MIGUEL AGCAOILI
COMPLIANCE SPECIALIST
Chatswood,NEW SOUTH WALES
Summary
Dynamic Compliance Specialist with years of expertise in risk management and privacy compliance, demonstrated through effective individual contributor roles at major financial institutions such as Sun Life of Canada, Deutsche Bank, and Citibank. At Sun Life, I revolutionized data privacy incident tracking and managed comprehensive privacy frameworks across multiple entities, effectively implementing and training on pivotal systems like the Data Breach Notification Management System (DBNMS) and the Registration System (RS). My capacity to facilitate large-scale privacy training and manage critical regulatory reporting underlines my proficiency in driving compliance and mitigating risk. My previous tenure as a Divisional Risk Analyst at Deutsche Bank equipped me with advanced skills in risk control and data analysis, leveraging tools such as Alteryx Design Studio and Oracle SQL to enhance workflow configurations and regulatory reporting. My role demanded rigorous attention to detail in generating risk metric reports and performing control tests to meet Sarbanes-Oxley Act requirements, showcasing my ability to adapt and improve processes in high-pressure environments. From Citibank to Deutsche Bank, my career has been marked by significant achievements in compliance and risk management, including awards for audit readiness and process innovation. My continuous professional development in areas like data protection and financial sanctions underscores my commitment to staying at the forefront of industry best practices. My extensive experience and proactive approach position me as a valuable asset capable of delivering strategic insights and driving robust compliance frameworks for organizations.
Overview
20
20
years of professional experience
9
9
years of post-secondary education
Work History
Compliance Specialist – Privacy
Sun Life of Canada, Philippines Inc.
12.2019 - Current
- Improved Data Privacy Incident Tracking for Sun Life Group of Companies; significantly reduced YTD 2023 vs 2024 privacy incidents by 50%.
- Responsible for the management of Sun Life of Canada Philippines, Inc., (SLOCPI); Sun Life Grepa Financial, Inc., (SLGFI); and Sun Life Financial Plans, Inc. (SLFPI), Sun Life Asset Management Company Inc.; (SLAMCI), and Sun Life Foundation Privacy Distribution Lists.
- Efficiently manages privacy-related reports for senior management across all business entities, board reports, and regional operations.
- Independently conducted Privacy Impact Assessments with stakeholders across the business entities.
- Administered practical learning sessions on Privacy Training and Privacy Impact Assessments.
- Facilitated multiple virtual trainings for new hires, internal Business Units, and SLOCPI Advisors, with a maximum audience of 2000 participants.
- Delivered informative, face-to-face privacy training to 200 SLGFI Bancassurance Sales Officers.
- Effective and timely management of regulatory reporting in accordance with the Data Privacy Act of 2012 to the National Privacy Commission (NPC).
- Instrumental in the initial use, training, and succeeding registrations and formal use of NPC's 2 new systems: Data Breach Notification Management System (DBNMS) and Registration System (RS) - Registration of Data Protection Officers for 23 Sun Life Group of Companies.
- Reduced instances of non-compliance through meticulous monitoring of internal controls and periodic audits.
- Evaluated existing policies regularly, identifying areas for improvement and recommending revisions as needed.
Associate, Manager – Divisional Risk Analyst, SOx Control
Deutsche Bank Group, Philippines
05.2019 - 11.2019
- Responsible for the weekly generation of reports required for Global Testing and Performance tracking of risk metric controls for the bank to fulfill regulatory requirements under the Sarbanes-Oxley Act.
- Assists in the annual design certification of continued improvement of controls across the bank.
- Consolidates monthly reporting of Manila audit findings, significant incident risk events, and self-identified incidents for escalation to Senior Management.
- Provides data analysis, identifies, and evaluates potential areas of non-compliance or risk, assessing impact, probability, and defined risk tolerance, and presents findings and proposals for risk mitigation measures.
- Participates in risk and control activities, risk-based control reporting of key issues, performance, and validation of cyclical activities, such as annual control self-assessments.
- Actively engaged in control testing, incident research, remediation, and other ad hoc control initiatives and projects.
- Successfully created workflow configuration and analysis enhancement via Alteryx Design Studio.
- Initiated process improvements based on thorough analysis of internal operations data resulting in enhanced productivity levels.
- Managed cross-functional projects, ensuring timely completion and alignment with company objectives.
Associate, Manager – Credit Risk Data Unit
Deutsche Bank Group, Philippines
11.2016 - 04.2019
- Summit Global Credit Trading (GCT) & Emerging Markets (EM) Coordinator is responsible for risk data control processes and ensures that data loaded to the group regulatory reporting systems is complete, accurate, validated, and mapped to key reference data systems for the purposes of group regulatory risk reporting.
- Responsible for the timely delivery of feeds stated above with a combined total balance sheet exposure amount of 2.14 billion Euros spread across 231 trading books, the largest feed for Credit Risk Data Control Unit in Deutsche Bank Manila.
- Instrumental in process improvement simulations and successful transition from a business day 6 to a business day 5 system submission.
- Performs audits and updates supervisory QA checks per SLA on services delivered by the team and is the first point of escalation for team issues. Delivers production processes as needed during unscheduled leaves, stabilization of processes during platform changes, and other Business Continuity Plan scenarios.
- Knowledgeable in Oracle SQL programming language for data analysis.
- Coordinates and escalates outstanding issues to Team Lead, Operations Manager, and support teams, as needed. Monitors progress of implementation until resolution.
- Support Team Lead in the implementation of post-mortem team meetings to review performance metrics, identify key issues, propose, and drive action plans to resolve or mitigate said issues.
- Ensure proper load balance among team members; monitor OT levels and escalate any capacity issues to the Team Lead.
- Provides support to Team Lead on talent resourcing, succession planning, trainings, and development.
- Conducts regular review for updates made to process documentation, ensures, and assists team resiliency through cross-trainings and backups.
- Review MIS pack production/distribution and trend analysis, and associated reports for key stakeholders around key process indicators. Monthly submissions and the data quality should be considered.
- Continued KPI monitoring and MIS review/analysis.
- Feedback on performance objectives and individual performance versus Deutsche Bank standards for performance of resources; ensures proper audit engagement and coordination.
- Liaises with change teams for a remediation Book of Work based on diagnostics performed around data quality issues and processes.
- Coordinates with project team to drive completion of Book of Work and initiatives to improve existing processes, controls, and outputs.
Risk Policy Analyst 2, Assistant Manager – Compliance, Risk Management Officer
Citibank, N.A Philippines
08.2014 - 11.2016
- Consumer Quality Assurance Framework Coordinator – Performs monthly, quarterly, and semi-annual audits and assessments across the Global Consumer Bank for all products namely: Cards, Ready Credit and Personal Loans
- Conducts monthly QAF (Quality Assurance Framework) presentations along with the Risk Compliance team to the Country Risk Director, Card Risk Head and required stakeholders of the bank
- Report generation of internal risk audit to ensure that processes are aligned with the policies set forth by the bank in relation to Account Maintenance, Acquisitions, Control, Compliance and Governance/Regulatory, Portfolio Management and Third-Party Oversight
- Coordinates across several departments from Financial Control, Credit Operations, Collections, Credit Initiation, and Fraud to ensure that deliverables are provided on a timely manner
- Conducts data sampling generation, investigation, and exemption reports for the business for Monthly and Quarterly Validations for Risk Compliance across all products for several Risk Policies
- Budget Coordinator for Risk Management Unit; responsible for monthly and annual financial accruals for credit bureau related fees and payments, cost center expenditures and systems attestation
- Risk Excellence Awardee for Audit Readiness for FCR and BSP Audits October 2016 Knowledgeable in SAS Base and SAS EG implementation used for MIS analysis and data warehousing; also equipped with several Credit Decision Engine platforms used for software testing, policy implementation and process simulations.
Credit Initiations Supervisor, Credit Operations Officer
Citibank, N.A Philippines
03.2010 - 07.2014
- Co-managed 10 Credit Officers as Assistant Team Leader to achieve targeted volumes for credit card applications month on month.
- Arranged weekly meetings with Credit Acquisitions Head, and team leads to discuss production-related targets, initiatives, audit requirements, and goals set by Credit Operations Head.
- Exceeded the required productivity within the day and manages to maintain an average monthly productivity score of 2.8, versus the minimum required score of 1.
- Achieved an average monthly efficiency score of 277%.
- Awarded as one of the Top Contributors to the Global Common Project, Version 1.0, October 2013. Recognized for outstanding performance and dedication for testing for audit readiness.
- Director's Elite Choice Awardee, October 2012
- Evaluated existing operational processes and constantly checked for process improvement; streamlined controls to ensure effectiveness of current criteria, as it should be aligned against policies set forth by Collections and Risk Management.
- Conducted investigations for reconciliation of high-profile and high-risk credit card applications; chosen audit material for monthly, quarterly, semi-annual QAF documentation for risk management requirements.
- Credit Operations Top Performer for January and November 2011 – the only Junior Officer with less than a year of experience in the unit to be recognized by the bank.
- Pioneer processor of Instant Cards Issuance Program for Citibank Makati Walk-In Nth Card applicants; instantly issued plastic cards with a turnaround time processing of 2 hours upon walk-in application of the client – a 1st in the industry.
- Consolidation and maintenance of actual versus forecasted MIS of Monthly Credit Card Approvals, Rejections, and Cancellations for reporting to senior management.
- Processor of Citibank Guam credit card applications, which included assessing an applicant's credit performance using the Credit Bureau Report by Equifax and Bankruptcy Report by PACER.
- Strictly complied with all US fair lending and privacy regulations, such as Truth in Lending (TIL) and the Equal Credit Opportunity Act.
Loan Officer, Risk Mitigation Unit Officer
Citibank, N.A Philippines
12.2004 - 02.2010
- Ensured target bookings for the month are reviewed and booked accurately for rewrite. (Amnesty or Debt Restructuring program of the bank)
- Handled several Risk Mitigation programs, namely: Rewrite/Payment Assistance Program, Enhanced Payment Option, Promise Kept Enhancement, Hardship Program/Hardship Extension Program, etc.
- Arrangement and coordination of weekly and monthly meetings for the Risk Mitigation Unit team targets and objectives for submission to the Credit and Collections Team's Monthly Reporting.
- Consolidation and maintenance of actual versus forecasted MIS of Risk Mitigation Programs and bookings for reporting to senior management.
- Evaluation of existing operational processes and constant check for process improvement; streamline of controls and checks to ensure effectiveness of current criteria is aligned against policies set forth by Collections and Risk Management
- Conducts investigations for reconciliation of high-risk and defaulted applications; chosen audit material for monthly, quarterly, and semi-annual QAF documentation for Risk Management requirements.
Education
Master of Science - Entrepreneurial Management
University of Asia And The Pacific
Pasig, Metro Manila, Philippines 06.1999 - 06.2004
Primary and Secondary Education -
Ateneo De Manila University
06.1995 - 03.1999
Skills
Legal Research
Timeline
Compliance Specialist – Privacy
Sun Life of Canada, Philippines Inc.
12.2019 - Current
Associate, Manager – Divisional Risk Analyst, SOx Control
Deutsche Bank Group, Philippines
05.2019 - 11.2019
Associate, Manager – Credit Risk Data Unit
Deutsche Bank Group, Philippines
11.2016 - 04.2019
Risk Policy Analyst 2, Assistant Manager – Compliance, Risk Management Officer
Citibank, N.A Philippines
08.2014 - 11.2016
Credit Initiations Supervisor, Credit Operations Officer
Citibank, N.A Philippines
03.2010 - 07.2014
Loan Officer, Risk Mitigation Unit Officer
Citibank, N.A Philippines
12.2004 - 02.2010
Master of Science - Entrepreneurial Management
University of Asia And The Pacific
06.1999 - 06.2004
Primary and Secondary Education -
Ateneo De Manila University
06.1995 - 03.1999
Professional Development
- Targeted Financial Sanctions (TFS) Course
- Anti-Money Laundering & Counter-Terrorism Financing (AML/CTF) Fundamentals Course
- AMLC Registration and Reporting Guidelines (ARRG) Course
- Privacy Matters in a Technological World: Privacy and Data Protection Seminar – Workshop for Insurers
- Pearson Language Test - Superior English
- Privacy in Technology Trainee - Completed Course on Certified Information Privacy Technologists (CIPT) - International Association of Privacy Professionals
- Certificate of Completion LOMA 281 - Life Office Management Association (LOMA)
- Certificate of Completion – Primary Program - Certified Digital Marketer Acceleration Primary Program, eLearning Edge
References
Available upon request
Professional Development
- Targeted Financial Sanctions (TFS) Course
- Anti-Money Laundering & Counter-Terrorism Financing (AML/CTF) Fundamentals Course
- AMLC Registration and Reporting Guidelines (ARRG) Course
- Privacy Matters in a Technological World: Privacy and Data Protection Seminar – Workshop for Insurers
- Pearson Language Test - Superior English
- Privacy in Technology Trainee - Completed Course on Certified Information Privacy Technologists (CIPT) - International Association of Privacy Professionals
- Certificate of Completion LOMA 281 - Life Office Management Association (LOMA)
- Certificate of Completion – Primary Program - Certified Digital Marketer Acceleration Primary Program, eLearning Edge
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