Compliance
Unidos is committed to remain in the forefront of anti-money laundering compliance in the money transfer industry. Full compliance with all federal and state regulations is paramount to Unidos’ operational and business success.
We have assembled what we believe is one of the most rigorous and compliance savvy management teams in the industry. As an established business in a regulated industry for seven years prior to the launch of Unidos, we cut no corners when it came to establishing a world-class oversight and leadership team that not only understands the compliance obligations of a heavily regulated industry, but also understands technology and systems in order to successfully weave them into our offerings.
- Licensing – Unidos is licensed in more than a dozen states as a money transmitter and is continually adding new states to our national footprint.
- Oversight and Leadership – In addition to our Executive Leadership through Vivaro Corporation, we have a team of highly experienced Unidos Executives and Directors.
- Annual Independent Review and Audit – In addition to our strict internal corporate governance standards and annual financial statement audit by Grant Thornton, Michael McDonald & Associates audits our compliance and risk management procedures.
- Active Unidos Agents – Current Unidos agents receive regular business and compliance training. If you have any comments, questions or require any guidance or support, please contact us at compliance@unidosfinancial.com
Unidos’ Board of Directors is fully committed to strict compliance with all anti-money laundering laws and regulations, and expects and requires a similar level of commitment from all of its officers, employees, agents, partners and representatives.
In enforcing Bank Secrecy Act regulations, the Financial Crimes Enforcement Network (“FinCEN”) mandates that Unidos develop, adopt and maintain a risk-based, anti-money laundering (“AML”) compliance program. Unidos complies with this requirement by implementing compliance policies, controls and procedures which ensure that all corporate activities are conducted in full compliance with all federal and state government regulations. Furthermore, as a licensed Money Transmitter (MT), Unidos has met strict licensing requirements in all of the states in which it conducts business. Those licenses are typically renewed annually and Unidos has successfully passed all state audits and independent auditing examinations since inception.
UNIDOS EXECUTIVES AND DIRECTORS
John has been a lifetime entrepreneur and innovator with several successful private-equity backed companies. Over the last ten years he has founded and run companies in early growth stages that have challenged the ‘traditional ways’ of doing business and competed successfully against much larger publicly financed companies. Always focused on making technology work for consumers, John led one of the first companies to offer cable television, telephone and internet service over one proprietary Hybrid Fiber Coax network, commonly referred to by the large cable and telecom operators as the “triple-play”. Not only have these businesses delivered superior products and services to their consumers, but they have also delivered exceptional returns to their shareholders. His experience bringing to market consumer friendly products in high technology environments has been a key ingredient to establishing Vivaro (through its subsidiaries) as a key destination point for Hispanics looking to find highly relevant and reliable communication and financial services solutions.
Dan is the business and strategic leader of Unidos, which he founded and launched in 2007. He also oversees all of the day-to-day operations of this rapidly growing business. Previously, he served as the Vice President of Business Development for Vivaro where he led new product development, including Unidos, and helped build and expand the company's direct-to-store distribution network. His background includes counseling and advising numerous venture funds and emerging growth companies at Gunderson Dettmer and has held several other positions working with venture and private-equity backed companies, including Pfizer-Shiley. Dan holds a BA in Economics from Georgetown University, a JD from Northwestern University School of Law and took advanced coursework at Kellogg School of Management.
Juan is responsible for the company’s Anti-Money Laundering (AML), Countering the Financing of Terrorism (CFT) and regulatory compliance risk management infrastructure. He also serves as strategic lead on data analytics and business process management initiatives, and works with business and technology stakeholders to design and implement a world-class consumer services and market intelligence infrastructure. Previously, he was Chief Compliance Officer of Remesas Quisqueyana, Inc. where he was responsible for all aspects of the company’s AML, CFT and regulatory compliance Programs for Canada, Italy, Spain and the US. Juan has over 12 years of academic and managerial experience, as well as eight years' experience of building and managing compliance programs and operations across multiple national and international jurisdictions. A Certified Anti-Money Laundering Specialist since 2003, Juan is today recognized as a leading developer of compliance and risk management best practices for the money remittance industry, and speaks frequently at industry forums and events. Juan holds multiple Applied Linguistics-related degrees from Universidad del Salvador and an MBA from Universidad de Palermo in Buenos Aires.
Augusto manages the company's Accounts Payable, Accounts Receivable and Treasury operations. He also serves as the company's main liaison with major domestic and international financial institutions and possesses a strategic role in developing new financial products and services. Previously, Augusto held the position of Money Remittances Manager for Remesas Quisqueyana Inc, where among other responsibilities he oversaw overall product quality, managed the product's financial performance and was the main liaison with its foreign correspondents. Augusto has also worked in banks such as Brown Bother’s Harriman & Co. and Century Bank of Massachusetts and for multinational companies like Bristol-Myers Squibb. Augusto holds an MBA from Suffolk University in Boston, and a B.A. in Business Administration from the Dominican Institute of Technology
