Malcolm Johnson Email & Phone Number

Kansas City, Missouri, United States

-Responsible for oversight of the Supervision & Regulation Management Division’s Fair Lending, UDAP, and Consumer Complaints areas. -Serve as the co-manager of the department’s Fintech program, including shared oversight of Fintech activities that have implications from a consumer protection perspective. Represent the department in broader Division Fintech objectives-Serve as the business line manager for the Federal Reserve System’s Federal Reserve Consumer Help (FRCH) center.-Supervise, coach, and develop a team of bank examiners tasked with examining our 10th District state-member banks.

Kansas City, Missouri, United States

-Responsible for oversight of the Supervision & Regulation Management Division’s Fair Lending, UDAP, and Consumer Complaints areas. -Serve as the business line manager for the Federal Reserve System’s Federal Reserve Consumer Help (FRCH) center.-Supervise, coach, and develop a team of bank examiners tasked with examining our 10th District state-member banks.

Kansas City, Missouri Area

As an examiner in the Examinations & Inspections department, my responsibilities included:• Examining Federal Reserve state-member banks to determine compliance with applicable laws, rules and regulations• Analyzing the financial condition of banks including the analysis of lending, investment and deposit portfolios• Performing trend and ratio analysis• Routinely serving as Asset Manager (AM) for banks of various asset sizes and lead teams of approximately 2-10 examiners• Evaluating internal controls and operational structure• Preparing reports covering all areas of examinations• Reviewing findings of the examination with officials and senior management• Serving as Central Point of Contact (CPC) for a portfolio of bank holding companies

Kansas City, Missouri Area

Upon the completion of a comprehensive proficiency examination, I was promoted to a commissioned examiner with the Federal Reserve Bank of Kansas City effective April 2018. In the Consumer Affairs department, my responsibilities include:• Leading examinations and assessing compliance with consumer protection laws and regulations, including fair lending laws and regulations, rules regarding unfair or deceptive acts or practices and the Community Reinvestment Act. • Assessing management performance and the effectiveness of compliance risk management practices. • Determining the effectiveness of an institution’s control environment, including internal audit and other related activities. • Developing risk assessments detailing the compliance risks of an institution or portfolio of institutions. • Monitoring the performance and risks for an institution or portfolio of institutions on an ongoing basis. • Participating in various conferences, seminars and other outreach activities to provide current regulatory perspectives to the banking industry. • Maintaining strong knowledge of banking and regulatory environments, particularly as related to consumer protection laws and regulations.

Kansas City, Missouri Area

Kansas City, Missouri Area

As an examiner in the Missouri Division of Finance, my responsibilities included:• Examining state-chartered banks to determine compliance with applicable laws, rules and regulations• Analyzing the financial condition of banks including the analysis of lending, investment and deposit portfolios• Performing trend and ratio analysis• Routinely serving as Examiner-in-Charge (EIC) and Operations Manager (OM) for banks of various asset sizes and lead teams of approximately 2-10 examiners• Evaluating internal controls and operational structure• Preparing reports covering all areas of examinations• Reviewing findings of the examination with officials and senior management

Kansas City, Missouri Area

-Train and supervise Accounting Assistant-Compile data and analysis reports for examiners and audit fieldwork-Prepare various regulatory reports-Oversee all 1099 generation, processing, maintenance for accuracy-Maintain all fixed asset modules and control account-Assist Accounting Manager with completion of NCUA 5300 (Call Report)

Kansas City, Missouri Area

•Provide professional and timely assistance to internal and external members•Suggest and implement interdepartmental processing and procedural improvements •Oversee accounts payable functions and disbursements•Maintain cash balances at all correspondent accounts to meet daily requirements•Maintain all investment portfolio ledgers •Maintain fixed asset modules and control account (including FAS91)•Complete organization's FR2900 report •Assist Accounting Manager in with month, quarter, and year-end closings

Kansas City, Missouri Area

•Reconciled various general ledgers•Prepared reports for CFO/CEO pertaining to corporate balances, total member shares, and total loans daily•Submitted Account Dormancy Escheats to appropriate Unclaimed Property Divisions•Maintained the company's accounts payable/accounts receivable•Prepared and submitted institutions currency orders for nine branch locations•Provided timely and professional assistance to internal/external team members

Kansas City, Missouri Area

•Maintained cash drawer up to $10K •Provided excellent customer service•Worked as a backup to Lead Member Service Representative, responsible for closing branch•Balanced coin and cash vaults

Mba, Accounting

Consumer Compliance Regulation

Through the Federal Reserve System’s Consumer Compliance Examiner Commissioning Program (CC ECP). Progressive regulatory examination.

Safety & Soundness Bank Regulation

Through the Federal Deposit Insurance Corporation (FDIC). Progressive regulatory examination courses focusing on banking institutions'.

Bsba, Accounting

Activities and Societies: DeVry 2009 Alumni Speaker

Diploma, General Studies

Activities and Societies: National Honor Society

General

Activities and Societies: Wrestling, Tennis, Student Congress (served as Vice President - Freshman Class, and President - Sophomore Class)