Jeffrey DeLoach

**** ***** ******* ***** ( Spanish Fork, Utah 84660 ( 801-472-

**** ab88ke@r.postjobfree.com

Auditing professional with 13 years of experience in internal auditing and

branch management; proven ability to accomplish high volume of work in fast-

paced, deadline-driven environments.

SUMMARY OF QUALIFICATIONS

. B.A. DEGREE

. Currently pursuing: Certified Fraud Examiner designation

. Areas of Expertise:

Financial services Internal fraud Branch management

operations investigation (lending office)

Development and evaluation Staff development Supervision

of internal controls Regulatory compliance

. Strong skills in communicating complex financial data in understandable

terms, managing multiple priorities, and building productive

interpersonal relationships; self-motivated, analytical, focused on

detail.

. Eagle Scout and recipient of the Vigil Honor Award

. Computer Proficiencies: Microsoft Excel, Word, PowerPoint, and Outlook

(Expert level)

Professional Experience

WESTERN SHAMROCK CORPORATION / SAN ANGELO, TEXAS FEBRUARY 2013 - PRESENT

Consumer lending organization that offers loans ranging from $100 to $5000;

services include making secured and unsecured loans, tax preparation

services, and consumer merchandise sales. 300 locations in 10 states.

Internal Auditor February 2013 - Present

. One of Three Internal Auditors responsible for conducting annual audits

of branch loan offices in all states the company operates in.

. Assisted in developing Internal Audit processes in recently acquired

branches in South Carolina.

. Assisted in developing and modernizing the Internal Audit processes for

the Internal Audit Department writ large.

security finance corporation / Spartanburg, South Carolina May 1999 -

January 2013

Consumer lending organization that offers loans ranging from $100 to $5000;

more than one million accounts with annual profits of over $100 million and

a general ledger of $1+ billion; 1,100 locations in 18 states.

Senior Internal Auditor (promoted from Internal Auditor March 2011) April

2001-January 2013

. One of 15 internal auditors responsible for conducting bi-annual audits

of 75-85 branch loan offices in four western states (Utah, Idaho,

Northern New Mexico, and Nevada).

. Perform 160 or more internal audits per year of branches' compliance with

state and federal regulations, internal policies, standard procedures,

and fraud controls.

. Analyze audit results to evaluate effectiveness of corporate financial

control systems in branch operations.

. Conduct investigations of internal fraud activities, such as identity

theft by employees or customers, manipulation of figures by supervisors,

or theft of company funds or property; developed and maintain Internal

Fraud Library to provide resource documentation of Audit Department

internal investigations.

. Prepare formal, detailed written audit reports for review by corporate

officers and senior supervisory personnel (including escalation of

significant issues to state vice presidents and compliance director);

present audit findings in-person to branch personnel.

. Assist with training newly-assigned auditors, as well as new branch

supervisors.

Branch Manager January 2000-April 2001

. Managed operations in a branch loan office with about 1,100 accounts and

more than $500,000 in the general ledger; supervised a team of three

assistant managers.

. Maintained high degree of compliance with company policies and regulatory

requirements governing the financial services industry, as evidenced by

consistently achieving Above Average ratings on bi-annual branch audits;

monitored associates' interactions with customers and provided additional

training or coaching, as needed.

. Engaged in activities that promoted the branch and its services,

including in-branch marketing and participating in selected charitable

fundraisers - regularly met or exceeded monthly loan volume targets.

. Originated an average of $1.5 million in consumer loans per year - earned

Account Gain Award for the year 2000.

. Diplomatically addressed customer concerns and resolved discrepancies in

accounts or shortages in the teller area.

Assistant Branch Manager May 1999-January 2000

. Assisted branch manager with oversight of branch operations and

supervision of staff.

. Built strong knowledge base of lending procedures, company policies,

security, and lending regulations, such as the Fair Credit and Reporting

Act, Truth in Lending Act, and the Fair Debt Collection and Practices

Act.

. Maintained average loan delinquency rate of 94%, well below the company's

established state standards.

Education And Training

ARMSTRONG ATLANTIC STATE UNIVERSITY SAVANNAH, GEORGIA

bachelor of arts Major: Political Science

Graduated Magna Cum Laude ? Minor: Economics

Professional Development

Learn.com (online continuing education):

Violence in the Workplace (2009) Presentation Skills (2009)

Effective Negotiation (2009) Interpersonal Behavior Patterns (2)

Effective Change Management (2009) (2009)

Managing the Global Supply Chain (2009) Identity Theft Prevention Program

(2008)

Active Listening (2008)

PROFESSIONAL AFFILIATIONS

ASSOCIATION OF CERTIFIED FRAUD EXAMINERS - MARCH 2012-PRESENT

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