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Consuelo Fernández

Professional Status



About Me

Versatile financial services and management professional with 14+ years’ experience elevating productivity, efficiency, regulatory compliance, security, and profitability of diverse operational platforms. Builds and leads dedicated teams of up to 5 staff focused on achieving objectives in alignment with strict policies, procedures, and guidelines. Nurtures collaborative work environments on global levels, driving sustainable business growth, service quality, and superior customer journeys. Advanced communicator with all levels of staff, management, and clients in English and Spanish:

- Achieved and maintained top client satisfaction and retention by working closely with individuals to assess and address individual needs.
- Provided teams with training, guidance, support, resources, and motivation to succeed within high-pressure environments.
- Successfully orchestrated investigations ranging in scale and complexity, blending advanced analytical, financial, and business acumen.
- Generated revenue and account base growth through strategic promotions, customised product presentations, and effective development / allocation of key talents.


Treasury Specialist

Since August 2018
Responsibilities completed
  • participate in Global Tresury Integration/Centering Projects
  • Perform Settlements / Confirmations related to Capital Markets, Short Term Investments, Foreign Exchange, Intercompany Loans, Interbank transfers and Borrowings.Coordination and execution of Treasury transactions which involve: large cash amounts, multiples currencies, adherence to cut-off times and coordination with Legal Entities across the globe.
  • Follow established standard operating procedures and recommend updates and/or changes when required.
  • Assess problems quickly and provide the appropriate resolution steps with the least amount of end user interruption
  • Drive Process Improvement and Standardization
  • Review and update of Global Operating / desk procedures
  • Promote adherence to internal control standards and promote security awareness to ensure system security
Responsibilities completed
  • Deliver analysis and support of OTT (Other Type of Tasks) within TRMS division of Amazon focused on UK and ES marketplaces. Plan and coordinate Amazon Payment Europe Compliance Department operations. Drive continuous improvements and overall productivity within high-pressure service platform.
    • Conduct comprehensive investigation into suspicious activities, identified and targeting risks to company and customer profiles.
    • Verify authenticity of customer activities through Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) investigations – utilising internal / external systems, databases, and other resources.
  • Key Contributions:
  • Played an instrumental role in ensuring compliance with regulations as well as corporate policies / procedures in anti-money laundering and counter-terrorism financing (AML / CTF) in addition to consumer protection and privacy.
  • Managed KYC process, encompassing investigation and verification of merchant accounts.
  • Maintained high levels of security via screening of customers through internal / external OFAC and PEP databases.
  • Pinpointed fraud patterns / trends as well as implement appropriate procedures to minimise impact.
  • Ensured quality maintenance of TRMS and compliance documentation in alignment with SOPs.
  • Implemented quality assurance and maintain related controls focused on investigators.
  • Collaborated in overall upkeep of site quality through enforcement of Amazon’s policy guidelines
  • Oversaw high-profile escalations, ensuring timely responses and resolutions.
  • Reduced staff attrition through effective management, motivation, coaching and engagement of 20 staff.

Accounts Assistant

Kerry Group
November 2015 to February 2016
Responsibilities completed
  • Provided validation, registration, and processing of AP invoices (Kofax / SAP / Open Text). Liaised with vendors regarding accounts payable as well as statements.

Branch Manager

June 2007 to August 2013
Responsibilities completed
  • Directed branch operations encompassing effective allocation and coordination of 5 member team. Managed all aspects of risk mitigation, reporting, and renewals.
  • Key Contributions:
  • Elevated branch performance, driving attainment of productivity goals, quality standards, and service level agreements via close monitoring and hands-on coaching.
  • Optimised performance of each staff member by working with individuals to address training needs.
  • Strategically managed portfolio of business and personal clients focused on enhancing their banking experience.
  • Researched and identified new business opportunities on local and international levels
  • Drove efforts to sustain growth across personal and commercial accounts.
  • Fuelled revenues 20M€ in the areas of lending, investments, and new account development.
  • Tracked, documented, and resolved customer complaints as well as payment issues.

Branch Manager

Banesto (Santander Group)
December 2004 to May 2007
Responsibilities completed
  • Led all aspect of financial services and sales operations, including building, training, and coordination of talented team 5
  • Key Contributions:
  • Boosted staff performance through coaching, support, and motivation.
  • Grew client base through strategic management of business development functions.
  • Functioned as primary point of contact for field operators, assisting team in attainment of challenging goals
  • Maximised client satisfaction, retention, and referrals via quality servicing in alignment with bank standards.

SME Relationship Manager and Customer Advisor of Financial Products

Banesto (Santander Group)
June 2000 to December 2004
Responsibilities completed
  • Accurate monitoring of risks
  • Monitoring of risks and their behaviour
  • Proactive management of the aftercare of credit risk and asset risk combined with comprehensive portfolio reporting.
  • Identification of commercial and financial needs Renewal of the risks in the client portfolio