Melissa Cloud Email & Phone Number

West Des Moines, Ia, Us

Urbandale, Iowa

West Des Moines, Iowa

Responsible for developing, implementing and monitoring a risk-based compliance program to ensure business compliance with federal, jurisdictional, legal and regulatory requirements impacting the Consumer Lending Claims and Settlement lines of business.Provides compliance and operational risk consulting on projects and initiatives considered moderate to high risk. Evaluates the adequacy and effectiveness of policies, procedures, processes, initiatives and internal controls by assisting the business with the identification and strategic planning to resolve compliance and operational concerns. Reports findings and prepares communications to executive management providing recommendations to increase businesses compliance and to increase operational excellence.

West Des Moines, Iowa

Responsible for developing, implementing and monitoring a risk-based compliance program to ensure business compliance with federal, jurisdictional, legal and regulatory requirements impacting the Consumer Lending Bankruptcy lines of business. Provides compliance and operational risk consulting on projects and initiatives considered moderate to high risk. Evaluates the adequacy and effectiveness of policies, procedures, processes, initiatives and internal controls by assisting the business with the identification and strategic planning to resolve compliance and operational concerns. Reports findings and prepares communications to executive management providing recommendations to increase businesses compliance and to increase operational excellence.

West Des Moines, Iowa

Responsible for developing, implementing and monitoring a risk-based compliance program to assure compliance with federal, state, agency, legal and regulatory requirements or may provide oversight to a compliance function. Works with legal and business units and provides compliance risk expertise and consulting for projects and initiatives with moderate to high risk to identify, assess and mitigate regulatory risk in all business activities. In addition to the review of recently enacted legislation, is responsible for the review of proposed legislative bills for purpose of recommending specified changes.Evaluates the adequacy and effectiveness of policies, procedures, processes, initiatives, products and internal controls and identifies issues resulting from internal and/or external compliance examinations. Consults with business todevelop corrective action plans and effectively manage change to ensure regulatory compliance.Reports findings and drafts recommendations to compliance risk and business line management.

West Des Moines, Iowa

Provided thorough and in-depth legal research for the Consumer Default Servicing Group. Assisted in resolving complicated and high risk matters involving substantial legal and factual complexity.Assisted legal counsel with timely responses to contested litigation discovery requests, governmental inquiries and requests, customer complaints and other high risk or high priority matters. Additionally, I assisted with the preparation of legal documents including loss mitigation agreements, specialized settlements or contracts and other documents as needed. Provided support to the Consumer Default Servicing Group within the Law Department. Position required an in-depth understanding of real estate law, debt collection practices, unfair and deceptive practices, credit reporting and bankruptcy. In addition to providing support to senior counsel, was also responsible for reviewing pending and passed legislation impacting the specialized business groups. Provided assistance to regulatory compliance and business groups with the implementation and compliance related concerns related to new legal requirements at either the federal or state level. In reviewing proposed laws, was responsible for providing guidance and feedback to government relations concerning suggested changes to proposed legislative bills.

Des Moines, Iowa

Provided direct support to attorney in the preparation and filing of various legal documents with the District Court and U.S. Bankruptcy Court. Areas of practice include real estate, business, probate, and family law. Assisted attorney with client management and assisted with maintaining client relationships.

Supported attorney by preparing and filing Chapter 7 and 13 bankruptcy petitions and related pleadings with the United States Bankruptcy Court pre- BAPCPA (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005).

Banking Compliance

2012 Compliance School topics Include, but are not limited to the following: AML/BSA, Dodd Frank, Fair and Responsible Lending, FDCPA.

Mpa, Public Administration (Emphasis In Public Policy)

Activities and Societies: DrakeSmart 2010, Phi Alpa Alpha

Ba, Paralegal & Criminal Justice

Associate Of Science (A.S.), Paralegal

Activities and Societies: Phi Theta Kappa