Debbie Moser Email and Phone Number

Capitol Bancorp Limited was a publicly-traded, multi-billion dollar national community banking company with a network of separately charted banks located from coast to coast. As a compliance analyst, I assisted with the implementation and maintenance of the company’s compliance risk management program.Bank Compliance Reviews - Tested the effectiveness of affiliated banks’ compliance processes through formal on-site reviews. Identified any deficiencies or violations of federal regulations and discussed with management; recommending ways to correct any deficiencies or violations. Prepared written reports of findings that the banks formally responded to. Final reports were presented to the banks’ Board of Directors.Policy and Procedures - Updated existing policies, procedures and testing documents as needed for regulation changes and process enhancements. Created new policies, procedures and testing documents as required for new regulations. Posted documents to the company’s intranet website.Training - Conducted annual Bank Secrecy Act and Deposit Compliance training for affiliate bank staff. Conducted annual Board of Director training that included a full scope of federal regulations. Conducted De Novo training as new banks opened; which was an all-day session on the full scope of federal regulations. Conducted specific training sessions as regulations are created or updated; or if banks were struggling with a particular subject.Bank Communication - Assisted banks during regulatory examinations or when dealing with specific compliance-related issues. Provided compliance advice through one-on-one communication, articles within a quarterly newsletter, and through memorandums.

Managed operations of the bank which included facility management, employee training/supervision, process improvement, and customer service assurance. Organized and managed staff meetings, internal certifications, and Human Resources. Improved transaction sales and processes by implementing software products including cash management, business debit cards and Branch Connect teller system. Prepared entries and adjustments to operating statements and prepared cash position reports. Maintained general ledgers and other financial and accounting records. Researched and responded to inquiries from federal/state examiners and internal auditors in writing and verbally. Ensured proper disposition of unusual or suspected fraud items.

Held management positions that included interviewing, hiring, coaching, developing and supervising staff of 6 to 25 associates. Measured and forecasted productivity, Full Time Equivalency (FTE) and non-credit losses. Maintained satisfactory audit conditions by adhering to bank policy and procedures. Tempe Cash Vault - Managed three units that were responsible for providing excellent customer service, balancing general ledgers/tellers, researching teller differences/customer disputes, and processing corporate customer deposits. Contributed toward reduction of cash on hand by $20 million in 6 months. Two associates were named as National Customer Excellence Leadership Award winners. Maintained an excellent working relationship with vendors and other financial institutions. Debit Recovery - Assisted with the creation of the first Debit Recovery unit to recover charged off losses. Developed statistics, unit procedures, audit standards and Quality Measurement Reports. Worked closely with business partners at the loss site and created a team action record to track the issues. Shared successes with other new recovery teams to assure standard practices and a quicker start up process. Implemented a Natural Work Team.Bank-by-Mail / Verification of Deposit (VOD) - Developed/enhanced customer focused workflow and procedures. Conducted monthly conference calls for national VOD/Credit Inquiries. Managed projects, which included a core system conversion, relocation of VOD's to Seattle, Cycle of Service, regionalization of operational functions, and evaluation/implementation of processing standards.Customer Service Manager - Managed banking center daily operations including regulatory and physical controls, extraordinary customer service, staffing and implementation of sales programs. Monitored customer traffic by floor managing. Created a positive environment conducive to high volumes. Frequent recipient of customer service and sales awards.