Anna Rand Email & Phone Number

• Serve as primary Compliance monitoring oversight point of contact for assigned businesses, responsible for ensuring the direction of their monitoring program is in line with procedural and operational requirements.• Responsible for collaborating with Operational Risk Foundational Programs to implement a quality control program and maintain a high pass rate.• Maintain nine policies and procedures related to Compliance Monitoring, including consultation with program stakeholders and leadership.• Responsible for the review and challenge of business monitoring procedures which included testing procedures against the executed process, gap closure recommendations, and ensuring the document meets Enterprise Procedure Requirements.• Created and published ongoing quarterly reporting to communicate gaps, findings, and Issues. • Created review program to ensure compliance with all requirements throughout the lifecycle of monitoring, providing ongoing training on requirements and best practices. • Led Audit and Regulatory Exam requests, providing subject matter expert responses and documentation leading to 1 recommendation.• Implemented new controls in response to Audit and Exam findings and recommendations, training stakeholders on new requirements.• Represent the Compliance Monitoring Program in business specific meetings, advising leadership in creation and design of regulator required activities.• Implement new program requirements across the enterprise, as needed, as required by regulators and auditors.

• Assisted in policy and procedure creation and maintenance for Responsible Banking Compliance.• Managed monthly reporting on Fair Lending related issues, providing oversight of all Fair Lending owned issues. • Created reporting for Fair Lending Committee consumption, collaborating with leadership to ensure proper coverage.• Assisted in monitoring of Fair Lending related Complaints.• Assisted in regulatory change management processes, providing input on regulatory changes which may impact Fair Lending requirements.• Served as a liaison between Fair Lending Governance and the Compliance Policy Office. • Served as Record Retention liaison for the Responsible Banking team, including providing guidance on timelines, recommended organization, and managing documentation in line with policy.• Guided businesses through Policy Violations and provide assistance where needed with the Compliance Policy Office. • Provided senior leadership with ongoing reporting regarding open issues, complaints, and policy changes.

Des Moines, Iowa Area

• Assisted in the management of the Wealth and Investment Management (WIM) Policy Program.• Facilitated Compliance policy review across each WIM line of business.• Managed monthly Regulation W reporting for line of business, including providing reports to leadership for consumption.• Assisted in leading Program Effectiveness Assessment cycle, including coordination of response, implementation, and sustainability artifacts, and providing guidance to Front Line Compliance teams.• Assisted in the closure of 5 major action plans within WIM Compliance, with all completed in a timely manner and receiving passing remarks. • Created and implemented systemic solutions for policy comment collection.• Implementation and subsequent systematic coordination of bi-weekly reporting to leadership• Served as oversight for all WIM lines of business in various capacities, focusing on Program Effectiveness execution and Policy Program maintenance.• Acted as a liaison between WIM front lines of business and Regulatory Source Owners, Enterprise Policy teams, and Enterprise Compliance. • Collaborated with front line Compliance teams to provide regulatory reporting and inventories, including Notary and Affiant, Regulation W, and SCRA.

Des Moines

• Surveilled email correspondence for indication of Code of Ethics and Regulatory violations.• Responsible for implementation of the General Data Protection Regulation of the European Union and the California Consumer Protection Act, including technology solutions.• Managed quarterly reporting for affiliate offices.• Created reports for senior leadership and presented reports for consumption.• Managed implementation of new regulatory requirements throughout the project life cycle. • Consulted on Request for Proposal documents, ensuring regulatory and company compliance in answers.• Managed Code of Ethics program to ensure compliance with all internal rules as well as regulatory requirements of a Registered Investment Advisor. • Created and implemented a Compliance Monitoring Program, including forensic testing, reporting, and policy and procedure updates in accordance with regulatory requirements.• Created and implemented process to test for compliance with Foreign Tax Account Compliance Act which also included creating reports for senior leadership’s consumption.• Collaborated with international affiliate offices regarding policy updates, reporting requirements, and certification requirements.

Performed comprehensive audits in accordance with mandated federal regulations during the beginning of the merchant relationship. Provided ongoing support to merchants enrolled in various retail services financing programs. Developed and maintained relationships with business partners and provided support to servicing teams. Responsible for developing relationships with enrolled merchants and providing one on one training as needed. Leveraged as a subject matter expert in regards to compliance and merchant services programs. Led discovery efforts resulting in positive changes to established merchant training curriculum. Developed strong relationships with Relationship management team and worked directly alongside on customer satisfaction and retention.

Responsible for evaluation of bank records and comparison with fraud trends to detect and prevent fraudulent activity, careful and accurate analysis of financial records and processing of criminal activity.

Des Moines, Ia

Oct 2011 – Mar 2013 Teller/Personal Banker Wells Fargo BankConsistently met and exceeded sales goals while achieving numerous awards for Service Excellence. Provided advice on responsible and practical financial products that mutually benefit the client and the bank. Worked closely with Personal Banking team to ensure that clients’ needs are continually met. Worked with various systems including Hogan, FDR, and SVP. Provided one on one training to my peers, in order to improve customer service and compliance. Traveled to area branches to train local leadership on customer retention best practices.

Bachelor'S Degree, Political Science, Spanish

Activities and Societies: Alpha Phi Omega, Pi Beta Phi

Bachelor Of Arts, Political Science/Spanish