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 Continuity, and Risk Management obligations, are fully met in accordance with Australian Credit Licence regulations.• 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 Mortgage Specialists, fostering professional growth and ensuring team effectiveness.• 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.• Operational Risk Framework Development: Developed and maintained an operational risk framework to ensure policies and activities align with financial market and regulatory benchmarks.• Operational Risk & Compliance Leadership: Led the Operational Risk & Compliance function to become a valued and trusted business partner, providing quality, innovative, and proactive advisory services while supporting the business in managing current, changing, or emerging risks, regulatory obligations, projects, and customer expectations.• Collaborative Relationship Building: Built and maintained effective, collaborative, and trusted relationships with other business leaders, management, and relevant external organisations.• Crisis & Business Continuity Management: Designed and implemented the Business Impact Analysis, Business Continuity Plan, and Disaster Recovery Plan. Served as the business owner for Nanos Crisis & Business Continuity Management, delivering and facilitating company-wide simulation tests for both Business Continuity and Disaster Recovery.

• 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 operational, structural, reporting, procedural, role-related, product-related, cultural, and staff relocation matters.• 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.• I lead a high-performing team dedicated to delivering exceptional outcomes for customers with insurance needs

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. Counselling employees and supervisors.• 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 and current records accessible.

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• Recommend strategies and solutions to leadership to reduce risk exposure across the business.• Own end to end projects from a Risk perspective• Conduct deep dives into areas of concern and provide comprehensive reporting to management on findings• Provide risk and policy guidance and training to 1st Line staff, business units and senior executives• Facilitate and monitor the implementation of effective risk management practices by operational management and assists risk owners in defining the target risk exposure• Establish 2nd line reporting to Senior Executives & Board/s on the design and implementation of the risk management framework• Establish reporting to the Senior Executives & Board/s on risks and issues at Police Bank.• Monitor various specific risks such as non-compliance with Work Health and Safety directly to senior management.• Supporting management policies, defining roles and responsibilities, and setting goals for implementation• Implement and maintain Operational Risk Framework and culture• Management and maintenance of the “Protecht” Risk Management System and Risk Registers.• Regular Risk Management Certification process to assess the effectiveness of Management controls in place to mitigate operational risks• Facilitate a regular workshop to review changes in the risk profile• Facilitate the deployment of an ongoing Risk Management Culture across the Bank

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 Chief Executive Business Banking, inclusive of risk events, business continuity tests, key risk indicators.* Business Continuity Plan Coordinator for Business Banking Division including maintenance and Business Continuity Disaster Recovery Testing.* Business Impact Analysis.* Regular review of Control Self Assessments.* Undertake Control Assurance Programmes.* Key Risk Indicators management and monitoring including review of indicators to ensure consistent with business changes and objectives.* Review audits and ensure completion of audit action items to close and remove Operational Risks.* Review and manage Business Requirement Documents for new product / business improvement initiatives and undertake risk assessments.* Record risk incidents within the banks risk incident database and perform root cause analysis on events.* Report on risk incidents outside of appetite to the Business Banking Executive Management Group.* Report on risk incidents outside of appetite to the Bankwest Operational Risk Committee, including root cause analysis and process improvement initiatives to close gaps.* Manage new initiatives to close process gaps. * Materiality risk assessments.* Qualitative and Quantitative risk assessment exercises.* Co ordinate Annual Risk profiling exercises with Senior Leadership Group to ensure current objectives have appropriate risks highlighted for ongoing management and review.

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 store up to 8 people and offsite up to 25 people* Performance management and accountability for staff members to achieve set targets* Risk management and team awareness and understanding* Review and manage Control Self-Assessment monthlyAdditional duties included (outside of store) –  Lead - Home loan pipeline–provided guidance and expertise to 8 Senior Lenders  NSW Store audit review (Provided guidance to Store Managers minimum once monthly) – stores included, Lake Haven, Bateau Bay, Tuggerah, Erina, Hornsby, Chatswood, Bondi Junction, Randwick and Charlestown. Compliance Workshop – Wrote and presented workshop to East Coast Stores Risk Champions to create solid compliance understanding.