Elizabeth Serna Email and Phone Number
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I am a compliance professional years of regulatory compliance experience. My first role after college was with the Office of Consumer Credit Commissioner of Texas as a Financial Examiner. I conducted on-site audits of various licensed non-depository institutions for state and Federal compliance. I traveled 50% of the time to pawn shops, small finance companies, mortgage brokers, and car dealerships throughout Texas and sometimes out-of-state. After six years with the agency I had the opportunity to apply my skills at a local bank and learned more about bank regulations and transitioned my focus on flood insurance and consumer mortgage audits.The next chapter of my life was when I was referred by a friend to a position as a reinsurance analyst. I successfully fulfilled my job duties shown by the results of my work and praises. While in this position I had the opportunity to utilize my hobby of event planning by helping organize several company events very successfully and has furthered my interested in the field of corporate event planning. An opportunity presented itself with Cash America International where it allowed me to return to the field of compliance where I accepted a newly created role as a Compliance Analyst. I was able to utilize my regulatory compliance skills that I had acquired over the years to create and conduct risk-based audits dealing with applicable financial regulations and business policies related to pawn and payday transactions. Specifically, I helped create a unique compliance database and testing process for regulatory and business policy reporting and monitoring. Since leaving Cash America from a layoff, I have been able to acquire several other compliance roles that have continued to help expand my knowledge of compliance testing and monitoring of financial products to include retail installment loans, credit cards, and automotive loans. More recently, I accepted a KYC Analyst position as a contractor with a 9-month assignment with The RWC Group where I was able to apply my compliance experience to help the client with KYC remediation's. Specialties include regulatory compliance auditing, process improvement, account management, and event planning.
Department Of Savings And Mortgage Lending
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Financial Examiner Ii – Mortgage ExaminationsDepartment Of Savings And Mortgage Lending Aug 2024 - PresentTexas, United StatesPerforms routine (journey-level) financial examination work, specifically: compliance examinations of residential mortgage loan companies, mortgage bankers, wrap lenders, and residential mortgage loan originators. Work involves conducting examinations of mortgage originator operations to evaluate and assess compliance with state and federal laws and regulations. -
Kyc AnalystThe Rwc Group Apr 2023 - Dec 2023Houston, Texas, United Stateso Accountable for daily review of over 100 client records in DCI, KYC system, and the primary bank system, IBS, to validate compliance with required KYC standards mitigating non-compliance risks, thus shielding the bank from liability issues.o Verified client identities and conducted thorough due diligence checks using LexisNexis, ensuring compliance with anti-money laundering (AML) regulations, and preventing potential financial risks to the company. o Managed and maintained the KYC inbox in Outlook, addressing ad-hoc KYC review requests from multiple departments and providing timely responses to inquiries. o Created workflows in SharePoint to remind team to update daily work tracker.o Improved Excel-based reports by implementing formulas that identified non-essential accounts, expediting the team's completion before deadlines.o Developed a collaborative OneNote repository to facilitate team organization, ensuring comprehensive awareness of pertinent updates, policies, procedures, email templates, and relevant information essential for KYC reviews. -
Quality Field AuditorOportun Apr 2022 - Feb 2023Houston, Texas, United States• Conducted on-site quality evaluations at Oportun stores and partner sites across Texas, interpreting company policies and governmental regulations to analyze diverse, complex scenarios, enabling decisive risk assessments.• Contributed to the development and execution of Microsoft PowerApps aimed at capturing field audit findings, furnishing valuable insights to enhance business operations.• Coordinated team efforts to establish a virtual field audit program, crafting comprehensive training material and protocols for the quality field audit team and Operations. -
Compliance Advisor (Compliance Testing)Santander Consumer Usa Dec 2019 - Mar 2022Dallas, Texas, United States• Collaborated with team to perform assigned quarterly testing to ensure results quality and effectiveness of governance processes such as policies and procedures, internal controls, training, vendor management, and complaints have continuous compliance that measure with laws, regulations and polices affecting the organization.• Assisted with monitoring, updating and correcting team’s SharePoint site as needed. • Organize team building activities promoting inclusion using online games and other social events. -
Sr. Compliance Analyst-RiskElevate Nov 2017 - Nov 2019Fort Worth, Texas• Conducted sample-based testing that identified, measured, and monitored compliance with applicable state and federal laws, rules and regulations that governed Elevate’s products and services. Principal duties included: o Plan, lead, and perform continuous monitoring on a monthly or quarterly basis to ensure compliance with company policies and applicable laws and regulations. o Monitor the status and validate completion of identified compliance issues. o Report on the results of compliance reviews and the status of the Compliance Monitoring and Testing Programs to business partners.• Assisted in evaluating monitoring review workpapers completed by other team members for accuracy.• Created and help maintain a compliance monitoring testing repository using RSA Archer Audit Program. This provided a centralized platform for gathering, tracking, managing, and accessing testing information. • Performed Compliance risk assessment oversight for covered third-party vendors related to on-boarding engagements and annual reviews.• Managed Elevate’s Compliance SharePoint page as needed for company and team information. -
Compliance Analyst Iv (Compliance Testing)Santander Consumer Usa Mar 2017 - Oct 2017Dallas, Texas• Assisted with Compliance Testing Corrective Action Plan (CAP) validations to include: o Verifying responses and documentation from the business are adequate to close assigned CAP’s. o If needed, correspond with business with follow-up questions pertaining to CAP. o Update and document validation folders and workbooks. o Inform Validation Manger of all updates of assigned CAP validations.• Created SharePoint team site to help improve workflow and record-keeping processes. • Created online CAP approval process using SharePoint workflows to help ensure timely feedback from the business. In addition, created the user guide and conducted training for end-user receiving positive feedback. • Available to assist with Compliance Testing reviews and ad-hoc projects as needed. -
Compliance Analyst Iv (Compliance Monitoring)Santander Consumer Usa Aug 2016 - Mar 2017Dallas• Assisted in building a compliance monitoring program to include: o Reviewing a variety of documentation, examining methods and systems, and interviewing personnel to obtain information on actual practices to determine scope and examination techniques required to assess the area of compliance; o Compared practices with regulatory and internal requirements to identify variances; o Created testing workbooks and organized testing work papers; o Prepared written reports on review findings and recommendations to present to management; o Worked with business units to ensure accurate and timely implementation of corrective actions.• Developed supplemental compliance training materials as needed for new and existing items.• Created and managed Compliance Monitoring SharePoint page site to help provide the team information. • Assisted in documenting and disseminating legal, regulatory and corporate policy requirements to department heads on a broad spectrum of topics including, but not limited to: FDCPA, GLBA, UDAAP, FCRA and FACTA, Global Privacy, BSA/AML/OFAC, ECOA (Reg B), TILA (Reg Z), FTC Credit Rules, E-Sign. -
Compliance Analyst IiiCash America Feb 2014 - Aug 2016Fort Worth, Tx• Responsible for conducting routine and non-routine compliance audits, documenting findings and recommendations, and explaining regulatory requirements, when applicable.• Responsible for developing test plans, exhibiting appropriate judgment regarding issue notification, drafting findings and final audit reports, and leading communications with audit clients.• Assist in compiling various scheduled and ad hoc reports to report functional progress to senior management, the Audit Committee, and the Board of Directors.• Assist mentoring and training level I & II Compliance Analysts, which includes performing reviews of their work product, as necessary.• Other special projects or assignments include: designed a SharePoint site to track and monitor testing progress; assisted in the development of an analytical compliance monitoring methodology that supported the use of real-time data for assessing compliance with regulations and policies.• Assist in the review of compliance-related policies, procedures, training, and communication. -
Intermediate Reinsurance AnalystOptimum Re Insurance Company Jun 2011 - Jan 2014Dallas, Texas• Managed and oversaw the processing of reinsurance requests to ensure timely and accurate record keeping of assigned accounts. • Served as the key point of contact for both internal and external clients. Requests from clients included processing and approving new business (automatic and facultative), terminations, policy changes and reconciling of payments. • Interpreted the client’s treaties to verify that it was within compliance. • Assisted in training and staff support of other projects as needed.• Participated in planning various corporate events, as needed.
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Vp, Compliance AuditorPlainscapital Bank Oct 2006 - Nov 2010Irving, Texas• Assisted with and provided oversight of various compliance audits of the bank and its subsidiaries to ensure compliance with state and federal banking and other related regulations and legislation noting any discrepancies for management. • Compliance Audits included: -Real Estate Flood Review -Real Estate Review -Advertising Review -Gift Card Review -Check Holds -Regulation U Review• Investigated discrepancies and made recommendations for corrective action.• Assembled necessary information, work papers, and documents as needed for various projects requested by management.• Analyzed and interpreted regulatory changes as needed.• Assisted with ad hoc corporate-wide projects; ability to assume leadership role in such projects. -
Financial ExaminerOffice Of Consumer Credit Commissioner Sep 2000 - Oct 2006Dallas, Texas• Conducted onsite examinations of books and records and investigate business practices for the purpose of compliance with applicable state and federal laws of Texas at: - Consumer loan companies - Mortgage companies - Pawnshops - Motor Vehicle Dealers - Persons involved in retail credit sales• Regulated fairly, efficiently, and effectively, addressing both consumers and creditors by enforcing Texas Credit Laws, Regulation Z, Regulation B, and the Federal Trade Commission Privacy Act. • Educated consumers and credit providers about their rights, remedies, and responsibilities
Elizabeth Serna Skills
Elizabeth Serna Education Details
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Keller School Of ManagementSecurity Information
Frequently Asked Questions about Elizabeth Serna
What company does Elizabeth Serna work for?
Elizabeth Serna works for Department Of Savings And Mortgage Lending
What is Elizabeth Serna's role at the current company?
Elizabeth Serna's current role is Compliance Analyst with MBA, ensuring regulatory compliance.
What is Elizabeth Serna's email address?
Elizabeth Serna's email address is es****@****usa.com
What schools did Elizabeth Serna attend?
Elizabeth Serna attended Keller School Of Management, The University Of Texas-Pan American.
What skills is Elizabeth Serna known for?
Elizabeth Serna has skills like Banking, Auditing, Customer Service, Analysis, Access, Microsoft Excel, Process Improvement, Reinsurance, Financial Reporting, Compliance Regulations, Microsoft Word, Event Planning.
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Elizabeth Serna
Freelance Podcast Producer, Editor (Audio/Written), Writer, Learning Coach & Host, Professional NerdLeague City, Tx1gmail.com -
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