Joel Stephens Email and Phone Number

Production Team Lead; lead regulatory reporting production team activities including data sourcing and validation, quality assurance measures, and associated analytical support.Risk Management & Regulatory Compliance. Collaborated directly with business and control function teams to support resolutions to complex requirements across multiple regulations (FR Y-14Q, AnaCredit, Central Credit Register, and HMDA) and ongoing data quality assurance programs and standards.Mentored and coached team analysts, promoting growth and development.Proven ability to influence across a highly matrixed organization. Primary liaison to key stakeholders, leading collaborations with line of business, technology, and compliance business partners.Delivered solutions by interpreting regulatory changes, assessing business impacts, and developing solutions that ensured compliance with all regulatory requirements and enterprise compliance standards.Experienced in data management, stewardship, governance principles. Provided subject matter expertise and analytical support to the resolution of multiple data sourcing & appropriate use cases.Commitment to process efficiency and improvement. Created targeted Control and Monitoring KPI program that identified missing and incomplete, regulatory critical, data and communicated remediation strategy to respective responsible parties within the line of business. Program successfully remediated ~50% of identified gaps.Developed actionable analytics and data-driven strategies. Utilized multiple data sources, including structured and unstructured, proprietary and third party, to create reporting packages and ad-hoc analyses that drove internal quality assurance and supported leadership strategic decisioning.Demonstrated success building and maintaining complex decision engines. Transformed prescribed business and regulatory requirements into automated, logic-derived outputs, resulting in increased efficiency and mitigating manual errors.

Experienced with business recovery and resiliency planning; Lead or directly supported business resiliency and recovery planning across multiple lines of business and control functions. Developed system that automatically assessed and escalated inadequate operational recovery plan adequacy based on multiple factors, including geographic location and recovery strategy.Collaborated with technology partners to create an automated recovery planning dashboard that generated real-time visualizations of recovery capability strengths and risks across multiple lines of business and control functions.

Responsible for the development and execution of home mortgage loss mitigation strategies.Executed borrower relief programs in compliance with US Department of Justice and Office of the Comptroller of the CurrencyCreated control and monitoring reporting for senior leadership that influenced junior lien program strategy by quantifying and tracking key portfolio cohorts and making concordant strategic recommendations.Regulatory compliance and operational execution subject matter expert for the Making Home Affordable Junior Lien Modification Program (“2MP”).

Responsible for Real Estate Owned (“REO”) portfolio analysis and divestiture strategy for senior leadership.

Created portfolio management resources and sales optimization strategies in support of the Commercial Banking Group.

BB&T University Certified Relationship Banker; Responsible for management of core retail banking loan and deposit relationships.

Responsible for client acquisition, relationship development, and service delivery.