Data Compliance Solutions LLC (DCS) was founded in Southern California with a focus on everything compliance. We have worked in many positions related to compliance in banks, credit unions, private lenders, and as regulators ourselves.

I am responsible for the day-to-day operations and providing support to the company as a whole as we continue to grow.Provide significant expertise related to internal audit and regulatory compliance for financial institutionsReview all reports, contracts, proposal, budgets (including preparing reports to present to clients)Auditing and prepare audit documentation as requiredCoordinate all phases of the engagement, including execution of the engagement/proposal letter, communications with the client, staffing requirements, job/cost planning, and scheduling Participate in audit/supervisory committee meetings when invited by clients Perform audit procedures as well as delegate work to staff according to their experience and capabilities in conformance with the planning documents. Travel to client sites as neededProvide overall leadership, supervision, training, and performance feedback to staffDevelop business by expanding existing relationships with clients, maintaining personal networks, and participating in civic, business, and professional organizations.Monitor changing compliance regulations and update audit programs accordinglyPrepare PowerPoint presentations for client opportunities and speaking engagements

In this important position, I am responsible for performing internal audit engagements covering Credit Risk Management functions for the Consumer Bank. I perform and lead engagements including evaluating internal controls, performing and documenting audit test work, communicating audit issues to management and identifying and recommending emerging areas of risk or opportunities for more effective and efficient audit processes.Assist the Director, Credit Risk in all aspects of audit activities including annual risk assessments, audit planning, control evaluation, reporting, documentation and verification of issue closure.Credit Risk in collaborating with IAS Management in the development and delivery of the periodic Credit Risk Management Control Opinion.Participation in audits within the Credit Risk Management area of the organization, ensuring all audit work is performed in accordance with department and professional standards.Deliver quality audit work within required methodology and completion timeframes of each audit. Identify areas of risk and recognize whether the related controls are operating effectively. Evaluate control strengths and weaknesses and recommend appropriate changes. Analyze root causes of issues identified and make recommendations to management to improve the control environment accordingly as necessary.Work to build productive working relationships with management and key contacts within the business and internal audit team members.Communicating effectively both orally and in written form with management, and regulators. Perform continuous monitoring to recognize patterns and trends with risk and controls implications; and to identify emerging risks and develop test procedures to cover these risks.

I perform internal control audits of the CIT's front-office and financial applications, and procedures in conjunction with Sarbanes-Oxley (SOX) compliance.Participate in the execution of activities to support the objectives established for SOX compliance Participate in the development of testing plans over key controls, reports, and spreadsheetsEvaluate the operational effectiveness of entity-level controls, business process key controls, and ITGCs in accordance with ICFR testing guidance, FDICIA requirementsPerform data collection, verification, and interpretation to assess the accuracy and completeness of system reports and end user computing spreadsheets, as instructed by the external financial auditorDocument SOX testing procedures performed and results of those procedures in accordance with established regulatory and professional auditing standardsParticipate in the execution of innovative audit and advisory projects of key business and finance focus areas to evaluate financial, technology and operational risk management.Develop a detailed understanding of business processes, looking for both control gaps and opportunities to gain process efficiencyEnsure proper identification and disposition of internal control issues that have potential financial, technology, operational and/or compliance risk implications to the company and that they are well-defined, documented and the root causes are analyzed, discussed and agreed with ManagementDocument accurate, logical, and detailed workpapers clearly describing the tests, the result of work performed, and conclusions reached in the RAAS work paper management toolReview Finance Business/Management responses to the Quarterly Self-Assessment program and ensure that any issues and process changes are tracked and SOX documentation updated accordinglyCommunicate in a timely manner any control deficiencies or exceptions identified during SOX testingCommunicate with and assist external auditors as needed

I was contracted with developing an Internal Audit Department for LoanMe to meet the standards of the Institute of Internal Auditors.Shape an internal audit department and internal audit processesConsult with departmental team managers to identify internal operationsEngage exam program, including interviewing staff, testing systems, and observing behaviorContinue to enhance internal audit testing mechanisms and scopeAccurately evaluate operational dynamics on a large scaleAccurately document all information pertaining to accountsAssess current shortfalls with quantitative measuresIdentify and understand benchmarks against which to gauge actual processes and practicesRecommend improvements based on sustainable resources while limiting the risk of the CompanyFollow up with management on recommended improvements and remedial actionCreate and implement strategies in succession phases on all projectsDevelop internal reports to measure project milestones are accomplished within predefined parametersEvaluate internal infrastructure constraints and partner with departmental team members to reconcile pre-established guidelines

My role as a Senior Internal Auditor was to develop the audit department’s infrastructure to meet the Institution of Internal Auditors standards (IIA) while ensuring controls and regulatory monitoring was included in the workpapers. Actively managed Client/Line of Business Relationship Management Performed Compliance Audits, Monitoring, and Testing on various topics (Originations, Operations, Underwriting, Servicing, Advertising and Marketing, Compensation, Human Resources, Adverse Action Mapping, Vendor Management, and other mortgage specific topics) Conducted assigned operational and compliance audit management interviews, walk-throughs, transactional/control testing, and debriefing. Assisted with Audit BudgetDeveloped customized operational and compliance audit programs, risk matrices, and workbooks Developed Audit Timelines and Steps, Compliance Program, Internal Policies and Objectives, Procedure Manuals, standard templates for internal and external communications, and TrainingDrafted Reports Gap Risk Analysis and Cost Business Analysis Identified regulatory, operational, reputational, financial, and credit risks in order to improve the effectiveness of risk management, control activities, and governance processes.Logged all processes being reviewed Performed Regulatory Audits (ECOA, FCRA, TILA, UDAAP, SCRA, FDCPA, CAN-SPAM, GLBA, TCPA, RESPA, HMDA, AML/BSA, KBYO, etc.) Reporting (Schedule Forecasting, Dashboard, Regulatory Tracker, Exceptions Tracker, PowerPoint Presentations, etc.) Researched industry developments to incorporate into audit plans, scopes, and steps Reviewed audit work papers for completion and best practices as they relate to mortgage banking operations: governance, production, originating, servicing, secondary marketing and finance Worked with client management team to identify process improvements, key control narratives, and report templates

Created work paper standards, risk definitions, heat map, and audit charterIdentify all exceptions found through audit in an Audit report Update and revised Audit schedule to ensure the Audit team stays on track with audit schedule while including all ad-hoc audits or compliance projectsCoordinate state regulatory audits, resolve cited exceptions in connection with the audits and prepare written responses to exception reportsWork with third party audit groups private and regulatory (DOJ, SEC, FTC, CFPB, Wells Fargo, Protivity, Attorney General, etc.) for all examinationsMaintain an awareness of developments in relevant legislation, best practices and external guidance; provide updates and expertise to colleagues and management on same.Audit for compliance by business areas (owners and stakeholders) while assisting with publishing policies and creating proceduresAudit Change Management process to ensure complianceManage Corrective Action Plan processPrepare internal reports and summaries on incidents of non-compliance with relevant legal, regulatory and policy requirements.Coordinate with the CCO and Board of Directors to maintain appropriate training and development reports and records, including effectiveness assessmentsEstablish and maintain close collaborative working relationships with all department managers and key business unitsDevelop Line of Business Monitoring to ensure all business units are monitoring for compliance Create the Monthly Audit Dashboard which provided a clear picture of the risk or impact to the companyMonthly Presentations and Reporting to the Board of DirectorsDevelop Secret Shopper Program to monitor compliance with TCPA, FDCPA, and UDAAPTrain all newly hired auditors on systems, audit procedures, audit policy, work papers standard, and regulations applicable to their auditsAudit areas appointed to me are FCRA, TCPA, FDCPA, Usury, AAN, Opt-Out, GLBA, UDAAP, Federal Bankruptcy Laws, ECOA (Fair Lending), TILA, etc.

Manage a queue of delinquent accounts to prevent loan losses through progressive collection efforts.Negotiate with dealerships to create payment solutions based on individual circumstancesWork with Account Managers to determine when to work down accounts.Manage the recovery of collateral when applicable and coordinate the liquidation of those assets with our Remarketing team.Execute collection efforts as directed by the operations manager.Actively participate in a team environment and collaborate to help improve work flow, collection processes and department efficiency.Protect the confidentiality of all aspects of the company’s operations, portfolio, customer information, and computer technology-facilitating title searches and mortgage closures.Assists in licensing application and renewal and complying with states’ licensing requirementsCreates reports.Assists with general corporate legal matters as needed.

Investigation, evaluation, negotiation and resolution of claims of minimal to moderate complexity. Manage caseload to meet service, productivity and quality standards. Investigate, appraise and settle vehicle claims. Examine policies to determine coverage. Interview, telephone, or correspond with claimants and witnesses, consult police and/or impound records, and inspect property damage to determine extent of liability. Conducts necessary investigations to determine policy coverage and takes proper steps to pursue adequate settlement. Analyzes information and determine the insurer’s liability under the policy contract. Investigates possible reimbursement of applicable fees paid out by Westlake Financial Services in the event of a repo or lien holder claim. Ability and work autonomously, with a sound knowledge of applicable laws and regulations of the auto claim industry.Effective written and oral communication skills to enable accurate completion of reports, information gathering and negotiations. Ability to work in a high volume; fast paced environment.A high degree of motivation and ability to work independently as well as part of a team. Ability to work a schedule that may include evenings and/or weekends. Desire and ability to learn new skills.Excellent communication, organizational and developed customer service skills.Positive and “Can-Do” attitudeAbility to multi-task and handle a high volume of inbound/outbound callsRespond to emails and process faxesFacilitate the claim process for our customers

Account VerificationACH InvoiceAdjusting Authority Limits (Employees)Audit PreparationBalancing (ACH Report, ACH Federal Report, ATM Report, Bank Account Report, EFT port, OFAC Report, Rejected Transaction Report, Tran Blocker Report and TMS Report)Backup ProcessingBlocksCallbacks ProcessingCall ManagementDebit Cards (Closing, Limits, Open, and Tran Blocker)Monthly’s (Certifications and Cash Counts)Notices and DisclosuresPassword AdministrationReturn MailScan Files and Catalog FilesTMSWire Transfers (Domestic and International)

Approvals, Keys, and OverridesAuto Loans (Applications, DMV, Fund, Process, and Underwrite)Teller Transactions (Audit and Sell Cash to Tellers)Balance and Handled Cash DeliveriesBusiness DevelopmentCall NightCredit Cards (Applications, Fund, Process, and Underwrite)Debit Cards (Activate, Close, Order, and Pin)Handled all ReferralsHandled Customer Concerns and QuestionsLost PreventionMaintain Customer ProfileOffsitesOpen and Close BranchOpen/Fund Personal Checking and Savings AccountOpen/Fund Trust Checking and Savings AccountsPersonal Loans (Applications, Fund, Process, and Underwrite)Set up Online Banking and Bill Pay

Provide expert advice and service to customers.Find satisfaction in offering the right financial solutions to help customers with large expenses, such as saving for college, buying a home, and planning for retirement.Take pride in exceeding their clear-cut goals.Receive frequent recognition and rewards for top performance. Building and managing lifelong customer relationships.Understanding customers’ financial needs and showing them how to get the greatest possible value from our products and services.Analyzing current customer relationships and proactively contacting customers with recommendations to help them achieve financial success.Developing and maintaining relationships with Wells Fargo partners to maximize sales opportunities.