Terry Fitz Email & Phone Number

Cincinnati, Ohio, United States

Cincinnati, Ohio, United States

• Led the compliance advisory program for all consumer-purpose loan products through all stages of the product lifecycle (lending, servicing, and default servicing activity). Also led the Fair Lending & Responsible.
• Played a key role in designing the compliance program framework and strategic direction.
• Initiated and led the development of a new mortgage broker compensation structure to mitigate Regulation Z and fair lending risks.
• Served as the primary compliance expert for the development of a low-cost revolving credit line based on deposit account activity rather than credit reports.
• Advised on the development of two special purpose credit programs to expand access to credit for underserved borrower groups.
• Collaborated with Risk Management and Legal partners to develop solutions that integrated compliance, legal, and operational risks.

Cincinnati, OH

• Led the compliance advisory program for all consumer-purpose loan products through all stages of the product lifecycle (lending, servicing, and default servicing activity).
• Created stable and collaborative relationships with business leaders in several lines of business establishing compliance as a valued strategic partner.
• Drove comprehensive process changes to enhance Regulation B approval and denial notice timeliness.
• Served in key role for examination readiness and management strategies.
• Led the development of the line management program for home equity lines of credit to ensure compliance while supporting business objectives to reduce credit risk.

Cincinnati, OH

Provided expert compliance guidance for mortgage and home equity lending for all consumer compliance regulations and served as the subject matter expert for fair lending & responsible banking/UDAAP compliance:(This role was due to the consolidation of Fair Lending & Responsible Banking into the Consumer Compliance Program.)

Cincinnati, OH

• Led the Fair Lending & Responsible Banking program by providing guidance to a team of compliance officers while also performing the advisory function for the mortgage and home equity lending businesses:
• Established a high-visibility presence with business leaders to develop a proactive approach to fair lending and UDAAP compliance.
• Collaborated with the data analysis and testing team on their fair lending reviews and results.

Cincinnati, OH

• Assisted with the implementation and enhancement of the Fair Lending & Responsible Banking compliance program by providing the advisory function for the mortgage and home equity lending businesses:
• Earned Fifth Third’s Horizon Award for the development of enhanced fair lending controls for loan exceptions.

Cincinnati, Ohio, United States

• Managed a team of compliance professionals to implement and enhance the compliance programs for mortgage, home equity, and consumer lending:
• Significantly increased the span of responsibility by combining the compliance teams for the consumer lending business and the mortgage and home equity lending businesses under one Compliance Manager.

Cincinnati, Ohio, United States

• Managed a team of compliance professionals to maintain and improve the mortgage lending compliance program:
• Worked in strategic partnership with senior management to ensure effective compliance controls were incorporated into the design of new and existing products and processes.
• Managed the compliance testing team and HMDA data validation team.

Cincinnati, OH

• Helped drive key enhancements to the compliance program for residential mortgage lending to address issues identified from a federal regulatory examination:
• Enhanced business processes and compliance controls to be more effective in mitigating risks.
• Expanded the scope and depth of the compliance testing program.
• Provided expert analysis and guidance on compliance requirements.

Cincinnati, Ohio Area

• Designed and performed the newly created Corporate Compliance Officer position for a $4 billion bank holding company with 13 separately chartered banks operating under the supervision of four federal banking regulators:
• Developed and implemented compliance performance measurement systems that identified, assessed, and mitigated compliance risks.
• Improved compliance reporting to the board of directors and executive management.
• Managed a team of compliance professionals and led other bank personnel with compliance responsibilities.