Reginald W. Email & Phone Number

Memphis, Tennessee, United States

Memphis, Tennessee, United States

Memphis, Tn

1. Oversee the day-to-day operations of the financial & data analytics team. 2. Compile data and build and interpret reports, charts using established statistical methods.3. Identify trends and recommend strategic enhancements to maximize the risk vs. reward tradeoff for business units. 4. Calculate individual loan products income statements or portfolio yields, cost of funds by deposit type, and cost of producing an individual loan or deposit account.5. Analyze department revenue/expense structures.6. Assist in forecasting the annual budget, balance sheets, income statements and portfolio concentration.7. Monitor product cost and cost of transactions to determine a breakeven. Evaluate pricing methodologies for improvement opportunities.8. Research and provide reports on historical and forecasted financial data, identify business trends based on economic trends and portfolio conditions, interest rate adjustments, and asset management that will drive strategic improvements.9. Incorporate analytics knowledge with other departments.10. Calculate and assess risks involved in transactions, analyze losses for commonalities, and forecast potential losses.11. Monitor and assess the post-period implementation of credit risk management strategies.12. Communicate business trends, create financial assessments and interpret risk analytics.13. Identify and analyze member purchase propensities. Identify key purchasing factors and collaborate with Retail, Lending, & Marketing to identify strategies that optimize sales efforts.14. Analyze sales and financial results and recommend actions to drive performance to goals.15. Analyze internal and external loan pools for potential purchases and sales. 16. Identify, evaluate, and implement policies and procedures to drive efficiency and profitability, utilizing software solutions as appropriate.17. Conduct ad hoc analysis to assist with pricing and underwriting strategy using data from various internal and external sources.

Memphis

ESSENTIAL FUNCTIONS AND BASIC DUTIES1. Compile data and build and interpret reports, charts and tables using established statistical methods.2. Identify trends and recommend strategic enhancements to maximize the risk vs. reward tradeoff for business units. 3. Calculate individual loan and deposit product income statements or portfolio yields, cost of funds, and ancillary income, and cost of producing an individual loan or deposit account.4. Analyze department revenue/expense structures.5. Monitor product cost and cost of transactions to determine a breakeven. Evaluate pricing methodologies for improvement opportunities.6. Research and provide reports on historical and forecasted financial data, identify business trends based on economic trends and portfolio conditions, interest rate adjustments, and asset management that will drive strategic improvements.7. Incorporate analysis knowledge with other departments to ensure alignment with business and corporate objectives.8. Calculate and assess risks involved in transactions, analyze losses for commonalities, and forecast potential losses.9. Monitor and assess the post-period implementation of credit risk management strategies.10. Communicate business trends, create financial assessments and interpret risk analytics.11. Identify and analyze member purchase propensities. Identify key purchasing factors and collaborate with Retail, Lending, & Marketing to identify strategies that optimize sales efforts.12. Analyze sales and financial results and recommend actions to drive performance to goals.13. Identify, evaluate, and implement policies and procedures to drive efficiency and profitability, utilizing software solutions as appropriate.14. Conduct ad hoc analysis to assist with pricing and underwriting strategy using data from various internal and external sources.

Responsibilities • Provide compliance and operational risk advisory services to financial and non-financial services companies, and regulated individuals • Assist clients in meeting local and international regulatory requirements • Provide compliance officer services for clients • Create, review and/or revise policy and procedures manuals for AML and Risk Management • Assist applicants for licenses to the Bermuda Monetary Authority

Part of the Insurance Division with the responsibility of lead supervisor for a portfolio of Lloyd’s Managing Agents. Responsibilities include:• Managing a relationship with senior management of firms• Development and implementation of supervisory strategies• Assessment of risk within firms and the effectiveness of controls and governance structures to mitigate these risk• Performing business model analysis to assess strengths and weaknesses of Firms

Bermuda

* Provide compliance, aml/atf and operational risk advisory services to financial and non-financial services companies,regulated individuals* Assist Clients in meeting local and international regulatory requirements*Provide compliance, AML/ATF an operational training*Provide compliance officer*Create review and/or revise policy and procedures manuals*Assist applicants for licenses to the regulator in Bermuda*Perform and/or assist clients with file review*Prepare clients for onsite visits from their regulator*Create or provide a Compliance and/or Operational Risk Assessment for the client

Bermuda

I led a team, consisting of two senior analysts, in the performance of field-work for On-Site reviews of various regulated entities. On-site reviews consisted of :* Development of an on-site review plan which includes identification of risk areas and development of procedures and questions for senior management to clarify the Authority’s understanding of the insurers risk mitigation techniques* Interviewing senior management including CEOs, CUOs, CFOs and CRO’s of regulated entities* Review of the documentation performed by Senior Analysts* Documenting any risk management weaknesses or areas of non-compliance with the Insurance Act noted during our reviews* Development of recommendations for improvement and presenting these to higher levels of management for approval* Work with the Assistant Director with the presentation of our findings to the regulated entities and the BMA’s senior management.I was responsible for reviewing the analysis performed by senior analysts of the quarterly and annual financial filings, as well as the Bermuda Capital and Solvency Return made by a portfolio of class 4, 3B and Bermuda Groups. I provided assistance to regulated entities as they attempted to understand their filing requirements and the Insurance Act.I performed and communicated performance appraisals of senior analysts. This also included working with senior analysts to create development plans to help them improve their performance going forward

Bermuda

I worked on the financial audits of mutual funds, pensions, investment managers, banks, charities, retail, insurance companies and construction ranging from $10m to $2B in size. My tasks included: * Development of audit plans* Completion of high risk areas of the audit file* Performance of financial analysis* Identifying errors and the appropriate journal entries required to resolve issues and presenting them to higher levels of management.* Review of the work performed by associates* Provide coaching for associates* Finalization of audit opinions and financial statements.