Byron Young Email & Phone Number

Atlanta, Georgia, United States

• Developed an end-to-end Compliance Management System (CMS) which included the creation of frameworks, policies and procedures, compliance training, testing and monitoring, vendor management, and defined the regulatory.
• Established the compliance organization function as a 2nd line of defense providing guidance and training for 1st line of defense and supporting lines of business. This included awareness for risk management practices.
• Spearheaded Yield’s governance structure and training programs with the end result of meeting business objectives, identifying and mitigating risks through control establishment, while ensuring the adherence to.
• Developed and maintained operational procedures and process flows for consumer and lending products in efforts to mitigate compliance risks, and ensure consistent implementation of financial regulations across multiple.

San Francisco, California, US

• Revitalized operational compliance processes through Risk Control and Self-Assessment (RCSA) to enhance risk management effectiveness while enabling cross-functional teams throughout organization to implement and.
• Led a compliance team for consumer and small business, and supported the functions to identify and assess operational risks in place and mitigate risks through control establishment and ensure compliance with.
• Collaborated cross functionally ensuring adherence to key regulations that supported the consumer and small business which included, but not limited to; Privacy, Fair Lending, UDAAP, Regulation E, Accessibility.
• Provided ongoing communication and reporting to key stakeholders and contributors regarding budget, project deliverables and statuses, this also includes escalations, read outs, and responses to any additional inquires

San Jose, CA, US

• Defined and managed end-to-end processes, including budget formulation, KPI establishment, vendor management, corporate communications, audit examination for PCI and SOX responses/and requests, and compliance strategic.
• Secured cost savings of over $2M annually in operation expenses annually by developing and steering strategic cost savings initiatives and initiating adaptive learning concepts into compliance training
• Drove adherence with bank partners and agencies requirements through the development and implementation of strategic planning, policies, procedures, internal controls, and training programs aligned with US and.
• Achieved 100% training completion rate year over year developing and executing a cutting-edge compliance training program for over 52,000 employees across multiple jurisdictions while adhering to US and international.

San Jose, CA, US

• Established KPIs for training organization aligned with broader risk management framework and risk appetite. Gathered, reviewed, and communicated key information to boards and committee meetings with effective insights.
• Secured over $2M annually by developing and steering strategic cost savings initiatives and initiating adaptive learning concepts into compliance training.
• Maintained 100% compliance with bank partners and governing agencies requirements through the development and implementation of strategic policies, procedures, controls, and training programs aligned with US credit.
• Analyzed and restructured PayPal’s enterprise-wide training assignment logic using Cornerstone’s LMS for the creation of effective audience assignment targeting rules, ensuring 100% assignment accuracy.

Charlotte, NC, US

• Identified key risk factors within risk framework, discussed the negative impact that the risk factors would have towards risk behaviors and designed / enhanced controls to increase effectiveness
• Reviewed and analyzed internal processes associated with consumer lending regulations and performed test on accounts to check for errors
• Recommended procedural or policy changes to improve the quality and efficiency operations
• Interacted daily with team to discuss compliance issues to assist and update management on changes to process and procedures such as UDAAP, FCRA / Fact ACT, and Dodd-Frank Act, etc

Charlotte, NC, US

• Underwrote FNMA and FLMC refinances for Harp 2, performed Initial Credit Decision’s and Final Approvals
• Analyzed; Title Binders, Appraisal Reports, Credit Reports, Financial Documents, Letter of Explanations, Bankruptcy Documents, Divorce Decree’s, Insurance Binders, Subordination Agreements
• Performed Loan Quality Review audits for junior underwriters to ensure regulatory and compliance was met
• Liaison for Loan Dispositions and Bankruptcy Reaffirmation process improvement

Charlotte, NC, US

• Proactively performed risk analysis on unsecured credit and commercial customer’s banking relationship and reduced company exposure in excess of $12m-15m annually of potential future losses
• Reviewed all of the high-risk mass affluent customers credit request related to extension of unsecured credit
• Participated in the development and maintenance of sound judgmental lending practices through leveraging of analytical tool set including internal systems, credit reporting agencies, BOA and Merrill Lynch deposit and.
• Mentored new credit analyst to ensure all lending philosophy’s were met

Charlotte, NC, US

• Analyze credit reports and financial statements of individuals to determine the degree of risk involved in extending unsecured credit or lending unsecured credit
• Proactively performed 50-60 risk analysis reviews per day on individual unsecured consumer accounts
• Advised customer’s of solutions needed to meet their financial obligations, such as borrowing money through loans, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans
• Creating reports, spreadsheets and power point presentations of credit reporting trends for senior management