Responsible for the development, implementation and management of a comprehensive risk-based Compliance Management Program designed to ensure regulatory requirements across bank products, services, and operations are adequately addressed and that compliance risk is appropriately identified, measured, monitored, and controlled. Keeps Executive Management and the Board of Directors apprised of new regulatory requirements and emerging compliance issues and ensures that associated risks are evaluated and appropriate controls are established to mitigate those risks. Consults with key stakeholders and provides compliance direction in the development and implementation of policies, procedures, and controls to ensure compliance with applicable laws, regulations, and industry best practices, balancing business strategy with appropriate risk management controls. Provides compliance input on business action plans, projects or operational requests. Communicates and interacts with regulatory agencies, external consultants, and other internal risk management groups within area of responsibility. Oversees the regulatory examination process

Developed, implemented and administered a formal Consumer Compliance Program, including policies, procedures, and training. Was instrumental in the substantial revision and implementation of bank policies and procedures. Coordinated the implementation of changes as required by legislative and regulatory change including residential construction and home equity regulations. Responsible for loan review and loan portfolio administration.Keller State Bank was acquired by Frost in January 1999.

Developed, implemented and administered a successful Consumer Compliance Program at the holding company level for two subsidiary banks. Coordinated the implementation of changes as required by legislative and regulatory change. Assisted senior management in revision and institution of policies and procedures. Information source to bank management, loan officers and customer contact personnel. Developed and conducted compliance training.Established and maintained an Internal Audit Program for two subsidiary banks. Performed internal audit procedures bank-wide. Assisted department managers, officers, and staff in improving and enforcing internal controls.Maintained the general ledger and prepared quarterly financial reports for the bank holding company. Prepared and filed various regulatory reports.

Full supervisory responsibility for staff members performing operations duties in all general banking departments, including loans, tellers, customer service, bookkeeping, clerical support and branch operations. Instrumental in the acquisition and merger of a failed community bank into a branch office. Organized and managed operational policies and procedures. Responsible for employment, recruitment, personnel administration, salary administration, and training. Managed the bank's daily reserve and money position. Reconciled general ledger accounts with subsidiary records. Helped establish annual operation budgets. Ensured the bank's compliance with applicable federal and state laws and regulations. Prepared and filed various regulatory reports. Previous positions held at the bank included: Compliance Officer, Loan Processor, Facility Manager, Bookkeeper, and Teller.