Ricardo Crespillo Romero

Develop analytical solutions and internal software with Python, SQL and data tools to prepare datasets, automate technical controls, validate information and generate reproducible outputs. Contribute to the technical lifecycle of Probability of Default (PD) models, from data preparation and exploratory analysis to segmentation, performance evaluation, parameterization and documentation. Evaluate models and predictive drivers using IV, Gini, AUC, PSI, stability, sensitivity, distributions and count validations to assess robustness, traceability and discriminatory power. Worked on credit model reviews and analysis for portfolios such as UK mortgages, RNH Spain and Mexico credit cards, including support for evidence, data packs and regulatory review. Configure, test and validate AML systems such as Norkom / NetReveal for Transaction Monitoring, Customer Screening and Payments Screening, including rules, thresholds, end-to-end flows and alert quality. Analyze false positives, data traceability and production behavior to improve the operational quality of complex financial systems

Analyzed and validated data for anti-money laundering (AML) projects, ensuring consistency, traceability and information quality. Configured, reviewed and tested scenarios in NetReveal for Transaction Monitoring, supporting the validation of rules, thresholds, alerts and data flows. Prepared technical and functional documentation for results, issues and validations, collaborating with distributed teams to support follow-up, decision-making and deliverables