Emily Stringfellow, Cpa Email & Phone Number

Andalusia, Al, Us

Alabama, United States

•Perform tasks associated with all parts of the audit lifecycle with specific focus on those auditable entities impacting the capital planning and stress testing processes, including but not limited to capital management and planning, risk identification and assessment, stress scenario design and development, model risk management, capital risk oversight, and data aggregation and reporting. •Perform audit planning exercises to develop appropriate risk profile for auditable entity and scope audits and projects. •Develop audit objectives and corresponding audit procedures to determine the effectiveness of governance and controls. •Communicate regularly with Management to develop strong relationships throughout the Institution. •Ensure complete and accurate updates to Management on current project status, identified areas of improvement, control breakdowns, and any logistic audit details.•Develop and facilitate tasks required to ensure effective and timely management of the audit issue pipeline.•Participate in department-wide initiative within Internal Audit to enhance and refine audit practices and methodologies that conform to the IIA International Professional Practices Framework. •Champion the implementation of audit practices and methods within various audit teams and serve as key communication channel to the Audit Strategy and Practices team on implementation status and potential refinements or improvements in audit processes.

•Lead Auditor for continuous monitoring and account management activities for the Model Risk Management (MRM) functions of the Association.•Managed an outsourced cross-functional model validation engagement of key interest rate risk, stress testing, CECL, and funds transfer pricing models.•Facilitated and participated in co-sourced engagements over the Associations asset liability management, liquidity risk management, loan pricing and funds transfer pricing, and MRM functions.•Wrote and enhanced audit work programs for operational reviews within the accounting, finance, and risk management areas, including MRM and Internal Control over Financial Reporting.•Facilitated and completed the Annual IA Risk Assessments for multiple Association lines of business, including, Integrated Risk Management functions, Finance, and Strategy.•Assisted in the development and writing of audit work programs (internal and co-sourced), audit reports, memos to the Audit Committee, audit methodology documentation and work instructions.•Performed monitoring and validation testing for outstanding internal and external audit and exam action items.•Coached and taught audit methods and organizational specific business processes, as well as regulatory and financial accounting guidance to colleagues and audit staff.•Performed Internal Credit Reviews in accordance with regulatory standards, industry best practice and Association credit policies for the Retail, Commercial and Capital Markets portfolios.

•Managed a segment of the Bank's model inventory and supported the Model Risk Management (MRM) community across the functional lines of business through the development, validation, and post implementation model governance processes. •Facilitated model working group meetings designed to review and approve a model’s proof of concept, methodologies, data needs and sourcing, and development of post implementation monitoring plans and to ensure the model governance and implementation frameworks guidelines were adhered to.•Coordinated processes required to ensure the MRM Committee functioned as designed, including development of detailed management reporting and analytics for model validation results and executive summaries of critical and high validation items, collation of package materials, recording of meeting minutes, and retention of model governance documentation. •Performed quarterly testing of the model performance and monitoring plans, verified performance breaches were reported through appropriate oversight committees, and reported quarterly testing results to the MRM Committee.

Andalusia, Alabama

• Performed analysis of current state internal audit function and developed an Internal Audit Strategic Plan, including Key Performance Indicators to monitor performance.• Determined the audit universe, and developed a risk assessment methodology, performed the Institution’s first enterprise-wide risk assessment.• Developed the IA plan supported by the documented IA risk assessment and developed a budget to be presented to the Audit Committee.• Developed key audit methodologies in accordance with the IIA Professional Practices Framework and the FDIC guidelines, • Enhanced and ensured a sustainable and repeatable audit and exam issue remediation tracking and monitoring system and reinvigorated all Audit Committee and Board reporting.

Birmingham, Alabama Area

•Served as the Audit Partner for Model and Market Risk Management and the ALLL for BBVA US and for Model and Market Risk for Parent subs within the US footprint that were FRB regulated.•Attended ERM oversight committees established to monitor emerging or changing risks for MRM and market risk and the ALLL, including the CECL accounting standards. •Performed in-depth, annual and semi-annual IA risk assessments for MRM, Market Risk, CECL readiness, and current ALLL functions.•Led IA teams and helped team develop the skills needed for the successful performance of each phase of an engagement, including, development of a planning document, development of audit work programs, documenting audit analysis with strong audit workpapers, and strong communication and interpersonal skills development by allowing opportunities to facilitate audit kick-off and exit meetings, assist in audit report writing, and preparing them for difficult conversations with management. •Managed teams that performed independent assurance reviews over the quality of model validation around capital planning, pricing/valuation, market risk, and other business decision making models. •Served as IA Advisor during the Bank's CECL implementation project. Managed the CECL Advisory review for the completion of the development phase. •Co-managed a global IA team conducting an Advisory review of IFRS 9 implementation, including the review of the models developed for the consolidation of BBVA US financial data. •Managed SOX design and operational effectiveness testing for BBVA US, and 2 US subsidiaries. •Facilitated effort to refresh and mature the IA Training Program: Including coordinating with IA Directors to determine key training needs, developing individualized training plans based on the auditor experience, expertise, and desires for growth and development, established working groups with IA managers to begin the internal development of trainings, and coordinates training schedules.

Birmingham, Alabama Area

• Facilitated the efforts to obtain cross-functional management buy-in of the development and implementation of an enterprise-wide Data Governance Program. • Established governance and oversight committee structures for the escalation, prioritization and monitoring of the informational roadmap. • Managed the implementation of the Bank's efforts to develop an enterprise-wide Business Glossary and Metrics repository that aligns with the global methodologies and BCBS standards on Risk Data Aggregation. • Managed the team that performed a gap assessment of the Bank's RDA reports, and in collaboration with Engineering and Risk Management, presented issues noted to the report owners and developed tactical and strategic remediation action plans.

Birmingham, Alabama Area

• Developed models for the Bank's CCAR Pre-Provision Net Revenue Schedules, including forecasting impacts to salaries and benefits and assets under management in a stressed economic environment. • Assisted an effort to review established and documented cross-functional CCAR processes, identifying efficiency gains by eliminating duplicative or stale controls, and closing gaps when enhancements were needed to processes. • Performed a risk review of commercial loan data from legacy source systems through to the credit risk data base, assisted Risk Management and MIS with the development of internal controls for unmitigated risks identified during the review, and presented the documented analysis and designed controls to the Institution’s CCAR control working group for approval. • Coordinated with MIS, IT, Risk, Treasury and Finance to ensure CCAR Data reporting metrics were aligned cross functionally to ensure synchronized and accurate management reporting. Reconciled historical data, CCAR loan and deposit projections, and macroeconomic variables to applicable sources prior to the final CCAR loss model runs. • Facilitated the implementation of the CCAR Data Working Group and prepared the monthly working group packages.

Birmingham, Alabama Area

• Capital Planning and CCAR continuous monitoring liaison for various functions involved in capital planning, including Treasury, Finance, Economics & Research, and Model Risk Management (MRM).• Facilitated and led the CCAR audit for multiple years and developed unique, repeatable process for performing edit checks for CCAR data schedules, researched the macro-economic variable modeling process, and performed risk assessment of the end-to-end Capital Planning process and analyzed the adequacy of internal controls designed and implemented cross-functionally for the overall stress-testing and quarterly runs.• Developed and led the IA department’s first MRM audit after the release of SR 11-7. Became the department’s subject matter expert for model risk practices and SR 11-7 and the line of business liaison. • Built the first extensive work program developed for a full-scale Allowance for Loan Losses audit. Led the audit after the implementation of the Moody's rating tools and new ALLL supporting methodology. As part of the audit, reperformed calculations of two sub-models developed for the ALLL which resulted in the identification of incomplete data inputs and other process weaknesses. • Facilitated and led the SOX Design and Operating Effectiveness testing for BBVA US, BBVA Securities and BBVA NY Branch for 4 years, including weekly reporting to the parent company.• Developed key relationships with the Compliance team of the US Agency and led the BSA/AML and Compliance audits.• Developed and conducted key staff training constructed with the guidance and methodologies developed by the AICPA, IIA, and PCAOB. Training included real world problem and answer sessions and knowledge share breakouts with IA leadership. • Served as a Department Champion on the rollout of the new audit work-paper repository.

Birmingham, Alabama Area

• Reviewed the General Allowance for Loan and Lease Losses for a subsidiary of the Parent organization. This included working with a new team and under new supervision, also in a new geography. Business relationships were built that still exist today.• Performed audits of the BSA/AML compliance functions for the institution, as well as multiple US subsidiaries owned by the Mexican sister Bank. These subsidiaries included an FX trading desk, a US Agency, and a Money Transfer Service Business. • Developed a specialization in reviewing CIP/KYC documentation for High-Risk Customers and Suspicious Activity Reports (SARs) and No-SAR dispositioning.• Performed enhanced data analytics testing of the Institutions BSA/AML Transactional Monitoring system. Developed a model to run parameters that mirrored the system on an independent data set. • Reviewed and analyzed Operational Loss Model scenarios, including performing financial analysis to determine if loss allocations were accurate and supported.• Reviewed the accounting processes for the institutions outsourced Customer Call Center and identified unintentional accounting errors resulting in Vendor paybacks to the Institution.

Birmingham, Alabama Area

•Assist in operational, regulatory, and compliance audits; •Evaluate internal control processes and related procedures; and•Communicate audit results to audit team leader.

Birmingham, Alabama Area

• Assisted in performing HUD real estate audits.• Prepared financial statements for LIHTC properties.• Developed skills using firm generated auditing software.

Masters In Accounting, Accounting

B.S. In Business Administration, Accounting

Activities and Societies: Beta Alpha Psi Member Association of Certified Fraud Examiners