David P. Combs

**** ***** **** ** *******, VA *2031

202-***-****

Summary:

●Experienced and knowledgeable Risk Manager equipped with strategic planning and program leadership abilities honed in the banking and finance sectors. 15+ Years of experience in Risk Management and 10 Years of experience in RCSA (Risk Control Self-Assessment)

●Establishes strong and successful policies to mitigate risk at each level and establish clear procedures for assessments, prevention, and containment. Familiar with regulatory requirements to maintain strict controls.

Skills:

●MS Office Suite, MS Access, SharePoint, TeamMate, Tableau, GRC, AutoAudit, Lotus Notes, File Maker Pro

●Calyx Point, FiServ, Empower (BlackKnight), LoanProspector (LP), Desktop Underwriter (DU,) Countrywide CLUES

●Encompass, MortgageTrac, Quicken/QuickBooks, and RamQuest.

●Analytics Skills

●Operational Efficiency

●Organizational Systems

Professional Experiences:

Navy Federal Credit Union Apr 2021 – Aug 2023

Risk Specialist II

●Conducted comprehensive qualitative and quantitative analysis using a variety of analytical techniques, tools, and models, resulting in a 15% reduction in overall risk exposure year over year.

●Implemented simulations to test various risk scenarios and identify potential vulnerabilities, leading to the development of proactive mitigation strategies that reduced the likelihood of financial losses by 10%.

●Utilized analytical techniques and tools to identify patterns and trends in account transactions, leading to an increase in the detection of suspicious activity.

●Effectively communicated with internal and external customers, providing timely resolution to fraud and security issues while ensuring adherence to company policies, resulting in a quality control rating of 90%.

●Collaborated with cross-functional teams to conduct comprehensive investigations into suspicious activities, leading to the identification and prevention of over $40.5M in fraudulent transactions.

●Developed training program for new employees and consultants to assist in transition from on-boarding to live account status.

Platinum Business Services, Laurel, MD Apr 2020 – Sep 2020

Risk Management Analyst

●Conducted comprehensive review of grant management policies and procedures for large Federal agencies, identifying numerous internal control gaps and assessing risk levels for each.

●Developed RCSA dashboard to measure risk appetite against loss severity and likelihood of loss across agency's risk universe.

●Collaborated with cross-functional teams to develop and implement new control measures, reducing the overall risk rating by an average of 15% across all grants. Monitor corrective deficiencies and validate the effectiveness of operational improvement.

Aitheras, Inc., Washington, DC Jun 2019 – Mar 2020

Senior Consultant/Project Manager

●Authored written enterprise risk policy and procedures with end-to-end project management tools and artifacts for financial consulting firm.

●Designed custom tool to manage individual project budgets for project management framework.

●Designed and implemented RCSA framework for company's clients to align with risk environment.

●Managed budget and manpower allocation of subject matter experts via daily and weekly reporting and tracking.

●Directed subject matter expert project teams representing $20M in contracts.

●Tracked project progress and updates and monitored deliverables, milestones, and issues for accurate reporting.

First American Title Insurance Company, Santa Ana, CA Apr 2017 – Dec 2018

Internal Auditor

●Planned and executed operational audits of company's title insurance agents representing over $100M in risk exposure.

●Performed detailed account reconciliation of title insurance custodial bank accounts reviewing for red flags including unreconciled suspense items and researched suspicious entries for fraud or misrepresentation.

●Reviewed seller/servicer systems of record, processes, policies and procedures and conduct assurance testing to assess the effectiveness of control programs in place.

●Developed and led RCSA training for Internal Audit group to identify control gaps within internal policy and procedure.

Freddie Mac, McLean, VA Mar 2015 – Feb 2016

Credit Manager

●Monitored key performance indicators across Community and Corporate Lending segment (over 2, 000 lenders representing 15% of the company's total risk exposure) under the direction of the Director of Credit.

●Performed deep-dive analysis to determine credit performance drivers.

●Work cross-functionally with sales, management and other departments to maintain effective operations.

Freddie Mac, McLean, VA Apr 2006 – Mar 2015

Senior Examiner

●Conducted on-site operational audits of the corporation's top banks, mortgage companies and mortgage aggregators representing $500M in covered risk to the company.

●Identified control problems/weaknesses throughout all business areas of the counterparty in order to minimize institutional related losses.

●Performed custodial bank account reconciliations to identify differences and detect potential fraud.

●Prepared audit reports for distribution to audited entity, senior management and internal departments.

●Served as liaison between clients and internal departments with resolving outstanding risk issues.

●Led annual RCSA, Governance audit program and Investor Accounting training for staff.

Additional Information:

●Licenses: Maryland Real Estate Agent License 05/21

Education:

●The University of Virginia, Charlottesville, VA, 05/1994, Bachelor of Arts: History

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