Sara Bonilla Email and Phone Number

-Planned, coordinated, and conducted operational, financial, regulatory, and technical audits in accordance with Navy Federal and industry audit standards.-Coordinated with points of contact to obtain an understanding of established processes, procedures, and controls and request supporting evidence for testing.-Developed risk-based audit work programs designed to test identified controls.-Performed audit testing by reviewing and analyzing audit evidence to determine compliance with policies and procedures and determine the operating effectiveness of controls under review.-Identified issues within the department and/or organization and developed recommendations to improve credit union processes, policies, and internal control procedures affecting overall operations.-Prepared audit documentation for senior management to summarize auditing procedures performed, controls tested, results of testing, and findings.-Partnered with business areas to ensure corrective action plans are developed and implemented to address any issues identified. -Acted as Auditor-In-Charge on audits, overseeing project team members on assigned components by working with the audit team to identify risks, develop audit programs, review work papers, and resolve issues.-Monitored progress of audits and reported delays and issues to management.-Prepared final audit summary reports for senior management, the President/CEO, and the Supervisory Committee.-Trained and mentored less experienced staff.-Supported department initiatives by assisting with projects, providing feedback on procedural changes, and recommending improvements to audit processes, as needed.

-Served as an administrator for the Governance, Risk and Compliance Tool (Archer) assisting with development of modules, testing, troubleshooting, and training.-Developed policies and procedures related to the Enterprise Risk Management program.-Worked collaboratively with 1st, 2nd, and 3rd Line of Defense functions to identify and implement consistent, practical approaches to risk governance and control-based activities.-Performed walk-throughs with business units to enhance risk and control information, identify gaps, and eliminate inconsistencies.-Monitored outstanding NCUA issued findings and corresponding remediation plans utilizing the Governance, Risk, and Compliance Tool. -Provided training through New Hire Orientation to assist with increasing risk awareness and knowledge within the organization.

-Provided leadership, training, and guidance to the Operations Audit staff.-Scheduled, coordinated, and performed branch audits.-Examined and evaluated the adequacy and effectiveness of branch operations and controls.-Helped determine if operational procedures and controls provided assurance that assets were safeguarded and that SECU adhered to policies and regulations.-Coordinated and led projects within Operations Audit as well as with other internal departments.-Assisted in Credit Union policy and procedures discussions with departments and branch personnel as assigned by the SVP of Operations Audit.-Assisted in the development and implementation of audit software programs as related to operational audit needs.

-Performed audits of branch operations; providing specific recommendations for correction or improvement where necessary and reporting all findings to management and the Board in a timely, objective, and professional manner.-Continually analyzed branch operations and Operations Audit procedures and processes, working closely with co-workers in a team-oriented environment that promoted challenging the status quo, seeking to improve branch operations and Internal Audit's effectiveness.

-Supervised and administered a branch office in accordance with the policies and guidelines established by the Board of Directors and general management. -Managed the delivery of all financial services to the membership; ensuring quality service was provided and effective cross-selling programs were implemented.-Responsible for branch personnel including hiring, training, performance, and continued development.-Acted as chief lending officer in the branch, responsible for seeing that lending policies, documentation, controls, and collections are carried out according to policy.

-Contributed to training and management of branch staff, while being engaged in all areas of member service; including insurance, investment and trust services.-Established and monitored mortgage assistance plans for members facing financial hardship.-Served as a regional trainer with the tax preparation program; conducting tax preparation courses for fellow employees, acting as a resource for preparers during tax season, and managing the tax preparation program within the branch.

-Assisted members within a branch operation in all areas of consumer and mortgage lending that included making lending decisions consistent with Credit Union policy and performing collection efforts; while also providing tax preparation and insurance services.

-Responsible for interviewing loan applicants by telephone, completing related loan applications, and making credit decisions up to designated loan authority consistent with Credit Union policy.

-Established new memberships, opened accounts and processed account changes; cross-selling Credit Union services and assisting members with account problems, checking reconciliation, or errors in transactions.