Eric Harter Email & Phone Number

Brookings, South Dakota, United States

Create, implement, administer, and monitor an effective compliance program. This includes operational, loan, deposit, and other various processes and procedures. Serve as a compliance subject matter expert for the bank.Regularly review and ensure the compliance program complies, prevents, and/or detects violation of law, regulations, organizational policies, or the code of conduct. Recommend appropriate revisions to leadership and the board of directors of potential compliance risk areas.Coordinate resources to ensure the ongoing effectiveness of the compliance program.Assess business functions against compliance with laws, regulations, policies, and procedures. Stay abreast of changes to Federal and state banking laws and regulations affecting the management, operations, and product offerings of the bank.Consult with and advise various departments on regulatory changes to ensure timely and effective implementation and adherence is upheld. Track all issues referred to the compliance department.Lead and provide compliance training to bank personnel. Create training material affected by compliance issues and regulatory changes as needed. Ensure all bank personnel are adequately trained in their respective compliance responsibilities.In collaboration with the Compliance Officer, deliver a systematic and disciplined approach to evaluate and improve the effectiveness of regulatory control and governance processes.Present reports on the compliance program to the board of directors on an ongoing basis.Conduct internal audits to review adherence to compliance policy and procedures. Arrange for external audits as required by regulation or deemed appropriate. Assist with various projects and assignments as needed related to various audits & exams.Assist with Internal Bank Auditor and perform audit functions as assigned. Create, modify, and implement employee procedures and processes relating to various functions.

Sioux Falls, South Dakota Area

Sioux Falls, South Dakota Area

Sioux Falls, South Dakota, United States

Responsible for developing, implementing and monitoring risk-based programs to identify, assess and mitigate any operational risk that arises from inadequate or failed internal processes, people,systems or external events, while maintaining a balance between risk mitigation and operational efficiency.May provide oversight to an operational risk program. Works with complex business units and provides operational risk expertise and consulting for projects and initiatives with high risk. May provide systems security consulting on complex issues. Designs and develops testing strategies,methodologies and analyses; evaluates the adequacy and effectiveness of policies, procedures, processes, systems and internal controls; analyzes business and/or system changes to determineimpact, identifies and assesses operational risk issues and assigns risk ratings consistent with established policy standards. Consults with business to develop corrective action plans and effectively manages change. Identifies training opportunities; designs/coordinates the development of training materials delivers or coordinates training delivery. Reports findings and develops business cases to influence senior management on the need for controls to mitigate risk. Manages and/or coordinates production of periodic operational risk performance reports for senior management, including trend analysis and recommended strategies. May provide guidance to less experienced consultants.

Sioux Falls, South Dakota Area

Responsible for developing, implementing and monitoring risk-based programs to identify, assess and mitigate any operational risk that arises from inadequate or failed internal processes, people,systems or external events, while maintaining a balance between risk mitigation and operational efficiency.May provide oversight to an operational risk program. Works with complex business units and provides operational risk expertise and consulting for projects and initiatives with high risk. May provide systems security consulting on complex issues. Designs and develops testing strategies,methodologies and analyses; evaluates the adequacy and effectiveness of policies, procedures, processes, systems and internal controls; analyzes business and/or system changes to determineimpact, identifies and assesses operational risk issues and assigns risk ratings consistent with established policy standards. Consults with business to develop corrective action plans and effectively manages change. Identifies training opportunities; designs/coordinates the development of training materials delivers or coordinates training delivery. Reports findings and develops business cases to influence senior management on the need for controls to mitigate risk. Manages and/or coordinates production of periodic operational risk performance reports for senior management, including trend analysis and recommended strategies. May provide guidance to less experienced consultants.

Sioux Falls, Sd (Remote)

Develop and implement Regulation E and Dispute policies and procedures. Review and analyze the incoming disputes and resolutions. Ensure disputes are decisioned within appropriate timeframes and concluded correctlyDevelop and implement Complaint policy and procedure. Conduct weekly Complaint Committee meetings to determine any complaint trends. Provide quarterly Board of Directors reporting for the complaint received the previous quarter. Support the design, development, and implementation of the Card Services compliance strategy and framework.Interpret / translate between technology, compliance and the business. Describe technology and compliance risks in business terms such as exposure, financial risk, and reputational risk to stakeholders.Assess existing systems, products and processes, provide comprehensive risk assessments, and prioritize actions; support the creation of business cases for change and or investment as needed.Stay-up-to-date on proposed and existing legislation and regulatory rule making related to operations of Card Service’s products. Proactively communicate those changes to the business, and address impacts.Collaborate on the design and implementation of a compliance training strategy to create internal situational and regulatory awareness through education.Work with the Card Services leadership to ensure compliance efforts are implemented, reviewed, maintained and governed effectively.Oversee regulatory compliance reviews, audits, self-assessments, and systematic reviews for all products within the scope of responsibility.Provide regular reporting to management on effectiveness of the Compliance program and compliance performance.

Sioux Falls, South Dakota Area

Execution of the compliance and operational risk review and oversight program through the development, implementation, and maintenance of an effective risk-based testing and review program and compliance policies and procedures. Testing includes ensuring compliance with applicable laws and regulations, client contracts, customer payments, customer complaints, policies and procedures and maintaining testing workpapersComplete operational, client portfolio, regulatory compliance and third-party reviewsDevelop and conduct enterprise risk assessmentDocument, assess and test the risks and effectiveness of controls Partner with operational and support areas to identify, monitor and assist in solutionsIdentify areas of opportunity for control enhancementsPresent oversight planning and review findings to senior management and board of directorsConduct research on various topics including regulatory changesAssist in complaint management analysisParticipate in special projectsReview marketing materials for regulatory complianceDevelop and implement private student loans TILA Disclosures and Notices of Adverse ActionDevelop and supervise the private student loans originations testing programDevelop and institute the corporate compliance annual training program and monitor for employee completionSupport the external auditors during the annual SOC1 and SOC2 audit engagement

Sioux Falls, South Dakota

Conduct compliance reviews on products and services at monthly intervals for compliance with applicable laws and regulations and adequacy of internal controls designed to prevent and detect violations of laws and regulations for 22 bank branches in South Dakota, Nebraska, Arizona, Texas, and Nevada. (Examples of regulation tested are HMDA, Regulation B, Regulation Z, RESPA, FCRA, Flood Protection Act, SAFE Act etc.)Review new and existing products and services collateral documents to identify compliance with appropriate laws, regulations, and best business practicesTrain bank staff in various compliance/regulatory areasPrepare and maintain all workpapers completed during compliance reviewsAssist in developing business/compliance strategies for new Integrated Mortgage Disclosures affective October 2015 and proposed HMDA changes in January 2018Identify and assess relevant compliance risks within the business linesExperience/ Administrator with flood Servicelink and Credit Information SystemsCompile requested exam materials for regulatory agencies conducting annual regulatory reviews

Sioux Falls, South Dakota

Conduct compliance reviews on products and services at appropriate intervals for compliance with applicable laws and regulations and adequacy of internal controls designed to prevent and detect violations of laws and regulations. (Examples of review conducted HMDA, Loan, Deposit Products, FDCPA, Website, Regulation E, Regulatory Complaints and Right to Financial Privacy) Review new and existing products and services collateral documents to identify compliance with appropriate laws, regulations, and best business practicesTrain bank staff in various compliance/regulatory areasPrepare and maintain all workpapers completed during compliance reviewsAssist in developing business/compliance strategies for new mortgage rules effective January, 2014Provide reports to the bank Board of Directors and other bank committeesIdentify and assess relevant compliance risks within the business linesCompile requested exam materials for regulatory agencies conducting annual regulatory reviews

Sioux Falls, South Dakota Area

Answer information subpoenas from attorneys and government agencies Communicate with attorneys and government agencies via phone, email, and formal written communications Prioritize legal documents to ensure handling within required time frame under the governing laws Maintain database to ensure compliance with all bankruptcy and discovery production requirements Manage bankruptcy workflow Provide quality-risk assessment analysis