Trancea H. Roberts, Crcm, Ccbp Email and Phone Number

Responsible for the creation, management, and maintenance of the Bank’s regulatory compliance program including, assessing risk, training, monitoring & testing of controls that mitigate risk, regulatory change management, marketing compliance, and advisory matters for Lending, Retail, third-party FinTech partners, and Baas. Additionally, directly manage Regulatory Change Management, Testing and Monitoring, Complaint Management, Training, and Third-Party Oversight Compliance teams.

As the Compliance officer, I am responsible for the quality, adequacy and the maintenance of the Bank’s Compliance Management System while functioning as an independent and objective body that reviews and evaluate compliance issues/concerns within the organization; as well as identifying, documenting and developing appropriate strategies to mitigate risk factors that could interfere with the Bank’s Standards of Conduct, reputation and business objectives.

As the Compliance Officer, the primary function was to develop, implement and maintain the Bank’s Compliance Management System, including complaint management, compliance policies, and procedures training and, regulatory change management. Scoped, executed and oversaw the compliance testing and monitoring program to assess conformity with regulatory and bank policy. Focused on the applicable regulatory requirements to ensure testing is adequately designed to identify potential control gaps and non-compliance with laws and regulations. The primary point of contact for all regulatory requests and exams. Partnered with stakeholders to mitigate risk and compliance deficiencies and ensured the Board of Directors, management, and employees were fully abreast with applicable federal and state rules and regulations.

As the Director of Regulatory Change Management, I assisted with the overall management of the company’s compliance program by promoting a proactive regulatory change management process and partnering with the stakeholders to maintain a strong culture of enterprise-wide compliance with all applicable state and federal laws, rules, and regulations. The primary responsibilities were capturing and tracking regulatory changes, determining the impact of changes, performing gap analysis, updating the necessary controls or policies, and implementing the changes before the effective date.

As the Compliance officer, I was responsible for the implementation and administration of the Bank Secrecy Act program as well as the Compliance Management System program. As the compliance officer, I oversaw various quality controls reviews and monitoring pertaining to the Bank Secrecy Act, USA Patriot Act, anti-money laundering, OFAC and Customer Identification Program compliance using industry standard and regulatory guidance to ensure the Bank’s compliance efforts are maintained on a daily basis; researched, implemented, and managed the banking rules and regulations, banking policies and procedures, consumer protection, and public interest laws as well as advised, oversaw, and trained the banking staff on compliance.

Assist in the developing, implementing and administering all aspects of the Bank's Compliance Management Program. A key role of this position is to provide comprehensive compliance reviews of business, consumer and mortgage loans, deposit products, record retention, and advertising to ensure compliance with all regulatory requirements and improves the banks CRA program, facilitate and maintain a sound compliance program which includes organizational structure, comprehensive policies and procedures, and adequate monitoring and training.