Heather Clifton Email and Phone Number

• Review risk determination of Consumer or Business Banking customers based on KYC/AML standards.• Assist in minimizing deficiencies associated with regulatory and reputational risk.• Analyze from a regulatory and compliance perspective that all risks have been identified and escalated to the appropriate AML/Compliance team when needed.• Provide constructive and material feedback to the KYC Specialist.• Present feedback to the KYC Due Diligence Management team that will help ensure consistent quality across the team; proactively highlight potential issues to management.

•Provides Perkins and University loan counseling to educate and advise on loan borrowing and repayment options to student borrowers •Review at risk student loan borrowers in need of debt resolution by providing default management solutions to lower the delinquency rate•Reconciliation and maintenance of accounting transactions to support fiscal activity with external higher education agencies including the Department of Education and NSLDS •Regulate and maintain compliance with the university collection and fund management policies for student loans and accounts receivables•Develop and maintain sustainable relationships both interdepartmental and with external agencies including the Ohio Attorney General, outside legal counsel, and other third party financial management organizations

• Responsible for employee development and employee relations for 12 FTE’s.• Trained staff on Red Flag Conversations to uncover potential laundering and fraud through a sales conversation.• Cash Flow Certified for business to have a sales conversation to uncover potential sales opportunities. • Adhere and managed team to banking regulations such as Reg DD, BSA, FDIC, USA Patriot Act, OFAC, CRA, REG E and Reg D. • Manages human resources needs such as hiring and terminations.• Oversees daily banking activities including credit decisions, commercial and consumer loans sales process to ensure we accomplished our monthly, yearly sales goals.• Increased PNC branch’s bottom line by 4 percent in 2010 with a growth of 2.4 million from prior year. • Successfully aided in training branch team to attain a 98% on branch audit.• Recognized for highest audit score in Central Ohio 4 years in a row.• Coached other Branch Managers on how to successfully pass a branch audit.• Efficiently balanced work load and daily customer/peer communications to ensure meeting employee satisfaction/customer satisfaction.

• Oversaw bank operations/goal implementation.• Managed community relations and donations through E-Marketing.• Managed office supplies and inventory to be under budget on the balance sheet.• Trained seven employees through the Fifth Third Bank on boarding process.• Traveled to Florida to onboard two new branches through acquisition of a bank merger.• Multi-task by listening to customers and resolving questions.• Managed delinquent account research process.• Managed cash shipment to ensure highest level of profitability and compliance