Summer Toth Email & Phone Number

Sydney, NSW, AU

Sydney, New South Wales, Australia

Sydney, New South Wales, Australia

• Automating the Assessment of Applications Against Lending Criteria: Ensuring that all applications are evaluated efficiently and accurately in alignment with established lending standards.
• Compliance with AML/CTF Obligations and Regulatory Responsibilities: Guaranteeing that all Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) requirements, as well as Privacy, Disclosure, Business.
• Key Operations contact for the sale of the Loan book to a well-known Australian Bank due to my extensive experience. I led and supported the Operations Team, including the Credit Team Leader, Underwriters, and Digital.
• Expert Guidance and Coaching for Mortgage Applications: Offering specialised coaching, guidance, and efficient processing for mortgage applications to ensure high-quality service and successful outcomes.
• I oversaw the company's insurance processes, ensuring comprehensive coverage and serving as the primary liaison with brokers.

Sydney, New South Wales, Australia

• SOC2 Lead: Directed the implementation and successful certification of SOC 2 type 2, and ongoing audits ensuring compliance and enhancing data security.
• ISO27001 Lead: Directed the implementation and successful certification of ISO 27001, and ongoing annual audits improving the organisation's information security management system.
• Regulator key contact - Compliance with Australian Credit Licence including ongoing ASIC compliance certificates, ASIC IDR reporting, AFCA Assessment submissions, AFCA renewals, AUSTRAC compliance reporting.
• Designed and implemented ongoing annual Due Diligence with Third Party Suppliers.
• Successfully designed and delivered a comprehensive Performance Management program across the business, including the rollout and training of staff to ensure seamless integration and adoption.
• Operational Risk and Compliance Lead: Spearheaded operational risk and compliance activities.

• Leadership and Change Management: Successfully led 19 branches through continuous change by providing coaching, training, strategic planning, project implementation, and ongoing support. Communicated effectively on.
• Home Lending Workshops: Organised and conducted workshops for lenders, enhancing their knowledge and skills in home lending.
• Team Development: Coached, developed, and led a highly successful teams, ensuring compliance with regulatory reporting and responsibilities.
• Business Development: Engaged in business development within the local community and collaborated with business partners to drive growth.
• Performance Management: Consistently achieved key performance indicators (KPIs) as outlined in the performance scorecard.
• Customer Service Excellence: Established and maintained a service culture standard that led to increased customer retention and growth by ensuring high levels of customer satisfaction.

Central Coast

Sydney, New South Wales, Australia

• Establishing a recruiting, testing, and interviewing program, counselling managers on candidate selection.
• Conducting and analysing exit interviews, recommending changes.
• Preparing employees for assignments by establishing and conducting orientation and training programs. Maintaining a pay plan by conducting periodic pay surveys scheduling and conducting job evaluations.
• Prepare pay budgets by monitoring and scheduling individual pay actions, recommending, planning, and implementing of pay structure revisions.
• Planning, monitoring, and appraisal of employee work results by training managers to coach and discipline employees, scheduling management conferences with employees, hearing and resolving employee grievances..
• Maintaining management guidelines by preparing, updating, and recommending human resource policies and procedures. Maintaining historical human resource records by designing a filing and retrieval system. Keeping past.

Sydney, Australia

• Partner with First Line business owners and risk managers to develop, implement and maintain adherence to the Risk Management framework
• Provide specialist risk advice to influence decisions and support business strategy
• Establishment and accountability for enhancement to risk information management systems.
• Identifying emerging risks
• Provide guidance and assistance to business and executives in the development of processes and controls to manage risk and issues
• Provide guidance and assistance to business and executives in the management and resolving of risk and issues

NSW/ACT

Implement and maintain Operational Risk Framework and culture.* Create, review and ongoing management of risk profiles, to ensure current to business objectives.* Provide awareness sessions on risk profiles, controls and new compliance regulations and obligations to the line of Business, Senior Management and colleagues* Monthly risk reporting prepared for.

Chatswood, Hornsby, Bondi Junction, Warringah Mall

* Educate staff members and customers to assist in creating financial solutions for wealth growth* Insurance solutions for clients.* Business Development for creation of strong client relationships* Developed strong business plans to ensure clear direction* Create high performance culture to ensure sustainable growth of the business* Management of teams in.