• Oversaw regulatory compliance and ensuring adherence to local laws and regulations.• Led the implementation of internal controls to improve operational efficiency and mitigate risks in day-to-day processes.• Conducted compliance reviews for safety, procurement, and operational procedures, ensuring adherence to industry standards and regulations.• Introduced audit practices to monitor procurement processes, identifying inefficiencies and preventing supplier-related risks.• Reduced operational costs by 15% through process optimization and improved contract management.

Evaluated internal controls and performed audits across wholesale and retail operations, underwriting, treasury, and HR.• Developed business process flowcharts, identified risks and control gaps, and conducted fieldwork.• Reported directly to AVP of Internal Audit, providing recommendations and follow-up on management action plans.• Conducted annual risk assessments and enhanced the Risk & Control Matrix through interviews with business partners.

• Assessed & tested controls and, performed root cause analysis to identify weaknesses.• Conducted third-party security risk assessments and developed risk management programs for clients.• Led comprehensive reviews for mortgage servicing compliance, contributing to regulatory remediation projects under OCC and HUD guidelines.

•Analyzed financial statements and loan covenants to support underwriting process.•Monitored financial performance and ensured compliance with loan terms by coordinating with relationship managers.•Conducted due diligence for loan approvals and prepared detailed financial analysis reports for management.•Assisted in portfolio management by tracking loan performance and identifying potential credit risks