Dwayne Williams Email & Phone Number

Southeast Region

Examiner with experience for small and large financial institutions.• Conduct supervisory activities to determine financial institutions' compliance with regulations and statutes related to consumer compliance, including fair lending with special attention to UDAAP;• Assess compliance risk management programs and practices, internal audits and internal controls;• Identify, assess and address highly complex supervisory issues and risks and make recommendations for improvement;• Perform risk focused examinations, present findings as well as prepare reports and work-papers that support exam findings;• Communicate findings to CFPB and institution management; • Perform duties as the Examiner in Charge with teams of experienced and trainee examiners reporting to me;• Provide training and feedback to lesser experienced examiners; and• Provide feedback and assist in the continuous development of the examination procedure.

Los Angeles

Directly responsible for planning, monitoring, and directing multidisciplinary projects across RVC Electronics. Projects are completed with definitive timeline and gridding. Work directly with various business units, IT professionals, vendors and other internal departments. Lead Project Manager on both Mobile Iron and Blackberry 10 upgrade. Both projects brought in on time and under budget.Project Proposal Manager - Coordinated multidisciplinary resources from 6 firms to develop Federal RFP response, conduct orals, develop, rehearse and choreograph effective client presentations, methodology, collaboration with teaming partners. Created proposal using Adobe InDesign. Manage the development of responses to Requests for Information: set up meetings, create compliance matrices and outlines, manage schedule, coordinate contributors, and develop proposal outlines. Selected Achievements:Proactively monitor project direction and progress making course corrections as needed to ensure project success with no scope creep. Held regular status meetings with project team.Manage vendor relationships.Provided oversight on support, operations and best practices for recommended solutions.Executed successful deployments with promotions resulting in record customer traffic increase of 33%.Upgraded mobile device management system on time and on budget.Integrated telephony with an upgraded mobile device management system from inception. Created Project Charter through Alpha and Beta testing phases.

Costa Mesa, Ca

Responsibilities included the analysis of residential loan applications to determine the acceptable risk level for Conventional and Government residential mortgage loans while adhering to Federal National Mortgage Association (FNMA), Federal Home Loan Mortgage Corporation (Freddie Mac) and FHA’s guidelines in accordance with the HUD Handbook 4155.1.Additionally, responsible for the direct communication with Mortgage Insurance companies in regards to Mortgage Insurance (MI) commitments. Also provided ongoing customer service and support to all on-site customers and retail loan production officesSelected Achievements:Coordinated and moderated seminars for the bank at Neighborhood Assistance Corporation of America (NACA) to work with homeowners at risk of losing their homes. Provided counseling and solutions for home retention.

Atlanta, Ga

As Project Manager, directly responsible for planning, monitoring, and directing multidisciplinary projects. Projects are completed with definitive timeline and gridding. Worked directly with various business units, IT professionals, and vendors.Selected Achievements:Developed Project plans, work breakdown structures, schedule vendors, budget analysis, critical path and resource assignments for projects that are subject to management review and approval.Managed day-to-day operational activities and lead cross-functional project teams.Headed unified communications project including telephony, video presence, and teleconferencing.

Greater Atlanta Area

Managed and oversaw over 50,000 square feet of retail space. Responsible for communication with tenants, to include answering questions and providing written follow-up to all actions. Also, REO portfolio; repairs, capital improvements, and contracted services, etc. Negotiated contractor repair costs and reviewed and approved all incoming invoices for each property to ensure payments were been made and work was completed. Visited and inspected each property on a quarterly inspection schedule. Maintained all tenant accounts. Collected any overdue rent utilizing various means such as visiting the tenant in person, telephone calls, late letters, and default notices, as well as documenting all interactions etc. Maintained collection notes. When necessary, responsible for overseeing the dispossessory and eviction process to include filing all documentation and representing the Landlord at any dispossessory proceedings. Reviewed and enforced Operation and Easement Agreements (OEA’s), gained anchor tenants approval when necessary for large projects and/or relaxation or release of restrictions within the leases. Responsible for creating monthly collection, budget, and tenant status reports. Provided copies of the reports to all stakeholders and meet with the various stakeholders monthly to present updates and answer any questions in regards to status of tenants. Responsible for new tenants set up, vendor management and contractual services with Landlord approval. Suggested capital improvements and renewal negotiations. Prepared and reforecast budgets and managements plans.. Created various analytical reports utilizing JD Edwards Enterprise software (JDE). Utilized Property Management Customer Relation Management Software (PMCRM) to track status of tenants. Responsible for managing staff of 3 account representatives and 2 support staff. Responsible for collecting and reducing outstanding unpaid gross rents from $75,000 to $8,000 in less than 7 months.

Atlanta, Ga

Designed and managed presentations and supplemental materials for Corporate GroupManaged multiple projects across sales and marketing departments. Developed project charter, scheduled team meetings and tracked process progress for project management.Provided administrative support to the President, Marketing, Production, Business Development, and Retail Sales departments. Selected Achievements:Sales and MarketingIncreased sales from $10k to $100k per month in a 6-month periodHelped grow online network from 25 to over 80 affiliate sites and from 1 million page views per month to over 5 million page views per month in 6 month periodExceeded goals by 300% in the 4th quarter of 2005

Greater Atlanta Area

As Branch Manager, responsible for building relationships that would enhance branch production as well as personal loan production. Managed 15 loan officers. Responsible for hiring sales staff. Responsible for providing training and direction to loan officers in order to assist in the acquisition of new loan purchases and refinances. Responsible for forecasting monthly closed loan sales and volume. Additionally, duties included providing detailed monthly sales reports to Upper Management with detailed breakdowns of the loan pipeline, closings and loan details. Created and presented branch sales forecasts at weekly Manager’s Sales Meetings to the District and Regional Sales Managers as well as the other Branch Managers. Spearheaded weekly Branch Sales Meetings with the goal of implementing strategies for reaching corporate, branch and individual sales goals as well as to provide ongoing product and sales support with training.Construction Manager. Responsible for management of all construction loans and the subsequent disbursements. Managed construction progress and sub-contractor payouts. Responsible for insuring construction was completed according to code and signed off on by all city and county municipalities, and that Certificate of Occupancy was received before dispersing final payouts. Developed builder and realtor relationships. Developed marketing and desk rental agreements with builders and realtors. 84% of closed loans were sales versus refinances. Average price point was $275,000.

Greater Atlanta Area

Responsible for all hiring sales staff and operations support staff. Providing training for sales staff and arranging training for support staff. As Branch Manager, responsibilities included spearheading all Branch Sales Meetings to provide direction, motivation and training to assist in ensuring the success of the sales team in reaching corporate, branch and individual sales goals. Also responsible for providing weekly written sales reports to the Regional Sales Manager. In addition, participated in weekly Managers meetings and presented sales data outlining the Branch’s production versus sales goals. I took over a branch that was manager-less for the previous 9 months. Increased branch monthly closed loan production from $1.5 million in closed loan production to $7 million monthly production in a period of 11 months. Additionally, I spearheaded negotiation of marketing and sales-desk agreements with realtors and builders to increase branch revenue through increased loan activity. I was responsible for both personal production of $1.8 million in monthly loan production as well as branch production of $12 million in loan production. Managed 17 loan officers.Increased revenues by 28% to an annual run rate of $87,000 dollars within 10 months.Reversed negative margins by $90,000 and drove an additional $200,000 that was realized by year end, which took branch ranking from last in region to # 3 out of 12 branches. Responsible for compliance of all loan documents with FHA guidelines. Responsible for spearheading the compliance process for all branch reviews. Responsible for implementing program changes and overlays to both operations and loan officers, as FHA and Conventional programs changes came from the lender.Responsible of Emerging Markets program, designed to increase homeownership in poor and underserved communities.

Greater Atlanta Area

Responsible for developing relationships that would enhance personal loan production. All business production self-sourced through my realtor and builder contacts. Yearly personal production was, $40 million.Developed builder and realtor relationships. I developed marketing and desk rental agreements with builders and realtors. I assisted my Branch Manager in negotiating the terms of the agreement within the parameters set forth by corporate. 87% of closed loans were sales versus refinances. Average price point was $370,000.Emerging Market manager. Tasked with heading sales team that provided counseling, seminars and implemented special loan programs devised to increase homeownership in underserved communities.

Greater Atlanta Area

Focused on building my sales team as well as creating and implementing policy and guidelines with the express intent of acquiring customers and cultivating strategic partnerships to accelerate business development for the my station, which was a privately owned Amoco franchise.Exceeded plan and goals each quarter. Acquired 1100 customers and generated enough Return on Equity (ROE to purchase an additional station, which ultimately led to the company’s successful sale in May, 2001.Grew revenues from $1.9 million to $4.3 million over a three-year period via strategic partnerships with other As Owner/Operator, responsible for all staff hiring decisions. Developed a training program for all sales staff. Once implemented, trained and promoted one of the sales staff to training manager. Developed an ongoing monthly training program to teach up-selling techniques and implemented monthly sales contests based on a formula developed to adjust for day and shift differentials. Developed loss prevention strategies to cut both external and internal loss through a system of inventory control that required both the new shift and the previous shift to numerically match key high loss inventory items. Reduced losses by 14% over a 9 month period utilizing both this method and also through the implementation of interactive camera video systems with a direct link to all registers.

Frankfurt Am Main Area, Germany

Logistics Management