Desiree H. Email & Phone Number

Champaign, Il, Us

• Execute compliance testing, including assessing key risks and evaluating associated control design and effectiveness.• Assess and develop the scope of compliance testing, employing a risk-based approach to ensure adequate testing coverage of key risks and controls.• Draft scoping document and create workpapers that include applicable regulatory requirements and adherence to established compliance testing standards, procedures, and protocols.• Identify the root cause for violation of federal law or regulation; and internal policy, procedures, or other control deficiencies.• Present suggestions for process improvements, corrective actions and evaluate the timeliness and proposed remedial actions by Business management.• Track and retest closed/resolved findings to validate the effectiveness of the corrective action taken by the line of business.• Identify opportunities to enhance operational efficiency and effectiveness both for operational processes being reviewed and the Compliance Testing Program.• Assist subordinate team members with guidance and support.• Assist with maintaining compliance testing standards, procedures and protocols by performing periodic quality control reviews.• Assist with the preparation of periodic and ad-hoc reports for management, committee and Board of Directors.

Mclean, Virginia, Us

• HMDA subject matter expert.• Stood-up credit union's first Central HMDA department.• Successful submission of PenFed's first quarterly HMDA-LAR filing.• Developing both high-level and desk manual level processes and procedures for the new HMDA department.• Partner hand-in-hand with the Centralized Adverse Action Team (CAAT) to ensure CAAT's procedures are up-to-date and accurate.• Mitigate HMDA and ECOA regulatory compliance risk.• Identify and interpret risk trends for executive management.• Partner and collaborate with business units to support and ensure compliance with HMDA.• Self-test to ensure accuracy of the HMDA LAR.• HMDA LAR maintenance and submission.• Continuously identify and recommend enhancements for improved data quality and workflow efficiency.• Train and mentor staff and teammates on HMDA regulations, guidelines, procedures, and best practices.• Prepare data reporting as regards Fair Lending and ECOA.

Frankfurt Am Main, Hessen, De

• Conduct compliance reviews to assess and review compliance with legal and regulatory requirements, as well as internal firm policy.• Develop testing modules and conduct testing across all Deutsche Bank Americas business activities.• Analyze compliance management systems (CMS), compliance framework design, and operating effectiveness, including transaction testing.• Prepare and distribute reports to senior management detailing review findings and recommendations.• Work with Bank's various business units, and other stakeholders, to design appropriate remedial actions to mitigate identified risks.• Alphabet soup of regulations from the Consumer Financial Protection Bureau (CFPB), Federal Reserve Board (FRB), and the Federal Deposit Insurance Corporation (FDIC).• Prepare the annual compliance risk assessment from a compliance testing perspective.• Compile and distribute global monthly Management Information (compliance issues detected) reporting.• Quality Assurance reviews of executed Corrective Action Plans.

Seattle, Wa, Us

Supported the Single Family Lending (SFL) business unit remotely from out of state, playing an integral part of the SFL Compliance management team, while also bolstering up the team's project management efforts. Developed the Compliance Analysts staff, and contributed to numerous on-going and ad-hoc projects and research itemsDuties varied widely, in support of pressing work product that needs to be pushed forward, including:• Developing and maintaining the SFL Compliance Management Program. • Responding to requests for information in regard to, and prepare managements responses for: FDIC exams, Corporate Compliance reviews, BSA Department reviews, internal and external audits, Quality Control (QC) audits, and more.• Tracking progress of audit/exam/review exception items to ensure timely resolution.• Weekly meetings with Analyst and Supervisor staff to obtain updates on projects assigned, and to ensure work items are moved forward. Updates, and problem resolution items, are presented to and discussed with SFL Compliance Management weekly.• Prepare, and manage through to final approval and publication, a multitude of standards, processes, and regulatory interpretation memoranda, in order to provide clear guidance to front-line staff on regulatory issues, from the perspective of their job roles, in easy-to-understand language. Upwards of 43 individual documents prepared.• Keep an inventory of, and maintain, an up-to-date SharePoint database of over almost 400 SFL compliance guidance documents.• Developed and maintain department organizational chart, headcount, and job titles using Microsoft Word and Visio.

Seattle, Wa, Us

• Managing compliance member of the Home Mortgage Disclosure Act (HMDA) 2018 overhaul team; analyzing, recommending, and building the program, including developing a division-wide training program.• Principal member of the new loan origination system (LOS) team; vetting, developing, and rolling-out the Encompass platform across operations in eight states.• Point person in SFL for coordinating the 2016 FDIC Compliance Exam.• Built-out program for monthly compliance monitoring reporting to SFL senior management and Corporate Compliance, to keep management and the Bank apprised of the compliance health of the Bank's mortgage operations.• Act as Compliance Manager's deputy in managing a department of 26 employees in four major work groups.• Created all brand-new job descriptions for the SFL Compliance Department, which consisted of writing, and working with HR for approval, of 11 separate, detailed, job-description documents.• Managed new hire requests. Liaised with Human Resources (HR) on candidate “wish list”, selecting candidates, and scheduling interviews. Performed new hire orientations on topics of dress code, safety training, and access to and training on various systems. • Directly responsible for work product of four to six Compliance Analysts and Specialists in their roles as compliance professionals. Their roles covered a variety of topics including: - Bulk sales and "best efforts" reviews. - Compliance research and interpretation. - Marketing and RESPA Section 8 reviews. - Fair Lending. - Actioning declined and withdrawn loan files. - Maintenance and analysis of SFL's HMDA-LAR (Home Mortgage Disclosure Act Loan Application Register).Administrative/business manager tasks such as: - Approved employees’ travel requests and expense reports monthly using Concur. - Approved vacation requests and time cards in Workday. - Approved information technology (IT) service requests in HEAT ticketing system.

Seattle, Wa, Us

• Key team person of the Know Before You Owe (KBYO) TILA-RESPA Integrated Disclosures (TRID) Rule construction and implementation team. • Designed and executed a compliance review process for examining TRID Loan Estimates (LE) and Closing Disclosures (CD) for compliance accuracy prior to being delivered to consumers. Program was extremely successful in reducing bank exposure in the extremely strict environment of the newly-implemented regulation; which allowed HomeStreet Bank to be on the leading edge of TRID compliance in the mortgage marketplace. Supervised and trained three compliance analysts in the program.• Trained a large group of South Puget Sound managers and loan officers on the upcoming TRID changes, followed by a townhall style questions-and-answers session.• Assisted the start-up consumer loan department with evaluation and set-up of their compliance programs and loan documents.• Coordinated with quality assurance and internal audit departments on compliance expectations for residential loans.Notable Honors:• Selected to represent HomeStreet Bank at the Honolulu Board of Realtors Summer General Membership Meeting in June 2015. Presented a lively talk and Q&A on the upcoming implementation of TRID.

Seattle, Wa, Us

• Principal compliance representative on multiple, major projects, including: - Launching the new LoanQuest.net loan origination system (LOS), including vetting of documents from a separate vendor, DocuPrep. - Developing home equity line of credit (HELOC) and home equity loan (HELoan) programs. - Loan documents and compliance review for rolling into new states, such as Colorado (CO) and Nevada (NV).- New product launches including jumbo loans held for sale, multiple new broker and correspondent relationships, and Spanish-language Good Faith Estimates (GFE's).- Support for servicing transfer of loans purchased via a bank acquisition.- Fair Lending matched pair review analyses and responses.• Drove project to build infrastructure within and written guidance to existing, embedded Adverse Process Group, which processed declined and withdrawn loans, more than doubling the output of the six person team.• Developed a very successful new program for accurately and expediently reviewing loans queued up for bulk or "best efforts" sales. This process saved the bank multiple thousands of dollars in potential lost sales through building negotiating our case(s) with compliance reviewers on compliance status of loans being sold.• Designated department document and product expert, ensuring that all new and newly-activated loan programs operate within regulatory requirements.• Developed team of six entry level employees to competently answer compliance questions from the front-line with speed and confidence.• Lead team of two Compliance Specialists and six Compliance Assistants, under direction of the Compliance Manager.

Everett, Wa, Us

• Successfully built the Bank’s Lending Compliance Management Program from the ground up, including writing easy-to-read procedures, developing a training program, and establishing audit parameters.• Seamlessly implemented new and changed regulations such as Red Flags rules, MDIA, 2010 RESPA changes, and the S.A.F.E. Act.• Effectively built communications with employees across the spectrum, including Board Members, Executives, Commercial and Consumer Loan Officers, and Loan Processors.• Analyzed and updated the existing credit request write-ups to ensure a consistent methodology and layout, as well as adding several crucial components such as a global cash flow analysis, evaluation of global debt with the Bank, and Fair Lending comparisons.• FDIC Safety and Soundness Exam and CRA and Compliance Exam coordination. Lead role in the the three compliance exams and visitations that occurred during my time with MPB.• Developed Regulation O analysis process and maintained regular and ongoing evaluations and reviews of outstanding debt to board members, officers, and major shareholders.

• Excellent loan support to the Chief Credit Officer, in addition to three commercial and one consumer loan officer at a small, start-up, community bank.• Analyzed personal and business tax returns and financial statements, including global cash flows. • Prepared detailed, quality Credit Authorizations from front to back on a variety of credit requests including Commercial & Industrial and Commercial Income Property.

Bellingham, Wa, Us

• High-level loan support to two commercial loan officers, with a focus on construction lending, in a fast-paced, highly-competitive, acquisition and development market.• Daily review of NSF and OD items and coordination with Team Leader on approvals and declines.• Ordered and cleared title as well as obtained properly-compliant flood determinations in a timely manner in order to avoid unnecessary delays in customer closings.

Walla Walla, Washington, Us

• Stellar loan support to three commercial loan officers, specializing in asset-based and SBA lending.• Successfully established and maintained a much-needed tickler system to track financial items required from loan clients.• Ordered commercial loan documents, reviewed documents for accuracy, and coordinated loan closings and signings with clients.Notable Accomplishments:• Multiple-time award-winner of the "Kiss Award" for perfect capture and entry of customer's CIP (Customer Information Program) data. This was during the early season after the KYC (Know Your Customer) rule's effective date.• Lending staff once crowned me "queen for a day" with a paper crown and sash, to thank me for my excellent support of their clients and loan processes.

Us

• Highly- valued assistant to the busiest (highest volume and highest dollar amount) loan officer at the Main Office headquarters location.• Accurately prepared consumer and commercial loan documents with LaserPro software.• Monitored commercial lines of credit for compliance with covenants and advance restrictions.• Determined loan officers’ compliance with Bank policy and procedures through review of credit files, collateral records, and loan agreements.

• Progressively promoted through positions of Teller, New Accounts, Consumer Lender, and Operations Supervisor in a retail branch.• Responsible for hiring, training, and daily oversight of 6-7 tellers.• Safe deposit box maintenance.• Reviewed and approved NSF and OD items, maintaining reversal rate well under corporate 3% goal.• Completed monthly and quarterly branch compliance certifications, which included:-BSA/AML reviews of accounts for transactions totaling over $10,000.-Auditing teller transactions and cash drawers.-Auditing and balancing money orders, bank checks, travelers' cheques.-Auditing ATM transactions and cash.-Proper retention protocols and destruction of out-dated materials and documents.-Abused accounts closures and transaction losses.• Prepared consumer loan documents, coordinated loan closings, and closed loans by explaining documents to customers. Boarded loans and monitored loan files through to perfection.Notable Achievements:• April 1998: Earned second place in Region 09 for highest cross-sell ratio.• 1997: Numerous recognition awards received for referrals, audits, and "mile high" service.• July 1995: Attained the branch award for highest Plus Package (checking account add-on) sales.• 1995-1997: Obtained secret shopper scores on my performance of 90.1 (1995), 89.6 (1996), and 100% (1997).

Everett, Wa, Us

• Recruited, trained, and supervised 50+ newspaper carriers, serving thousands of customers in Marysville, Arlington, Stanwood, and Granite Falls.• Responsible for accurate and timely delivery to all customers in assigned district.• Key job skills included management, sales, and customer service, in a fast-paced, detail-oriented environment.Notable Honors:• Twice won the District of the Month award.• Twice achieved the Circulation Department's Employee of the Quarter Award.

• Voluntary correspondent to local, hometown newspaper.• Wrote weekly articles covering sports at Marysville-Pilchuck High School, including girls' tennis and boys' wrestling.• Assignments also included local interest stories. Once such story was an interview with a local Marysville girl who was appearing in the Pacific Northwest Ballet's production of The Nutcracker.

Education record

Certified Community Bank Compliance Officer (Ccbco)

Certified Mortgage Compliance Professional (Cmcp)

Risk And Compliance Conference

Rma'S Annual Risk Management Management Virtual Conference

Annual Current Issues/Certification Conference

Legal Issues/Regulatory Compliance Conference

Honors Graduate | Member National Honor Society