Heidi Howard Email & Phone Number

Greater Minneapolis-St. Paul Area

Lead a team of Agile Risk Consultants that provide compliance and operational risk management support to Consumer and Business Banking agile teams on key strategic initiatives. Consumer and Business Banking includes: Mortgage, Consumer Lending, Small Business, and Deposits. Responsible for ensuring adherence to the risk management framework while working in an agile environment to implement key changes for the bank.

Over 25 years of bank regulatory compliance and operational risk experience including 5 years as a bank examiner. Over 20 years of management experience including repeated recognition as "Gallup Best Practices Manager". Compliance and operational risk professional with experience supporting diverse businesses including credit cards, student lending, mortgage, auto, consumer loans/lines, debit cards, remittance services and deposit products. Broad areas of regulatory expertise including… Show more Over 25 years of bank regulatory compliance and operational risk experience including 5 years as a bank examiner. Over 20 years of management experience including repeated recognition as "Gallup Best Practices Manager". Compliance and operational risk professional with experience supporting diverse businesses including credit cards, student lending, mortgage, auto, consumer loans/lines, debit cards, remittance services and deposit products. Broad areas of regulatory expertise including consumer lending laws and regulations, BSA/AML, fair and responsible lending, UDAP/UDAAP, SCRA, Privacy, Third Party Risk Management, etc. Seasoned leader with demonstrated leadership competencies including personal capability, focus on results, and leading changing including strategic planning and acquisitions. Show less

As part of the Senior Leadership Team, provided compliance and operational risk management leadership and support for Credit Cards, Educational Financial Services, Retail Services, Personal Loans and Lines, Mortgage, Rewards Management, Debit Cards, Global Remittance Services, and Fee Based Services. Responsible for working with businesses to ensure all aspects of the compliance and operational risk programs were well-managed and well-controlled. Key activities included: risk assessment… Show more As part of the Senior Leadership Team, provided compliance and operational risk management leadership and support for Credit Cards, Educational Financial Services, Retail Services, Personal Loans and Lines, Mortgage, Rewards Management, Debit Cards, Global Remittance Services, and Fee Based Services. Responsible for working with businesses to ensure all aspects of the compliance and operational risk programs were well-managed and well-controlled. Key activities included: risk assessment preventive controls including change management ad training, business process reviews, detective controls including testing and monitoring, root cause analysis, issue tracking and resolution, management reporting, and audit/exam management. Show less

St. Cloud, Minnesota Area

Researched and developed new business case opportunities. Responsibilities included market research, product development, acquisition analysis, financial analysis, and marketing plan.

Ensured all processes, systems, forms, policies, and products complied with applicable laws and regulations. Developed and implemented compliance policies and procedures. Performed risk analysis, managed and led change initiatives, conducted periodic reviews to assess compliance, performed due diligence of potential acquisitions, conducted regulatory training, and communicated regularly with management.

Minneapolis, Minnesota

Conducted and/or reviewed consumer affairs examinations, wrote/reviewed reports of examination, trained new examiners, coordinated work assignments, and evaluated performance. Also, managed Consumer Affairs office, enforced corrective action, and responded to questions regarding compliance issues from member banks.