Nicholas E. Kramer Email & Phone Number

Houston, Tx, Us

•All task in prior position and:•Manage teams of audit and compliance specialists regarding HR functions such as hiring, coaching and disciplinary actions.•Conduct annual performance reviews and monitor growth within staff.•Created and implemented monthly data analytics to monitor trends within the credit union and identify potential problems. •Created Enterprise Risk Management project steps and timeline and will be overseeing ERM task once implemented.

Deer Park, Texas, United States

•All task in prior position and:•Receive, investigate with internal departments, and respond to official NCUA, BBB, and Supervisory Committee complaints. •Created, implemented, and monitored Key Performance Indicators for audit and compliance team.•Acts as liaison for external audits and NCUA examiners, facilitate with documentation and communicate with internal departments issues identified.•Monitor and adjust BSA/AML functions within Verafin to maintain compliance and efficiencies. •Assist in company projects to ensure all new products and services are compliant with applicable laws and regulations.

Deer Park, Texas, United States

•Conduct annual enterprise risk assessment and create internal audit plan based on findings.•Delegate audit assignments and coach team of auditors to ensure audit assignments are completed timely. •Create audit scope and procedures to in-house previous external audits and thereby reduce Professional Outside Services cost.•Research and scope audits for areas not audited before and new products and services. •Monitor regulatory compliance changes, complete risk assessments as needed, and report to the VP of Risk and CFO changes that may affect operations. •Create monthly Supervisory Committee packet for VP of Risk and hold meeting in VPs absence.•Implemented and Primary Admin. for audit and compliance software; CUNA-CMS+ and Quantivate Internal Audit tool.•Assigned as Admin to Financial Crimes Monitoring Software - Verafin software, monitored and worked BSA/AML items.

Working as an examiner/auditor with focus on IT auditing. Have lead audits of credit unions $1B+ in total assets as well as problem credit unions.

Analyze client data such as tax returns as well as financial statements. Analyze industry market data (Pratt Statts, Bizcomps...etc.) within client industry as well as ISIBWorld growth forecast. Use data to run Asset, Income and Market valuations to justify a Fair Market Value for client business. Execute research regarding market conditions as well as local influences. Support collection of reports and develop final report. Ensure to refine valuation models to enhance efficiency and accuracy. Present and summarize findings and recommend senior management.

Webster, Tx

Able to teach any undergraduate level business education or lower level math class at ITT. Abide by core curriculum from ITT and syllabi to ensure student success in all classes taught. Adapt assignments and lessons taught based on individual student needs and help with online content as well. Maintain a respectful classroom environment and also account for student continuous attendance.

Handle high call volume for personal and commercial auto, property, workers compensation, and liability claims. Assist callers with inquires of all claim types from workers compensation to wedding claims. Continuously train and learn new procedures for changes in calls and customer service expectations. Handle catastrophe claims such as Hurricane Sandy and Irene and help calm customers during such disastrous situations and deaths.

Process single interest (forced place) insurance as well as home and auto claims including total losses. File and/ or settle claims with primary insurance company for member’s accounts. Help members file Guaranteed Asset Protection (G.A.P) claims when needed and available. When necessary, file accounts for charge off with accounting department. Send request for repossession to collection department for past due accounts that have been charged with single interest insurance. Search for "power booked" loans during repossession and demand refunds from dealership; file lawsuit if necessary.

Master Of Business Administration (M.B.A.), Mba - Finance

Bachelor Of Business Administration (Bba), Finance And Financial Management Services, 3.23

Finance

Education record

Activities and Societies: DECA