them resolve serious compliance issues

Partner at Horgan, Rosen, Beckham & Coren

I had the opportunity to work with Bob Flores on regulatory examinations and compliance matters. Bob is an excellent partner who collaborates positively and can be depended on for complete, accurate and timely engagement and delivering on projects. His wide ranging and extensive experience in banking is a real asset to an organization.

Sr. Vice President, Senior Compliance Officer - Citi

In our time together at AXP, I had the opportunity to work with Nariema on some large projects. I found Nariema to be very detail oriented and able to provide insight in developing 'end-to-end' solutions. Not content with just analyzing the obvious details, Nariema has the skills to look for the root causes, and the people skills to sell her ideas ot others, including more senior leadership. I would welcome the opportunity to work with Nariema again.

Global Procurement at American Express

Walter and I worked together on a difficult case involving guarantor deficiency issues. His experience in the banking industry was invaluable and his work as an attorney was excellent.

Civil Litigator at Law Offices of Kenneth H. Stone

I worked with Ms. Brenda West at a major financial institution on a Anti-Money Laundering project. Brenda is extremely knowledgeable in BSA/AML and was an essential part of the AML team. She is a highly skilled investigator/analyst and a detail oriented professional. Brenda is very dependable and worked long hours on the AML project which contributed significantly to production results.  

Furthermore, she has an excellent rapport with people from all walks of life. I am certain that Ms. Brenda West has what it takes to get the job done and any employer and/or educational institution would be doing a disservice to themselves if they did not take advantage of this young lady’s experience and talent.

Security and Financial Investigations Professional

Bob Flores is extremely knowledgeable in the fields of Risk & Compliance. His attention to detail and follow through are exceptional, which makes him a great asset to any organization. I had the privilege to work with Bob for almost two years at Banamex USA (BUSA – a subsidiary of Citibank, N.A.) and he was always courteous, professional and delivered quality work on time in a very challenging environment.

Sr. Vice President - Citi Holdings TMO

I have had the opportunity to work with Chuck Golden from 2009 to 2013. Chuck is an analyst of very deep and unmatched experience in many areas and with data and information that is varied from socio-cultural to financial to tactical to technical. 

What is so unique about Chuck is that he is able to link bits of data together from many, many different data sources and in such a way that they make a very compelling narrative to answer the who, what, why, when, where, and how questions that underlie the overall questions he is being asked to answer. This makes his analytic products very deep and broad such that they are very complete.

Chuck has also been a SME and tester for one of our analytic tools. As a top-notch analyst, his input has been invaluable to creating a UI and capabilities for our analytic tools that take into account ways analysts do their work and removes much of the complexity that is common in many other analytic tools.

Would I work with Chuck again? Absolutely! His insights are thoughtful and very provocative but he is able to show the “mind of the analyst” in such a way that a technologist can then take that information into account to create great tools.

Sr. Engineering Manager/Director; Project Manager; and Enterprise, CyberSecurity, Cloud, & Big Data Analytics Architect

Leo Ulfelder in all respects to work ethic, knowledge and understanding of Mortgage lending, operations and risk management, you'll not find a more knowledgeable person!

Leo understands the meaning of Balance Sheet Risk and overview as well as what it means to have a profitable organization.

Having worked with Leo now for many years have helped me grow in the business as well as a person and I'm better off to have met and worked with him.

Ventura County Bank

Nariema has always been very hard-working and extremely dedicated in her career. She is a strategic thinker and is an asset to any company.

Marketing at American Express

During 2006, I worked a major restatement of financials with Robert Robles. I found him to have extensive knowledge of several banking related FASB's, including SFAS 133 Accounting for Derivatives and Hedging and SFAS 115 Accounting for Certain Investments in Debt and Equity Securities. Robert is a talented accountant / financial analyst on the Controller/CFO level. He was pleasant, professional and ethical at all times. I believe Robert would be a tremendous asset to any company or project.

CPA

It is without hesitation that I recommend Nariema in any capacity that she is wanting to undertake, She is one of the most intelligent, insightful and diligent people I have had the pleasure of working with.

President at Jurist Printing

I have known Joe for over 7 years. I worked closely with him in my capacity as a Manager of Quality Assurance at FMER and later as a Colleague at Citizens Financial Group. Joe is an expert in the fields of fraud examinations, due dilligence activities and Risk Management. He brings boundless energy to the tasks at hand. His personable nature enables him to adapt to any situation. His strong leadership, organizational skills and focus on metrics make him a leader in the industry. Joe is a very good communicator and always keeps his stakeholders well informed and up to date. He is an individual of high integrity and can be relied upon to get the job done. I would highly recommend Joe to any organization without reservation. It was a great opportunity to work and partner with him. Joe Ciccolo will be an asset to any organization.

Vice President, Director of Internal Audit

I have had the pleasure of working with Rob Robles in a number of situations, both as a consultant and a peer. The strongest recommendation I can give him is to say that after working with him many times, I would consider it a privilege to work with him again. The influence of his dedication, initiative and integrity helped drive me to be both a better person and do a better job. 

He has strong analytical skills, knows how to follow through and eats deadlines for breakfast. I fully stand behind my recommendation for this man.

Instructional Designer /Project Manager at SOU

Had the pleasure of working with Bob Flores for over two years during a Consent Order remediation focused on BSA/AML and Transactions with Affiliates. Bob was a trusted adviser to our in-business risk group and counseled us on highly technical issues and provided us with critical analysis to make informed decisions. Equally important, Bob has the personal and soft skills required to be truly impactful and influential in a positive manner during a period of considerable change and stress on the entire organization.

Senior Risk Management at Citi

The relationship between project management and compliance management can sometimes be contentious, but my experience working with Bob Flores at the helm was positive, synergistic, and productive. Bob brings vision and insight to the role of project manager, and was able to utilize his in-depth knowledge of banking, BSA/AML, fraud detection, and regulatory compliance to assess what could and should be done.

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I have known Bob to be forward-thinking while still being pragmatic, and is able to understand the technical challenges faced by the banking industry, while still pushing to meet the needs of the regulatory environment. Bob’s assessments of compliance needs were objective and accurate, and his documentation and analyses were clear and concise.

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Bob is a flexible and innovative thinker, as capable working in teams within his company as he is working as a single contributor and as a partner with his clients. He's a supportive colleague, always willing to assist others in the achievement of their goals regardless of whether or not he gets the "glory" for his contribution. He is able to work at both strategic and tactical levels and communicate clearly with line level as well as C level executives. He has the ability to pursue both company goals and client goals to achieve the best result for each entity. Bob has also demonstrated a high level of personal integrity and strong moral fiber, so valued in the risk management field.

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Bob is an outstanding professional who is creative at developing "out of the box" and well-crafted BSA/AML compliance solutions to meet client needs. He is a proactive manager with great attention to detail on projects from start to finish, often going above and beyond and delivers on time. I highly recommend Bob and would look forward to working with him again.

Cathay Bank

Joe Ciccolo is truly the type of individual you want on your side. He has a specialized acumen that allows him to analyze intense concepts while integrating criminal justice theory and application into business intelligence. Joe is a born leader and a fantastic presenter with a great presence. He is an excellent researcher which allows him to validate his work. Joe also brings a wealth of experiences and scenarios that enhance his ability to provide meaning to those he works with.

Manager, Organizational Development and Training at Hershey Entertainment & Resorts

Nariema managed multiple programs for my company to process. Nariema exhibited stellar organization and communication skills. She was always available for questions and providing resolutions. Nariema was a pleasure to have worked together.

Data-Mail

I first met Bob Flores in 2014 when I was the CRA Officer at Citi/Banamex. Although we did not work together, I noticed his dedication and work ethic. He was always the first one in and the last one to leave. He has a unique ability to be professional and personable all at once. Many Citi and Banamex executives spoke very highly of Bob, his devotion to his clients is paramount, and his integrity is beyond question.

Sr. Vice President, Compliance & CRA - Grandpoint Bank

I worked with Joe at First Marblehead. We were both in the Governance, Risk and Compliance Group at the time. In working with Joe, I found him to be the consummate professional who always met or exceeded expectations regarding due diligence and investigative matters. He has a passion for his work that you do not see very often and I think he would make a valuable addition to an Enterprise Risk Management group.

Vice President, Senior Risk Manager at Citizens Bank

Leo is a pleasure to work with because he is extremely talented at all that he does and is very communicative in seeking out the right answers and methods for a solution. His diligence is forthright to evaluate credit situations and to make the correct recommendations as what should be done. Leo is well known within the industry and out of the specific industry all of the way to the top on a national level which says a lot for his abilities. I would like to recommend Leo for all matters relevant to Management and Operations.

DIRECTOR OF RECRUITING at ALTEK CORPORATE STAFFING

Dr. John Brown impressed me greatly for his rich knowledge and expertise. He always does lots of research and writes insightful articles. He is truly an expert not only much familiar with practices, laws in US, but also in Japan, China and other countries. He is by any means an excellent mentor for me. I am so grateful to him that I have learn a lot from him.

Banking & Financial Services

I have had the pleasure of working with Joe on a number of projects and issues facing our networking group. He has been both proactive and eager to advance the NU Alumni Network Exchange through active participation, creative suggestions and encouraging the group to branch out in new directions. He also has been helpful as a liaison to the Boston Alumni Chapter meetings. Joe is intelligent and hardworking and I would strongly recommend him.

Senior Training Specialist - Lean Academy Go and See Program

It was my great pleasure to work alongside Bob Flores in California. From the first introduction it was obvious that he had superior knowledge of bank security and money laundering. In the following months, he and I formed a very close working relationship and he never ceased to impress me with the breadth and depth of his banking knowledge and his ability to relate with and communicate to the most senior banking management. Bob is a consummate professional and of greatest value to any group to which he is assigned. Highest recommendation.

Former U.S. Intelligence Officer

Walter has an excellent working knowledge of all aspects of legal issues pertaining to the Banking industry, especially in the are of Real Estate Lending. It was a privilege working with him.

Civil Litigator

Marc is always professional even in dealing with difficult personalities. He is always able to stay on task and successfully complete his objectives.

Financial Services Policy & Procedures Writer

Cesar came to us with an impressive list of qualifications that included graduate work, corporate experience, and foreign languages. His patience, attention to detail, and work ethics helped us to consistently deliver quality investigative and consulting products. I recommend him without any reservation.

Owner, Security Arms International

Walter's mastery of banking law and his presentation skills have been invaluable in educating our consumer bankruptcy and foreclosure defense attorneys to provide maximum protection for their clients.

Socials Security Benefits Attorney

Marc took time to share his knowledge and skills on how to best approach risk and compliance. He is well organized and sees the big picture of a project. Cannot say enough great things about him.

Attorney

I have worked with Brenda for 2 years and her work was excellent.
She has shown knowledge and skills in any job she has performed.
I would always recommend Brenda for any position in her field.

It has truly been a pleasure to work with Brenda.
 

Sr. AML/BSA Investigator - CAMS - at US Bank

I had the pleasure of working with Bob Flores on a remediation project. His professionalism is excellent and has a great grasp of BSA Compliance. His knowledge and experience helped our bank meet project deadlines and regulatory expectations. He was easy to work with and discussed things thoroughly. I recommend any institution looking for a compliance expert who can make an impact to contact Bob and his team.

Standard Charter Bank

Beyond knowledgeable is how I would describe Bob Flores. I had the pleasure of working with Bob at Citi in 2013 & 2014 as part of an International Bank remediation project for Banamex. I was particularly impressed by Bob’s ability to quickly understand the various complex international business relationships that we reviewed. His experience and knowledge in BSA/AML Compliance was evident and well known throughout the project. His work ethic and professionalism are impeccable if not extraordinary. He was very well respected by his peers, bank management and executives.

Vice President / Treasury Management Sales Consultant at City National Bank

Brenda worked as an AML consultant on a long-term lookback project. She was an extremely valuable member of a large team involved with this project. She provided a high quality and efficient work product throughout the engagement, and demonstrated an outstanding aptitude for the AML issues encountered regarding the client.

Forensic Accounting and Anti Bribery & Corruption Expert

Bob Flores is one of the most talented bankers I have ever had the pleasure of working with. Not only is he efficient in his work, his in depth knowledge of compliance, core banking, and operations has led to new innovative solutions to problems in a hectic compliance riddled environment. During my time working with Bob his vast experience has resulted in interdepartmental cooperation, which was sorely needed at that time. His leadership has led to multiple interdepartmental projects as well as a cohesion rarely seen in larger organizations. Thanks for your help and expertise during my time at Citi Bob!

Vice President, BSA/AML Compliance - Citi