Carrie Pokrefke, Cia Email & Phone Number

Tukwila, Wa, Us

• Assist with the creation, execution and implementation of the annual internal audit plan for Operational, Compliance, Financial, Lending, IT, Governance, Risk & Control audits for a credit union with $30.2 billion in assets. This includes risk-assessing each auditable unit, a risk assessment calibration, establishing time budgets, and developing high-level, risk-based scope considerations. • Managed, led or participated in over 80 audits performed in accordance with IIA Standards. • Responsible for managing the daily activities of a team of Auditors within the Audit Services Department. • Provide ongoing coaching, mentoring and training of staff to develop and encourage their performance. Meet with staff on a timely basis for the purpose of conducting personnel evaluations and providing feedback.• Ensure that productive relationships with customers are established and maintained. • Establish and maintain partnerships with internal customers, based on credibility and trust, as well as a thorough understanding of business objectives, perspectives, and processes.• Use Excel, Access and Tableau for data analysis within the audit process and for managing KPIs within Audit Services to identify issues and seek solutions.• Member of the Data Analytics Team for Audit Services. • Helped build the audit team from four employees in March 2015 to the current level of 14 employees. • Served on the working group to develop and implement RSA Archer for both the Issue Management module and the build-out of the Audit module.• Developed a written Audit Services training manual and onboarding plan for new auditors.• Mapped the consumer compliance regulations to the applicable auditable units to ensure adequate audit coverage.• Served on BECU's Building Inclusion and Leveraging Differences (BILD) Council• Current member of BECU's Environmental Sustainability ERG

2023 Speaking Engagements- Seattle IIA Chapter: Neurodiversity in Audit: Understanding, Valuing, and Cultivating a Neuro-inclusive Environment2022 Speaking Engagements - 2022 Dabrowski Congress: Overexcitabilities at Work- Seattle IIA Chapter: Auditing with Emotional Intelligence2021 Speaking Engagements- SENG Pre-Conference Workshop Co-Presenter: I’m Upset and I Don’t Know Why!! - Gifted Individuals and Vagus Nerve Hypersensitivity in Neurodivergent Kids and Adults. - SENGinar: Emotional Intelligence at Work for the Gifted Adult- The IIA Financial Services Exchange: Auditing with Emotional Intelligence2020 Public Speaking Engagements- 2020 SENG Annual Conference: What to do When You've Spotted 'Just a Gifted Adult' in the Wild!- ACUIA Region 1 Meeting: Auditing with Emotional Intelligence

Clifton Park, New York, Us

• Set the tone for budget development. Served as a sounding board and balance to ensure SENG’s budget had integrity, and is reasonably achievable. Worked with Committee Chairs, Staff and other individuals that are responsible for programs in completing the annual budget. • Monitored and reviewed performance of actual revenues and expenses against the budget and their resulting cash flow.• Reviewed the j990 following audit and preparation for reasonable accuracy, consistency with financial statements and any “red flag” items. Ensured compliance with IRS rules and SENG’s fiduciary responsibility to constituents and donors. Reviews other filings as required.• Engaged an external audit firm to review annual financials, prepare audited financials and to provide audit opinion.• Recommended to Board/ED retention of outside financial service providers (for example, auditor, tax preparer) as needed.• Served as a member of the Executive Committee and Conference Committee.• Reviewed contracts prior to signing with a view to SENG’s ¬¬fiscal health and risk management.• Served as sounding board on financial matters for the Board President, CFO and the Board. • Maintained a general awareness of sound financial practices in nonprofit organizations, educates Board about the same, and ensures no expenses are incurred without appropriate EC/Board review and approval. • Led strategic planning for the Development Committee• Reviewed and approved SENG Staff’s timesheets for payroll

Alexandria, Virginia, Us

• Assisted Regional Management in developing and implementing a risk based examination program for Region III (Atlanta).• Managed three Supervision Technicians with performance appraisals, providing guidance and training.• Reviewed and approved correspondence initiated by three Division of Supervision (DOS) technicians and ten DOS analysts that included troubled condition letters, approval of officials, Regional Director Letters, Letters of Understanding and Agreements and State-Issued Agreements, Preliminary Warning Letters, requests for Fixed Asset Waivers, and Secondary Capital. Reviewed Prompt Corrective Action items and correspondence related to voluntary mergers and liquidations.• Reviewed and approved Quality Control Reports (QCRs) performed by assigned staff of financial institution examinations for compliance with national standards.• Oversaw and coordinated the Division of Supervision (DOS) detailee program by working with the Supervisory Examiners and field examiners.• Provided direction on practices, procedures, NCUA Rules and Regulations and NCUA policies and publications to Region III staff which included 15 Supervisory Examiners, Examiner Field Staff, ten Division of Supervision (DOS) analysts, and three DOS technicians. • Managed the realignment of Region III to include Louisiana and Arkansas over a seven month period; oversaw the labeling and transfer of all electronic files and clean-up of shared networks; on boarded 206+ credit unions with over $9.6B in assets from Louisiana and 61+ credit unions from Arkansas with over $2.6B in assets. Similarly transferred the responsibility of Ohio to Region II.• Served as Acting Director of Supervision when needed. • Assisted in developing a Subject Matter Expert (SME) and waiver processing session for the 2013 National Analyst and Problem Case Officer (NAPCO) Conference. Served as the Region III representative during the presentation.• Maintained Region III DOS Access databases.

Alexandria, Virginia, Us

• Provided comprehensive reviews and quality control analyses of examination reports and problem-solving reports by field staff on federal credit unions.• Identified federally-insured state credit union operational problems based on the review of the state examination and audit reports, insurance reviews and financial reports, Financial Performance Reports and computer-generated reports. • Recognized trends and developed programs, policies and written guidelines for dealing with supervisory and examination issues. • Analyzed financial data and prepared reports to agency management on current and projected credit union conditions.• Ran complex query requests for Region III Management. Recognized trends and evaluated the current and potential impact of the financial condition of individual and groups of credit unions. Quarterly, presented findings to Regional Management that included examiner and regulatory oversight recommendations. • Team leader for the semiannual State of the Region report that was distributed to Senior Management within NCUA.• Took initiative and prepared the National Supervision Policy Manual (NSPM) Word templates for implementation. Established specific steps and timelines for the technicians to prepare the templates for formatting. Wrote Microsoft Word macros to enable examiners greater ease when utilizing the templates.• Prepared and presented training for detailees on common DOS procedures. Showed initiative and produced five videos of the training sessions for future use. The videos were used by other analysts to aid in the training and development of Region III detailees. • Presented four presentations at the 2011 Region III Group Meetings.• Served as the Special Matters Expert for the NCUA’s Region III Bank Secrecy Act and Information Systems and Technology, lending insight, researching topics, and providing guidance on subject matter.

Jackson, Ms, Us

• Selected to and developed a full-scope Safety and Soundness Examination for the regulation of Money Transmitters licensed in the State of Mississippi. Incorporated aspects of credit union and bank safety and soundness examination procedures into a custom-designed program with written standard operating procedures. Served as an on-the-job trainer for four examiners selected to be part of the new examination program.• Drafted suggested changes to the Mississippi Code for the regulation of Money Transmitters (MSB’s) with several changes being adopted into law.• Persuaded credit union management and other decision-making officials with differing goals and interests to adopt new methods, procedures, or techniques to improve operations through Document of Resolutions, Examiners’ Findings and exam reports. • Served as Examiner in Charge for state-chartered credit unions, with assets in excess of $225 million and CAMEL ratings as low as “4.” Identified and ensured correction of management or safety and soundness concerns through appropriate supervision. Assessed earnings, capital, BSA/OFAC compliance, information technology, electronic payment systems, loans, investments, capital markets, and management by reviewing Financial Performance Reports, budgets, loan files, BSA/OFAC programs, ALM models and board minutes. • Managed other examiners ranging from a staff of one to eight during an exam. • Persuaded credit union management and other decision-making officials with differing goals and interests to adopt new methods, procedures, or techniques to improve operations through Document of Resolutions, Examiners’ Findings and exam reports. • Assessed earnings, capital, BSA/OFAC compliance, information technology, electronic payment systems, loans, investments, capital markets, and management by reviewing Financial Performance Reports, budgets, loan files, ALM models and Board minutes.

• Handled employee computer software, hardware and network issues such as file sharing, user account management and network printing.• Setup and installed new computers during a significant computer upgrade that included new software and hardware.• Served as back-up Internet Banking Administrator• Developed a written Information Security Program that included a narrative Risk Assessment and corresponding measures to mitigate uncovered risks within the bank.• Developed a comprehensive bank-wide Disaster Recovery Plan incorporating all areas of the bank to ensure that, in the event of a disaster, the bank could become operational within a specific time frame given a natural disaster or act of terrorism.• Developed several written policies and procedures for the Information Technology Department of the bank, including an Information Security Program, a narrative Risk Assessment, and corresponding measures to mitigate uncovered risks.• Served as Secretary of the Information Technology Steering Committee.

• Developed and performed a bank-wide internal Information Technology Audit that covered Information Security, the AS/400 Core Processing Systems, Bill Pay, Internet Banking, ATM cards, Fedline, the Network, User Access Levels, Antivirus and the Firewall.• Developed and prepared Credit Reviews for existing borrowers using historical financial information and cash flow reports which were then used by loan officers to make a loan approval or denial.• Enhanced financial statement tracking system for better efficiency and to ensure that outdated financial information was updated in a timely manner.• Developed Loan Packets for presentation to the Loan Committee. • Prepared several monthly and quarterly reports for presentation to the Board of Directors.

Jackson, Ms, Us

• Served as Examiner In Charge (EIC) of Credit Union and Information Technology Exams.• Analyzed the earnings, capital, asset quality, management, and liquidity and sensitivity positions of financial institutions. Interpreted balance sheet and income statements.• Reviewed policies and procedures to ensure compliance with all applicable State and Federal rules and regulations.• Assessed the complexity and risk of the technology deployed at financial institutions.• Reviewed consumer and commercial loans for proper documentation and potential risks.• Served as webmaster and redesigned the Department’s website for easier readability and navigation for institutions and the public. Continuously updated the site to include new regulations, laws, and enforcement actions

Bachelor’S Degree, Banking And Finance, Minor In Speech Communication

High School

Bachelor Of Science - Bs, Accounting