Licensed HVAC Technician

Fraud Expert

• Responsible for reviewing training, job aids, and huddle guides for the Claims and Fraud Prevention operations from a regulatory perspective.• Tactical involvement in the creation of new action plans. Working closely to ensure the controls created will correct the stated issues. • Providing advice and direction to the business on issues relating to various regulations including: Reg E Electronic Funds Transfer Act (EFTA), UCC, Reg CC- Availability of Funds and Collection of Checks.

• Designs, updates and administers annual assessments for AML / BSA / OFAC compliance. Working in both a strategic and tactical roles.• Conducts bank deposit and lending reviews for all product lines both consumer and business. Provides feedback to aid in the correction of errors and advises operations on better work flow.• Member of the Bank’s Financial Investigation Unit (FIU) which evaluates alerts for potential suspicious activity and makes recommendations for regulatory filings. • Inspects and monitors branch activity for the proper filing of all reportable Currency Transaction Reports (CTR’s).• Daily monitoring of potential OFAC matches that have been escalated for tier two reviews. I work with the area the conducts the actual filing with FinCEN. Also assisting in 314a monitoring.• Manages the program for the Home Mortgage Disclosure Act (HMDA) and conducts the quarterly testing of the LAR components including the annual filing.• Reviews and approves Marketing material for new products and updates to existing products for compliance to Regulation DD, Z and UDAAP. • Collects, compiles and distributes quarterly Metrics for senior management and board reporting. The data represents bank compliance statistics for daily operations, projects, regulatory filings.

• Conducted investigations of potential fraud and money Laundering incidents. When necessary, filed cases with individual state departments of insurance departments based on state law, and SAR’s as required under the Bank Secrecy Act. • Researched methods applied: Reviewing contract information, searching public records databases (LexisNexis), reviewing customer service calls, and analyzing various transactional records for Nationwide Bank and multiple Nationwide Financial platforms. • Leveraged artificial intelligence software to track potential matches to Federal government sanctioned country and persons lists provided by the US Treasury department (OFAC). Analyzed system results to either disprove or confirm the match. • Project Manager, worked closely with IT and business units to monitor the feed of data into our department from over sixty lines of business. Focused on the integrity of the data as a key to the matching of names against the sanctions lists.

Hired, trained and managed an eight-person staff for a newly-formed compliance department that monitored potential lending and collecting regulatory infractions.Monitored regulatory lending compliance issues including: CRA, HMDA, Fair Lending requirements, and adherence to internal company policies and procedures. Acted as project manager for numerous on-going and short term projects to implement "Best Practices", system controls, policies and procedures. Led meetings with Senior Management to help coordinate multiple projects with business and IT resources.

Supervised individuals who conducted Real Estate pre-close and post-close loan reviews for adherence to underwriting requirements.Monitored collection activities and provided written and verbal feedback to keep employees in line to the Fair Debt Collection Practices Act. Sited workflow inefficiencies in the course of scheduled reviews and through good and constant communication with my clients. Maintained a self-developed fraud detection database to monitor employee bonuses.Built an automated reporting database that sent over two hundred daily reports for production monitoring for middle and senior management.

Drafted audit plans, conducted audits, and developed and presented audit results to senior management. Types of audits included Customer Service Centers, Collections, Bankruptcy, Payment Processing, Extension of Credit (Lending), and Systems Audits. Interviewed all levels of staff, and management to develop better workflow and insure compliance to company policy, as well as state and federal laws.Helped other audit teams by practicing team member rotation for other domestic and international audit programs within the company.

Extensive domestic travel, auditing two financial services branches a week for compliance to company policy, state and federal regulations. Conducted training to groups of ten to twenty people on company policy and federal requirements for lending and collecting.

Managed successful five person financial services branch in a lending and collecting environment (Assets of $10 to $15 Million). Achieved "Presidents' Association" honors, for branches that achieved profit in the top eight percent of the company.Aggressive Sales environment with monthly and annual required quotas. Established financing for retail and home improvement vendors for the local community.Approved loans and managed accounts that were 30 to 180 days past due. Sold REO property to save losses and increase profit.