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LINKEDIN LINK AVAILABLEExecutive Summary:Dedicated professional Certified Compliance Officer (NCCO) skilled at conducting research and analysis to ensure regulatory compliance. Extensive knowledge in reviewing financial transactions and Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) policies, banking/credit union practices, protocols, and laws to explain complex financial and legal matters better. Adept at making independent work-related decisions based on banking/credit union risk assessments, policies, and procedures. Assessed data and implemented compliance plans to maximize efficiency and transparency for operational processes.Job-Related Summary: National Association of Federally Credit Union (NAFCU) Certified Compliance Officer (NCCO) Strong Bank Secrecy Act compliance background (BSA Compliance Specialist) 7+ years of experience in performing risk assessments.
8+ years of experience in handling transactional reviews related to compliance and payment systems (Auto and Mortgage UDAAP reviews). 4+ years of experience in the Mortgage Industry.
8+ years of experience with Microsoft Office (Word, Excel, and PowerPoint).
7+ years of experience in aiding with internal audit related reviews of business processes.
7+ years of experience applying documented procedures, methods, concepts, and techniques.
7+ years of experience in data management and reporting.
Knowledgeable about VeraFin, LexisNexis, Aquibix, and Thomas Reuters World-Check risk management software solutions. Effective communication and people skills.
Professional Experience:Aston Carter (project for Wells Fargo Bank, NA)Senior Compliance Specialist December 2022 November 2023
Control design and internal audit review of the banking institution s enterprise risk program to review federal regulations and state citations for different departments (Payments, UDAAP, Lending-Auto and Mortgage). Worked with the Legal department to review complex compliance risk issues. Analyzed and audited end-to-end banking and financial services processes, including sales, collections, customer communications, fulfillment, foreclosures, and repossessions. Researched and analyzed significant compliance issues for overall risk to the banking institution.
Experience working with Wolter Kluwer OneSumX Proviso compliance system.Emonics, LLC (Project for Silicon Valley Bank) September 2022 December 2022
Compliance Control Design Analyst Responsible for providing risk and control design testing to determine compliance and enterprise risk concerning the institution s products and services.
Developed internal compliance control design and test scripts to effectively navigate the institution s policies, procedures, and processes. Experience reviewing federal and state citations for compliance view. Experience working with ServiceNow project management and CUBE Regulatory Change Management systems.TEKsystems (OneGas) October 2021- August 2022Application Compliance Coordinator
Inventory all Information Technology (IT) applications to establish a comprehensive Compliance Management Program under a new federal government mandate for 15-day and 30-day completion periods. Implemented and created processes and procedures for high-risk vendors to review current and future security patches for vulnerabilities.
Provided audit review for National Institute of Standards and Technology (NIST) Cybersecurity framework program.
Worked closely with all IT applications departments to audit their internal controls and their effects on the company's enterprise risk strategy. Monitored all application changes to the core system for the compliance audit review for the examiner.
Experience working with Archer Risk Management system for audit review and gap analysis.
So Others Might Eat (SOME) April 2019 May 2021Assistant Property Manager/Compliance Analyst Ensured program compliance with the Federal Low-Income Housing Tax Credit program and District of Columbia Housing Authority (DCHA) housing programs. Trained and coached program managers on the Federal Low-Income Housing Tax Credit program. Supplied information and step-by-step aid to residents to receive rental assistance during the COVID-19 pandemic. Performed internal audits for all Move-In and Recertification files from program managers for accuracy and correctness before file submission to SOME's third-party compliance team for verification.
Processed resident monthly rental payments for all SOME residential community programs on the payment computer system OneSite and Windsor systems.
Eastern Point Services September 2018 November 2018
Compliance Officer
Day-to Day oversight of activities related to Bank Secrecy Act (BSA)/Anti Money Laundering (AML), Know your Customer, CDD, EDD /High-Risk Due Diligence, and OFAC Compliance, and monitoring KYC/AML systems. Ensure staff complete assigned fraud investigations promptly, meeting all policy requirements.
Monitored and audited KYC/AML system performance and recommends processes to support, streamline, and improve department activities. Guided testing new BSA/OFAC fraud system for international monetary transactions.
CommonWealth One Federal Credit Union April 2017 August 2018
Compliance Manager
Managed the credit union s Bank Secrecy Act (BSA)/Anti Money Laundering (AML) Compliance Program, including filing Currency Transaction (CTR) and Suspicious Activity Report (SAR), Customer Due Diligence (CDD)/Enhanced Due Diligence (EDD), High-Risk Members and fraud investigations throughout the credit union departments. Identified and organized compliance-training needs for the credit union on regulatory changes and the training of the credit union's anti-money laundering/fraud system (VERAFiN).
Developed and implemented changes to existing and proposed procedures, policies, and processes in the credit union s Compliance Management program. Updated compliance standards and practices to the executive team based on findings to mitigate compliance/credit risk.
Responsible for the Vendor Management program. Collaborated with senior management to interpret and define business requirements for low/moderate/elevated risk third-party vendors. Provided the credit risk review for the management team. Internal audit risk review for the program. Worked with lending staff on the salesforce database. Reviewed marketing materials to ensure the credit union was compliant with regulatory laws. Supplied a professional approach to evaluate marketing campaign efforts to prevent costly legal, audit, and regulatory issues. Provided advice, guidance, and insight to management and credit union staff about new/emerging trends concerning compliance issues.
Constellation Federal Credit Union July 2016 - April 2017
Internal Auditor/Compliance Assistant
Conducted internal audits of the credit union to assess the effectiveness of controls, accuracy of financial records, and efficiency of operation, performed risk assessment and management analysis for all credit union departments, and supplied documentation of the credit union's internal control.
Collaborated with the Vice President of Operations/Compliance to ensure all the credit union's policies and procedures followed the appropriate laws and regulations. Analyzed new and pending laws that could affect the credit union's current practices. Ensured all required staff completed regulatory training annually. Worked with Salesforce with lending and branch teams for prospective members.
Developed and implemented audit strategies to support the credit union's goals. Prepared detailed reports of audit findings, presenting any irregularities or exceptions to the Board of Directors, Supervisory Committee, and management team, expressing an opinion on the adequacy, design, operating effectiveness, and efficiency of the system of internal controls.
JCrew October 2010 - April 2016
Fraud Analyst/Clientele Specialist
Analyzed data to find fraudulent transactions utilizing the JCrew fraud management system.
Investigated assigned work queues to determine risk potential based on established fraud systems and procedures.
Collected documentation of transactions to respond to payment processor when a cardholder disputes a transaction processed on all JCrew orders (telephone, website, and in stores).
Virginia Credit Union League (VACUL) May 2012 - November 2015
Compliance Analyst
Supplied guidance to Virginia credit unions concerning Bank Secrecy Act (BSA)/Anti-Money Laundering (AML)related issues, including filing Currency Transaction Reports (CTRs), Suspicious Activity Reports (SARs), Fraud investigations, and BSA independent test audits to help develop internal controls to combat money laundering and suspicious activity. Executed detailed compliance and monitoring testing programs created to audit the design and effectiveness of compliance controls. Conducted the credit risk review for the credit union s BSA and vendor management programs. Guided over 140 Virginia Credit Union League member credit unions on several regulatory compliance topics, including TILA, RESPA, ECOA, Fair Lending laws, Marketing review, and Military Lending Act (MLA). Managed the development of new or existing policies, procedures, compliance, risk controls, and compliance testing strategies. Critically reviewed and analyzed policies and marketing material for various credit unions in Virginia, supplying recommendations on regulatory and compliance issues. Analyzed questions and guided other Credit Union Leagues nationwide about the Code of Virginia. Planned and administered training sessions for the Virginia Credit Union League's Spring and Fall Compliance Conferences. Developed and implemented training presentations on the Bank Secrecy Act (BSA), Robbery, Harassment, and other compliance issues for staff, Management, the Board of Directors, and the Supervisory Committee. Utilized standardized work papers and testing programs to document the performance of compliance/credit risk testing reviews.
Lynchburg Community Action Group, Inc. June 2010 - May 2011
Foreclosure Mitigation Specialist under the direction of the Housing Department/Certified Housing Counselor
Critically analyze financial information to assist delinquent mortgage customers in providing a comprehensive overview of their financial situation to work with their mortgage company in obtaining a workable solution to keep their home.
Plan and administer financial education classes for clients to assist them in working through their financial situation.
Proficiently executed data management & reporting to Department of Housing and Urban Development and other housing agencies in a timely manner.
Responsible for ensuring client files are complete, including appropriate information releases, file documentation, proper computer database entry, and related correspondence to mortgage company for additional information.
Obtained certification in housing counseling from the Virginia Association of Housing Counselors, Inc. (VAHC).
Virginia Legal Aid Society July 2006 - July 2011
Program Coordinator for Financial Freedom, a Financial Education Program
Alliance for Families and Children February 2003 May 2006Certified Credit Counselor with Consumer Credit Counseling Service (CCCS)Loss Mitigation Specialist March 1999 April 2002Wachovia Bank, NA, Lynchburg, Virginia [Merged with Central Fidelity National Bank]Governmental Loan Specialist
Central Fidelity National Bank, Lynchburg, Virginia. January 1994- February 1999Education: BA, History, University of Virginia, Charlottesville, Virginia, May 1987.
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