Ruth Htut

PO Box ***

Auburn, Wa *****

206-***-****

abihx4@r.postjobfree.com

I have over 25 years experience in auditing of financial institutions

and an additional 4 years of compliance in the treasury and capital

markets area of a financial institution. This has included working

with consumer regulations, SEC, OTS, OCC, Treasury and Federal rules

and regulations.

Experience:

Washington First International Bank/ East West Bank, Audit

Officer

February 2010 to August 2010

Established an audit program for the bank. Involved

documenting various processes, identifying controls or

missing controls, and developing an audit programs to test

compliance with regulatory and operational controls, and Bank

policy and procedures.

Worked with business lines to help establish corrective

action to ensure compliance with regulations and strengthen

the control environment.

WaMu,Treasury and Capital Markets, Compliance Officer

August 2004 to January 29, 2009

. Researched regulations for various business activities

and developed controls to ensure compliance with the

SEC, U.S Treasury, OTS, BSA/AML and OFAC rules and

regulations.

. Duties also included developing and implementing

programs for testing regulatory and operational controls

in place for various processes and flowcharting of work

processes in order to identify and analyze control

points and weaknesses.

. Provided oversight for the secondary marketing of

mortgages, underwriting of securities, funding,

investment portfolio and operational areas supporting

these functions. WaMu self cleared trades. Reviews

included compliance with regulations, internal policies

and procedures and results were reported to senior

management and the Bank's oversight committees.

. Mentored less experienced staff, supervised up to 5

staff, partnered with the business lines to design and

deliver compliance training and answered questions

related to regulatory compliance.

WaMu, Senior Auditor, Internal Audit

February 20, 2001 to August 2004

. Designed and implemented the audit programs for various

functions within the Institutional Broker - Dealer and

the Treasury and Capital Markets areas.

. Audit lead for audit teams that were made up of multiple

disciplines including IT, Financial, and Treasury and

Capital Markets specialists.

. Supervised between 3 and 5 staff members.

. Coordinated with the external auditors in performing

testwork to support the yearend certification and also

the SOX Control testing.

Bank of America, Internal Audit, Senior Auditor

1992 to September 2000

. Responsibilities included reviewing the Municipal

underwriting activities of Seafirst and the retail

broker dealer of Bank of America.

. Developed audit programs to address regulatory and

operational controls.

. Lead teams to perform the audits.

Rainier Bank / Security Pacific Bank, Various

December 1967 to 1992

. Worked various positions in Data Processing and Retail

until 1980.

. In March 1980, joined Audit. Within Audit reviewed

various functions within the bank including

retail/consumer, appraisal, retail broker dealer,

Section 20 company, USAP reviews for mortgage servicing.

Reviews included compliance with regulations related to

consumer lending and FINRA. Trading functions including

operations.

. Investigations of employee fraud or embezzlement.

Software: Proficient in the use of: Word, Excel, PowerPoint and Visio.

Some experience with Lotus 123 and Access.

Education: Yakima Valley community College Yakima, Wa

University of Washington

Seattle, Wa

engineering major

1964 - 1967

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