Katie Gjerde Email & Phone Number

United States

Remote

United States

- Analyze all HMDA reportable loans/applications across all business lines, collecting data, and importing into the bank's reporting database.- Identify systematic and/or operational issues with regard to Data integrity; recommend and coordinate resolution efforts across all affected business lines.- Created a multi-phase plan to implement improved data collection, data scrubbing, and monitoring to improve the bank's current HMDA processes.- Perform data quality and validity checks; research and resolve any exceptions identified.- Perform interviews with frontline personnel to collect information on their HMDA data collection processes, gathering information across business lines, to document the bank's HMDA data collection process.- Updated HMDA policy to ensure it accurately reflects the bank's practice and procedure.

- Working under the Director of HMDA Compliance to manage day-to-day activities within the HMDA Department.- Responsible for testing data for accuracy and document integrity to prepare for quarterly and year-end submission of HMDA data.- Collaborating with the Fair Lending, QC, and other Compliance teams to develop and maintain sound data collection practices.

- Developing, writing and implementing HMDA Review Procedures and Processes for the Bell Bank Mortgage Division.- Reviewing and interpreting the HMDA Regulation, including new regulator guidance as it becomes available, and updating procedures and processes accordingly.- Verifying 48 individual HMDA data fields for accuracy on an average of 50 loans per day, ensuring the appropriate loan purpose and action taken are being reported on both closed and adversed loans.- Working with applicable departments to research and rectify any discrepancies found during the HMDA review using verbal and written communication.- Performing edit checks and other data scrubs on the HMDA LAR data monthly to ensure all discrepancies in the data have been rectified.

Fargo, North Dakota

 Analyzing and interpreting federal banking compliance regulations with a focus on HMDA, CRA, and Fair Lending.  Implementation of banking regulation additions and changes, including the HMDA regulation changes which took effect January 1st, 2018. Successfully coordinated a multi-department committee to implement the 2018 HMDA Regulation changes. Assisted in the training of frontline staff regarding the new HMDA data collection requirements.  Designing and performing compliance audits to ensure compliance with federal banking compliance regulations and internal bank policies and procedures.  Preparing compliance audit reports for the bank's executive management and the Board of Director's Compliance Committee.  Effectively communicating audit findings to department managers, making recommendations for improvements to processes and procedures to ensure compliance with applicable federal regulations.  Evaluating the bank's loans, donations, services, and staff volunteer hours; gathering supporting evidence; and documenting eligibility for CRA qualification. Designed and executed new compliance audits for Mortgage Servicing Rules (Regulation Z), New Account Holds (Regulation CC), Periodic Mortgage Statements (Regulation Z), and Online New Account Disclosures (Regulations B, CC, DD, E, and P; E-Sign Act; FCRA; and Consumer Sales of Insurance). A significant part of the team that compiled data, supporting documentation, and other requested information for FDIC examiners during the bank’s 2018 CRA Compliance Exam, which resulted in a Satisfactory CRA rating.

Fargo, North Dakota

 Reviewing commercial/ag, commercial/ag real estate, and construction loan files for proper documentation to ensure files are complete and comply with Regulations Z, O, and B. Review and entry of applicable loans for CRA and HMDA reporting.

Fargo, North Dakota Area

Project Management; including allocating time on multiple designers schedules, tracking work flow, and project completion. Other responsibilities include proofing, vendor estimates, and other projects assigned by management.

West Fargo, Nd

Management of application processing department; assisting clients, agents, and underwriting staff of various payment processors to get merchant services applications approved; assisting in customer service and partner support; analyzing processes and recommending procedural changes to improve business operations; writing and editing articles for professional blog posts related to the payments industry.

Fargo, North Dakota Area

Creating employee schedules; opening and closing duties including balancing of the register and creating the deposit for the business; retail sales; store maintenance

West Fargo, Nd

Duties included cashier and deli clerk.

Drawing blood for clinical research studies. Monitoring of clinical study participants.

Bachelors Of Science, Finance, General, 3.97

Psychology

Biochemistry