• Examine financial institutions (banks, industrial banks, holding companies, credit unions, money services businesses, and escrow companies) to evaluate safety and soundness and/or compliance with federal and state regulations, with a specialty in money services businesses (MSBs). Assess performance and assign ratings to all aspects of the institution’s business. Evaluate management’s identification, measurement, monitoring, and control of risks.• As Examiner-in-Charge, make risk-focused determination of appropriate depth of review of each area to be examined; manage examination team, clearly communicate findings to management, Board of Directors, and other regulators both orally and in writing. • As MSB subject matter expert, first examiner in the Department to examine money transmitters; responsible for developing an understanding of money transmission and the prepaid card industry to make recommendations regarding the extent of the department’s examination procedures; developed an in-depth understanding of BSA/AML issues related to money transmission.• Updated and streamlined the payday/title lender and check casher examination processes by developing and implementing the Department’s first corporate-level examination programs for payday and title lenders and check cashers, resulting in elimination of duplication of effort, thereby saving time for the examiners and money for the examined entities. • Substantially revised and expanded the Examiners' Guide to be a useful examination reference tool for examiners at all experience levels.

Co-owned and operated multi-state independent auto dealerships with husband; ran a one-person office. Full-charge accounting responsibilities included accounts payable, accounts receivable, payroll, taxes, posting sales, general ledger, account reconciliations, month-end financial statements, and audits. Developed banking relationships including ensuring availability of prime and sub-prime financing for customers; ensured accuracy of titles and managed the vehicle licensing process; administered legal compliance functions, including BSA/AML and human resources.

Over nine years in dealer financing. Responsibilities included financial statement analysis; new business development; servicing & maintenance of existing dealer relationships; and marketing consumer loan and lease products to dealers. Determined appropriate structuring and pricing of flooring, working capital, and real estate facility loans. Analyzed flooring audits; performed credit analysis and approval of indirect consumer loans and leases. As Collection Manager, responsible for all aspects of a centralized collection department of 26 individuals charged with collecting all dealer-originated loans in Western Washington, to include ensuring compliance with all applicable laws and bank policies as well as hiring, evaluating, and managing employees.