Eric Gutierrez Email & Phone Number

El Monte, California, United States

El Monte, Ca

Pasadena Ca

Responsible for the administration of deposit-related compliance for all areas of Bank Operations. Conduct compliance monitoring, research and training. Interface with FDIC and internal auditors during review and work with appropriate departments on remediation of findings. • Comprehensive understanding and application of deposit-related laws, regulations and best practices including, but not limited to Reg E, CC, P, D, DD, RFPA, Identity Theft and BSA• Review and approve all Marketing Department material to ensure it avoids reputation risk and complies with TILA, TISA, UDAAP, and Fair Lending• Research and resolve inquiries pertaining to Bank policies, procedures and banking regulations• Point of contact for regulators and internal auditors for areas related to deposit compliance• Provide management responses to internal audit and FDIC deposit compliance findings and work with key members of the Bank on corrective action • Execute data integrity reviews for regulatory reporting requirements of the CRA• Identify loans subject to CRA and HMDA data reporting• Utilize analytical skills to effectively assess risk, identify root cause of issues and identify operational deficiencies• Prepare and create monitoring reports for presentation to the Audit and Risk Oversight Committee• Research and analyze legal data, evaluate applicability and draw logical conclusions• Update and create policy, procedure, and forms as necessary in response to regulatory updates or the evolving products and processes of the Bank• Knowledge and application of information sharing and privacy related regulations including FCRA, GLBA, RFPA, COPPA, TCPA, CAN-SPAM, HITECH, and HIPPA

Pasadena, Ca

Provide interim and temporary operations and management relief as needed to cover absences, staff vacancies and support special projects. Function as the Branch Security Officer. • Provided relief to branches and quickly familiarized self with branch personnel, processes, and unique aspects of every office in order to offer a seamless transition to my temporary coverage• Performed branch audits and provided feedback to branch and Region Operations Manager• Reviewed policies and procedures for Operations and Compliance during the rollout of the new wire system, and assisted with development of the Reg CC web based training • Selected by CEO and Retail Banking Executive to lead project team in revising and streamlining policies, procedures and processes; Nine month process improvement project resulted in 16 documents created, 10 deleted, 30 revised, and an estimated savings of 2.0 FTE

Various Locations

Supported various highly visible transitions and deployments to new systems, policies, procedures, products, and services. In all, I supported projects that impacted 57 million customers, 117,000 associates, and 6,200 banking centers. • Supported process and design of training content, timelines, and tools used by readiness coaches to assess associates proficiency and knowledge retention throughout their training • Coached, trained, evaluated, and counseled 75 associates in each deployment through one on one touchpoints in preparation for the policy, procedure, operational, and system enhancements• Met weekly with managers to discuss associate remediation and actionable steps taken to ensure their staff was capable, comfortable and confident in sustaining proficiency success • Analyzed training completion and observed client interaction in order to assess proficiency gaps and develop & implement solutions that would overcome obstacles and sustain success

South Bend, Indiana Area

Led all LaSalle Banking Centers located in Indiana as they transitioned to Bank of America’s behaviors, systems, policies, and procedures. LaSalle Bank represented 1.4 million retail customers and 411 Banking Centers.• Responsible for leading all legacy LaSalle associates in Indiana to learn and implement the behaviors, policies, and procedures of Bank of America• Analyzed training completion, assessed expected proficiency, observed client interaction and developed and implemented solutions to overcome obstacles to sustain success and adoption• Collaborated weekly with market executives and managers to mitigate risk by discussing critical updates and confirm leaders were on track with deliverables• Prepared and role played with associates for appropriately responding to customer inquiries and concerns about the change in branding, products, policies, and fees

Greater Los Angeles Area

Member of market leadership team and was responsible for the operational metrics for the 33 banking centers in the Los Angeles metro market, including audit, compliance, and controllable losses• Sustained or increased results in all metrics including controllable losses, fee refund percentages, account opening accuracy, compliance training, and audit• Recommend disciplinary action for those responsible for losses, audit and compliance issues• Represented the market team during internal branch audit closing review and work with management to improve processes and standardize practices• Successfully removed 7% of audit finding from the review by referencing policy and procedures and making a case for why the banking center was not responsible for the finding• Acted as branch liaison for during the roll out of vendor and operational initiatives• Lead bi-weekly conference calls with operation managers to discuss operational updates and ensure all associates had consistent policies and practices in place• Delivered presentations at monthly manager meetings to discuss updated operational procedures and solutions we would use to mitigate risk• Conduct branch visits to interview and observe associates and provide action plans for banking center leaders on improving operational metrics of the store• Identified at-risk compliance situations and provided corrective feedback to all leadership levels

Greater Los Angeles Area

Responsible for the overall functioning of a mass market banking center that had over 30,000 teller transactions and 160 new checking accounts each month• Interview, counsel, train, and develop a professional staff of 25 associates that were committed to meet the core values of Bank of America• Coach and developed associates in the leadership training program in preparation for their manager role• Consistently earned a 9 or 10 on semiannual audit reviews which was considered top of class• Consistently ranked in the top tier of my market in turnover ratio by maintaining ratio of 5 - 15% • Consistently met or exceeded expectations in all areas of focus including customer service scores, audit, budget targets, accounts opened, loss mitigation, and associate satisfaction• Earned Award of Excellence honors given to the top 5% banking centers during my last two years in role• Only member of market team selected to travel to the Northeast and participate in the 4 month conversion of legacy Fleet Bank where I would train, coach, and assess associates as they learned Bank of America’s systems, policies, and behaviors

Bachelor Of Science (Bs), Biology, General

Associate Of Arts (Aa), Liberal Arts And Sciences/Liberal Studies