Aaron Cavanaugh Email & Phone Number

Des Moines, Iowa Area

Sales Practices and Conduct Management • Managed the issue management and exam management teams in the Sales Practices and Conduct Management line of business• Previously managed the Treasury, Merchant, and Payment Solutions issue management and exam management teams• Previously managed the Payments, Virtual Solutions, and Innovations (PVSI) Group Issue Management team• Implemented and complied with the Issue Management Policy and Procedures.• Structured issue management and exam management programs to follow enterprise guidelines and meet the standards of the business and enterprise policy requirements. • Subject matter expert with the Issue Management Policy and Procedures, and 60+ accompanying job aids.• Extensive Shared Risk Platform (SHRP) – Issue Management experience.• Extensive SHRP – Remediation Management experience (was the product owner and wrote the original requirements for the first SHRP - Remediation Management solution)• Managed timely closure of issues and corrective actions in SHRP.• Managed reporting of SHRP issues.• Coordinated and communicated engagement requests and results to line of business and other impacted stakeholders.• Prepared and presented at departmental, enterprise, and regulatory meetings.

Customer Remediation Center of Excellence • Consumer Financial Protection proponent in the Customer Remediation Program Office.• Responsible for developing and overseeing implementation of the Customer Remediation Policy.• Performed risk based testing for each line of businesso Commercial Bankingo Consumer and Small Business Bankingo Consumer Lendingo Corporateo Corporate and Investment Bankingo Wealth and Investment Management• Created the testing procedures for quarterly post-close validation.• Created the quarterly “Customer Remediation” inventory report which is provided to regulators, as well as the Operating Committee and Consumer Council. • Provided a quarterly Statement of Compliance executive summary. • Previous product owner of the SHRP – Remediation Management solution• Responsible for the day-to-day system of record operations (e.g. user access requests, addressing system defects, training, system testing, system enhancements, etc.). • Designed training materials and facilitated delivery of training.• Escalated issues to the Operating Committee and regulators.

Treasury Exam Management• Subject matter expert and audit lead for Home Affordable Modification Program (HAMP), Home Affordable Unemployment Program (HAUP), Home Affordable Foreclosure Alternatives (HAFA), and Principle Reduction Alternative (PRA) examinations.• Extensive experience interacting with examiners in charge from multiple federal regulatory agencies (e.g. U.S. Treasury Department and Office of the Comptroller of the Currency).• Created procedures for managing internal and external engagements.• Engagement experience includes: o Office of the Comptroller of the Currencyo Consumer Financial Protection Bureauo U.S. Treasury Departmento Fannie Mae and Freddie Maco Internal Audito Private investorso Rating agencies (e.g. Standard and Poor’s)o Independent Risk Management• Experience with Information Technology General Control (ITGC) reviews. • Drafted corrective actions plans.• Provided weekly updates and drafted reports of findings and recommendations.

Enterprise Complaints Management Office• Responsible for receiving, processing, and corresponding to escalated complaints received from regulators, attorney, attorneys general, and congressional leaders on behalf of customers.• Specifically worked on “Executive” regulatory complaints requiring research and investigation.• Acquired proficiency in the followingo Critical Thinkingo Regulatory Directiveso Internal Complianceo Fraudo Fair Lendingo Credit Bureau Reporting.• Formally communicated with regulators.

Document Management, Imaging, and Retention • Managed workforce management.• Forecasted annual / monthly / weekly / daily volumes, developed capacity plans, and scheduled / planned for capacity concerns.• Added new hires, updated skills and other information into forecasting and capacity planning software.• Facilitated daily scrums with senior management to discuss forecasted high volume and SLA concerns.

Operations • Analyzed market values for home equity, reconciled fair market values, and provided charge off recommendations. • Research determined the dollar amount to be charged off for delinquent loans, or whether a lien would be surrendered. • Subject matter expert with appraisals and broker price opinions (BPO).

Central Mortgage Channel • Originated loans using web aggregated lead sources (e.g. LowerMyBills.com and Salesforce.com). • Took loan applications, priced loans, locked in loan rates, analyzed customer credit portfolios, and communicated with borrowers throughout the loan process.• Attended sales training, sales seminars, and completed all required training.

Des Moines, Iowa Area

• Implemented marketing and promotional strategies for new and existing brands.• Participated in local and regional sales events.• Maintained knowledge of competitor’s products. • Account relationships included: Wal-Mart, Target, Hy-Vee, Dahls, and Fareway.

Las Vegas, Nevada Area

• Duties included increasing distribution, improving shelf position, displaying, and rotating merchandise.• Organized promotions with distributors and chain accounts.• Account relationships included: Wal-Mart, K-Mart, Albertsons, Smiths, Vons, CVS, Rite-Aid, and convenience stores.

Orlando, Florida Area

Internship - Marketing

Master Of Business Administration (M.B.A.)

Bachelor Of Science (B.S.), Marketing

Bachelor Of Science (B.S.), Management (Entrepreneurship And Strategy)