Misty M. Love, Cams Email & Phone Number

• Administers and coordinates the bank’s Fair Lending Program and oversees compliance efforts throughout the bank.• Ensures the bank meets regulatory requirements of Fair Lending laws, including compliance with the Home Mortgage Disclosure Act (HMDA), Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), and Unfair, Deceptive or Abusive Acts or Practices (UDAAP).• Utilizes TruPoint, Decision Pro, Encompass, Credit Quest, Abrigo, and Jack Henry Silverlake software to conduct Fair Lending risk analysis reviews.• Conducts periodic reviews to ensure compliance with the bank’s loan underwriting and pricing policies. • Tracks findings and prepares reports for the Fair Lending Committee.• Utilizes CENTRAX software for data quality assurance scrubs. • Assists with internal audits and federal exams.• Provides training to appropriate personnel.

• Facilitated the collection of HMDA (Home Mortgage Disclosure Act) data for the preparation of the annual HMDA LAR report.• Utilized Centrax, Encompass, Decision Pro and Credit Quest software to perform ongoing data scrubs, geocoding, and validation of HMDA data.• Identified and tracked errors and prepared periodic quality control report for management.• Assisted management with focus training and provided recommendations.• Provided assistance with regulatory examinations and internal audits.

• Conducted customer due diligence (CDD) and enhanced due diligence (EDD) on higher risk customers.• Completed reviews of inherent and residual high risk customers, and conducted research using internal and external resources.• Utilized Verafin AML software to address alerts relating to CDD/EDD, monitor transactional activity, initiate EDD cases, and maintain documentation files.• Provided guidance and expertise to bank personnel in daily compliance with CDD and EDD procedures.• Assisted management in developing procedures in adherence with BSA/AML regulatory guidelines.

• Used YellowHammer and Verafin AML software to identify and investigate potential suspicious activity cases.• Conducted research and gathered supporting documentation from various sources for new and continuing case development.• Prepared Suspicious Activity Reports for review by BSA Officer.• Conducted annual reviews for High-Risk clients and maintains files.• Conducted annual reviews for Money Service Businesses and maintains files.

Bainbridge, Ga

Assists BSA/OFAC officer in daily compliance with laws and regulations.Assists in reviewing and reporting suspicious activity to the BSA Officer and files Suspicious Activity Reports as needed.Coordinates and participates in gathering documentation for scheduled internal audits.Tracks audit findings, responses and corrective action from senior management.Reviews reportable transactions and files CTRs through FinCEN BSA E-Filing System.Monitors daily transactions using Fiserv Financial Crime Risk Management Platform. Downloads 314a report biweekly from FinCEN Secure Information Sharing System and runs report against financial crimes database.Provides reports and updates to the Board of Directors’ Audit Committee.Conducts annual reviews and site visits for Money Service Businesses.Assists tellers and operations personnel as needed to maintain compliance.Assists in annual BSA training.Reviews monthly internal balancing reports.

Bainbridge Ga

Processed loan documents using LaserPro software.Used Fiserv Precision Graphical software for data maintenance.Scanned and edited images using Sharpdesk and Remote Scanning software.Provided clerical and research services.Provided customer assistance.

Atlanta, Ga

Assist executive director and grants manager with research telephone calls, meetings with directors of various non-profit organizations, site visits to various non-profits and mail correspondence. Writes reports/summaries of meetings and site visits to be reviewed by Board of Trustees at annual meetings.

Assisted customers with purchases.Trained fellow employees on procedures and customer assistance.Assisted management with mail/phone correspondence, creative displays, flyers and events.

Assisted students with writing assignments.Edited documents for grammer, clarity, style, thesis statements, etc.

Bainbridge, Ga

Assisted management in researching property tax records, liens and title deeds.Filed documents and directed phone and mail correspondence.

Bainbridge, Ga

Prepared lessons and assisted students with homework and reading assignments.

Juris Master, Law

Bachelor Of Arts (B.A.), Communication And Rhetoric Studies/ Business Administration (Minor), 3.5

Activities and Societies: Founding President of the Oglethorpe Rotaract Club, Certified Peer Educator, Atlanta Hospice Volunteer, Center.

High School Diploma

Activities and Societies: National Honor Society, Math Club, FCA, FFA, Collegiate Club, Business Club, Interact

Juris Master