Christina Willis Email and Phone Number

Manage Compliance Programs for Consumer, Small and Business Banking (CSBB). Promoted from Senior Compliance Associate to Lead Compliance Officer in 2020 in recognition of exceptional performance and contributions. • Serve as Compliance Profile Manager for CSBB’s compliance requirements and controls across several lines of business.• Implemented proactive risk identification and early intervention strategies, driving effective risk management and consistently achieving success across all performance metrics.• Effectively manage the Compliance Staffing Program for CSBB Compliance, including full-time and contract employees.• Developed and executed workforce strategies, optimizing staffing operations and logistics to ensure seamless business continuity and timely fulfillment of staffing needs.

As an Operational Risk Consultant, successfully managed and mitigated regulatory risks and issues, leading to enhanced compliance and reduced operational disruptions.• Oversaw and governed multiple critical risk programs, including Business Profile Management, ADA, UDAAP, Volcker, and Required Absence, ensuring alignment with regulatory standards across business lines.• Provided strategic oversight of the control environment, driving consistency and adherence to regulatory requirements.• Leveraged data analysis to identify emerging risks and proactively addressed them, resulting in significant improvements in Key Risk Indicators (KRIs) and strengthening overall risk management practices.

As a Compliance Consultant in Mortgage, effectively reduced regulatory defects by providing expert guidance to team members and Senior Leaders on compliance issues. • Collaborated closely with the Line of Business and Senior Leaders, successfully moving Operational Risk Profile ratings towards Satisfactory, thereby enhancing the organization’s risk posture.• Oversaw and managed assigned regulatory programs with precision, ensuring full compliance.• As a Subject Matter Expert on regulations, packaged and refined compliance testing reporting, driving actionable insights and timely escalation of issues, which led to significant improvements in regulatory adherence and operational efficiency.

As a Quality Assurance Analyst, conducted nationwide internal retail branch inspections, ensuring strict adherence to regulatory requirements, work standards, policies, and procedures. Delivered comprehensive written risk analyses to leadership, highlighting potential areas of concern. Collaborated with branch management to develop and implement corrective action plans, effectively mitigating future risks. These efforts resulted in enhanced compliance, improved operational consistency across branches, and a stronger overall risk management framework within the organization.

Underwrote a wide range of financial products, including unsecured and secured loans, lines of credit, and transportation loans, ensuring sound credit decisions that minimized risk and maximized profitability. Served as Denver Center Quality Credit Champion, conducting internal audits and providing targeted coaching to reduce underwriter errors and increase productivity. Delivered comprehensive training to underwriters, enhancing team expertise and consistency.

Served as a “Mortgage Master”, duties included Underwriting, Closing, Funding, Shipping, and dealing with post-closing issues. Worked with several different products/guidelines simultaneously. Traveled to different sites across the USA to assist offices and/or assess operations. Established and managed a new office for ComUnity Lending in Tampa, Florida in 2005. Worked with Project Management on various special projects and assignments.