Stephen Johnson Email & Phone Number

Texas, United States

Texas, United States

San Francisco, California, Us

New York, New York, Us

Implementing a program to prevent, detect and mitigate compliance, regulatory and reputational risk across the Lending Point-of-Sale division to strengthen the firm’s culture of compliance by building robust testing methodologies. ● Developing a compliance monitoring program for the Point-of-Sale division utilizing data to detect and monitor instances of non-compliance.● Leverages strong communication and relationship-building skills in frequent interaction with other areas of the firm to advise on compliance requirements in developing new and changed products, capabilities, and services, including controls and monitoring.● Manages and motivates a cross-functional team of three Senior Analysts by providing ongoing feedback, coaching, and training to achieve operational success.

San Francisco, California, Us

Working in this role, I adhere to the Corporate Risk Management Framework and standards of regulatory authorities, including Z, FCRA/FACTA, Reg. E, TCPA, and FDCPA, while devising and implementing efficient methodologies and processes for review activities across the Auto division.My achievements are as follows:• Achieved and maintained a high validation rate through an extensive review of workpapers, conducted by auditors.• Steered organizational effectiveness by conducting efficient testing, appropriate validation, and preparing extensive documentation of review activities for regulatory compliance risks and controls to facilitate key initiatives.• Delivered exceptional performance by precisely analyzing potential emerging risks and delivering pragmatic recommendations and effective mitigation strategies to Senior Management, while leading review activities as the lead point of contact.

San Francisco, California, Us

During my time over here, I determined and inspected the adequacy and effectiveness of policies, procedures, and internal controls by formulating robust testing strategies and techniques in accordance with organizational standards.My accomplishments within this role are following:• Acknowledged for delivering operational risk expertise and professional consultancy for projects and key initiatives, while coordinating with assigned front-line business units across the Auto division.• Maintained high degree accuracy in preparing and delivering reports related to operational risk performance to executive management, covering trend analysis and recommended strategies.• Interfaced and collaborated with senior business leaders to develop corrective action plans and effectively implement processes transformation to drive procedural excellence.• Enabled and optimized effectiveness of validation efforts by developing 15+ QA reviews for high-priority initiatives, directed by key regulators.

San Francisco, California, Us

It is worth mentioning that I ensured seamless workflow by facilitating efficient detection and mitigation of potential risk factors through contribution to the development and implementation of new concepts, processes, and frameworks. Serving as a credit risk specialist, I resolved queries and matters related to policies and procedures, while serving as a consultant to the Auto division's management.Below listed are some of my achievements within this role:• Improved quality, test development, and outcomes reporting by leading reviews, including data analysis, delivering findings, and proposing effective modifications in existing procedures.• Reduced loan losses by 5% through conceptualization and implementation of a training program based on risks identified through vigorous testing.• Demonstrated expertise in efficiently managing complex quality assurance reviews and evaluating issues to ensure activities compliance with necessary internal/external regulatory and risk management practices across the Auto division.

San Francisco, California, Us

• Analyzed and underwrote credit applications based on given authority level to comply with Wells Fargo Auto quality standards while adhering to state and federal regulations.• Managed credit department team when senior leaders were away.• Assisted with panel interviews, training and development of the new hires, and presented further information to the credit team on policy and procedure changes.• Managed and reviewed reports on monthly goals, current pace, and executed strategies to help exceed objectives.• Monitored quality reports with potential fraud or risk impacts and immediately corrected and addressed any findings with management and the underwriting team.

North Charleston, Sc, Us

• Analyzed and approved/denied consumer loan applications to comply with company standards of quality, soundness, and adherence to company policies; led the department to positive loan growth and revenues.• Exhibited a high level of committed service to members and a proven track record of exceeding company goals for cross-sells.• Assisted with semi-annual and annual internal audits along with audits conducted by NCUA by collecting requested loan documents and files; rebutted any findings in error; and completed quality training based on audit findings to junior underwriters. • Cross-sell banking services and products to members, generating deposit and loan account growth; counsel on methods to achieve credit goals and how to maintain balanced accounts.Accomplishments:• Maintained a 65% approval ratio on loan applications while keeping less than 1% delinquency ratio.• Developed a training program that enabled staff to get hands-on experience and knowledge to meet company standards for Centralized Lending personnel.

North Charleston, Sc, Us

• Created and managed the Centralized Lending Department; recruited, interviewed, hired, trained and mentored loan underwriters; analyzed performance and conduct employee reviews; monitor performance by net growth percentage, average turnaround time for applications, delinquency ratios, and charge-off percentages.• Reviewed and approved loan applications within a specified range; referred all loan applications above a specified range to management, complete with my recommendations on said applications.

North Charleston, Sc, Us

• Recruited, interviewed, hired, trained and mentored call center representatives in handling phone applications and processing approved members; analyzed performance and conducted employee reviews; reviewed staff accuracy with processing loan documents; assisted with high-level financial review of income verification documents as needed.• Generated reports to show the efficiency of the department regarding loan volume, error ratios, quality scores of monitored calls, new loan growth, and application turnaround from submission to funding.

North Charleston, Sc, Us

• Created and implemented best practices for development of Call Center; chose third-party vendor for development and staffing of the center; developed call center guide regarding what transactions could be performed via phone; created a lending matrix to determine credit-worthiness of loan applications.• Recruited, interviewed, hired, trained and mentored staff (both in-house and third-party staff) regarding best practices of responding to calls, taking complete and accurate loan applications, escalating loan-related issues, and processing approved loan applications.• Maintained daily communication with third-party vendor management staff regarding call quality and efficiency; generated reports to demonstrate the effectiveness of call center operations.

North Charleston, Sc, Us

• New Account Management: Opened CDs, IRAs, and savings and checking accounts; handled account transactions and inquiries; researched problem-solved complicated account inquiries.• Loan Processing: Assisted members to complete loan applications; analyzed credit reports and debt-to-income ratios; obtained loan collateral valuations when necessary; submitted a narrative package to underwriting for decision on application; disbursed loan funds when approved.

• Assisted customers with account inquiries; escalated account issues; created positive relationships with customers by handling each customer interaction with a friendly, courteous touch while following strict procedures for effective phone inquiries.Accomplishments:• Part of Wachovia@Work program; consistently met or exceeded sales and customer retention goals. • Elected to be part of Wachovia’s Diversity Group at the branch level and call center level.

Master Of Business Administration - Mba, Organizational Leadership

Bachelor Of Business Administration - Bba

Bachelor Of Science (B.S.), Business Administration