Laurie Bennington Email & Phone Number

Fairfax, Virginia, United States

Recruited to improve the compliance systems. Involved in auditing current processes to help ensure the proper regulatory compliance knowledge exists. Worked with management to modify processes to improve data integrity as it relates to quality control and regulatory reporting. Helped to improve the use of existing tools and assets to leverage what was in existence.

Rockville, Md

Recruited to oversee the loan origination and compliance ecosystem of Capital Bank, a publicly traded (Capital Bancorp Inc., NASDAQ : CBNK), nationally-operating, banking association with total assets of 1B and total loans held for investment of 900MM+.♦ Instrumental in integration of Roostify with Encompass, which, among other outcomes, boosted pull-through rate (e.g., more user-friendly loan application UX), buttressed compliance (i.e., WCAG Level AA, ADA compliant loan experience), and drove mortgage closing velocity.♦ Celebrated for personally scrubbing approximately 86, 000+ fields i.e., 1657 files with 52 fields per file, in line with a new interpretation of Regulation C of HMDA Recognized by firm leadership for being "the most important piece" of the "unbelievably difficult" task of validating its 2018 bank data.♦ Isolated and remediated 100+ HMDA system compliance issues, jettisoning and replacing every problem area - including unanticipated risks, e.g., data movement-with HMDA compliant, next-in-class, LOS logic and processes.♦ Tested and became Encompass Certified System Administrator, and served as Capital Banks principal point of contact with Ellie Mae.- Instrumental in integration of Roostify with Encompass.

Canton, Md

Handpicked to helm the Enterprise Risk and compliance management of First Mariner Bank's mortgage arm, First Mariner Mortgage, at the inception of the sub-prime mortgage crisis. First Mariner staffed 300+ employees, operated 15+branches, held 975MM in assets, and, in 2018, was acquired by Howard Bancorp (NASDAQ : HBMD)♦ Piloted virtually every touch point of First Mariners system administration and compliance operation, amidst the GFC, including leading mortgage compliance team, overseeing HMDA reporting, serving as primary point of contact with Ellie Mae, and charting mortgage compliance strategy, laying the bedrock for 40, 000+ loans originated.♦ Architected bleeding-edge framework that minimized impact of idiosyncratic risk (e.g., fair pricing, data integrity), systemic issues (e.g., rapid regulatory shifts), and legacy technology (e.g., Construction to Permanent Closing, which Ellie Mae did not support at the time).♦ Rapidly rolled-out improved data integrity and reporting procedures, leveraging 20+ years of experience, technical acuity, and emerging best practices to position First Mariners loan origination infrastructure at the cutting-edge.♦ Enhanced Encompass-specific efficiencies within and between departments in close collaboration with stakeholders across operation e.g., legal, construction and industrial lending, business development .♦ Presided over Mortgage Second Review Committee, auditing thousands of denied mortgages since onboarding, ensuring that lending standards were applied fairly, consistently, and in line with policies and procedures.♦ Counseled Loan Originators (one to one and in groups) on changes in policies and procedures, emerging risk factors, and evolving regulatory promulgations, enhancing risk management and driving compliance.).

♦ Elevated to steer the day-to-day success of Calusa Investments' IT operation as Director of IT, including overseeing its IT team comprised of programmers, network administrators, and help desk staff, and all IT-related systems (e.g. networking, phone systems, quality assurance, and system maintenance.♦Accelerated realization of key objectives by implementing groundbreaking processes, which provided foundation to grow lending between 2003 - 2006, from 1,000 to 5,000+ loans originated (400% growth), $88MM to $696MM in total application amounts (650%+ growth).

♦Managed support for 500+ users across 10+ different software systems, in addition to overseeing HMDA, 1098 reporting, and marketing related data, among other responsibilities.

♦Implemented financial system covering every loan offered. Ensured ongoing compliance with Investor-specific and state-specific guidelines, developing, implementing, evaluating, and updating LO and product validation software.

♦Served as key cog in development of a first-in-class loan origination system, e.g. QA and compliance components, which provided the technological foundation for LISB to grow from $16 per share in (1994) to $72 per share in (1998).♦Led LISB's operation, during a time of transition, including recruiting, hiring, and onboarding staff, to creating training programs across divisions (e.g. sales, processing, underwriting, closing) and hiring successor