Ramiro Miqueli ueber die Anti-Geldwaesche Politik von Intertransfers

Der amerikanische Kongress genehmigte 1970 das Gesetz zum Bankgeheimnis (BSA - Bank Secrecy Act) welches 2001 durch den PATRIOT Act erneuert und geändert wurde. Das Gesetz zum Bankgeheimnis fordert unter anderen von den Finanz- und Kreditinstituten die vollkommende Zusammenarbeit mit den Regierungsbehörden, um möglichen Geldwäsche und anderen gesetzeswidrigen Aktivitäten nachzugehen.

Die Regierungsbehörde, welche für die Regelung und Einhaltung der Gesetze zur Geldwäsche (AML) zuständig ist, ist eine Unterabteilung des Finanzministeriums (FinCEN).

Die Hauptaufgabe jener Unterabteilung FinCEN ist die Absicherung des Finanzsystems hinsichtlich möglicher Fiskalverbrechen, einschließlich Terrorismusfinanzierung, Geldwäsche und anderer rechtswidriger Anstrengungen.

Die FinCEN hat deshalb Regulierungen und Richtlinien für gewisse Dienstleistungen auf dem Finanzsektor installiert, um dadurch eine möglichst exakte Übereinstimmung mit den BSA sicherzustellen. Die Richtlinien betreffen insbesondere jene Finanzunternehmen die folgende Dienstleistungen anbieten: die Ausstellung von Geldanweisungen und travelers checks, Einlösung von Checks, Währungswechsel, Geldwechsel, etc. Eine Zusammenfassung der vom Gesetz zum Bankgeheimnis (BSA) aufgestellten Bestimmungen sind unter anderem folgende:

• Das Aufstellen eines Anti-Geldwäsche Prgramms.
• Die Beglaubigung durch die FinCEN.
• Die Erneuerung der Beglaubigung alle zwei Jahre.
• Die jährliche Erstellung und Überholung/Aufrechterhaltung der Liste der Außendienstler.
• Das sofortige Berichten verdächtiger Aktivitäten der FinCEN nach Norm 109
• Das sofortige Berichten von Geldauszahlungen über 10.000$.

Das Anti-Geldwäsche Programm muss vom Finanzunternehmen schriftlich festgehalten werden und folgende Bestimmungen beinhalten:

· Die Installation interner Policen/Regeln, Handlungsweisungen und Kontrollmechanismen,

· Die Bestimmung eines Handlungsbevollmächtigen in Zusammenarbeit mit der FinCEN,

· Ein laufende Mitarbeiter Schulung; und

· Die Bereitstellung eines unabhängigen Prüfungsausschusses, welches die Kontrollmechanismen testet.

Während die gerade genannten Punkte die vier Eckpfeiler jenes Anti-Geldwäsche Programms darstellen, sollte ein effektives Anti-Geldwäsche Programm viele weitere detaillierte Handlungsbestimmungen und Kontrollmechanismen aufweisen, um die Risiken möglichen Missbrauches für Geldwäsche oder Terrorismusfinanzierung auf ein Minimum zu reduzieren.

InterTransfers, ein in Miami ansässiges Unternehmen, bietet unter anderen Dienstleistungen wie Währungswechsel, Geldwechsel, Überweisungen per Telegram und das Einlösen von Check an. Nichtsdestoweniger hat die Einhaltung eines effektiven Anti-Geldwäsche Programms die höchste Priorität von allem.

Ramiro Miqueli, President und Hauptgeschäftsführer gab diesbezüglich an, dass „InterTransfers sich dazu verpflichtet, nur in einer absolut sicheren und fehlerfreien Art und unter dem Gesichtspunkt legaler und ethische Standards Finanzgeschäfte zu tätigen. Aus diesem Grunde muss InterTransfers ständig in Übereinstimmung mit staatlichen Gesetzen und Vorschriften agieren.“

In Anbetracht dieser Verantwortung ist InterTransfers sich der möglichen Gefahren bewusst, Ziel von organisierten Verbrechen und anderen illegal operierenden Unternehmen zu sein. Miqueli betont deshalb die Wichtigkeit, um solche kriminellen Anstrengungen zu verhindern, dass InterTransfers über ein stabiles und effektives Anti-Geldwäsche Programm verfügt.

Veronika Foster ist zuständig für das Anti-Geldwäsche Programm und Schnittstelle zwischen InterTransfers und den staatlichen Behörden. Sie ist nicht nur Juristin, sondern auch speziell ausgebildet im Umgang mit Geldwäsche. Foster sagt dazu, „das Anti-Geldwäsche Programm wird kontinuierlich aktualisiert, um die jeweiligen neuen Direktiven und Empfehlungen der FinCEN und staatlichen Aufsichtsbehörden zu entsprechen. Organisationen wie die Fi$Ca und die Vereinigung Anti-Geldwäsche bieten spezielle Schulungen an, um den neuen Regulierungen stets Rechnung zu tragen.“

Im Folgenden werden einige Handlungsweisen und Maßnahmen des Programms bei InterTransfers aufgelistet:

· Handlungs- und Weisungskatalog,

· Ein Anti-Geldwäsche Programm,

· Geschäftspolicen,

· „Kenne deinen Mitarbeiter“ und „Kenne deinen Kunden“ – Police,

· Risiko-Beurteilung,

· Absprache mit FinCEN und staatlichen Behörden,

· Interne Kontrollmechanismen, um permanente Übereinstimmungen zu erzielen,

· Aufsichtsratbesprechungen und Bestätigung der Zuständigkeitsrates,

· Aneignung der Kooperationsbestimmungen durch den Aufsichtsrat,

· Schaffung eines Gremiums zur ständigen Zusammenarbeit mit den FinCEN,

· Spezielle Handlungsweisen für den Umgang mit Außendienstlern/Angestellten,

· Angemessene Sorgfalt bei der Auswahl von Angestellten und Kunden.

· Zusatzqualifikationen für Anti-Geldwäsche,

· Permanente Schulungen für Mitarbeiter und Angestellte,

· Überwachung/Aufzeichnung von Überweisungen,

· Erstellung strikter Vorgaben zur Bewertung der Kundenidentität,

· Unabhängige Prüfungsgremien des Anti-Geldwäsche Programms durch eine angesehene Firma,

· Dokumentation der Überweisungen nach den vorgegebenen Grenzwerten,

· Abteilungen zur Erfassung und Berichterstattung von verdächtigen Aktivitäten,

· Berichterstattung von Geldüberweisungen über 10.000$,

· Aufbewahrung der Buchhaltungsunterlagen für fünf Jahre.

Ramiro Miqueli gab ebenfalls bekannt, dass das Überwachungsgremium aus erfahrenden Schlüsselmanagern besteht, einschließlich dem Chef, dessen Verantwortung es ist zu gewährleisten, dass InterTransfers über ein stabiles und effektives Anti-Geldwäsche Programm verfügt. Das Gremium hält monatliche Meetings ab, um die derzeitige Effektivität des Programms einzuschätzen und zu überwachen. Dazu gehören auch zwei speziell für Geldwäsche ausgebildete Mitglieder. Durchgeführte Tests und Berichterstattungen haben ergeben, dass InterTransfers über eine stabiles und funktionales Programm verfügt, welches den Anforderungen der jeweiligen Gesetze (Bank Secrecy Act und Patriot Act) voll und ganz entspricht und somit zur Reduzierung der Risikos einer illegaler Geldwäsche beiträgt.

Die soeben festgehaltene Schlussfolgerung wird gestützt durch einer ähnlich geleistete Meinung in den letzten drei Jahren von der Firma Kroll – welche eine der Fachfirmen auf dem Gebiet zur Beurteilung von Anti-Geldwäsche Programmen ist.

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Ramiro Miqueli German Biography

Ramiro Miqueli German Biography

Ramiro Miqueli ist ein mehrsprachiger Management Experte mit vielseitiger internationaler Erfahrung in Leitung und Finanzierung in Branchen wie Werbung, industrieller Produktion, Medien und Verlagswesen.

Er lebte 19 Jahre in seinem Geburtsort San Antonio de los Banos in Havanna, Kuba, wo er auch seine elementare Schulbildung erhielt. Kuba ist die größte Insel der großen Antillen und liegt 90 Meilen südlich der USA zwischen dem Golf von Mexiko, dem Atlantischen Ozean und dem Karibischen Meer. San Antonio ist eine typische Spanische Kleinstadt 18 Meilen südlich von Havanna. Die Einzigartigkeit der Stadt zeigt sich in einem kleinen Fluss, der die Stadt durchquert aber nicht direkt im Meer mündet, sondern für eine lange Strecke unterirdisch weiterfließt, bevor er im Karibischen Meer mündet.

Ramiro Miquelis Vorfahren waren Italienisch und Spanisch, sein Stammbaum lässt sich bis 1725 zurückverfolgen. Sein Vater, Miguel Miqueli, war zwanzig Jahre lang Vorsteher des Amtsgerichts in San Antonio, bevor er eine erfolgreiche Karriere als Unternehmer begann. Er beschäftigte über 250 Leute in einer Bäckerei, zwei Ziegelbrennereien und 15 Mietshäusern in Havanna. Ramiros Mutter widmete ihr ganzes Leben der Erziehung von fünf Kindern; Jose, Miguel, Ramiro, Oscar und Mario. Ramiros Eltern und der jüngste Bruder sind inzwischen verstorben.

Ramiro Miqueli beendete seine Grundausbildung in der Privatschule Academia Atenas als respektierter Schüler. Die Highschool beendete er an einer anderen Privatschule, der Pitman Acadamy. Danach schrieb er sich als Student für Elektroingenieure an der Universität Havanna ein.

Nach der kommunistischen Revolution in Kuba 1959 entschiedet seine Familie 1961 in die USA zu emigrieren. Sie kamen nach New York, zogen aber kurz später weiter nach New Jersey. Seinen ersten Job fand Ramiro als Tellerwäscher in New York. Seine Familie eröffnete Juwelierläden in New Jersey und erhielt nach fünf Jahren die amerikanische Staatsbürgerschaft.

1964 wurde Ramiro Miqueli in die US Army eingezogen und leistete zwei Jahre seinen Militärdienst in einer Kavaleriedivision in Vietnam. Nach seinem aktiven Dienst, schrieb er sich 1966 an der New York University und später am St. Peters College in New Jersey ein, wo er 1970 mit einem Bachelor in Mathematik abschloss.

Im College lernte Ramiro seine spätere Frau Mary kennen, die an der Rutgers Universität Literatur studierte. Sie heirateten im August 1970 und lebten für 26 Jahre in New Jersey.

Neben einem Vollzeitjob erlangte Ramiro Miqueli noch einen Master in Management 1977 von der Fairleigh Dickinson Universität und später einen Master in Verwaltung wieder am St Peters College 1995.

Seine Karriere begann bei AtlanticRichfield, Inc., einer großen Ölfirma als Programmierer und Analyst, wo er an der Entwicklung eines neuen Gehaltsabrechnungsprogramms beteiligt war.

1972 wechselte Ramiro Miqueli zu Shering-Plough, Inc., einer internationalen Pharma Firma als Manager für Verkäufe und Verfahrenstechnik. Sein internationales Einsatzgebiet erstreckte sich auf die USA, Lateinamerika und Europa.

1981 ging Ramiro Miqueli zu CBS Inc., der größte Medienkonzern der USA, als Wirtschafts- und Steuerprüfer. Er arbeitete erfolgreich mit vielen Mitarbeitern und verhalf der Firma zu einer signifikanten Steigerung der Betriebsergebnisse.

Nach zwanzig Jahren bei CBS gehörte er zu der Führungsriege und war Vizepräsident von TeleNoticas, einem Kabelkanal, der in Spanisch und Portugiesisch nach Lateinamerika sendet. Nebenbei betreute er die hispanischen Internet Suchmaschine LATAM und etablierte den Fernsehkanal CBS Brazil, der auf Portugiesisch von Miami nach Brasilien sendete.

1990 verabschiedete sich Ramiro Miqueli von CBS und startete mit vielen Partnern UnDosTres.com, eine Firma die online Radio- und Fernsehshows für die Spanischsprachige Bevölkerung Amerikas ausstrahlte. Erfolgreich sammelten sie über drei Millionen Dollar Startkapital und schlossen Werbeverträge in Höhe eine Viertelmilliarde Dollar ab.

Die Firma wurde ein voller Erfolg und nach zwei Jahren verkaufte Ramiro Miqueli seine Anteile und widmete sich anderen Unternehmungen.

2004 ging Ramiro Miqueli als Geschäftsführer zu InterTransfers Inc., einer Firma die Finanzdienstleistungen anbietet. Als Geschäftsführer leitet er das Tagesgeschäft und erschließt neue Märkte. InterTransfers operiert hauptsächlich im Überweisungsbereich und wird hauptsächlich von Auswanderern genutzt, die Geld an Ihre Familien in der Heimat schicken.

Zusammen mit anderen Partnern rief Ramiro Miqueli ein effizientes Anti-Geldwäsche Programm ins Leben, welches die Selbstkontrolle und die Zusammenarbeit mit den entsprechenden Behörden fokussierte.

Neben seiner vielen Arbeit, genießt Ramiro Miqueli das Leben mit seiner Frau Mary, seinen beiden Söhnen und zwei Enkeln in Palmetto Bay, Florida.

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Ramiro Miqueli: Freedom of Speech

Factual or Sensational News?

Freedom of expression is a constitutional right and a right guaranteed under international law to speak freely without censorship. This right allows individuals to disagree with others, including the government and powerful organizations, which by their own might may try to suppress, silence, intimidate or embarrass others. The right is not confined to verbal speech, but it tries to protect any act of seeking, receiving and imparting information or ideas, regardless of the medium used.

Some suggest that avoiding accountability is the main reason why governments suppress free speech. For that reason, the Freedom of Speech is a right protected by the Constitution, the highest law of the land. However, it is also well established that the First Amendment right does not protect a person in cases where the speech involves defamatory statements or speech that would cause generalized panic reactions, fighting or inflamatory words, speech that would incite people to commit crime or speech where obscenities are expressed. Sensational news that by innuendo, suggestion or implied figures result in one of the exceptions, such as defamation of character, should not have First Amendment protection either.

Journalists have the right to publish stories and express their points of views. The media is one of the most powerful vehicles to report news, share information, create and document history. Television, radio, cable, newspapers, magazines and on-line blogs are part of our daily lives.

But with freedom comes responsibility. News published should be factual, well balanced and must be true statements. Objective news demand objective research and verification of facts to convey the truth. Defamation, negligence and sensational stories where the facts are either totally untrue or are exaggerated have been in the increase among reputable television news, newspapers and organization news. Some believe that American main television organizations (CBS, NBC, ABC and CNN) and newspapers (The New York Times, the Washington Post, Associated Press) are driven by program ratings and sensational news to improve their gains, regardless of whether anyone is dragged through the mud by defamatory statements made in the process.

Dan Rather anchored CBS Evening News since 1981 until his demise in March 2005. At the end of Rather's time as anchor, CBS nightly news program was behind in the ratings. Criticism of Rather reached a new low after 60 Minutes ran Rather’s report about President’s Bush military record. Critics questioned the authenticity of the documents supporting the report, which turned out to be forgeries. Rather retired under pressure as the anchor of the CBS Evening News in March 2005. Was Rather’s demise caused by poor ratings? Was the culprit an uncontrolled pressure to air sensational news that would improve the ratings? Was it biased reporting? Maybe irresponsible journalism? And at the end of it all, how would President Bush’s reputation be restored?

In February 2008, the Associated Press published an article about a civil action filed by the US Government against several Colombian bureaus of exchange houses or “Casas de Cambio”. The headline was, “Huge drug euro laundering scheme found.” The article read, as though it was a matter of fact, “crime is happening right on schedule in Miami…” While the article clearly states that the law enforcement authorities have been unable to find evidence for their allegations, the article goes on describing what seems to be merely the U.S. Justice Department’s wishful theory described as a complex arrangement involving money exchange businesses in Colombia, American and British airlines and financing firms in Miami and London. The article also states –arguably to avoid any lawsuits-- that the companies involved have not been accused or charged with any wrongdoing.

The U.S. Attorney for the U.S. District Court of Southern Florida assigned to this case apparently decided not to pursue the case for lack of evidence. In February 2008, the U.S. Justice Department went to federal court in Miami and filed a civil action --not a criminal one-- to seek forfeiture of approximately $11 million. However, the Justice Department “negotiated” the return of the funds with the Casas de Cambio without arguing the case in court for lack of evidence. The article mentioned nothing about the speedy negotiations initiated by the U.S. Government to return the funds it had seized. Was this omission purposely made to create sensational news? Not having charged, arrested or convicted any individual or company, why was this article ever published? Is it responsible journalism?

Another story of irresponsible journalism seems to be the case of an article published by The New York Times on February 21, 2008 about Senator John McCain, GOP presidential front runner for the presidential election in November. The article suggested the occurrence of a romantic (improper) relationship between Senator McCain and Vicki Iseman, who is a lobbyist. Even though McCain’s advisors provided ample proof to The New York Times about the truth of the matter, it published the story anyway without giving any consideration to the damage it would cause to the reputation of Senator McCain and Ms. Isemen. Was that article published because the story had sexy overtones that would make sensational news about the GOP presidential front runner? Was it published with the distinct purpose to harm Mr. McCain’s campaign because of The New York Times’ liberal political views? Was it irresponsible reporting?

While freedom of speech is a constitutional right, it should not be used by the media as a license to publish irresponsible articles filed with sensational statements with the knowledge that the mere mention, suggestion or innuendo of sex, money and politics will result in better ratings and an easy buck while at the same time unfairly destroying the reputation of law abiding citizens and companies.

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InterTransfers: Press Awards

Press Awards

In 2007 the “Raspamania” T.V. commercial created for InterTransfers was the winner of the Press Award 2007. The commercial was created by Vitale Advertising and was produced, directed, shot and edited by Mr. Neil Nunez and n2 Productions Group.

The “Raspamania” commercial was broadcast to reach the Brazilian American population in the continental United States. The 30-second commercial promoted InterTransfers’ remittance services to Brazil through its network of owned and operated stores as well as agents throughout Florida, Massachusetts, Connecticut, New Jersey, Georgia and South Carolina.

InterTransfers is a money services business authorized to operate in the states mentioned above and it is registered with the federal authorities. Although the “Raspamania” commercial only advertised the remittance services and only targeted the Brazilian American market, InterTransfers is not limited to that market or to that type of service. In addition to the money remittance services to Brazil, InterTransfers also provides remittance services to the Hispanic countries in Latin America, such as Ecuador, Peru, Honduras, El Salvador, Colombia, Panama and other countries of destination. InterTransfers also offers foreign currency exchange services in the state of Florida with as varied an inventory of currencies as to include, euro, Mexican pesos, Brazilian reais, Colombian pesos, Bahamian Dollars, Danish crowns, Japanese Yen, among many others.

InterTransfers also offers whole sale check cashing services in the state of Florida only to about over 60 customers.

In 2008 InterTransfers plans to launch, with the invaluable help of Vitale Advertising, a series of new commercials to promote its remittances to Brazil and other countries, as well as other services. It is to hope that more Press Awards are still to come.

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InterTransfers, Ramiro Miqueli

Portuguese:
InterTransfers é uma companhia voltada a soluções financeiras. InterTransfers atende as necessidades do público no que diz respeito principalmente a envios de dinheiro ou remessas. InterTransfers tem mais de vinte anos da experiência no Mercado Internacional em câmbio de moedas, envio de dinheiro e outros. InterTransfers é uma companhia americana autorizada pelo Departamento de bancos do Estado da Flórida para compra e venda de moedas. InterTransfers é também autorizada para envios e recebimentos de dinheiro. Além InterTransfers é autorizada para money orders e prestação de services co-ligados.

Spanish:
InterTransfers es una compañía que enfoca asuntos financieros. InterTransfers atiende las necesidades del publico, especialmente en lo que respecta a envío de remesas de dinero. InterTransfers tiene más de veinte años de experiencia en el Mercado Internacional en cambio de monedas, envío de dinero y otros. InterTransfers es una compañía Americana autorizada por el Departamento Bancario del Estado de la Florida para compra-venta de monedas. InterTransfers también es autorizada para el envío y recibo de dinero. Además InterTransfers Money Orders y prestación de servicios correspondientes.

English:
InterTransfers is a company that focus on financial solutions in assisting the public. InterTransfers principally works in matters of money remittance. Altogether InterTransfers has more than 20 years of experience in currency exchange. InterTransfers also has 20 years experience in money remittance, and other endeavors. InterTransfers is an American corporation authorized by the State of Florida to buy and sell currency. InterTransfers also does remittance. In addition, InterTransfers receives money orders and perform other co-related services.

InterTransfers

InterTransfers é uma companhia voltada a soluções financeiras e atende as necessidades do público no que diz respeito principalmente a envios de dinheiro ou remessas. InterTransfers tem mais de vinte anos da experiência no Mercado Internacional em câmbio de moedas, envio de dinheiro e outros. InterTransfers é uma companhia americana autorizada pelo Departamento de bancos do Estado da Flórida para compra e venda de moedas, e envios e recebimentos de dinheiro, money orders e prestação de services co-ligados.

InterTransfers

InterTransfers is a company that focus on financial solutions in assisting the public principally on matters of money remittance. Altogether InterTransfers has more than 20 years of experience in currency exchange, money remittance, and others. InterTransfers is an American corporation authorized by the State of Florida to buy and sell currency, remittance and receiving money orders and perform other co-related services.

InterTransfers

InterTransfers es una compañía que enfoca asuntos financieros y atiende las necesidades del publico, especialmente en lo que respecta a envío de remesas de dinero. InterTransfers tiene más de veinte años de experiencia en el Mercado Internacional en cambio de monedas, envío de dinero y otros. InterTransfers es una compañía Americana autorizada por el Departamento Bancario del Estado de la Florida para compra-venta de monedas, envío y recibo de dinero, Money Orders y prestación de servicios correspondientes.

InterTransfers

InterTransfers é uma companhia voltada a soluções financeiras e atende as necessidades do público no que diz respeito principalmente a envios de dinheiro ou remessas. InterTransfers tem mais de vinte anos da experiência no Mercado Internacional em câmbio de moedas, envio de dinheiro e outros. InterTransfers é uma companhia americana autorizada pelo Departamento de bancos do Estado da Flórida para compra e venda de moedas, e envios e recebimentos de dinheiro, money orders e prestação de services co-ligados.

InterTransfers es una compañía que enfoca asuntos financieros y atiende las necesidades del publico, especialmente en lo que respecta a envío de remesas de dinero. InterTransfers tiene más de veinte años de experiencia en el Mercado Internacional en cambio de monedas, envío de dinero y otros. InterTransfers es una compañía Americana autorizada por el Departamento Bancario del Estado de la Florida para compra-venta de monedas, envío y recibo de dinero, Money Orders y prestación de servicios correspondientes.

InterTransfers is a company that focus on financial solutions in assisting the public principally on matters of money remittance. Altogether InterTransfers has more than 20 years of experience in currency exchange, money remittance, and others. InterTransfers is an American corporation authorized by the State of Florida to buy and sell currency, remittance and receiving money orders and perform other co-related services.

Ramiro Miqueli; InterTransfers Profile

Intertransfers Cards, Inc

261 Ne 1st St Fl 1, Miami, FL 33132-2515, United States (Map) (Add Company Info)

Phone: (305) 537-5500

SIC:Business Services, NEC

Line of Business:Business Services

deVere & Partners Offshore Investment Advisers and Financial Services

Profit-Based Pricing Profit-based Pricing for Banking and Finance

Industry Research, 24/7 Infiniti Research is a leading intl bespoke market research company.

The ads are not affiliated with Intertransfers Cards, Inc

Detailed Intertransfers Cards, Inc Company Profile

This company profile is for the private company Intertransfers Cards, Inc, headquarters located in Miami, FL. Intertransfers Cards, Inc's line of business is business services.

Company Profile: Intertransfers Cards, Inc

Year Started:2001

State of Incorporation:FL

URL:N/A

Location Type:Headquarters

Stock Symbol:N/A

Stock Exchange:N/A

Also Does Business As:N/A

NAICS:N/A

SIC #Code:7389

Est. Annual Sales:$6,304,506

Est. Employees:49

Est. Employees at Location:41

Contact Name:Ramiro Miqueli

Contact Title:President & Chief Executive Officer

Data above provided by D&B.

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Ramiro Miqueli

Ramiro Miqueli is a multilingual senior executive with over 35 years of international and domestic experience in Fortune 500 management, pre-IPO startup, operations and finance spanning alternative financial services, broadcasting, entertainment, publishing, manufacturing and Internet operations.

Born in San Antonio de los Baños, Havana, Cuba in 1942, Ramiro Miqueli completed Ramiro Miqueli's elementary and high school education and lived there until the age of 19. Cuba is the largest island of the Greater Antilles and is 90 miles from the USA between the Gulf of Mexico, the Atlantic Ocean and the Caribbean Sea. San Antonio is a typical small Spanish town located 18 miles south of Havana. The town is unique in that there is a river running through it, but this river does not run into the ocean. Instead, it submerges under ground into a cave, where it travels underground for miles to reach the Caribbean Sea.

Ramiro Miqueli’s family was from Spain of Italian ancestry. Ramiro Miqueli has been able to trace Ramiro Miqueli's ancestry back to 1725 in Spain and Italy. Ramiro Miqueli's Father, Miguel retired after 20 years as the Secretary of the Municipal Court in San Antonio de los Baños and began a successful career as an entrepreneur. Ramiro Miqueli's father employed over 250 employees and owned a bakery, two tile factories and 15 apartment buildings in Havana. Ramiro Miqueli's mother, Estela, was the matriarch of the family and dedicated her life entirely to raising five children: Jose, Miguel, Ramiro Miqueli, Oscar and Mario. Both parents and the youngest brother are now deceased.

Ramiro Miqueli completed elementary studies at a private school in San Antonio de los Baños, Academia Atenas, where Ramiro Miqueli was an honor student. Ramiro Miqueli completed Ramiro Miqueli's high school education at another private school, Pitman Academy. Before starting electrical engineering undergraduate studies at the University of Havana, Ramiro Miqueli participated in sports. Ramiro Miqueli achieved a green belt in judo and practiced competitive sports such as basketball and swimming.

Ramiro Miqueli and Ramiro Miqueli's brothers enjoyed a privileged, happy life until Cuba went through a Communist revolution that brought misery and chaos to the island in 1959. While Cuba had problems prior to 1959, the Miquelis enjoyed democratic rights such as elections, liberty, equality, decency, justice, private property and freedom of the press, religion and travel. These rights were ruthlessly taken by one of the most brutal dictatorships in the world.

Fearing for the safety of the family, the Miqueli family decided to seek freedom and arrived legally as permanent residents in the United States in 1961. The Miqueli family settled first in New York in 1961, but relocated to New Jersey in 1962. Ramiro Miqueli's first job in New York was washing dishes. In New Jersey, the Miquelis were successful in establishing jewelry stores. The entire family became American citizens after the required five years as permanent residents in the USA.

In 1964, Ramiro Miqueli responded to the call of duty and served active duty for two years in the US Army. Ramiro Miqueli spent a tour of duty in Vietnam with the Calvary Division and was honorably discharged from the US Army Reserve on February 28, 1970. After completing Ramiro Miqueli's active duty in the US Army in 1966, Ramiro Miqueli attended New York University in New York and enrolled at St. Peter’s College in Jersey City, New Jersey, where Ramiro Miqueli graduated with a Bachelor of Science degree in Mathematics in 1970.

While attending college, Ramiro Miqueli met Mary, who was attending Rutgers University and graduated with honors and a Bachelor of Arts degree in Literature in 1970. They were married on August 30, 1970 and lived in New Jersey for 26 years.

While holding a full time job, Ramiro Miqueli earned a Master’s Degree in Management Science from Fairleigh Dickinson University, New Jersey in 1977. Ramiro Miqueli later attended St. Peter’s College again to study Accounting during 1993 to 1995.

Ramiro Miqueli's early career was at AtlanticRichifield, Inc., a $20 billion dollar oil company where Ramiro Miqueli worked in Management Information Systems as a Programmer/Analyst in New York. As part of the development team, Ramiro Miqueli participated in the development of a new Payroll System.

In 1972, Ramiro Miqueli joined Schering-Plough, Inc., a $14 billion dollar pharmaceutical company with operations in 30 countries, as a Lead Analyst and Project Leader in Sales and Accounting Systems. After completing Ramiro Miqueli's post-graduate studies in 1976, Ramiro Miqueli was transferred to Corporate Audits, where Ramiro Miqueli was involved in assessing accounting and manufacturing systems. This position required extensive travel to Latin America and Europe. Ramiro Miqueli oversaw multidiscipline audits of operations in USA, Latin America and Europe, supervising 19 auditors.

In 1981, Ramiro Miqueli joined CBS Inc., the largest broadcast network in the USA with revenues now exceeding $50 billion dollars annually as a Regional General Auditor of International operations. At CBS, Ramiro Miqueli excelled in auditing, accounting, finance, business development and sales. Ramiro Miqueli traveled extensively throughout the USA, Latin America and Europe. Ramiro Miqueli successfully orchestrated audit plans and schedules to protect Company’s assets and ensure compliance with policies and procedures, as well as reduced outside audit costs 15%. Ramiro Miqueli oversaw financial and operational audits after CBS/Westinghouse merger and performed due diligence on two major acquisitions, as well as developed much-needed methodology to tighten risk-based controls for a 40-country, $30 billion organization.

After almost 20 years at CBS, Ramiro Miqueli was considered one of its key employees. Ramiro Miqueli's latest position was as the Executive Vice President & General Manager of CBS TeleNoticias, a TV cable company with 260 employees that broadcasted in Spanish and Portuguese to 19 different countries.

While at CBS TeleNoticias, Ramiro Miqueli led the growth of US Hispanic and LATAM sales from $2.5 million to $4.5 million in six months. Ramiro Miqueli also played a major role in international cable TV network, which reached 50 million households. Ramiro Miqueli’s greatest accomplishment at CBS TeleNoticias was the development of the Portuguese-language cable network, CBS Brazil, to broadcast in Portuguese to Brazil from Miami.

Ramiro Miqueli retired from CBS, Inc. in 1999. With several partners, Ramiro Miqueli started UnoDosTres.com, which offered television and radio programming in Spanish to the Hispanic population and to Latin America. Ramiro Miqueli and Ramiro Miqueli's partners successfully raised $3.1 million in capital from private investors and secured partnership agreements worth $250 million in advertising and programming content. After two years, Ramiro Miqueli sold Ramiro Miqueli's shares of UnoDosTres.com and embarked in other ventures.

During the last nine years, Ramiro Miqueli has been involved in developing emergent private companies such as UnoDosTres.com. The most recent ones of note are IPP of America, Inc. and InterTransfers, Inc.

Ramiro Miqueli joined IPP of America, a company specializing in providing payment solutions to people without access to bank accounts, the so-called under-banked community. While at IPP, Ramiro Miqueli introduced new products and services which contributed over 20 percent profit margin and implemented cost-saving plan, slashing 80% ($3.2 million) of in-house maintenance expense.

In May 2004, Ramiro Miqueli joined InterTransfers as an officer and as the President and Chief Executive Officer. InterTransfers is an American company that is incorporated in Florida. It provides currency exchange, money transfers, wire transfers and wholesale check cashing. At InterTransfers, Ramiro Miqueli has full responsibility for directing day-to-day operations; for increasing sales and profits; and for ensuring compliance with all regulations and internal controls. Ramiro Miqueli increased revenue by $6.0 million and profits by $4.5 million during first year and penetrated new markets in Florida, Georgia., Connecticut, New Jersey, Massachusetts and South Carolina, as well as the United Kingdom, Spain, Portugal, Switzerland and Germany.

Using the services of InterTransfers, Latin Americans can send money to their loved ones back home in a fast and reliable way. to Argentina, Bolivia, Chile, Colombia, Costa Rica, Ecuador, El Salvador, Dominican Republic, Guatemala, Honduras, Mexico, Nicaragua, Panama, Paraguay, Uruguay y Venezuela. The services are also available to the United Kingdom, Spain, Portugal, Switzerland and Germany, where payments are made in Euros, British Pound or Swiss Francs.

Together with other qualified and experience executives, Ramiro Miqueli devoted many hours of hard work during several months to establish a robust anti-money laundering program and a strong Compliance Department. InterTransfers is in full compliance with its regulatory requirements and has a functional compliance program in place to reduce the risk associated with money laundering and other illicit activity.

Ramiro Miqueli is currently in the process of completing the acquisition of a major money transmitter company in the United States. InterTransfers is waiting for the approval of the different states for the change in control. This acquisition is expected to be completed by May 2008 and will add another 200 agents to InterTransfers.

Ramiro Miqueli was a former member of the Board of Directors of the International Council of the National Academy of Television Arts and Sciences (2000); former Director of the Spanish Mercantile Federation, Union City, New Jersey (2003-2004); and served in the Board of Directors of IPP of America, Inc. (2007).

While Ramiro Miqueli has been a successful executive, Ramiro Miqueli maintains that Ramiro Miqueli's greatest enjoyment and accomplishment in life is creating a family. Ramiro Miqueli has been married to Mary, a senior executive in advertising and marketing, for 37 years and was blessed with two handsome sons, one grandson and one granddaughter.

Ramiro Miqueli resides with Ramiro Miqueli's wife Mary in Palmetto Bay, Florida and spends long week-ends with Ramiro Miqueli's sons and grandkids.

about me

16185 SW 84th Place 305-495-7178

RAMIRO MIQUELI Miami, FL 39157

Multilingual senior executive with international and domestic experience in Fortune 500 management, pre-IPO startup, operations and finance spanning broadcasting, entertainment, publishing, manufacturing and Internet operations who

Ramiro Miqueli improved operating results by $6.9 million or 32 percent through improved sales and cost controls.

Ramiro Miqueli played major role in international cable TV network, reaching 50 million households.

Ramiro Miqueli led growth of US Hispanic and LATAM sales from $2.5 million to $4.5 million in 6 months.

Ramiro Miqueli Spearheaded the 1^st Spanish-language Internet TV network from business plan to reality.

Ramiro Miqueli is a skilled negotiator who establishes strategic partnerships leading to growth and profit.

• Negotiated agreement worth $3.0 million to merge electronic operations with funds transfer.

• Secured partnership agreements worth $250 million in advertising and programming content.

• Produced $2.8 million savings by negotiating innovative exchange with networks in Colombia, Argentina and Brazil.

• Raised $3.1 million in capital from private investors.

Ramiro Miqueli is a Leader in business development adept at tapping into new markets.

• Introduced new products and services which contributed over 20 percent profit margin.

• Grew business from zero to 750,000 subscribers in 1st 12 months; generated $4.2 million revenue in 1st full year.

• Increased revenues 150% by initiating co-branding agreements in diverse areas including e-commerce.

Ramiro Miqueli is a creative problem solver with a keen eye for proactive process improvement.

• Developed strategy that resulted in the creation of two new sales territories having over 450 new agents.

• Identified and implemented cost-saving plan, slashing 80% ($3.2 million) of in-house maintenance expense.

• Orchestrated audit plans and schedules for company assets totaling $20 billion. Reduced outside audit costs 15%.

Ramiro Miqueli

Master's in Management Science (MBA), 1976, Fairleigh Dickinson University, Rutherford, NJ

Bachelor's in Mathematics & Accounting (Pi Mu Epsilon), 1969, Saint Peter's College, Jersey City, NJ

Post-graduate studies in Computer Science

Ramiro Miqueli is a US citizen open to international relocation/travel. Excellent health; daily runner. Fluent in Spanish, English and Portuguese.

InterTransfers, Inc., Miami, FL, May 2004 – Present

President and Chief Executive Officer

• Directs day-to-day operations to increase sales and profits and ensure compliance with regulations and internal controls.

• Increased revenue by $6.0 million and profits by $4.5 million during first year.

• Established four new sales territories in Georgia, Connecticut, New Jersey, Massachusetts, UK, Portugal and Spain.

IPP of America, Inc., Fairfield, NJ, 2001- 2004

Chief Operating Officer

• Directed day-to-day operations of alternative financial services and electronic transactions exceeding $700 million annually.

• Developed and executed sales and marketing plan to increase sales by 34 percent and profits by 32 percent.

• Improved operating results by $3.9 million by re-structuring departments and reducing operating expenses.

UnoDosTres.com Inc., Miami, FL, 1999-Present

Executive Vice President and CFO / Director of the Board

• Authored business plans that raised capital and expanded operations by 200%.

• Produced $1+ million revenue stream with innovative media proposals.

CBS Corp., New York, NY, 1981-1999

CBS TeleNoticias (Miami, FL, 1996-1999)

Executive Vice President and GM / Board of Directors Secretary ('98-'99)

• Led $36 million P&L / operations of 24-hour TV network broadcasting in US, Canada and 20 Latin American countries.

• Within 6 months, reached 20%+ of US Hispanic market.

Vice President of Finance and Business Development ('97-'98)

• Secured unique arrangement with 2nd largest network in Brazil to provide its local news from US via satellite.

• Eliminated $3.5 million in operating expenses and $2 million in news gathering costs.

Vice President and Controller ('96-'97)

• Key role in acquisition of bankrupt company; improved A/R collections 15% via aggressive cash flow procedures.

CBS Corporate Headquarters (New York, NY, 1981-1996)

Director and General Auditor ('95-'96)

• Oversaw financial and operational audits after CBS/Westinghouse merger. Performed due diligence on 2 acquisitions.

• Developed much-needed methodology to tighten risk-based controls for 40-country, $20 billion organization.

Regional General Auditor, US Operations ('87-'95), International Operations ('84-'87), Latin America/Europe ('81-'84)

• Managed up to 31 auditors. Introduced annual cost reductions of $1.7 million and tax savings of $2.8 million.

Schering-Plough Corp., Kenilworth, NJ, 1971-1981

Manager, Corporate Audits (after 10 previous promotions)

• Oversaw multidiscipline audits of pharmaceutical operations in US, Latin America and Europe, supervising 19 auditors.

AtlanticRichfield, New York, NY, 1970-1971

Programmer Analyst – Developed and maintained a payroll system for 30,000 employees.