Summary

Compliance executive with a combined 12 years of internal audit and regulatory compliance experience in the Financial Services Industry, Credit-Cards, Mortgage Originations and Servicing, Deposit Operations and Property and Casualty Insurance. Proven record of understanding, applying, identifying and resolving complex regulatory compliance concerns. Strong focus on compliance and operational risk management, efficient internal control systems, effective application of project management tools and methodologies and excellent leadership and people management skills.
Significant strengths include :
Risk assessment development and implementation
Robust compliance monitoring and testing
Identification and communication of compliance-related systems requirements and rules
Establishing effective preventive and detective internal controls
Creating and updating policies and procedures to support company and regulatory requirements
Managing multiple compliance functions
Project management and sponsorship


Employment

2004 -  Present

2006 -  Present
Vice President

Managed 4 teams of 40 team-members focused on compliance and operational risk management in Wells Fargo Home Mortgage Division. Functional areas include : Corrective Action Oversight and Risk Control Self Assessment like RCSA ; Change Control ; Line of Business Compliance Governance ; Policy Administration ; and Compliance Monitoring and Testing.

Designed and implemented new compliance functional organizational structure and processes.
Created and implemented risk assessment methodology and processes used to identify and prioritize risks and resources more effectively.
Established more cost effective and efficient processes and controls for implementing legal and regulatory changes.
Implemented ongoing content validation process for all compliance and credit-related policies, procedures, product and program information published.

Mitigated information security risk and realized a significant cost savings by eliminating the production and distribution of CDs used to publish compliance and credit-related guidelines and updates. Implemented intranet publication.
enhanced Nyclopedia On the Web like aka NOW intranet site by re-designing look and logical order of the content and adding functionality, : FAST Search Engine capabilities, Best Bets and At-A-Glance functionality.

Expanded corrective action oversight program by incorporating additional compliance, operations and credit risk-related issue sources into the process, : Audit Services, Credit Quality Assurance, Consumer Complaints, Business Quality Review, Compliance Cancellation Review, Retail Risk Review and business self-identified issues
Assumed responsibility for and implemented processes to support new Enterprise Risk Management Policy. Administration function. Created and implemented 3 BSA/AML procedures, Customer Identification Program like CIP, Unusual Events Reporting like SAR and OFAC.
Project management sponsor for several high to medium risk initiatives which reduced regulatory, litigation, reputation and operations risks exposure.
identified and implemented Enterprise Risk Management Compliance cost-reduction initiatives resulting in significant cost savings.

2004 -  2006
Regulatory Compliance Manager

Managed the Compliance Monitoring and Testing function for the Wells Fargo Card Services Division, the Credit Card, Debit Card, Stored Value Cards and Global Remittance Products.

Passed OCC follow-up exam as a result of : Creating new risk assessment methodology and tools and implementing a risk-based compliance monitoring and testing schedule.
Demonstrating the establishment of a robust compliance monitoring and testing function that identified and resolved significant compliance concerns relative to : BSA/AML, CIP, OFAC, SAR, CTR, Regulation B, Z, Fair and Responsible Lending, Fair Credit Reporting Act, Fair and Accurate Reporting Act like FACTA, Service Member Civil Relief Act, Fair Debt Collections Practices Act like FDCPA, Section 5 FTC-Unfair Deceptive Acts and Practices Act and OCC guidance.
Designed and facilitated multiple Reg. Z-Billing Error Disputes Handling training sessions to operations management and staff
Identified and provided compliance-related systems requirements/rules which enhanced the effectiveness the Disputes Resolutions Systems enhanced the effectiveness of the business unit s quality assurance programs by introducing and applying a regulatory compliance focus to the reviews.
Identified significant UDAP and Fair and Responsible Lending concerns and implemented corrective action which included a restitution program.
Identified low dollar/high reputation risk regarding Service-member Civil Relief Act like SCRA. Provided compliance-related business requirements and rules which improved the effectiveness of the program. Issue received enterprise-wide attention and mitigated expose to company s reputation risk.

2002 -  2004
Regulatory Compliance Manager

Managed Discover Bank and MSDWCC s Regulatory Compliance Program for the Deposit Operations, Credit-Card, Mortgage Originations and Servicing functions.

Transformed ineffective compliance staff and program into a productive robust compliance monitoring and testing function.
Introduced technology like Microsoft Access, ACL like data querying application and MIS exception reporting into compliance program resulting in more effective, efficient and user friendly testing and reporting tools.

Identified significant regulatory compliance concerns totaling millions of dollars. Identified and implemented preventive and detective internal controls which enhanced the process, information systems, reporting and customer experience.
Created job aids and tools to better monitor and ensure regulatory compliance. Tools included : electronic escrow analysis worksheet, Flood Ins. and SCRA compliance-monitoring checklists, SCRA protected balance calculations worksheet and monthly credit balance refund exception reports.
Created and executed new due diligence program for secondary mortgage loan purchase program.
Created and implemented new regulatory compliance program for Morgan Stanley Credit Corporation s mortgage lending products.
Implemented a formal corrective action follow-up process, the creation of a Corrective Action Database to track issues, action plans and provide management reports.
Planned, developed and executed the following regulatory compliance reviews identifying significant concerns and implementing preventive and detective internal controls to mitigate risk : Reviews included : BSA/AML, OFAC, SAR and CIP, Reg .Z like open and closed-end ; RESPA, Flood Disaster Protection Act, Community Reinvestment Act, Reg .B ; Fair Credit Reporting Act like FCRA, HMDA, Service-member Civil Relief Act ; Federal Debt Collections Practices Act like FDCPA Bankruptcy code, OCC and FDIC guidance, Privacy, Telephone Consumer Protection Act and Telephone Sales Rules.

2002 -  2002
Compliance Manager

Managed the regulatory compliance program for the Corporate Internet Banking Group

Created, implemented and trained staff on new Web-linking Oversight Program coordinated and managed the transfer and purchase of more than 1500 domain names between national and international domain name vendors.

2000 -  2002
Senior Internal Auditor

Supervised and conducted bank-related operational, financial and regulatory compliance audits for privately held bank sub-prime credit card product and deposit operations. Planned audit scope performing risk analysis and evaluation of internal control structures ; developed audit programs consistent with risks ; incorporated FDICIA testing into scope of audit ; managed staff auditor s fieldwork activities ; engaged and managed out-sourced audit projects ; coordinated monthly corrective action follow-up activities and reported audit findings to Senior Management :

1988 -  2000

1998 -  2000
Senior Internal Auditor

Managed and conducted operational, financial and compliance audits using the COSO Framework and Methodology. Participated in annual audit planning, budgeting and risk assessment.

Participated in the development and facilitation of the company s first Control Self-Assessment workshops which identified key business risks, internal control strengths, weaknesses and improvement opportunities.

1994 -  1998
Senior Auditor

Performed legal and regulatory compliance audits as they related to environmental pollution, long-term exposure and asbestos claims. Developed and executed cost-recovery audits.

Audited $3 million of legal and engineering clean-up costs ; negotiated and realized a $60000 savings.

1988 -  1994
Paralegal and Claims Analyst

Assisted with the management of environmental pollution claims for coverage and legal defense funding. Reviewed, negotiated and approved payment of legal and engineering/consultant fees totaling millions of dollars. Investigated and responded to reinsurance inquiries ; worked with federal, state and local Environmental Protection Agencies like EPA to obtain pertinent site information and documentation.
Investigated and adjusted basic auto, property and general liability claims in dollar limit authority.

Education and Professional Training

LaSalle University, Philadelphia, PA - BA in Political Science 05/1995
Peirce College, Philadelphia, PA - AA in Paralegal Studies 05/1990

Pursuing Certified Regulatory Compliance Manager Certification like CRCM Exam April 08
Enrolled in CRCM Online Prep Course begins 02/08

2000 -  Present
More than 200 hours of Regulatory Compliance and Professional

Miscellaneous

Wells Fargo Advanced Presentations Skills like 2 days 10/2006
Wells Fargo DMAIC-Root Cause Analysis like 2 days 06/2006
American Bankers Association like ABA Operational Risk Management Forum like 2 days 05/2006
Wells Fargo AA Leadership Program like 3 days 08/2005
ABA Regulatory Compliance Conference like 3 days 06/2005
Delaware Bankers Association 3 Day Compliance School 2002 and 2003
Discover Bank Management and Leadership Program 2002 and 2003

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