Selma Peralez Email & Phone Number

Round Rock, Texas

Responsible for execution of corporate Compliance Program under the direction of the CEO and Legal Counsel. Formulate policies, procedures and processes that are part of the written Compliance Management System (“CMS”) and implement elements of the CMS throughout organization to promote compliance with applicable laws and regulations. Perform compliance monitoring and testing across all business segments and oversee exam and issue management, including compliance risk identification and remediation. Maintain written CMS that implements an effective risk-based compliance system and promotes compliance accountability. Perform risk and control assessments, including identification of risk, control gaps, root cause analysis, and mitigation strategies. Implement policies, procedures and training to align processes with CMS and regulatory requirements. Implement controls, compliance audit, monitoring and testing programs to prevent, identify and correct noncompliance with regulatory requirements, including call monitoring for call center operations.Manage comprehensive consumer complaint management system/process and ensure appropriate and timely response to all complaints, perform root cause analysis and promote continual improvements. Coordinate with team members managing vendor management programs to provide regulatory compliance support and align regulatory compliance elements under the CMS.Partner with senior business leaders to drive strategic business decisions while balancing the need for tactical execution of compliance requirements. Assist the lines of business, as needed, in implementing remediation actions or mitigation strategies for identified compliance issues.Respond to regulatory inquiries, examinations, and investigations. Monitor and evaluate emerging compliance trends.

Austin, Texas Area

Responsible for Corporate Compliance of pawn and financial services operations in the US, Mexico Pawn and Canada. Promoted from Compliance Audit Manager (single division) to the Director of Compliance for the global Risk Management Team. Expert in consumer lending laws, including AML/BSA, GLBA, TILA, ECOA, UDAAP, FDCPA, FCRA, FTC, CAN-SPAN, CIP, TCPA, ESIGN and NACHA. Design, deploy and manage regulator-ready Compliance Programs including Risk Assessment and Independent Testing, Compliance Management Technology Systems, Compliance Audits, Finance/SOX initiatives, Operations/Firearms, AML/BSA, OFAC, FCPA, Complaint Management and Root Cause Analysis, Documentation, Training, Policies and Procedures, Vendor Management, Collections, Customer Service and Board Reports. Manage a team of Compliance professionals tasked with imbedding enterprise risk management initiatives across all corporate entities. Manage a team of Auditors assessing storefront compliance and implement changes. Oversee Root Cause Committees to analyze customer complaints, store audits, third party audits, collection processes and trends. Ensure timely and accurate Regulatory Reporting (OCCC, OFAC, SARs, CTRs) and implement measures to withstand scrutiny by the CFPB, ATF, FinCEN and other regulators. Manage Federal, State, City, and Vendor audits in pawn, firearm and financial services divisions. Assess and plan for changes in regulation and industry markets to promote compliance, partner with business partners and strategize on product development, and maximize process efficiencies under operational policies and procedures. Work closing with Finance and Accounting for Sarbanes-Oxley accountability.

Buda, Texas

Led start-up of Austin branch offices for MassMutual and Colonial Life. Recruited, trained and developed a sales team to become a viable independent Agency meeting recruiting, commission, service and client goals. Managed implementation of Compliance Management Program to include privacy, internal business controls, risk-based operation solutions, data information security, and promoted compliance with all laws and regulations.

Austin, Texas Area

Strategic Planning • Market Identification & Development • Operations Management • Training Process Management • Regulatory/Compliance • Recruiting • Staff Development • Supervision • Motivation Incentive Program Development • Financial Accounting • Budget AdministrationResource Allocation • Vendor Relationship Management • MarketingCustomer Service Management • Personnel Management • Team Building

A bank-based investment program that markets a variety of non-FDIC products such as mutual funds sponsored by Guaranty Brokerage Services, fixed annuity income instruments, and traditional insurance. Supervise a team of direct reports who develop and enforce operational procedures for a sales force of more than 400 personal bankers who cross-sell the entire Financial Insurance Solutions product line of insurance and security investment instruments. One of two responsible for establishing production and sales goals and ensuring the proper implementation of incentive and training programs. Oversee implementation of Agency Selling Agreements, daily money management, and field licensing. Conduct semi-annual due-diligence analysis of all insurance carrier and broker dealer service levels, ratings, and financial reports.Initiated recruitment and training programs that resulted in the division becoming the leading and most profitable such program in the industry by 2003.Instrumental in growing the business to average annual program production of $550 million and anticipated revenues of $22 million.Oversee management of the after-sale process for more than 75,000 customers with multiple accounts. Instrumental in managing financial product/revenue generating projects from beginning to end across all functions of Operations, Marketing, IT, Customer Service, Accounting/Finance and all distribution channels.IKey contributor to the division's status as the most profitable of Guaranty Bank's operations.Manage an operating budget of $10 million to $12 million.Developed and maintain a customized administrative tracking system to support consistent business growth and manage sales goals. Develop Process Management directives and facilitate associated training within the department.Create project-based communications, presentations and measuring tools.Have consistently led the industry in customer satisfaction ratings and lowest number of complaints.

A startup bank investment program providing fee-income-based programs as a third-party marketer to banks, savings and loan associations, and credit unions.Vice President, Administration & ComplianceInstrumental in working with Senior Management to identify a market opportunity and strategically partnered with senior bankers to design customer fee-based investment programs. Managed marketing, product distribution, technology and operations, including agent commissions, finder fees, program revenues, compliance, and contracting. Designed and delivered sales and service training for personal bankers in client organizations.Quickly built the firm to profitability and successfully managed more than 10 third-party investment programs.

Ba, Mass Communications

Master'S In Education Leadership

Currently pursuing Master's Degree