Andres Garcia

About Andres Garcia

I build compliance programs that scale.After 10+ years in financial services—from front-line AML investigations to leading a 22-person team at Interactive Brokers to managing enterprise compliance at a BaaS fintech—I\'ve learned that effective compliance isn\'t about saying \"no.\" It\'s about building systems that enable the business to move fast while managing risk intelligently.What I bring to the table:→ REGULATORY EXPERTISE: Deep experience across BSA/AML, UDAAP, NACHA, Reg E, OFAC, and consumer protection. I\'ve navigated regulatory examinations, negotiated audit findings, and built lasting relationships with banking partners and regulators alike.→ FRAMEWORK BUILDER: I don\'t just solve problems—I build repeatable systems. At Bluevine, I developed a Three-Tier Risk Scoring Methodology, a Compliance Issue Management system in JIRA, and a Proactive Risk Assessment Framework that\'s shifting us from reactive to predictive compliance.→ TECHNOLOGY-ENABLED: I use AI tools (Claude, ChatGPT) to build compliance automation—including a DDA Transaction Analyzer that categorizes transactions into risk buckets and flags AML typologies automatically. Compliance technology isn\'t replacing judgment; it\'s scaling expertise.→ TEAM LEADER: I\'ve grown teams by 35%, cleared 3,500+ case backlogs in under 30 days, and built training programs for 1,500+ employees. I develop people and build cultures of accountability.My background: JD from Cleveland-Marshall College of Law, CAMS-certified since 2019. I started in AML investigations, worked my way up through operations leadership, and now focus on strategic compliance program development.Currently at Bluevine in the Bay Area, open to conversations about Director, VP, or Head of Compliance opportunities in FinTech, BaaS, banking, or adjacent regulated industries.Let\'s connect: a••••••••@gmail.com

Experience

1. Senior Compliance Manager

   Bluevine

   May 2025 — Present · Redwood City, CA, US

   As a Senior Compliance Manager at Bluevine, I play a key role in overseeing and executing a comprehensive compliance program spanning BSA/AML, Third-Party Risk Management (TPRM), operational compliance, and compliance testing. Working within a dynamic, fast-paced fintech environment, I partner cross-functionally to ensure alignment with evolving regulatory requirements and internal business goals.Core Responsibilities:Oversee and ensure adherence to BSA/AML regulatory requirements, including transaction monitoring, suspicious activity reporting, and risk assessments.Manage and maintain documentation of compliance policies, procedures, and internal controls.Design and implement compliance strategies that support both regulatory obligations and business objectives.Monitor and optimize compliance operations, ensuring effectiveness, efficiency, and scalability.Lead the development and execution of compliance testing programs to assess and validate internal control effectiveness.Collaborate across departments to ensure strong alignment between business initiatives and compliance expectations.Act as a key liaison with auditors and bank partners, addressing regulatory concerns, resolving audit findings, and ensuring full regulatory compliance.Provide actionable guidance to senior management on compliance-related risks, findings, and strategic decisions.Support compliance initiatives related to regulatory change management, internal fraud investigations, and training development.Assist in the implementation of new compliance programs and enhancements, ensuring ongoing adaptability of the compliance function.

Education

• Edison Job Corps Academy

  GED, Welding Technology/Welder

• Kent State University

  Bachelor of Arts (B.A.), Political Science and Government/ Journalism and Mass Communications

  2006 — 2010

• Kent State University

  Bachelor's degree, Political Science and Government and Journalism

• Cuyahoga Community College

  Associate of Arts (A.A.), Mass Communication/Media Studies

  2004 — 2006

• Cleveland State University College of Law

  Juris Doctorate, Law

  2010 — 2016

• ITT Technical Institute

  Associate of Science (AS), Electrical and Electronics Engineering

  1998 — 2000