Michelle Leigh Email and Phone Number

Proven leader in the Banking & Financial Services Industry; with emphasis in Regulatory Compliance, Operational Risk Mgt, ERM for Consumer, Mortgage & Commercial areas of banking. Operate effectively in 3 Line of Defense levels, corporate & enterprise-wide. Expertise in evaluating & managing credit, product, market risk, staff management & interfacing with all regulatory agencies, Federal/State, GSE’s, FHA & VA. Successful history of departmental built outs with banks & non banks. CRCM, Direct Endorsement & VA Lapp Designations. *Regulatory Compliance: Expertise in Federal/State Regulatory Laws for Consumer, Mortgage & Commercial Banking/Non Banks. Auditing, SME, deep Regs applicability knowledge in Lending, U/W, Servicing, Default. *Quality Control: Expertise in QC Audit & principals for banks & non-banks in all 3 Lines of Defense; LOB, Regs & IA levels. Includes Stat Validity & Targeted Sampling, Audit/Data integrity, Reporting & Remedial tracking & closure. *Ops Risk Mgt: Expertise in ops risk functions for Consumer/Mortgage/Commercial Product. RCSA, Stress Test, Loss Model, Risk App Statement, Weighting, Solvency, Supervision/Disclosure. *Internal Audit: Expertise in IA function; LOB process principal, standard IA practices, internal controls - effective/ineffective, exceptions, tracking, remedial effort. *Vendor Management: Expertise in VM evaluation at organization, LOB & file levels, testing in ops & compliance, report issuance. *Staff Mgt.: Over 150 employees in Tier-Level Mgt. style. Performance increase through higher productivity & quality, budgeting & hiring/disciplinary processes. *Originations: Expertise in all areas of Originations & U/W business, end to end processes. *Loan Servicing: Expertise in all areas of Consumer/Mortgage LS, end to end processes. *Default Mgt: Expertise in all areas of Consumer/Mortgage default stages, end to end processes. *FHA& VA Lending, Compliance & Government Risk: D.E. designation & VA Lapp designation.