Dave N. Email & Phone Number

Columbia, Sc, Us

United States

Championed risk management activities for audits and regulatory exams, acting as primary liaison for BSA OCC regulatory exams and independent audits. Elevated quality assurance framework and developed process improvements across BSA/AML/OFAC operations.Ensured 100% compliance during BSA OCC regulatory exams by coordinating documentation submissions and responses.Introduced reporting systems to monitor BSA staff training, improving compliance and staff effectiveness.Expanded risk-based quality assurance, enhancing BSA/AML/OFAC compliance standards.Created wire reporting system that reduced preparation time by 80% through process optimization, enhancing efficiency in BSA/AML and fraud-related activities.Streamlined high-value account closure procedures, enhancing decision-making for complex cases.

Directed regulatory audits and account closure processes for FIU Department, ensuring compliance and accuracy through collaboration with internal teams. Enhanced reporting capabilities by creating Excel-based tools to optimize data analysis and support compliance initiatives.Managed audit and exam workflows, ensuring timely and accurate documentation submission for regulatory requirements.Investigated and resolved account closures, maintaining compliance and accuracy in coordination with branch teams.Designed Excel-based reporting tools, improving data analysis efficiency and facilitating streamlined compliance reporting.Strengthened cross-departmental coordination, optimizing management of audit and exam-related processes.

Maitland, Florida

Oversaw end-to-end management of risk management, compliance, BSA, and information security programs, establishing comprehensive risk framework and serving as primary regulatory liaison. Led audits and exams from start to finish, including remediation, while coaching cross-functional teams to elevate operational standards and ensure regulatory compliance.Established risk management, compliance, BSA, third-party risk, and information security frameworks, addressing emerging threats and meeting regulatory demands.Acted as primary liaison for OCC exams and internal audits, ensuring seamless communication and fostering strong relationships with auditors and regulators.Managed remediation of audit, model validation, and exam findings, reporting progress and achieving timely resolutions to satisfy Board requirements.Conducted risk assessments for programs and new products, aligning practices with regulatory and best practices.Built BSA and Consumer Compliance programs and implemented Verafin, improving system performance and operations.Provided strategic recommendations for third-party BSA/AML programs, strengthening compliance and reducing risk exposure for issuing and acquiring activities.Safeguarded bank assets and data integrity by managing information security program as designated ISO.

Gallipolis, Oh

Progressed through multiple leadership roles, ultimately serving as Chief Credit Officer and Chief Risk Officer. Spearheaded creation of bank’s commercial credit program, developed comprehensive risk management frameworks, and directed BSA compliance operations. Managed strategic initiatives in ERM, loan review, policy development, and system implementations to support regulatory compliance and optimize bank operations.Program Development and ImplementationBuilt commercial credit program with review processes, risk rating metrics, and supporting credit risk management systems.Developed policy management program aligned with industry standards and regulatory compliance.Authored numerous policies, including Allowance for Loan and Lease Losses (ALLL) and ERM policies, ensuring compliance with regulatory and SEC requirements.Risk Management and ComplianceCreated enterprise risk management program, enhancing risk assessment and mitigation capabilities.Chaired Management Enterprise Risk and Large Loan Grading Committees, leading risk and credit decision-making.Served as primary liaison with examiners and review staff, ensuring effective communication and compliance.Process Optimization and EfficiencyReduced loan downgrades through optimization of loan review function, stabilizing results to few credits per review.Leveraged Lean Six Sigma methodologies to streamline processes, improving loan review and credit analysis efficiency.Automated financial reporting processes using Excel and VBA, cutting preparation time by >50%.Operational Management and OversightDirected credit analysis, BSA, fraud prevention, and ERM functions, ensuring operational excellence and risk mitigation.Led implementation of two major software systems, improving operational performance and data accuracy.Developed tracking and reporting tools for financial monitoring, enhancing analysis and decision-making capabilities.

Mba, Finance

Ma, Mathematics

Bs, Mathematics And Physics