WHO WE ARE
CIMA Financial Regulation Consultants, LLC is led by Carlos González-Stawinski. Carlos is an Attorney with a Masters of Laws (LLM) in Financial Services Law from Kent College of Law and with over 20 years of experience in financial services laws and regulations. Carlos started his career as a Legal Counsel for the Puerto Rico Office of the Commissioner of Financial Institutions where led enforcement cases against registered representatives and broker/dealers as well as developed securities and capital markets regulation for the Commonwealth.
Since then, he has occupied Senior leadership positions in leading global financial institutions where he has been instrumental in promoting a safe and sound business environment that has enabled growth.
Throughout his career, Carlos has occupied leadership positions at both regional and international financial institutions:
Chief Compliance Office – Popular Securities, Inc.
Chief Compliance Officer – Citi International Financial Services, LLC
Head of Investments Supervision - Citi International Personal Bank
Head of Investment Supervision for the Americas – The Citi Private Bank
Member of the Citi Fiduciary Committee (Investment Advisory)
Board Member Citi Private Advisors (brokerage and investment advisor)
Member of the Citi Global Markets, Inc. Regulations Committee
Member of the Citi International Personal Bank Product Committee
Chair of the Citi International Personal Bank Offshore Wealth Services Committee
Responsibilities and Key Projects
Manage Compliance Program for Regional and International broker/dealer.
Manage Supervision Program for International broker/dealer.
Lead Latin America Expansion program for International broker/dealer, including establishing branches in offshore locations.
Reorganization of Supervisory Footprint to gain efficiencies by creating a centralized supervisory utility.
Enhance and create broker/dealer Written Supervisory Procedures for both Domestic and International brokerage business.
Manage Supervisory oversight program for Investment Advisory Business.
Contribute to remediation projects for both broker/dealer and investment advisory business.
Sandra Malavé
Sandra is a seasoned attorney with over 10 years of experience in labor law litigation and employee relations. Sandra started her career as an Associate Attorney at several law firms in Puerto Rico. She later became a Special Legal Assistant to the Administrator of the Puerto Rico State Insurance Fund where she advised on legal matters relating to workers compensation, health insurances and labor disputes. In 2015, Sandra obtained her Certificate of Special Needs Advocacy from the William and Marry College of Law to help parents of special needs children in advocating their children’s rights within the public education system. Currently, Sandra is a Consultant with CIMA FRC where she is responsible for performing due diligence on behalf of our clients and for assisting during client reviews and tests.
Sandra obtained her Law Degree from the Pontifical Catholic University School of Law in Ponce, PR (CUM LAUDE), where she was member of the Law Review. In addition, Sandra obtained her bachelor’s in business administration from the University of Puerto Rico - Mayaguez Campus with honors (MAGNA CUM LAUDE). She has also been named to the US National Dean Lists.
In addition to her work at CIMA FRC, Sandra volunteers her time to being an Advocate for parents with Special Needs Children. During her spare time, Sandra enjoys spending time with her family, reading and paddle boarding