CHELSEA OLEKA-ONYEWUCHI

San Antonio, TX

210-***-****

acrh3i@r.postjobfree.com

Resourceful, dynamic professional with a broad range of experience in Credit Risk Analysis, Governance & Regulatory Risk Compliance, Risk Operations, Financial Analysis, AML, HMDA, RESPA, TILA, Finance & Accounting, Fraud Mitigation, Underwriting, Training and Sales Management.

•Governance & Regulatory Risk Compliance

Advisor

•Anti Money Laundering

•Risk Compliance Analyst

•Anti -Money Laundering Controls

• Anti-Bribery and Corruption Systems & controls

• Project Management

• Bank Risk Operations

• Risk Analysis & Reporting

• Risk Control Testing, Reporting

• Credit & Risk Analysis

• Commercial Loan Credit Risk Analysis

• Consumer Loan Credit Risk Analysis

•Underwriting

• Risk & Data Analytics

• Credit Risk Modelling

• Risk Metrics

• Risk and Portfolio Management

• Quantitative Analysis

• Audit Reporting Onsite

• Operations Management

• Analytical Research/Reporting

• Revenue Management

• Fraud Analytics

• Loan Review

• Risk Management

• Consumer Sales

• SOX

• FFIEC

• PCI

• OCC

• CFPB

•BSA/AML/OFAC

•FDCPA

•FCRA

•UDAAP

• GLBA

• E-signs

•ADA

• Identity Theft

• FTC Credit Rules

• Regulation E

• Regulation F

• Regulation Z

• Regulation X

• Regulation C

• Regulation M

• Regulation V

• Regulation P

• Regulation B

•OFAC

•FINRA Rules

• SEC Regulations

Technical Skills/Certifications:

• Microsoft Office Suite, SQL and other business related software

• ISTQB BCS Certified Tester: Foundation Level Certificate

• International Software Testing Qualifications Board

Education:

Master of Business Administration (MBA)

Bachelor's degree - Finance

EXPERIENCE:

Business Risk Analyst - Enterprise Strategic Marketing & Operations Planning

Supplier Governance 2015

USAA - San Antonio, TX

Providing insights, briefings, and recommendations to USAA for Supplier performance, relationships, financial and operational risks

Risk Oversight, overseeing 1st line risk functions by ensuring that the Risk Security and Compliance Assessment for each area testing is executed in a timely manner and tracked.

Monitoring third party crisis management activities to ensure a continuity of third party services

Overseeing project initiatives process improvements, efficiency and effectiveness of old and New system platforms

Running a quality health check on the score cards of Service Delivery Evaluators

Implementing Project Initiatives necessary to support base business activities and sustainment projects within USAA Enterprise Strategic Marketing & Operations Planning Department.

Monitoring required trainings of Service Delivery Evaluators

Conducting Activities driven by Regulatory, Compliance or Legal Rationales

Core Execution of recurring activities necessary to execute current base business activities through monitoring service delivery, business controls, testing and learning internal improvement processes.

Governance Regulatory Risk Control Compliance Analyst -OCC & CFPB - 2014 - 2015

USAA - San Antonio, TX

Risk Operations Management Subjects Expert, supports Supplier liaison activities which include the preparation of required documentation from Suppliers and also a debriefing of OCC compliance disclosures and expectations.

Liaising with the company's network of counsel, including its Legal and Bank Compliance teams as required and other administrative staff, while participating with "Centers of Excellence" in the service of global clientele

Suppliers service category determination and an identification of applicable rules and regulations based on their service processes.

Executed tasks associated with client inquiries, client security contracts/addendums, audits, and assessments as required for regulatory and compliance obligations.

Worked with the appropriate Information Security, Office of General Counsel, Risk Management, Audit, and Engagement Leaders to:

oHelped determine scope of onsite visits, audits, and assessments as defined by contracts and regulatory requirements

oRepresented the Information Security, Risk & Compliance team on input to contract requirements relating to information technology and security controls

oProvided approved responses to client inquiries and maintain library of responses

oRecommended and helped develop appropriate information security policies, standards, procedures, checklists, and guidelines using generally-recognized security concepts tailored to meet the requirements of the organization

oMaintained expertise in identifying security risks in the hardware, software, and systems used by the organization

Identified tasks necessary to remediate identified risks and vulnerabilities; identify those within the organization responsible remediation tasks and negotiate dates for remediation to be complete; track progress on remediation of identified risks and vulnerabilities and provide appropriate reporting to all constituents.

Understood technology and operational risks to the Information Technology Services organization as well as related laws, regulations, and industry standards, specifically as related to internal technology solutions; work with others to help promote effective management of identified risks in accordance with the Risk Management program.

Assessed and recommended policies, standards, procedures, controls, and security solutions to assure the confidentiality, integrity, and availability of the information technology environment.

Participate and lead special projects.

Anticipated, guarded, and advised against legal risks involving the company and its areas of business.

Five (5) plus years of progressive roles in conducting and performing data mining exercises, reporting metrics, and producing reports to senior leadership

Strong knowledge of industry trends and best practices

In depth understanding of consumer laws and regulations impacting consumer financial services (e.g. Equal Credit Opportunity Act, Truth in Savings Act, Electronic Funds Transfer Act, Gramm Leach Bliley, Truth-in-Lending, Real Estate Settlement Procedures Act, FACT Act, etc.

Basic understanding of various compliance and regulatory areas (e.g. SOX, PCI and FFIEC)

Familiarity with financial service regulators, including CFPB and OCC

Credit Risk Analyst/Underwriter 2012 to 2014

Wells Fargo & Company - San Antonio, TX

Used credit scoring models, credit bureaus reports, Dunn & Bradstreet reports, trade and bank references for ascertaining the collectability and capacity to repay loans.

Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit.

Performed data mining exercises, reporting metrics, and producing reports to senior leadership.

Spread and analyzed complex business and personal financial statements, projections, cash flow statements and tax returns for credit risk determination on all new requests, renewals and modifications.

Spread and analyzed contingent liability associated with various individuals in order to ascertain the impact upon the principal's global cash flow, their credit risk and their ability to keep their payments current.

Developed methods to determine root causes of credit risk analysis variances. Reviewed, analyzed and monitored the credit worthiness of assigned customer based accounts, as a result recommended credit within established guidelines across entire business member base. Instituted procedures and policies to eliminate systemic causes of errors.

Improved and reduced the credit analysis handling turnover time through an introduction of a team POD arrangement, for fast track loan processing.

Scrutinized financial data such as market share, market trends, income growth, business forecasting, penetration strategies, profitability analysis, pricing and management quality to decide if loans will be lucrative.

Provided ongoing assessment of the credit risk and viability of existing business member accounts through periodic audits, credit file reviews and reading industry specific periodicals.

Provided oversight to the line of business and its risks control ensuring consistency and compliance with risk management framework and policies.

Promoted a culture of strong and consistent credit risk management, facilitate the achievement of strategic risk objectives, desired asset quality and satisfactory ratings from audit and regulatory agencies.

Scrutinized and analyzing credit risk factors across consumer loans, commercial loans, and the auto lending credit life cycle through performance tracking, monitoring and use of data analytics.

Conducted credit risk analysis, portfolio analysis so as to develop credit segments, mitigate credit risks, and comply with set credit policies for all loan approvals.

Responsible for developing and maintaining client data bases by integrating customized behavioral modeling techniques that have been proven to increase customer retention.

Generated financial ratios, using computer programs, to evaluate customers' financial status.

Use of data mining tools for building business, cross selling business, business acquisition and business retention of all associated bank products.

Use of working knowledge of financial analysis, business statistical modeling, econometrics in business forecasting of consumer credit risk analysis and commercial line credit risk analysis

Residential Lending HMDA/TILA/RESPA Compliance Supervisor 2011 - 2012

JP Morgan Chase - San Antonio, TX

1. Developing and maintaining a regulatory TILA, RESPA and HMDA compliance monitoring program which includes correcting and measuring the applicable requirements for compliance with TILA, RESPA, HMDA and other data related fields as assigned.

2. Testing, validation, root cause determination, metric tracking and reporting for mortgage, consumer and small business lending.

3. Developing and maintaining processes to quantify the effectiveness of TILA, RESPA, HMDA compliance function as well as the relative compliance risk level.

4. Acting as a liaison with Corporate Compliance Services in creating an effective reporting process to department managements, executive management, the Audit Committee and/or Board of Directors.

5. Coordinating all development, presentation and implementation of department training related to compliance initiatives of TILA, RESPA, and HMDA which are resulting in new/modified policies, procedures or processes.

6. Effectively engaging business line functional areas to implement department policies, procedures, and controls to noted exceptions, through issues or findings from the HMDA, TILA and RESPA File Review Program.

7. Reconciling HMDA data between the loan origination system and the HMDA LAR system of record.

8. Maintaining general familiarity with compliance laws and regulatory requirements to ensure department initiatives and product offerings are in compliance with applicable requirements.

9. Working with Corporate Compliance to ensure regulatory compliance.

10. Assisting department management to establish effective minimum requirements to meet all State and Federal Banking laws and regulations.

11. Assisting in the development of a department risk management program related to compliance.

Compliance Risk Operations Analyst 2009-2011

JP Morgan Chase - San Antonio, TX

Responsible for analyzing financial statements such as Profit & Loss account of the company budgets, customer accounts and the bank serviced customer account base reports, in order to decipher needed creative data essential for innovative programs that reduce risks and create capital.

Gained strong knowledge of OCC and CFPB supplier management.

Worked in conjunction with compliance and regulatory areas, for Anti Money Laundering, FFIEC, SOX and PCI

Regulatory compliance monitoring and identifying business member financial information to ensure compliance with various loan policies and covenants.

Reviewing and recommending changes based upon the member's financial results which will be used to evaluate the risk inherent in the business loan portfolio. Onsite Audit Reporting.

Compiling report regarding finance and credit data analysis. Anti-Money Laundering

Providing superior member service experience by actively listening to and assessing the needs of the member, identifying and recommending solutions, and referring members to the appropriate person or department.

Reviewed individual or commercial customer files to identify and select delinquent accounts for collection.

Minimized bad debt risk and maximize accounts receivable collections.

Ability to identify compliance gaps and provide recommendations.

Solid knowledge of rules, regulations and statutes regarding the issues of compliance

Balanced risk and compliance needs with business strategies to guide decisions for related process requests

Developed and applied knowledge of systems tools, processes, and business analyst responsibilities and expectations within assigned area to perform daily activities

Sales Banker- Lead Retail Banking Operations 2008 - 2009

Washington Mutual Bank – San Antonio TX

Responsible for driving revenue growth and profitability throughout my assigned territory

Uncovering new business opportunities through inbound and outbound calls for small to medium sized businesses.

Expanded sales and marketing effort into a multi-channel campaign. Developed unique strategies for each target market segment to maximize profit. Established separate distribution channels to accommodate corporate, small/medium business, government, and educational sectors.

Selling bank products like mortgages, auto loans, business credit cards, home equity loans, renters insurance, auto insurance, home insurance and opening checking and savings accounts.

Responsible for duties associated with customer profiling, market segmentation, niche market geographical analysis, and customer retention

Business product end use presentation to clients

Developing and implementing ideas for promotional marketing campaigns. Always involved in all stages of the process, making sure a campaign runs smoothly.

Increasing sales or usage of products and services by providing additional incentives, targeting consumers, channel-marketing partners and a company's own employees.

The use of sales strategies innovation including competitions, samples and coupons, promotions and point-of-sale displays to encourage increased sales.

Surpassed reaching sales goals by having an action plan/schedule, constantly aiming to instill a strong work ethic for the assigned team members to emulate.

Trained my team members on how products and services are used, explaining the history and value of buying them.

Extensive selling of banking products and services to encourage and motivate my team members and show exemplary life in surpassing bench marked targets.

Assisted management in setting up bonuses and incentives for members of my team to keep morale high

Virtual Reader/Scorer 2008

Randstad

Responsible for Testing and Scoring of Educational Testing Exams for California High School Students. Member Services Representative/Personal Banker.

Credit Risk Underwriter /Financial Analyst 2003 to 2005

First National Bank and Trust

Experienced in analyzing credit and financial reports to determine risk involved in loaning money or extending credit. Comparing liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industry segments.

Generating financial ratios, using computer programs to evaluate customer's financial status.

Established and implemented credit risk analysis product training in three locations.

Developed formal credit analysis product knowledge training/seminar programs. Incorporated presentations from industry experts.

Responsible for developing credit risk models for low default portfolios.

Completing loan applications, including credit analyses and summaries of loan requests.

Generating financial ratios, using computer programs, to evaluate customers' financial status.

Analyzed financial information and did business forecasting on economic conditions that affected the business investment.

Analyzing financial information, statistical analysis, reporting skills and informing others.

Used data mining tools for building business, cross selling business, business acquisition and business retention of all associated bank products.

Risk Control Compliance Investigator/Advisor 2002 to 2003

First National Bank and Trust

Responsible for the preparation of risk analyst reports that show the proposed plan of action for existing and potential clients through compiling charts, graphs and other presentations materials.

Communicates with members, non-members and/or external third parties to collect and resolve current, delinquent, and or charged off accounts; document all collection efforts on appropriate system.

Negotiates mutually agreed upon satisfactory payment arrangements and accounts are worked in accordance with operational standards. Scope, execute, and document properly AML/Sanctions compliance tests using appropriate sampling methods and testing processes.

Report suspicious and /or unusual activity as required by anti-money laundering laws, including identification, escalation and monitoring the misuse of money transfers by agents or consumers; this may include utilizing moderately complex open source research techniques.

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