sentaire Partners services for our Clients

ServicesRisk Management! ! ! ! Execution Management Process Optimization ! ! ! ! Implementation ManagementInformation Management !! !

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SERVICES FOR OUR CLIENTS

Execution management is our passion and focussentaire Partners is a boutique p ro f e s s iona l se r v i ce s and delivery f irm with f inancial industry expertise and functional competency in Informat ion T e c h n o l o g y , C r e d i t a n d Opera t iona l R i sk , P rocess O p t i m i z a t i o n , C o s t M a n a g e m e n t ," Ac q u i s i t i o n I n t e g ra t i o n P l a n n i n g a n d Execution, and Organization Modeling.We assist clients in developing and implementing strategy in the areas of Risk Management, Information Frameworks, Business Processes,

Implementation Management, and Strategic Staffing and Research.

sentaire Partners consist of a team of former financial services Senior E x e c u t i v e s a n d “ B i g F o u r ” c o n s u l t a n t s t h a t a r e h i g h l y experienced professionals who are passionate about results. Our mission is to enhance our clients’ performance, profitability and our focus is bottom line results. We focus on advising Financial Services Insti tutions and Capital f irms. "Assist ing our cl ients to make informed decisions regarding their IT

investment s trategy, por t fol io m a n a g e m e n t , o p e r a t i o n a l efficiencies and internal controls, by leveraging the knowledge and experience of our subject matter experts — all who have extensive r e a l w o r l d d o m e s t i c a n d international experience in their respective arena.

Results, pragmatism, resilience, efficiency, security, control and compliance is the core DNA of our entire team.

sentaire Partners, LLC 8004 NW 154th Street, #670 Miiami Lakes, FL 33016 T 352.356.8636 F 917.677.4761 www.sentaire.com

Risk Management

Internal Control

Compliance

Credit and Operational Risk

Fraud Management

Enterprise Resilience

Internal ControlEnsuring that your organization has effective controls is critical to developing and safeguarding the organizations value and preventing financial and reputational loss. Effective controls is more than just regulatory compliance - they provide the platform to help manage business growth, protect margin and safeguard assets. We assist organizations to develop and implement effective controls. Our entire team is made up of former banking executives with deep and broad global banking experience. Frequently, cost pressures, headcount reductions and process changes, as well as the increasing complexity of information systems, result in critical business processes - whether operational or financial - not being well controlled.We can work with your organization at all points of the internal controls lifecycle and evolution. For example, we can assist your organization to ensure that the right controls are incorporated when change (new or modified process) is occurring. We can also quickly diagnose a control problem and design and implement the most effective solution to realize efficiencies and prevent further financial loss. Our Internal Controls advisory service includes a comprehensive assessment of your entire internal Controls and compliance system through:

• Business Process Modeling and System Review• Risks Assessment and Control Gaps Analysis• Controls Enhancement and Documentation• Controls Validation and Evaluation• Fraud Investigation, Deterrence and Prevention• Training

We bring significant experience and industry knowledge to every assignment. "Our objective is to assist our clients in developing, modifying and implementing controls that mitigate fraud, reputational and financial reporting risk and monetary loss.

ComplianceWe assist your organization by helping to define the policies, standards, tools, roles and responsibilities necessary to implement an effective AML program. "We can also evaluate revisions or alternatives to an organization’s existing AML program and its components. "Additionally, our experienced professionals can assist your organization’s compliance function by conducting an independent risk survey to identify significant regulatory risks. Our Compliance Advisory service includes:

• AML/BSA Compliance program"• Know Your Customer (KYC) and Enhanced Due Diligence• Know Your Workforce• Know Your Vendors• Managing a Regulatory Directive or Enforcement Event• Suspicious Activity Investigation• Independent Assessment of an Institutions AML Program•

It doesn't work to leap a twenty-foot chasm in two ten-foot jumps.

Collaboration is critical. We work as an advocate for our clients to identify and implement the appropriate process to ensure compliance and reporting obligations. This is key -- the right balance between too much and too little control.

Our capabilities:Sarbanes-Oxley ComplianceRisk and control environment evaluationIT controls and planningControl gap identification and remediationTechnology evaluation and implementationProgram & Project management

Value:Cost managementIncreased automationKey IndicatorsReduce number of key controlsPrioritize remediation effortsD eve l o p t r u s t e d a u d i t o r / r e g u l a t o r


Credit and Operational Risk Using the International framework, we review or implement a Basel II program for your

o rgan iza t ion , ensur ing t hat y o u r o r g a n i z a t i o n h a s t h e a p p r o p r i a t e p r o c e s s e s , o r g a n i z a t i o n and information

technology to effectively manage regulatory and reporting obligations. In terms of Operational Risk we focus our services in the following areas:

• Internal Fraud - misappropriation of assets, tax evasion, intentional miss-marking of positions, bribery.

• External Fraud- theft of information, hacking damage, third-party theft and forgery

• Clients, Products, & Business Practice- market manipulat ion, ant i t rus t , improper trade, product defects, fiduciary breaches, account churning

• Damage to Physical Assets - natural disasters, terrorism, vandalism

• Business Disruption & Systems Failures - utility disruptions, software failures, hardware failures

• Execut ion, Del ivery, & Process Management - data entry errors, accounting errors, failed mandatory reporting, negligent loss of client assets

Our"Credit Risk" services are focused around Information Technology and the related operational processes to ensure the quality, timeliness of data and an organization’s overall IT architecture that enables it to effectively source exposure and risk data to accurately calculate capital adequacy requirements.

Fraud Managementsentaire offers complete Investigative and Fraud Management Services that protect the

assets, integrity, and reputation of its clients. We accomplish this by offering in!h o u s e p r o f e s s i o n a l i n ve s t i g a t i v e

and intelligence services, by partnering with law enforcement agencies and government officials, ensuring

the protection of our clients information. Today’s fraudsters are extremely sophisticated and well organized. Fraud is a significant cost to doing business, directly impacting a corporation’s bottom line. It is imperative that corporations deploy the most effective tools and best practices to combat and minimize their risk.

Corporate Analytics Research and Intelligence sentaire’s information analytics, Research and Intelligence experts provide our clients with a specialized global investigative research and analytical resource, in support of (AML) anti money laundering, due diligence and pre!employment screening needs, including but not limited to; complete criminal background checks, credit reports, employment, and education degree verification. Hiring the right employees requires that a client has access to accurate and timely information. Pre-employment screening/ background checks, can minimize potential future risk from employees and vendors. Our investigative team willl source, analyze and provide the information.

Corporate Internal Affairs (CIA)sentaire’s Corporate Internal Affairs experts are specially trained in internal investigations and resolution of employee defalcations, conflict of interest situations, fraud related claims, large operating loss issues and related matters. Our advisors will work closely with in-house counsel, external legal counsel, representatives of other financial institutions, internal auditors and law enforcement, ensuring proper management of the case. Identifying and documenting control issues, lessons learned and best practices." Our advisors promote a strong corporate control environment by working with our clients to increase awareness of business risks or vulnerabilities, during the development of new products and systems.

Enterprise ResilienceEnterprise Resilience is the ability to rapidly adjust and transform business in response to any change in order to prevent and mitigate hazards, capture opportunities, create competitive position, and improve shareholder value." sentaire Partners offers an array of services related to increasing Enterprise Resilience."

• Service Continuity Assessment and Enhancements

• Governance • Asset Definition and Management • Resilience Communications - Training

and Awareness • Resilience Requirements Definition

• Measuring, Monitoring and Analysis• Incident Management Response • Technology Resilience• Third-party Resilience

The benefits of this service include:

• Protection of brand and core earnings• Greater agility to respond or change

direction as required• Faster and more controlled response to

unexpected events• Short-term cost savings driven by

operational efficiencies• Competitive advantage, particularly in

new and emerging markets

Process Optimization Service

A number of Business Process Management (BPM) companies discuss how their product allows you to optimize processes by simply clicking a button." It is unrealistic to believe that a functional area can extend to processes outside its immediate scope of control, in reality most corporate cultures do not empower just one person alone to change thresholds, adjust approval levels, or make massive changes to longstanding business processes. In most cases, process involves collaboration and many decision-makers.The key to Process Optimization is to provide a way to make short-term changes within your control while quickly collaborating to implement longer-term process improvements. It’s also about balancing I.T.’s control over mission critical infrastructure with the need for business people to make changes themselves.

We have a proven methodology for optimizing and fine-tuning business processes across an organization and borders. We implement a set of best practices for:

• Identifying the most relevant key performance indicators to track, and practical approaches to making them available to people who need them


• H ow t o a n a l y z e a n d i m p r ove operational processes once problems are identified."

• Discuss the impact of corporate cultures and how it affects short and long term optimization of business processes.

• Imp lemen t i n c remen ta l p roces s improvement within a BPM framework for continuous innovation and ROI.

Departmental overlap and duplicated efforts can cost a bank significant dollars in lost revenue and misplaced resources. Whether or not your organization has undergone a recent merger or acquisition, process optimization should probably be a priority. Generally, almost any process can be improved.sentaire Par tners br ings considerable experience and a proven methodology to Process Optimization. We specialize in i m p l e m e n t i n g o v e r a l l o p e r a t i o n a l improvements, reducing risk and improving customer service. Our focus and emphasis on p roduc t i v i t y im p rovemen t , r evenue enhancement and expense reduction leads to

direct bottom line benef its for our clients t h r o u g h p r o c e s s improvement, a u t o m a t e d s o l u t i o n s , consol idat ion

and convers ion consul t ing, and r i sk management.Our broad and deep banking experience has been gained by successfully executing at global and complex financial institutions. Our team has successfully completed optimization projects for a large and complex multi-national in different regions. Our use of a proven methodology and best practices results in a customized approach to your organization’s needs, we will work very closely with your staff to stay focused on ongoing business activities.We design, develop and implement new process flows and technology that will optimize your operations.We adhere to defined measurements and controls that result in reduced risk and planning time. We provide extensive program management leadership and we partner with your organization to effectively manage strategic and operational challenges.Our proven and flexible approach to Process Optimization leads to incremental solutions for continuos innovation and ROI. Our core services are:

• Process Optimization• Process Mapping and Redesign• Software and Systems Review

• Benchmark enhancement and/or creation

• Capacity Management Tools• Staffing Models• Service Quality Evaluation• Key Performance metrics• Continuous improvement methods

We assist banks by providing advisory consulting and business practice improvement. We have identified several areas of expertise, including Project Management, through which we assist financial institutions to become more profitable by reducing expenses, increasing revenue, streamlining processes, and by helping them increase customer satisfaction.

Information Management Services

As technology has advanced, the variety, types and sources of information have exponentially multiplied. Accurate and timely information enables an organization to better manage its business—from interacting with customers to making strategic, financial, managerial and operational decisions.

sen ta i re ’ s approac h to i n f o rma t ion management is focused on integrating and

managing all the diverse information a s s e t s necessar y to plan and r u n a demanding f i n a n c i a l

services high-performance organization. Our Information Management Services consist of a network of professional with deep industry skills, experience and knowledge in information management processes, strategies and technologies."sentaire offers a range of Information Management services to harness structured and unstructured data, present it to users via por tals or wikis and ensure that the underlying data is managed properly. Our proven enterpr ise view approach to information management can help your organization achieve high performance, increase productivity and speed up the information delivery process. We also provide due di l igence in the evaluation and acquisition of technology.

Research and InsightsAt sentaire, we also work with research organizations to gain access to experts in all

areas of information management who have points of view on the latest trends and developments in this field. Tap into this thinking by reviewing the information posted in our web blog.

Execution Management

ServicesAn integrated approach to assis t ing organizations to focus on getting the “right things done.”By assisting them to link the three important aspects of an organization: s t r a t e g y , ope ra t i on s and people. Our services are geared to p rov ide Program and P r o j e c t Management for:

• Planning and executing new initiatives• Controlling “runaway” projects which are

draining budgets, resources and have no end in sight

Our methodology is intended to ensure a cont inuos l inkage be tween s t rategy, operations and people. By thinking of them in tandem, as opposed to separately, we help organizations to more productive and robust outcomes. Execution oriented companies like follow-up.

Implementation and Management Services

We offer Implementation and Management services by collaborating with “road tested” strategic organizations in the following areas:

• Business Process Modeling tools• Executive and O&T Staffing• Information Security

• Biometric platform• Planning and strategy

• Infrastructure• Performance Management • Engineering• Management tools


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sentaire Partners, LLC

8004 NW 154th Street, #670

Miami Lakes, FL 33016

Our Team Edmundo LLopisPrincipal

Jaime ArcilaSenior Advisor

Herbert (Herb) BeyenbachSenior Advisor

Edwin (Ed) SherinSenior Advisor

Alain SimardSenior Advisor

Hans Gyllstrom, PhD.Senior Advisor

Ravi RamanSenior Advisor

Michael GrandcolasSenior Advisor

Simona DeFeoSenior Advisor

Advisory Board

Armando Fuentes

Dan Schutzer, PhD.

Contact us @[email protected]

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sentaire Partners services for our Clients