Tony Muhlbauer, Crcm Email & Phone Number

Los Angeles, California

Greater Minneapolis-St. Paul Area

- Assist with oversight of the third party risk management program, with specific focus on risk identification, ongoing management, and quality control.- Analyze proposed new third parties for operational risks.- Coordinate business unit projects and initiatives related to third party relationships.- Ensure third parties follow third party risk management standards , including reporting and performance requirement.- Engage business line stakeholders to understand, manage, and address operational issues related to third party risk management.- Establish ongoing risk management and annual due diligence requirements for third parties managed outside standard corporate requirements.- Provide support to projects and initiatives outside third party risk management.- Prepare risk committee material related to third party risk management.- Conduct quality review of third party records to ensure accuracy and consistency.

Greater Minneapolis-St. Paul Area

- Developed, designed, and analyzed an Operational Risk Framework at Wells Fargo Home Lending.- Provided strategic guidance around Operational Risk management to ensure alignment with Enterprise expectations.- Collaborated with other teams in Wells Fargo Home Lending to gain consensus and buy-in on the Operational Risk Framework.- Identified, developed, and enhanced processes and tools for the business to leverage during the Operational Risk assessment process.- Coordinated Operational Risk Framework efforts between Wells Fargo Home Lending and Consumer Credit Solutions.- Developed a risk assessment for Operational Risk, including definition of critical elements to the assessment and methodology for how those elements would be assessed.- Developed, designed, and implemented a High Risk Review process as a component of the Operational Risk Framework.- Drove continuous improvement and incorporated enhancements to the methodology based on Enterprise best practices and pilot findings.- Identified, developed, and enhanced processes and tools to carry out the High Risk Review process- Provided strategic input into selection of the High Risk Review team, team structure, roles and responsibilities, and team member performance.

Greater Minneapolis-St. Paul Area

- Successfully designed, developed and maintained monitoring programs for various Pricing initiatives.- Acted as relationship manager for the Home Equity Pricing team, provided compliance and operational risk expertise for Pricing related projects and initiatives.- Served as member of Home Equity Fair & Responsible Lending team, with focus on Benefit to Borrower compliance and the Pricing Exception process.- Partnered with Law Department, business leaders, information technology and other Wells Fargo compliance professionals.- Acted as relationship manager for the Lot Loans team, identified and mitigated regulatory and operational risk and effectively managed change to ensure regulatory compliance.- Supported High Cost Lending regulations, acted as Subject Matter Expert and ensured Home Equity High Cost lending compliance.

Greater Minneapolis-St. Paul Area

- Provided compliance change management expertise to Wells Fargo Financial for high risk projects, initiatives, and regulatory changes.- Developed preventive controls and implemented processes and procedures that effectively managed risks associated with change.- Performed risk assessments to identify, assess, and mitigate regulatory and operational risk.- Evaluated new or enhanced products, processes, and procedures for regulatory compliance and operational risk issues.- Prepared and reviewed policies, procedures, and training material to ensure projects and initiatives met and maintained compliance requirements.- Conducted user acceptance testing and post implementation testing to verify accuracy of outputs and appropriateness of controls.- Reviewed project documentation (i.e. project charter, process maps, requirements documents, issue logs, etc.) to detect and discourage violations and deficiencies.- Partnered with business leaders, project management offices, Legal, regulatory change management offices, and information technology personnel.- Developed, mentored, and trained new employees; acted as manager by assigning projects, providing performance feedback.

Des Moines, Iowa Area

- Designed and developed testing scope and strategies to ensure compliance with applicable regulations and company policy.- Performed associated compliance testing and reported formal testing results to Centralized Business Unit management, as well as Compliance management.- Partnered with Centralized Business Units to resolve compliance issues and implement action plans to address identified deficiencies.- Evaluated new or enhanced processes and procedures for compliance issues.- Led team during compliance reviews, provided direction and clarification for a team of up to 15 Compliance Analysts.- Managed one direct report, which included performance reviews, time allocation.

Iowa City, Iowa Area

- Led Safety and Soundness Examinations of state-chartered banks.- Performed duties as Examiner-In-Charge and Operations Manager, analyzing financial and credit information to assign CAMELS component ratings.- Reviewed risk management systems, internal routines/controls, and compliance with statutory regulations.- Analyzed commercial, agricultural, real estate, and consumer credit files for cash flow deficiencies, possible low quality asset classification and documentation exceptions.- Prepared a written summary of regulatory findings which accurately reflects the financial condition and risk profile of the institution under examination, and communicated conclusions to management.- Trained and mentored new employees, and acted as manager by assigning tasks.