Joel D Fingerhut, Mba Email & Phone Number

San Francisco, California, Us

Responsible for identifying and monitoring risks in of Front Line activities to ensure effective and sustainable controls over marketing and promotional materials, and conducting compliance reviews across multiple Lines of Business for UDAAP, Reg DD, Privacy, and other regulatory requirements. Successful in:• Executing review of materials to identify risks, ensuring alignment with related regulations and company policies• Maintaining 99% service level agreement in the review of marketing and promotional materials enabling partners to achieve speed to market• Providing comprehensive compliance oversight and expertise on regulatory requirements• Developing subject matter expertise relating to marketing campaign targeting and strategic execution of company objectives • Identifying and escalating emerging risks or issues to management and risk partners• Collaborating and fostering strong relationships with stakeholders to address process and fulfillment concerns, proposing effective solutions• Creating and maintaining the team’s procedures and guidelines in a quickly changing environment • Monitoring key business compliance issues, issue identification and timely resolution • Partnering to develop marketing materials for complex campaigns and products to align with policy and regulatory requirements• Monitoring the reporting, escalation, and timely remediation of issues, deficiencies, or regulatory matters concerning materials and Front Line processes• Interpreting and applying policies, regulations, and compliance requirements• Providing independent credible challenge to Front Line processes • Providing direction to the business on developing materials and market targeting to manage regulatory risk• Collaborating and consulting with peers, colleagues, and management to resolve issues and achieve goals

San Francisco, California, Us

Responsible for partnering with Clients, Lines of Business, & Financial Crimes to conduct BSA/AML Periodic Review to support the development of a strong risk and control culture within Wholesale Commercial Capital.

San Francisco, California, Us

Ensure compliance with BSA/AML standards as set forth in FinCen/OCC requirements. Work directly with clients and internal lines of business to collect documentation and remediate as necessary to ensure meeting Due Diligence Compliance Standards set forth by Wells Fargo.

Southern Pines, Nc, Us

Managed daily activities of branch staff, supervised direct reports, including both formal and informal coaching, as well as branch cross-selling opportunities. Responsible for overall direction, coordination, and evaluation of branch activities and growth.• Interpreted client needs into active solutions to best fit products and allow client to achieve financial success• Member of bank’s Operation Committee to help develop policies and procedures to streamline bank functions while optimizing bank systems, including bank’s core system• Developed strong organizational skills while producing and underwriting loans; oversaw loan process from application through underwriting, closing, and funding, lasting up to several months• Provided credit counseling and financial analysis to make recommendations to clients and assisted in business planning while paying close attention client needs• Maintained loan portfolio, monitoring past dues, loan quality, and renewals while increasing portfolio and surpassing goals over 100%• Actively developed Centers of Influence in the Triad area through networking events, community involvement, and active membership of local boards to generate new business• Assisted in bank wide training of Fiserv software Premier Platform, including Navigator, BPM, and Director• Maintained workforce stability, through creating a supportive team environment for employees and resolving grievances. Responsible for the implementation of policies, procedures, and sales strategies

Served as primary bank contact for clients while managing day-to-day activity of the branch. Responsible for project ownership by developing and executing new processes bank wide.• Profiled client relationships and analyzed account usage to offer solutions to fit their needs• Counseled clients and identified service related matters as opportunities for referrals and closed sales• Functioned as primary point of contact for client problems, providing resolution, research and account maintenance • Performed operational, sales, and administrative functions as directed by the Director of Banking Services. Responsible for training new hires in processes and procedures on the core operating system, including all related platforms, and provided coaching on performance and behaviors.• Designed and implemented branch operations, including developing processes and procedures for the Branch Operations Manual• Developed world-class client servicing model to distinguish Premier Bank from peers• Designed and implemented digitization process of branch documentation retention process to reduce waste and allow information to be more accessible bank-wide• Assisted in merger of Premier Commercial Bank with NewBridge Bank with data mapping and reverse product mapping for seamless transition for clients• Worked with Computer Systems Inc software: NuView, NuAccount Console, NuTeller, Report Writer, NuMonitor

Charlotte, Nc, Us

Serve as primary contact for new account openings and cross sale of other products and services to clients and prospects. Proactively and reactively contact clients and prospects daily by phone or in person to identify additional client financial needs and strengthen client relationships. Support team sales process by acting upon or referring identified client needs to other lines of business, including but not limited to, retail loan, mortgage, investments, private banking, insurance, small business, merchant services, and other areas. Actively participate in team sales efforts such as team call nights, sales meetings, and debriefs.Serve as contact for client problem resolution and perform maintenance for current clients as dictated by the needs of the office. Serve as contact in responding to client and non-client service inquiries as dictated by the needs of the office. Support team service process by participating in team service efforts such as service meetings.

Memphis, Tn, Us

Lead my team of tellers in day-to-day operations and assist in branch's adherance to operational expectations o Assisted in the development and execution of new policies and procedures at the corporate level and lead branch implementationo Selected as conversion facilitator & trainer to assist in mergers and system conversionso Researched issues that occur in the branch by working with other departments; develop streamline forms/processeso Conducted monthly & quarterly branch audits of both teller & platform operationso Managed daily activities of the teller line to meet daily and weekly goalso Supervised, evaluated, coached, and provided feedback to team members on their performance to improve client relationso Processed daily reports of teller cash flow, monitor/balance general ledgers, and file government reports on transactions above the reportable thresholdo Provided periodic reports to assist in auditing branch finances and operations

Memphis, Tn, Us

Assist clients with their banking needs while expanding their relationship with the banko Open accountso Perform maintenance as needed, research issueso Refer to partners for personal and business needs

Master Of Business Administration - Mba

Bachelor Of Arts - Ba, Politics

Bachelor'S Degree, Political Science & Communication Studies