Beth Morgan Email & Phone Number

Detroit, Mi, Us

Responsible for the Risk Control Self Assessment (RCSA) Quality Assurance (QA) program and improvements to the overall effectiveness and efficiency of the RCSA Program.• Implemented new Governance, Risk and Compliance (GRC) RCSA system• Recommended and executed changes to the RCSA policy, procedures and standards• Developed the enterprise wide RCSA QA process. Ensuring coverage of all business functions and significant areas of past regulatory criticisms• Completed the RCSA QA testing and summary results in compressed timeframes while maintaining integrity of the program and reporting actionable results• Developed RCSA QA progress and program summary information for presentation to business areas and the Operational Risk Committee

New York, New York, Us

Responsible for audits of consumer credit card operations including core processes, fraud, regulatory compliance, risk management and corporate governance. Managed 16 auditors.• Completed audits, audit plans, quarterly risk assessments and staffing plans • Performed issue resolution validation for significant Internal Audit and regulatory issues under tight deadlines • Improved communication and working relationship between IA and Card Leadership at all levels• Increased interactions and coordination within IA to better serve the businesses and corporate responsibilities• Added automated testing to all audits and expanded the number of audits integrated with IT and regulatory testing• Trained business partners on issue management process, resolution processes and documentation requirements• Developed and presented Risk Committee control reporting for internal management control and Audit Committee meetings

Dallas, Tx, Us

Responsible for audits of commercial lending, retail and consumer products, operational risk management, fraud operations, wealth management, bank operations, corporate functions, information services and technology, and independent anti-money laundering testing across the organization. Managed 30 auditors.• Finished annual audit plan on time each year, including Sarbanes Oxley/FDICIA testing. Included 20 to 25 full scope integrated audits, external auditor assistance and special projects. Automated audit tests and influenced audit scopes to be more efficient and effective• Designed and implemented updated 2013 COSO framework over external financial reporting• Redesigned annual risk assessment process, decreasing time needed to perform and document assessment. Redesigned audit committee reports to communicate messages about emerging risks and issues• Implemented a new electronic work paper package, configuring it for the corporate audit approach• Created and presented interactive training materials, receiving high effectiveness scores

Charlotte, Nc, Us

Director of Internal Audit• Directed activities to audit credit card services and consumer lending activities (car loans, mortgage lending, secured and unsecured lines of credit) • Led financial, operational, compliance and integrated audits • Consulted on new product and business change projects and system development activities• Completed all audit projects with the highest quality ratings each year• Collaborated with internal investigations team - Interviewed senior management and performed investigative research resulting in terminations and personnel actions• Implemented Bank of America audit approach including Six Sigma principles and tools• Consulted on system development projects, ensuring controls and reporting were included in business requirements and properly tested prior to implementation - Communicated issues to steering committees and the Audit Committee• Led mortgage review resulting in changing to a different business model• Devised the audit approach to test finance charge calculations systematically• Led Six Sigma Lean project, reducing non-value-added audit processes and requirements while enhancing functionality and improving efficiency - Reduced input redundancies and increased ease of manager reviewAdditional Relevant Experience at MBNA America Bank N.A.:• Operational Audit Department Manager - First Vice President• Finance Audit Department Manager -Vice President • Finance Audit Manager - Assistant Vice President • Finance Staff Auditor – Officer