SUMMARY
- Twenty plus year of Audit Management and Supervisory experience; Expertise includes proficiency with SOX/COSO/OMB Circular A - 123 Appendix A, A-133/Single Audit Act, SAS 70,
- CFPB Compliance/HUD Loss Mitigation Review/Flood/CRA/TILA/HMDA/HUD Regulation X RESPA Audit/BSA/AML/KYC/Risk Assessments/ Loan Compliance Reviews/Manual Mtg. Underwriting/DU/LP/FHA Origination & Loan Servicing Reviews. Big 4 Compliance Assessments and Internal Auditing; Consulting;
PROFESSIONAL EXPERIENCE
Confidential
Compliance and Operational Risk Testing Analyst
Responsibilities:
- Performed independent testing for third party risk as a part of the second line of defense under the Enterprise Testing Program;
- Responsibilities included ensuring departmental processes and procedures complied with applicable rules, regulations, and internal policy;
- Analyzed formal and informal policies and procedures tied to internal controls to ensure risk control effectiveness;
- As a part of the team, developed steps needed to test compliance with applicable rules, regulations and laws;
- Identified potential control weaknesses and made recommendations to remediate same.
Confidential
Risk Concurrence Analyst
Responsibilities:
- Performed a 2nd level quality assurance function that entailed evaluating the Wholesale Line of Business (LOB) created AML risk assessment documentation for completeness, accuracy, and overall risk acceptance decision;
- Decisioned the risk assessment documentation that was received from the LOB and made recommendations concerning account closures and non-onboarding of accounts;
- Reviewed open alerts in the Actimize system, client profiles loaded into SalesForce to verify the Beneficial Owner information and conducted WorldCheck scans for negative news;
- Assessed the risk scores and associated business description and NAICS code as a part of the overall risk assessment review process.
- Performed AML/BSA risk assessment and document reviews on the Bank’s Domestic Correspondent Banks, General Commercial clients and Individuals with High Risk scores.
Confidential
Senior Compliance Analyst
Responsibilities:
- Performed compliance testing related to various Federal Regulations from CFPB, OCC and FDIC rules regulations and laws;
- Performed Compliance Testing on RESPA/Escrow Accounts/Notice of Error/Request for Information/TRID, Bank Closing Notices, Reg DD/Truth-In Savings Act /Flood and Garnishments of Accounts containing Federal Benefit Payments;
- Worked with departmental stakeholders to remediate prior findings, researched best practices
- Researched applicable rules and regulations concerning the remediate controls
- Participated in the development of the test scripts
- Developed recommendations based upon the Compliance Testing performed that facilitated new policies and procedures to assure the bank was aligned with the current regulatory requirements.
- Documented internal controls, processes and procedures using Microsoft VISIO tool.
Confidential
Senior Compliance Analyst
Responsibilities:
- Mapped compliance requirements to line of business segment functions;
- Identified compliance controls and tied to the applicable rules, regulations or laws;
- Performed risk assessments to identify high risk business processes and applied relevant best practices;
- Maintained controls and regulations documentation information in the Share Point repository;
- Worked with the LOB to identify, risk rate and track all end user controls;
- Coordinated with the LOB to track and remediate deficiencies;
- Assessed the effectiveness of internal controls over key risk;
- Documented internal controls, processes and procedures using Microsoft VISIO tool.
