Virginia Baldinelli Email & Phone Number

Simi Valley, Ca, Us

Walla Walla, Washington, Us

Sole owner of all retail deposit products and disclosures for consumer and business checking, savings, money market, certificates of deposit, IRAs and other complex products.Educate key business partners on FDIC, CFPB and Federal Reserve impacts for deposit products, including providing the branch network with tools to have consistent and productive frontline conversations with clients.Launched the bank’s first digital deposit product in collaboration with Cities for Financial Empowerment (national Bank On organization) in support of the Community Reinvestment Act.Introduced standardized deposit product language, product guides, and fact sheets to provide well-defined, clear and accurate disclosures.Implemented changes to the bank’s public website to ensure content meets UDAAP and Reg E requirements.Developed and executed upon a roadmap that includes formalizing an annual review process for product fees, disclosures, collateral, and educational materials.Provide senior leadership and governance committees with comprehensive data and recommendations for product changes that correspond with industry changes and standards.Negotiated contract terms with third-party vendor for my organization to obtain and use $3M as they chose, and increased net profitability by $2.25M over a five-year contract term. Authored several public website blogs and client-facing disclosures.

San Francisco, Ca, Us

Established a first line of defense framework, policies and standards for conducting compliance and risk assessments and providing an aggregated view of retail deposit product risks while leading the Retail Deposit Product Oversight group.Implemented Monthly Product Review governance meeting to review products, initiatives and scorecards alongside business, compliance and risk partners for cohesion and unity. Collaborated with risk subject-matter experts (SMEs) to determine impacts and resolutions for reputation, legal, regulatory, privacy, sales practice, third-party, OFAC and BSA/AML risks and controls using the Archer system. Actively participated and presented at the Product Intake Advisory Council (PIAC) and the Product and Services Oversight Committee (PSOC) meetings at which new concepts are proposed and risks are considered. Primary respondent for OCC audits and ensures issues are addressed and risks are mitigated in a timely manner.Negotiated contract terms with third-party vendor for my organization to obtain and use $2M as the bank chose (won 1st Signature Moments award). As part of launching a new checking product, created a strategic product roadmap and engagement plan that was widely accepted and adopted by executive leaders as the new model for Regional Bank (won 2nd Signature Moments award). Accountable business owner for end-to-end product and service delivery and applicable risks throughout the product life-cycle. Evaluated operational procedures to certify that controls, test maps and scorecards were in place. Created the Retail Product Portal to satisfy document retention compliance requirements.

Charlotte, Nc, Us

Led the Watch List Unit for Attorney Network Firm Management, including the Leadership Working Group governance meeting to inform and influence Legal, Risk and Compliance partners in making vendor and attorney firm relationship decisions.Assessed legal proceedings, resolved indemnification matters, and conducted onsite reviews of an attorney firm files and practices that resulted in the Bank recovering $5M.Governed all aspects of the print statement product development life-cycle for debit cards. Led, coordinated, and managed highly strategic projects, teams and cross-functional initiatives, including organizational goal progress and completion. Managed an acquisition of 4000+ loans entering the bank’s systems from an external source.

Woodland Hills, Ca, Us

Introduced an agency incentive contest that brought in $20M of gross written premium. Performed analysis, requirements definition, functional testing, user acceptance testing, release management, system functions and data documentation. Determined appropriate timing and methods to communicate production changes and expectations to frontline associates. Worked closely with the bank leadership team to devise and oversee strategies that achieve stated organizational objectives.

Charlotte, Nc, Us

Audited foreclosure recommendations made by 40+ internal associates and identified state-specific legal and illegal activities performed by bank employees.Executed a $2.5M plan to diminish substantial financial losses on thousands of home loans by delivering a Graphical User Interface (GUI) used by 200+ associates across the country. Proactively identified opportunities for changes within day-to-day operations and presented suggestions to management for consideration and eventual adoption, including for business document and data retention.

Master Of Organizational Leadership

Bachelors, Business Management

Associates, Liberal Studies

Diploma, General Studies