Fernando Gomez Tirado
Model Risk & Analytics Associate @Santander Private Banking International
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WORK HISTORY
Model Risk & Analytics Associate @Santander Private Banking International
Miami, FL, US
Orchestrated BSA/AML model validation frameworks by performing detailed documentation reviews and rigorous data integrity testing, ensuring strict compliance with SR 11-7 and OCC 2011/12 regulatory mandates.• Implemented advanced data quality controls, achieving a 5% reduction in data errors and a 15% improvement in consistency across compliance reporting.• Led model risk management initiatives, including below-the-line and stress testing validations, and produced executive-level quantitative reports that accelerated regulatory reporting and streamlined workflows.• Delivered strategic insights by presenting key risk metrics and analytical findings to cross-functional stakeholders, aligning data-driven compliance initiatives with regulatory requirements and institutional risk appetite.• Drove model optimization efforts by partnering with Model Risk Management to validate complex statistical methodologies, enhancing risk rating models with new quantitative variables and improving high-risk account monitoring by 6%.• Architected robust model testing frameworks, leveraging advanced statistical techniques and translating technical findings into actionable insights for technical and non-technical stakeholders.
EDUCATION
University of West Florida
B.S.B.A. in Finance with Minor in Management
Florida State University
Master of Science - MS, Business Analytics
Tennessee Wesleyan University
Bachelor's of Business Administration
ABOUT FERNANDO GOMEZ TIRADO
Data Scientist and Analytics professional with 3+ years of experience in machine learning, statistical modeling, and data engineering across financial services and healthcare. Experienced in Python, SQL, Scikit-learn, Pandas, NumPy, R, Tableau, Power BI, and Looker. Comfortable owning the full analytics lifecycle — from ETL pipeline design and feature engineering to model validation, stakeholder reporting, and production deployment.At Santander International Private Banking, I lead model risk management and AML/BSA analytics for three production models, applying hypothesis testing, cross-validation, and quantitative variable enhancement to improve high-risk detection accuracy. Prior to that, I built supervised machine learning models in a clinical data science role, achieving 82%+ predictive accuracy and reducing adverse outcomes by 13% across a 350+ patient cohort.My work sits at the intersection of data science, quantitative risk, and business strategy — which means I\'m equally comfortable building a random forest classifier, presenting findings to a C-suite, or structuring a financial model from scratch. I\'ve done all three across the U.S. and Latin America.Core competencies: machine learning · predictive modeling · data analysis · business intelligence · model risk management · statistical analysis · A/B testing · data visualization · ETL pipelines · regression analysis · NLP · financial modeling · risk analytics · cross-functional collaboration · data storytellingLanguages: Spanish (Native) · English (Fluent) · Portuguese (Proficient)Open to Data Scientist, Data Analyst, Analytics Engineer, Strategy Analyst, and Quantitative Risk Analyst roles.
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