SUMMARY

• Committee of Sponsoring Organizations of the Treadway Commission (COSO) establishes internal controls that promote efficiency, minimize risks, and help ensure the reliability of financial statements, and comply with laws and regulations.
• COBIT auditing guidelines for IT governance provides the structure that links IT process, IT resources and information to enterprise strategies and objectives.
• Sarbanes Oxley (SOX) 404 Internal Control Evaluations and Reporting Generally Accepted Accounting Principles (GAAP)
• Federal Accounting Standards Advisory Board (FASAB)
• Gramm - Leach-Bliley Act (GLBA)
• Office of the Comptroller of the Currency (OCC)
• Federal Reserve Board Banking and Consumer Regulatory Policies (FRB)
• Federal Deposit Insurance Corporation (FDIC) IT Exams
• Basel II Framework; Basel Committee on Banking Supervision (BCBS 239) strengthen banks' risk data aggregation capabilities and internal risk reporting practices.
• Federal Financial Institutions Examination Council (FFIEC IT Handbooks)

PROFESSIONAL EXPERIENCE

Confidential, Charlotte, NC

IT REGULATORY COMPLIANCE MANAGER

Responsibilities:

• Assist the bank in meeting its objectives by bringing a systematic, disciplined approach to evaluate and improve the effectiveness of risk management, regulatory compliance and data governance processes.
• Conduct information technology compliance risk assessments in conjunction with the bank's Information Security Officer, to perform testing and monitoring in accordance with the Federal Financial Institutions Examination Council (FFIEC) and industry best practices.
• Responding to regulatory requests pertinent to the bank's regulatory programs, specifically for Federal Deposit Insurance Corporation (FDIC) and Federal Reserve Board (FRB) annual examinations.
• Drafting and maintaining information technology resolution planning effort for affiliate services provided to the bank.
• Gramm-Leach-Bliley Act (GLBA) Risk Assessment Reporting - defining the bank's overall approach toward performing and updating their internal information technology risk assessments to attain compliance with GLBA 501(b) guidance; and to ensure the annual reporting of GLBA to both the bank's board of directors and regulatory agencies.
• Collaborate with other departments (e.g., Risk Management, Internal Audit, Compliance, etc.) to direct compliance issues to appropriate existing channels for investigation and resolution.
• Monitor, and as necessary, coordinate compliance activities of other departments to remain abreast of the status of all compliance activities and to identify trends.
• Identify potential areas of information technology compliance vulnerability and risk; develop/implement corrective action plans for resolution of problematic issues, and provides general guidance on how to avoid similar situations in the future.

Confidential, Charlotte, NC

SENIOR IT BASEL II COMPLIANCE LEAD

Responsibilities:

• Significant experience in a large, financial services environment with proven understanding of banking compliance strategies, risk appetite and risk tolerance to achieve regulatory compliance.
• Strong leadership and interpersonal skills; able to engage and influence executive level stakeholders, compliance partners and external regulators to achieve corporate compliance initiatives.
• Development of an effective analysis process to clearly document detailed business requirements and transfer business requirements into functional/technical specifications for the bank's de-centralized lines of business, as well as gap analysis reporting to senior level management.

Confidential, Charlotte, NC

ENTERPRISE REGULATORY CREDIT RISK MANAGER

Responsibilities:

• Deliver subject matter expertise to lines of business to educate project teams on the Basel II framework and the collection of credit risk data.
• Development of regulatory default matrixes for borrower and facility default grades, including Probability of Default (PD),
• Loss Given Default (LGD) and Exposure at Default (EAD) for Basel II quantification requirements.
• Govern the development of risk maps and functional plans for regulatory capital requirements based on the Advanced Internal Ratings-based approach under Basel II.

Confidential, Charlotte, NC

BUSINESS RISK MANAGER

Responsibilities:

• Focus on increasing the efficiency and productivity of data systems by implementing efficient data management practices along with compliance with technology standards to ensure that credit risk data is reliable, re-usable, and traceable.
• Translate regulatory requirements for commercial credit operations into high level technical design specifications.
• Drafting and maintaining policies and procedures relating to bank regulatory requirements, including the development and implementation of information technology control functions.

Confidential, Charlotte, NC

INFORMATION TECHNOLOGY & CREDIT RISK MANAGER

Responsibilities:

• Development of risk assessment procedures to identify and prioritization loan portfolios for internal reviews.
• Identify emerging portfolio level credit quality trends and material deterioration of individual credits through analysis of financial and operational data.
• Coordinate cross-functional reviews to streamline Office of the Comptroller of Currency (OCC) examination requests, wherein multiple lines of businesses are impacted.
• Conduct and manage projects that analyze complex financial data and develop analytical presentations on banking and the financial services industries.
• Develop and oversee appropriate regulatory compliance of credit policies, processes, and systems to meet regulatory expectations.
• Regulatory Calculation for the Allowance for Loan and Lease Loss Reserve (ALLL).
• Development of a risk-based approach for the bank's credit and risk functional areas for process improvement, automation and statistical modeling / analytics.
• Supervise the quality control reviews of economic and banking industry analysis, reports and data systems.