Proficient knowledge of the fair lending laws and its components such as Community Reinvestment Act, Home Mortgage Disclosure Act, Fair Housing Act and the Equal Credit Opportunity Act. The base of the fair lending laws is no one shall be discriminated against and all disclosures shall be provided to all qualified lenders. Expert in program analyze and evaluating new and established programs; regarding compliance issues and policy and procedures; providing written and/or oral feedback to Directors, Officers, Management and project members. Recent project analyzed and implemented was “Premise Tracker”. Premise Tracker is an established program that the project team revised to add additional features in order to accommodate the FDIC Settlement group with rent and purchases of owned real estate retained by the FDIC after a closure. The project has been a success and the program was placed into production in June of 2012. Prior experience with USTrust/Bank of America includes: Managed project teams, lead Trust System Training and provided best practice management techniques to increase productivity. Consistently met project deadlines; demonstrating strong analytical and problem solving skills. Professional knowledge and practices of financial institution supervisory and regulatory procedures; derived from 20 years of service in the private industry with USTrust/Bank of America, N.A.; Private Wealth Management group provided Client base of 175 with a combined balance of 3MM plus, providing the following services: general banking, credit (both personal and commercial); Trust, Will’s, Investments and Estate Planning. Expert in public speaking, oral, written and presentation style communications. Public speaking providing written and presentation communication to failed institution staff of 5- 500 plus, monthly meetings with FDIC directors and officers to provide written and oral communications regarding the financial disposition of assigned receiverships.

Developed Benefits and Payroll Strategic Resolution Plan (SRP), report identifies critical business issues and anticipated problems that are not obvious.Interviewed, collaborated and maintained a working relationship with internal and external associates to obtain information needed to create an Employee Benefit Question and Answer letter for the failed bank employees. Analyzed all Employee Benefits provided to failed bank employees. Managed, arranged and lead an all employee meeting for an audience of 5- 500 plus Failed Bank Employees, Human Resource (HR) designee and Executive personnel from the acquiring institution. Collaborated with Benefit Attorney’s to terminate and distribute 401k, Pension and Profit Sharing Plans in excess of 9 million and one 1165e plan (Puerto Rico) totaling $18 million according to ERISA and IRS regulations as effective and efficiently as possible. Managed and created schedule assignments for 30 plus employees. Employee Benefit - Lead, point of contact (POC), subject matter expert (SME) and Manager/Coordinator for Federal Insurance Act for Employee Benefit. Lead POC for the Employee Benefits Management Services. Created excel spreadsheet to provided employee list for all qualified health benefit recipients for failed receiverships. This is a COBRA like benefits offered through the FDIC to employees of a failed financial institution with an employee base of 20 plus assigned to the East Coast Temporary Satellite Office. Developed and maintained open communications via email, letter and phone to various welfare/insurance and benefit service providers. Created request through FACTs to obtain legal opinions and cases to retain and pay service providers.

Handled payroll for failed institutions (FI) with an employee base of 500 plus. Duties included obtaining a current payroll roster, keeping time for each employee for 3 or more days. Calculating Vacation and Paid Time Off based on the FI’s benefits handbook, collaborating with current payroll provider (ADP, Paychex, Ceridian, and in-house clearing accounts) and contractors (Advantage Staffing, OnCall, Imprimis, ADP) to ensure all time submitted is captured and allocated properly. Obtain final payroll roster from the assigned payroll contractor, Analyze and review information for correctness, request and obtain approval from the Receiver in Charge then submit the final product with approvals to the Settlement Agent assigned to the receivership for processing.

Developed and presented training materials, developed budgets for beneficiaries and performed process analysis in accordance with a business plan. Private Wealth Management point of contact, coach and trainer for new and existing associates introducing Financial Management systems, New Application and Volunteer initiatives. Organize and developed highly skilled accounting, financial management and project teams of 3 to 5 plus associates to develop and achieve established objectives. Collaborated directly with Regional Market Executives, Chief Fiduciary Officer and managers to review compliance and special project reports; introduced potential issues, recommendations, and solutions. Lead and managed meeting request for east coast Trust offices. Collected and assembled information for discretionary request from Trust beneficiary. Disseminated collected request information via email to 50 plus associates. Worked in partnership with a team of professionals to provide the ultimate banking experience for the affluent Private Wealth Management clientele with balances of 3 million plus. Developed instructional materials and power point presentation job aids for new hires; providing specific web enabled software. Organized and ran a 10 day training session for off-shore associates via live net meeting.

IRA Specialist- Administered IRA Trust accounts for all Florida Barnett Bank. Managed account load of 350, with a value of $500,000 plus. Joined with internal and external lines of business to open, close, and transfer assets efficiently within the 60 to 90 day designation. Created and managed IRA tax reporting Forms 5498’s and 1099R’s, for all IRA Trust accounts for the state of FL. Worked with the IRS to produce and file the appropriate tax forms within the designated time frames set forth in IRS statutes.