• Manage team of six individuals performing Regulatory Compliance (BSA and non-BSA), Risk, and Corporate Functions related audit engagements. Perform risk assessments to identify key risks and applicable controls. Assess control environments to identify weaknesses and opportunities to optimize controls. • Review observations and findings from testing with control owners. Assist in determining appropriate remediation activities and plans. • Participate on regulator calls and successfully respond to questions, challenges, and requests.• Provide input on comprehensive business unit risk assessments during the annual and mid-year audit planning processes.• Developed a standardized RCSA audit program for use to assess the enterprise wide RCSA program within an annual capstone report.• Re-engineered the audit approach to complete annual independent BSA/AML/OFAC review allow more in-depth testing by using focused engagements.

• Managed and reviewed resources performing Credit Risk, Operational Risk, and Other Corporate Functions related audit engagements. Developed risk assessment, process understanding document and control matrices. Identified key controls to test and procedures to be performed.• Assisted in the coordination of the department’s implementation of the Operational Risk and Control Self-Assessment (RCSA) Center of Excellence and design of training and work program.• Reviewed work papers within GRC to ensure compliance with Internal Audit methodology and requirements. Verified appropriate testing is performed to address key risks and controls. • Drafted and presented Internal Audit findings and reports to business contacts to obtain their validation of issues and remediation action plans. • Performed issue remediation validation for Regulatory, Internal Audit and business self-identified issues verifying action plans are completed and addressed the key risk and control weaknesses noted.

• Developed, managed and executed the timely completion of the annual Compliance, Operational, and Financial risk-based audit plan. (GLBA, Loan Processing, SOX 404: Fixed Assets, Cash, Goodwill & Intangible Assets, CRA) • Developed and managed closure validation of regulatory findings to ensure control deficiencies have been addressed and sustainable solutions have been implemented• Managed and reviewed co-sourced resources performing compliance related audit engagements. Facilitated the co-sourced team’s requests with internal parties to ensure audit was completed within budget and timelines. (FCRM Transaction Monitoring Model Validation, BSA/AML Review)• Supervised and performed quality improvement reviews of the Internal Audit Department’s methodology against Institute of Internal Audit standards. Responsible for assisting the Director in adhering to and developing audit policies and procedures within the Department to ensure compliance with the International Standards for the Professional Practice of Internal Auditing.

• Implemented an integrated compliance audit process to enhance and streamline the review of key consumer regulations (Anti-Money Laundering, Fair Lending, Truth in Lending, Fair Debt Collections Practices, Telephone Consumer Protection, Electronic Fund Transfer, Gramm-Leach-Bliley, Unfair, Deceptive, or Abusive Acts or Practices, Servicemembers Civil Relief Act, and Fair Credit Reporting) based on the risk of the processes being audited.• Collaborated with Operational Audit teams to perform annual risk assessments and created the integrated compliance audit plan. Managed changes to the integrated audit plan throughout the year.• Supervised and managed 3 Compliance Integrated Auditors.• Reviewed work papers to ensure compliance with Internal Audit methodology and requirements and appropriate testing was performed to address key risks and controls. Provided training to staff to help increase testing and documentation quality.

• Implemented and executed a risk-based Anti-Money Laundering (AML) and Sanctions and Terrorist Financing (STF) Assurance program for ensuring ongoing adherence to minimum AML/STF policy standards across the Americas.• Performed risk and control analysis to execute AML/STF monitoring and oversight over the Americas.• Worked closely with the Divisional AML Assurance teams to enhance the scope of the assurance activities and leverage best practices.• Assisted in the development of Assurance Program documentation including a program “Standard” document to identify key program requirements.• Coordinated AML/STF compliance assessments and escalated specific results or trends.• Developed strategic relationships with key stakeholders.• Conducted planned and ad hoc reviews to ensure compliance with AML/STF Policy Standards or in response to internal and external events.• Represented team interests at internal meetings, committees and working groups and external functions.• Contributed to talent development on Assurance team and integration across divisional teams.

• Developed and executed audit tests evaluating control designs and effectiveness to comply with Fair Debt Collection Practices Act, Anti-Money Laundering, Fair Lending, Foreign Corrupt Practices Act, UK Bribery Act, Gramm-Leach-Bliley Act, Regulation W, and other consumer lending regulatory requirements.• Assessed and reported control deficiencies, including associated risk and impact, to senior business management. • Managed and led a team in accomplishing audit and departmental objectives.• Assisted business management to develop cost-justified, value-added actions to address control deficiencies identified. • Ensured effective and efficient execution of audits in conformance with professional and department standards, budgets, and timelines.• Effectively taught and coached team members in all aspects of the audit methodology and regulatory compliance requirements.

• Coordinated and performed quality assurance reviews of corporate, finance and core business domains’ SOX process flows and test work papers.• Reviewed audit team’s work papers for quality and adherence to company and industry standards. • Provided risk and controls subject matter expertise to assigned consulting and compliance projects.• Acted as liaison between company process owners and external auditors.

• Performed comprehensive business unit risk assessments during the annual audit planning process.• Managed and performed multiple financial, operational and compliance audits to review for compliance with various company and regulatory requirements including Fair Credit Reporting Act, Fair Debt Collection Practices Act, Federal Housing Authority requirements, Gramm-Leach-Bliley Act, Housing and Urban Development requirements, Real Estate Settlement Procedures Act, Truth in Lending Act, Servicemembers Civil Relief Act, and SOX(404).• Created independent risk assessments to determine audit testing scope and procedures. • Identified and presented audit findings, the associated risks and recommendations for remediation, to business unit management. • Prepared audit reports presented to management, senior executives and the audit committee.• Managed a team of 2 -3 auditors on each engagement. Reviewed staff work papers and provided feedback through coaching and training as required.

• Conducted organizational and functional audits to evaluate planning, accounting, and control activities were in compliance with applicable federal and state policy and procedures.