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Click here or scroll down to respond to this candidateCandidate's Name
Chandler, AZE-mail: EMAIL AVAILABLELinkedIn: LINKEDIN LINK AVAILABLESUMMARYExtensive background in operations, compliance and risk management within diverse facets of the banking industry that deliver strong results aligned with the business risk appetite. Areas of key strengths include:RISK ASSESSMENT Twenty+ years of auditing/compliance/risk experience in operational, financial, and compliance assigned areas/functions.PROCESS ENHANCEMENT Innate ability to analyze operational functions/processes to reduce risk while facilitating efficiency and understanding goals and implementing improvements to reach objectives.PROJECT MANAGEMENT Experience with ensuring multiple, diverse projects are managed simultaneously, within budget and schedule. Possess excellent problem-solving capabilities with proven ability to interrelate effectively with management, employees, clients, and to facilitate appropriate action/remediation plans, and address needs or problems on a daily and strategic basis.ANALYTICAL SKILLS Substantial proficiency in Microsoft Word, Visio, Excel, and Power Point business operations that facilitates the collation of data into concise executive summaries. Possess excellent writing and communication skills.CLIENT MANAGEMENT: Three decades of operational management experience partnering with line of business management, vendors, pharmaceutical reps, and consumers.WORK HISTORYUSAA -- Chandler, ArizonaBusiness Risk and Controls Advisor Senior (September 2019 Current)Primary Focus: Chief of Staff Issues ManagementoAnalyzing, validating, and monitoring Line of Business issue status to identify/assess gaps and concernsoFacilitating Weekly Issue Management Sync Meetings with the First and Second Lines of Defense to ensure proper identification and assessment of current and potential risks, and to keep the focus on regulatory and compliance-related issuesoFacilitating lines of business requests for new issues, corrective actions, risk acceptances, due-date extensions, and maintaining strong adherence to issue and system of record Service Level ObjectivesoPerforming Quality Assurance audit reviews for all complaints correspondences sent to the CEOoParticipating in Product and Risk Compliance Inventory (PRCI) activitiesoParticipating in Risk and Control Self-Assessment (RCSA) activitiesoPerforming Quality Assurance audits on complaints received by the CEOWELLS FARGO BANK, N.A. -- Chandler, ArizonaOperational Risk Consultant (April 2019 September 2019)Primary Focus: Enterprise Technology Issues ManagementoAnalyzing, validating, and monitoring divisional issue status to identify/assess gaps and concernsoFacilitating divisional requests for new issues, corrective actions, risk acceptances, and due-date extensionsEARLY WARNING SERVICES -- Scottsdale, ArizonaOperational Risk Manager (July 2017 April 2019)Primary Focus: Performing validation of identified operational and compliance risk controls to ensure they have adequate governance, evidence of execution, and appropriate monitoring and escalation.oIndependently identify risk through undefined processes or ways that are not pre-determinedoDocument validation results, prepare work papers to evidence validation methods, and draft final reports for customers summarizing validation resultsoEnsure issues are properly reported to business areas and remediated appropriatelyoPerform and support detailed data analysis to include trending and issue identificationoIdentify emerging risks, process improvements, or areas for increased training through the analysis of resultsoResponsible for building and maintaining relationships with business partners while adhering to the highest ethical standards required for independent validationoManage work across organizational lines to achieve results and manage competing priorities.oSupport procedure reviews and document updatesMUFG UNION BANK -- Tempe, ArizonaVice President; Retail Senior Operational Risk Specialist (June 2016 July 2017)Primary Focus: Enhancing and evolving the Business Environment & Internal Control Factors:oPerformed control and issue validation testingoPartnered with subject matter experts to update/revise process flows and Product & Service self-assessments per required schedule ensured an end-to-end view of cross-organizational process risks and controls and looked for opportunities to consolidate/streamline similar processesoEvaluated risk levels with respect to the Operational Risk Management Risk Radar, business strategies, internal loss experience, external loss data, identified issues and other risk metrics, in addition to documenting the evaluation in the risk rating rationales (inherent risk vs. residual risk)oAnalyzed the Risk & Control Self-Assessment (RCSA) data to look for change opportunities and to drive change in the business where controls need improvement leveraged the RCSA where process change occurred to ensure the right controls are in placeoCompleted the summary risk reports and ensured report content was accurate and risk ratings are supported by controls and other dataoDocumented action plans for high-risk issues monitored and reported on past due and repeat issuesoMaintained key risk metric (KRM) inventories for all business-specific high inherent risks evaluated and reported on threshold breaches evaluated KRMs against large losses/risk events for validity of the KRM with respect to the riskoResponded timely and took corrective actions in response to Quality Assurance comments as neededoWorked with line of business management to enhance or change controls where needed based upon the root cause analysis and followed through to ensure corrective actions were taken to address that root causeoParticipated in weekly/monthly meetings to provide essential input on areas of emerging and increasing riskoTracked/analyzed/mitigated internal Losses and aligning with processes/risks/controlsoTracked/analyzed/mitigated external losses for pertinence to line of business processesBANK OF AMERICA / COUNTRYWIDE (2002-2016)BANK OF AMERICA -- Chandler, ArizonaAssistant Vice President Operational Risk (August 2010 May 2016)Primary Focus: Risk Control Self-Assessment, Work Area Privacy Assessments, Quality Assurance Testing, Appraiser Independence Reporting. Primary Responsibilities included (but not limited to):oMaintained effective relationships with key business partners and provided excellent customer serviceoIndependently analyzed, validated, and monitored management data and reports to identify/assess key risks, controls, action plans and ensured that they are within established risk appetite thresholdsoIdentifying 54 risks over 33 lines of businesses in 2014 and helped implement Go-to-Green plansoParticipated in the approval of strategies, business processes, and change initiativesoDesigned and assisted in the implementation of a risk framework that ensured appropriate policies, procedures and controls were in place for all business unitsoMonitored, validated, and challenged the effectiveness of business controls, processes, and performance through routine and random testingoEnsured the implementation of quality resolutions for sustainable line of business remediationoReduced privacy compliance error rates from 5.98% (red) to under 3% (green) in 2015oCreated strategies to manage, organize, solidify, and bring consistency/cohesion to fragmented areasoPartnered with line of business work streams to ensure accuracy/accountabilityoMentored and imparted leadership qualities to senior analysts for cascading affectoImparted better cognitive/analytical strategies to team members to prepare them for the next leveloUtilized professional writing skills to enhance monthly executive reporting/All-Hands Calls requisitesoEffectively interfaced cross-functionally with team to accomplish deliverables timely and accuratelyoPlaying an integral role in the processing/completion of requests for the OCC Consent Letter, the Sidley Austin Legal Counsel Project (Reg AB), the Investor Disclosure Project (Dodd Frank), CIT Issue PHONE NUMBER AVAILABLE (Adverse Action Letters), the Patrick Hedges Investor Relations request, and various other high-priority company projects.oRecommending and creating a repository for all process maps/key controls received from the LMT LOBs pertaining to the list of Business Process Non-negotiable RulesoAssisting in the identification of quality control and quality assurance processes associated with the LOBsoAssisting in the identification of any metrics or measurements used to ensure the timely testing and overall effectiveness of the key controlsoMaintaining effective relationships with key business partners and provide good customer serviceoIndependently analyzing, validating, and monitoring management data and reports to identify/assess key risks, controls, action plans and ensuring that they are within established risk appetite thresholdsoParticipating in the approval of strategies, business processes, and change initiativesoDesigning and assisting in the implementation of a risk framework that ensures appropriate policies, procedures and controls are in place for all business unitsoMonitoring, validating, and challenging the effectiveness of business controls, processes, and performance through routine and random testingoEnsuring the implementation of quality resolutions to ensure sustainable line of business remediationoCreating strategies to manage, organize, solidify, and bring consistency/cohesion to fragmented areasoLiaising and collaborating with line of business work streams to ensure accuracy/accountabilityoMentoring and imparting leadership qualities to senior analysts for cascading affectoImparting better cognitive/analytical strategies to team members to prepare them for the next leveloUtilizing professional writing skills to enhance monthly executive reportingoEmploying interpersonal interface to assist team in accomplishing deliverables timely and accuratelyCOUNTRYWIDE HOME LOANS, INC. / BANK OF AMERICA -- Chandler, ArizonaAssistant Vice President Corporate Compliance (March 2007 August 2010)Primary Focus: Provided monthly metrics, analysis, remediation plans, status, and summary reports to Senior Management pertaining to QC HMDA and ECOA audits.oMonitored the monthly quality and workload for the offshore division in India (Monthly LAR accuracy)oWorked with QC and Divisional personnel to maintain and revise Divisional Source Document and System matrices to ensure proper protocol for audit purposesoConstantly created new analytical monitoring tools (Excel Spreadsheets) to address new business dynamicsoManaged various projects to ensure Federal and State Regulatory compliance with Fair and Responsible lending policies and proceduresoDefined and constructed project schedules, monitoring, tracking, analysis, trending, reporting, and prevention planning to achieve compliance targets and established standardsoIdentified training deficiencies and opportunities for continuous improvement for all divisionsoDeployed new and recommended best practices/benchmarkingoAssisted in the development of training strategies, materials, and user-friendly job aidsoProactively sought initiatives for compliance awarenessoServed as a liaison between Divisional Compliance, Corporate Compliance, and Quality ControlCOUNTRYWIDE HOME LOANS, INC. -- Chandler, ArizonaCompliance Assurance Manager Full Spectrum Lending (November 2005 March 2007)Relocated by Countrywide in 2005 to establish a State Audit unit in Chandler, AZ.Primary Focus: Supervised the development and implementation of cost effective compliance strategies, policies and procedures and monitored to ensure compliance.oEnsured the detection of deficiencies or violations of applicable laws and regulationsoAs appropriate, brought compliance issues to the attention of the Senior ManagementoDesigned and coordinated appropriate mitigation and remediation plansoKept up-to-date on changes in federal and state compliance laws and regulationsoInitiated and coordinated changes necessitated by new or revised laws and regulations impacting the area of responsibility, including changes in policy and procedural manualsoAssisted business units and/or marketing in developing new products to ensure early recognition and resolution of compliance concerns prior to implementation.oProvided monthly metrics, analysis, remediation plans, status, and summary reports to Senior Management pertaining to QC HMDA and ECOA auditsoMonitored the monthly quality and workload for the offshore division in India (Monthly LAR accuracy)oWorked with QC and Divisional personnel to maintain and revise Divisional Source Document and System matrices to ensure proper protocol for audit purposesoCreated new analytical monitoring tools (Excel Spreadsheets) to address new business dynamicsoManaged various projects to ensure Federal /State regulatory compliance with policies and proceduresoDefined and constructed project schedules, monitoring, tracking, analysis, trending, reporting, and prevention planning to achieve compliance targets and established standardsoIdentified training deficiencies and opportunities for continuous improvement for all divisionsoDeployed new and recommended best practices/benchmarkingoAssisted in the development of training strategies, materials, and user-friendly job aidsoProactively sought initiatives for compliance awarenessoServed as a liaison between Divisional Compliance, Corporate Compliance, and Quality ControlCOUNTRYWIDE HOME LOANS, INC. -- Pasadena, CaliforniaSenior Compliance Analyst Full Spectrum Lending (September 2003 November 2005)Primary Focus: Performed loan file audits to ensure compliance with federal/state laws and regulations; assisted in the development of compliance related policies; performed trend analysis for compliance audit deficiencies; implemented and tracked the progress of State Preventative Action Plans; assisted in the testing of compliance-related system technology changes; assisted in the preparation and follow-up of Federal/State audits, pre-audits, and post-audits; and coordinated with Divisional Operations and Production teams to create compliance procedures to resolve Federal and State regulatory audit findings.oMonitored, tracked, and provided analysis for compliance-related issues (i.e. RESPA, Truth-in-Lending)oProvided monthly metrics, analysis, remediation plans, status, and summary reports to Senior Management pertaining to State, Federal, and Internal QC auditsoSent weekly and monthly reports to Bonus Compensation pertaining to audit error rates, and which impact departments, teams, and individuals accordinglyoCoordinated the scheduled State, Federal, and Internal QC Examination audits with Central ComplianceoProvided monthly detail reports to Executive ManagementoActed as a liaison between Central Compliance, Legal, Production, Operations, System Technology, and Senior Management to address compliance-related issues and initiate action plans for timely resolution.oProvided support to Funding Centers regarding compliance-related inquiriesoValidated the Risk Management results for high-cost loan audits, in addition to requesting, processing, and mailing refund checks to borrowers under proper Legal Cover.COUNTRYWIDE HOME LOANS, INC. -- Rosemead, CaliforniaSenior Auditor Internal Audit (January 2002 September 2003)Primary Focus: Performed operational, financial, and compliance audits in assigned areas and assisted in developing the audit planning memorandum; revised or expanded audit program parameters provided by the Internal Audit Manager (as necessary) to complete analysis of assigned areas and functions and performed other related duties as required.Performed audit reviews consisting of entrance conferences with clientsConducted background investigations and interviewed appropriate personnel as necessaryDetermined data requirementsAccumulated, verified, and analyzed available dataObserved and evaluated actual operating procedures and identified existing or potential problem areasIdentified causes or contributing factors relating to problems or control deficienciesDrafted audit reports detailing findings/recommendations for review with appropriate divisional managementFinalized audit reports for Internal Audit Executive Management review and issuanceOrganized and compiled final workpaper documentation for audit finding maintenance and referenceFollowed through on the implementation of audit recommendations agreed upon by ManagementCALIFORNIA PHARMACY -- Pasadena, California (1983-2002)Store Manager (October 1983 January 2002)Responsible for managing a four-million dollar, independently-owned and operated pharmacy.Instrumental in increasing overall store volume 10%-20% annually from 1995-2000 (50% in 2001)Increased in-store accounts 20% from 1995-2001Increased average daily prescription business 10%-20% from 1995-2001 (50% in 2001)Increased average daily delivery business 33% in 2000Decreased loss percentage from over 12% in 1190 to less than 4% in 2001AWARDS/RECOGNITIONGOLD AWARDSMay 2013 Conferred by Bank of America Risk Senior Vice PresidentFeb. 2007 Conferred by Countrywide Legal Executive Vice PresidentSILVER AWARDOct. 2002 Conferred by Countrywide Managing Director Internal AuditMANAGER/PEER RECOGNITIONJan 2007 - May 2018: Bank of America 28 Individual Recognition Awards (Achievement, Integrity, Core Values, etc.)Nov 2017 Apr 2019: Early Warning Services 5 Individual Recognition AwardsApr 2019: Wells Fargo One Shared Success AwardCOMMUNITY SERVICE AWARDS2009 ReconTrust Emergency Response Team Award2011 and 2012 Bank of America Community Volunteers Hours Honor Roll2011 and 2012 White House Presidents Volunteer Service AwardEDUCATIONMultiple-Subject Professional Clear Teaching Credential (1995) from California State Polytechnic University, Pomona.Bachelor of Arts Degree in Liberal Studies with History Minor (1992) from California State Polytechnic University, Pomona.Taught one year at the 1st and 6th grade level, while concurrently working full-time at the California Pharmacy.INTERESTSBoy Scouts of America (both sons achieved the rank of Eagle Scout)Girl Scouts of America (Assistant and Cookie Dad)Youth Sports CoachReadingFavorite pastime: GOLF! |
