Summary
Experienced senior enterprise risk and compliance policy developer. Specialties: Community Reinvestment Act, regulatory compliance, information security laws, fraud, risk assessments, and governance controls
Awards/Notable Speaking
FS-ISAC FinCyber Today October 2023: Presenter on digital card fraud along with the Bank Policy Institute.
FinCEN/FDIC Tech Sprint on Digital Identity 2023 – Award for Impact & Effectiveness
FedID Forum 2022 – Best Educational Effort award
Banking Hemp & BSA challenges 2019 – WBA presentation
Spring Cleanup 2019 – Barack Ferrazzano speaker
Experience
SVP, Risk/Compliance Officer & CRA Officer
August 2015 - Present (Promotion to SVP in December 2017)
Oversee and manage the compliance, risk, and audit program of the bank
Chair the Risk and Compliance Committee
CRA Officer – “Outstanding Rating” for 10 years
Audit Liaison to the Board for Audit Committee
Develop and monitor FDICIA controls, work with business lines to remediate findings and/or redesign the control
Information Security Officer, currently maintain a 2% phish prone average
Develop and administer Vendor Due Diligence and Business Continuity Programs
Stay abreast of new and changing laws and regulations and work with the business lines to implement in an efficient manner. Work with the business units to best implement new or changed regulations in an efficient and customer centric manner.
Maintain Board levels policies which include the ERM, Audit Committee Charter, Regulatory Compliance, and others
AVP, Loan Servicing Manager
Jan 2015 - Aug 2015
Hired to develop new department to direct the expansion of the mortgage portfolio, the servicing portfolio, the installment portfolio, and correspondent mortgages.
Manage retail installment and mortgage collections through liquidation
Enact CFPB compliant loss mitigation program
Adhere to FNMA and FHLB guidelines regarding the MPF program
Adhere to the USDA Rural Development Guarantee program
Manage the residential real estate REO portfolio
Manage the appraisal process for residential real estate
Member of IT Steering Committee
Review entire retail lending process from origination to post-closing to ensure compliance
Special Assets Manager
2011 - 2015
Hired to develop and manage centralized loss mitigation/collection department
Successfully reduced delinquencies by over 50% and achieved best practices ratings in compliance reviews
$278 million servicing portfolio, $114 million mortgage portfolio, $37 million installment portfolio, consistently kept at or below 1% delinquency
Ensure compliance with Local, State, and Federal regulations. Work with internal and external auditors. Knowledgeable in CFPB, FDIC, FNMA, FHLMC, FHLB regulations
Represent the bank in court as needed in contested workouts or when pursuing legal remedies
Adhere to FNMA & FHLB servicing guidelines for delinquent mortgages
Workout troubled commercial credits: liquidate or restructure.
Credit Services Officer
2006 – 2009
Full-cycle collections for portfolio mortgages, installment loans, servicing portfolio.
Wrote policy for Freddie Mac & Fannie Mae guidelines for Credit Services, Mortgage Banking and Information Services.
Created and implemented Loss Mitigation program for lending portfolios
Managed REO process
Wrote and implemented companywide policy for the Home Affordable Modification Program
Sold cash management products to existing commercial customers.
Sat on committee for new internet banking and remote capture programs.
Officer Calls to high worth customers.
Indirect Lending underwriting
Manager
State Farm 2000 – 2006
Top producing local agency with $2 million in gross sales
Top sales producer for bank products in the region.
Handled accounting functions of the office, payroll, withholding, Quickbooks.
Wrote manuals for sales and office procedures.
Volunteering
Lending Committee Member for ACTs Housing
FS-ISAC Payment Fraud Council
Current candidate for NIST’s mobile driver’s license development initiative as a financial institution consultant