You are on page 1of 3



Cell: 410-916-1297 E-mail:

Multifunctional Audit and Compliance professional, proven leader with industry e xpertise in Consumer Finance, Federal and State Banking regulations, Risk and Bu siness Monitoring and Lending and Asset Management. Consecutively promoted to po sitions of leadership and authority. Strong employment history and work ethic al ong with excellent management and communication skills. Successfully led diverse teams toward common goals while mentoring individuals into challenging cross-or ganizational roles. Background is supplemented with Management and Training Deve lopment. AREAS OF PROFESSIONAL EXPERIENCE Auditing and Accounting Procedures Internal Fraud Detection and Investigations Discovery of Distortion/Manipulation of Company Assets Anti Money Laundering Federal and State Banking Regulations Risk and Business Monitoring HMDA, Fair Lending, Privacy Screening TILA, RESPA, Regulation B, K Lending and Asset Management Conflict Resolution Skills Facilitation Skills Individual and Group Training Personnel Recruitment, Hiring and Training Strategic Sales and Marketing Employee Development and Mentoring PROFESSIONAL EXPERIENCE Thompson, Cobb, Bazilio & Associates (TCBA)/FDIC, Washington DC Investigations Manager April 2010 -Present * Responsible for developing information that can be analyzed and used in the in vestigation of professional liability claims and for researching and obtaining m aterials necessary for criminal prosecution. * Collection and review of pertinent information for specific people and compani es to support findings of the investigation. * Review of Policy and Procedure, Bank Records, Employee Files, Lending Guidelin es to obtain supporting documentation for liability claims and criminal prosecut ion. * Posses FDIC government Clearance Citigroup (Citifinancial) - Consumer Finance North America, Baltimore, MD A global financial services company. Auditing and Compliance Branch Auditor/Examiner July 2001- Jan 2009 * Completed over 723 independent detailed branch audits to insure defined contro ls were in place to protect the company's assets, and insure compliance with all State and Federal Regulations. Investigated fraud, misappropriation of funds, e mployee and identity theft, deceptive and fraudulent business practices. Conduct ed in person audits of loan closings with Ancillary Insurance Sales to ensure co mpliance with State and Federal Regulations. Prepared clear and concise internal documentation and audit reports. Completed written work papers for nine active projects required to be executed during each audit. Individual work papers docum

ent all scopes of work reviewed, principles, methods and practices used to apply the management concepts outlined in the audit program. Supported all exceptions to the audit program with documentation of the exception identified in the audi t scopes outlined in the program. Corrective actions are taken for exceptions no ted in the audit. * Performed Risk Monitoring, analyzed loan documents, verification of ability to pay calculations, loans practices in accordance with Federal and State lending guidelines, verification of RESPA documentation requirements, TILA and HMDA. * Participated in all aspects of assessments in accordance with Audit and Risk R eview standards and government and regulatory statues incorporating use of the r isk assessment techniques and accounting principles. Demonstrated an understandi ng of the importance of an integrated audit approach, while working with busines ses in evaluating and strengthening their self-assessment programs. Continually assigned as Go to Person for policy and procedures and State and Federal Banking Regulations. * Communicated the results of the audit review to all levels of management durin g the formal audit closing. Updates on the audit findings were delivered by oral presentations and in written reports at the end of each business day. Developed highly effective conflict resolution skills. * Assisted in evaluating and approval of the Corrective Action Plan issued on al l audits for the United States and Canada. Prepared weekly reports for senior ma nagement on the status of pending and delinquent Corrective Action Plans. Instru cted and supported senior field management in all requirements and completion of the Corrective Action Plan. Maintained the data base for tracking all submitted and completed Corrective Action Plans. * Accountable for maintaining the on time completion of the audit schedule, trav el arrangements and expense budget Regional Training Manager April 1998 to July 2001

* Administered the management of all company training programs for employee deve lopment in all skills needed for individual job responsibilities and career adva ncement in 4 states. Continually assigned as Go to Person for policy and procedu res, State and Federal Banking Regulations, Recruiting, Interviewing and facilit ation skills. * Managed the training of 137 branches, 413 employees in four states. Dissecting branch reports to generate higher sales, profit and compliance in areas identif ied as poor performing. * Arranged and facilitated all Management Skills and Leadership Workshops for th e District and Branch Management teams. Coordinated, scheduled and facilitated c orporate training workshops for Mentoring, Coaching, Sales and Interviewing Prac tices for branch employees. Conducted branch training workshops in a group as la rge as 500 and as small as 10 as well as in an individual training for poor perf ormance. * Prepared and submitted employee reviews for promotion and bonus recommendation s. Developed practical and realistic individual career training plans for all br anch positions. * Worked directly with senior management to promote company success through empl oyee development. Conducted training and exit interviews for employees not achie ving their employment goals. Scheduled and conducted Job Fairs and Career Days f or recruitment purposes. Presented monthly updates to management advising of all open positions, recruitment activities and the training status of all employees . * Accountable for maintaining the on time completion of the training schedule, t ravel arrangements and expense budget. * Developed highly effective conflict resolution skills. Credit Analyst 7 to April 1998 April 199

* Achievements included the review of exceptions to policy loan application requ ests from the branch network for all states to determine credit worthiness, enfo rced lending policy and state and federal requirements. * Authorized credit approvals up to $500,000. * Evaluated accuracy of business and personal tax returns to prove acceptable in come as stated on loan applications. * Approved Deferments, Adjustment of Terms and Renewal of Balance Only exception s to policy delinquency programs which were submitted by the branch network for all states to determine if appropriate and to detect deceptive sales or business practices. Branch Manager November 1989 to April 1997

* Managed a $17 million dollar portfolio to insure profitability for the company . Developed and implemented budget and expense guidelines to enforce profitabili ty. Organized employee activities to generate consistent growth and profit year over year. * Accountable for all consumer lending with a credit approval limit of $150,000. * Consistently ranked for performance in the top 10% of the company six out of s even consecutive years. Achieved excellent company standard ratings on Audit and Compliance with all company, State and Federal Regulations. Exceeded all compan y standards and goals for Lending, Asset Management and Ancillary Insurance sale s. * Trained and developed staff for the branch as well as supported training for n ew employees within the district. Promoted 4 employees to management positions. Utilized as the Go to Person for cash administration, employee issues and policy and procedures in two different districts. Manufactures Hanover, Springfield, PA Consumer Financial Services Assistant Branch Manager 989

July 1986 to November 1

* Supported the Branch Manager in achieving company-set goals in growing and mai ntaining the portfolio of business, growth, profit and ancillary insurance sales . * Reviewed and maintained collection standards according to company policies. * Assisted Branch Manager to remain in compliance with State and Federal regulat ions. Education Cardinal O'Hara High School Harvard Management Courses Regulatory University Courses STRONG REFERENCES - GLADLY PROVIDED