Real Estate Manager

Gary A. Brooks MBA, MA

*** ********* **. . *******, ** 63011 . H: 636-***-**** or C: 314-***-****

. abmspq@r.postjobfree.com

OPERATIONS MANAGEMENT . RISK MANAGEMENT . FINANCIAL MANAGEMENT. COMPLIANCE

Accomplished change manager with proven results in designing processes,

products and practices that deliver competitive benefit, market agility and

growth in highly regulated industries. Expertise in banking, real estate,

compliance, auditing, risk analysis/risk management, finance,

marketing/sales, operations and training. Deadline-focused, comprehensive

planner; adept at identifying critical issues and averting legal exposure.

Proactive, complex problem solver with a passion for facilitating sound

business decisions.

( PROFESSIONAL EXPERIENCE (

FIRSTECH PAYMENT PROCESSING SOLUTIONS, INC., Decatur, IL 2009-2010

Successfully led the physical, operational, and human capital transition of

the Electronic Payments Processing/ACH division of a 25 year old well

established company in Central Illinois to a recently established second

processing location in Clayton, Missouri. Worked in concert with the Vice

President to establish goals, timelines, agendas, project plans, and

resources necessary to accomplish tasks and successful movement of the

department. Reported directly to the President and Vice President.

Manager, Agent Operations

( Worked through existing staff to uncover and formally document age long

departmental processes and procedures.

( Formally established 7 key operational functions within the department

and identified critical and non-critical areas requiring immediate

attention.

( Identified process automation needs within the existing department,

worked closely with MIS/IT to convey existing manual tasks and desired

automated outcomes. Consulted with MIS/IT teams as automation projects

progressed.

( Personally developed, by product, Electronic Payment Process Flow

documentation by working with multiple departments including Research,

MIS/IT, Accounting, ACH, and Lockbox. Worked through the organization to

uncover, understand, and document the movement of Electronic Payments from

origination to settlement and posting. These processes had never

previously been documented nor fully understood in this capacity.

( Sourced, interviewed, recommended, hired, and trained new ACH staff for

new Electronic Payment Processing location.

( Developed and managed Project Plan and Transition Documentation

necessary to move people, processes, equipment, systems, and resources.

( Developed alternate and workaround processes necessary to successfully

operate from a remote location.

( Personally tested systems and processing tasks in both an on-line and

off-line environment to ensure effectiveness, accuracy, and functionality.

( Developed the necessary relationships internal and external to the

organization to successfully facilitate completion of Project Plan tasks.

( Worked through organization's subsidiary bank in order to resolve daily

Electronic Payments Processing/ACH issues as they arose.

( Directed existing staff along with new staff on daily issues, workflow,

processes, procedures, etc.

( Worked with CFO, Accounting, MIS/IT Director and Programmers to address

issues related to daily processing and departmental transition.

( Successfully managed up to 10 staff members with various

responsibilities and duties and ensured cross training where necessary.

BANK ADMINISTRATION INSTITUTE (BAI Learning & Development)

Formerly Bankers Training & Consulting Company, St. Louis, MO & Chicago, IL

2008-2009

Manager, Compliance Products

( Functioned as the business unit's internal financial institution

compliance expert providing regulatory product support both internal and

external to the organization. Fostered a sound working relationship with

the Sales and Customer Care Team to provide education on banking compliance

issues of the day. Ensured the entire business unit's on-line regulatory

compliance products (300+ training courses) were reflective of all current

banking and credit union regulations.

(Experience with all lettered regulations REG B- ECOA, REG C - HMDA, REG D

- SAVINGS, REG E - EFT, REG H - SECURITY, REG J - CHECK COLLECTION, REG 0 -

INSDER LOANS, REG P - PRIVACY, REG Q - INTEREST, REG U - SECUIRITES

LENDING, REG Z - TRUTH IN LENDING, REG AA - UDAP, REG BB - CRA, REG CC -

FUNDS AVAILABILITY, REG DD - TRUTH IN SAVINGS. Experience also with BSA,

AML, OFAC, PATRIOT ACT, FINCEN, CIP, CHECK -21, FCRA, AND ALL FEDERAL

REGULATORS: FED, FDIC, OTS, OCC, TREASURY, FTC

( Successfully reviewed 300+ online bank and credit union training and CE

courses in order to add enhanced content to course material in which I

included both Key Points and Mitigating Risk Factors.

( Oversaw, reviewed, and revised contracted 3rd party work which assisted

in creating new and revised bank and credit union training and CE

courseware and learning material for all 300+ training courses to accompany

a system wide course conversion and enhancement project.

( Created a customized course product offering which outlined required

regulatory training and CE courses for bank and credit union employees

broken down by employee functional duties as well as subject matter.

( Oversaw development, administration, accuracy, and maintenance of on-

line web based customer access only Compliance Center. Developed hundreds

of resources, materials, e-documents, and references to all federal

regulators regarding proposed and enacted banking regulation, also

developed and authored regular blog on banking and economic issues and

developed regular news feeds.

( Supervised, reviewed, and revised work from 3rd party external

compliance consultants engaged for special projects including course

audits, content enhancements, and content corrections - ensured that such

work was necessary, timely, and relevant where appropriate.

( Successfully worked with other business units to identify leading

product development areas surrounding banking and credit union compliance

and worked to help secure subject matter experts to present relevant

webinars and speaking engagements on pressing industry matters.

AMERICAN EQUITY MORTGAGE, INC., St. Louis, MO 2005-2007

Manager, Policy & Compliance

Established centralized compliance function and uniform, nationwide

policies and procedures for the organization. Successfully managed up to

10 employees within various departments and functions. Chaired Policy &

Compliance Committee comprising senior managers, executives and owner;

advised on legal, compliance, documentation, loan type and disclosure

issues. Raised awareness of potential conflicts of interest, risk and

compliance issues awaiting business decisions.

( Directed Policy & Compliance, Licensing & CE, Loss Mitigation and

Quality Assurance Departments (and associated budgets) for national

mortgage lender generating up to $100 million in annual revenue from

operations in 43 states.

( Worked in accord with in-house counsel to fulfill diverse compliance

mandates and minimize legal exposure in the millions of dollars.

( Performed regulatory due diligence on loan repurchase requests and

refuted investor findings resulting in millions of dollars in savings.

( Oversaw state licensing and CE requirements of loan officers and branch

offices resulting in increased revenue and earnings for the company.

( Coordinated/managed branch audits internally and externally (including

state bank examiners, departments of banking and attorney generals'

offices). Responded to regulators' written requests; explained

discrepancies and negotiated settlements. Significantly mitigated losses.

( Successfully drafted and customized lending policies, loan documentation

and disclosures to conform to constantly changing statutes and regulations

in 43 states resulting in increased loan originations, revenue, and

earnings.

( Collaborated with IS management to develop, test, roll out and implement

lending policies, operational processes, business-unit decisions and

documents (customized to state regulations) enterprise wide resulting in

increased compliance, e-document storage, and increased accessibility.

( Created and implemented compliance/regulatory matrix providing legal

guidance for marketing and advertising programs executed through direct

mail and multimedia channels throughout local and regional markets

nationwide. Approved ad copy and advised on corrective actions resulting in

mitigating or eliminating potential losses in the millions of dollars due

to non-compliance with Federal Trade Commission (FTC) mandates.

( Successfully designed and administered a multi-state nationwide "Do Not

Call/Contact" database, resulting in avoidance of prohibitive penalties

upwards of millions of dollars and unwanted publicity for noncompliance for

the organization.

( Collaborated with third party vendor to refine the Home Mortgage

Disclosure Act (HMDA) reporting process. Audited and refined 700-page

reports for annual HMDA submission avoiding potential huge fines for non-

compliance or erroneous data.

( Handled all compliance inquiries and resolutions both internally and

externally with 3rd party service providers dealing with all applicable

lending regulations and others to include REG B- ECOA, REG C - HMDA, REG P

- PRIVACY, REG Z - TRUTH IN LENDING, OFAC, FINCEN, CIP, CHECK -21, FCRA,

PATRIOT ACT, BSA, AML, DECEPTIVE ADVERTISING, ETC.

TRUMAN BANK/TRUMAN MORTGAGE, St. Louis, MO 2002-2004

Compliance & Loan Review Officer/Mortgage Consultant

Established formal compliance function for community bank with 2 branches,

$500 million in assets and no internal audit or compliance process in

place. Served as chief resource on compliance, operational and audit

issues; implemented directives across all operational areas. Reported to

President and Board of Directors.

( Established formal loan review process to minimize risk exposure and

loss.

( Conducted random and targeted internal audits (to include development

and design of internal BSA audit of compliance, security audit, CIP audit,

disaster recovery audit, etc.) of banking operations and commercial loan

department; managed bank examinations and responded to formal regulatory

inquiries. Identified trouble areas and worked with managers to take

corrective actions and mitigate risk or potential loss.

( Worked closely with Vice-President Operations to avert risk/loss from

money laundering, counterfeiting and other potentially fraudulent

activities, resulting in savings for the bank from losses in the millions

of dollars.

( Coordinated with outside legal counsel on matters pertinent to customers

and accounts resulting in mitigating potential losses to the bank.

( Participated in establishing, developing, and deploying formal training

for bank personnel required for compliance with federal regulations.

( Internal subject matter expert pertaining to all lettered regulations:

REG B- ECOA, REG C - HMDA, REG D - SAVINGS, REG E - EFT, REG H - SECURITY,

REG J - CHECK COLLECTION, REG 0 - INSDER LOANS, REG P - PRIVACY, REG Q -

INTEREST, REG U - SECUIRITES LENDING, REG Z - TRUTH IN LENDING, REG AA -

UDAP, REG BB - CRA, REG CC - FUNDS AVAILABILITY, REG DD - TRUTH IN SAVINGS.

Experience also with BSA, AML, OFAC, PATRIOT ACT, FINCEN, CIP, CHECK -21,

FCRA, AND ALL FEDERAL REGULATORS: FED, FDIC, OTS, OCC, TREASURY, FTC, ETC.

( Analyzed applicants' creditworthiness, originated mortgage loans,

oversaw document processing through loan closing.

E. ROBB, INC., St. Louis, MO 2001-2002; BLAKE & DAVIS REALTORS, St.

Louis, MO 1999-2001

General Manager/Broker-Salesperson (2001-2002); Operations Manager (1999-

2001)

Co-managed $30 million residential real estate practice with "Top 10" St.

Louis listing agent. Previously managed large residential real estate

practice with 3 offices, 130 licensed agents, 15 support personnel and

$200 million in annual sales.

MISSOURI REAL ESTATE COMMISSION, St. Louis, MO; Jefferson City, MO 1995-

1999

Real Estate Examiner/Auditor

Audited residential and commercial brokers, property management firms,

investors and land developers. Examined contracts, transactions, management

agreements and leases; reconciled bank, escrow and trust accounts. Reviewed

and analyzed financial statements, evaluated business practices and

conducted interviews. Documented violations and generated reports

identifying alleged violations. Delivered presentations on real estate

regulations to community groups. Independently scheduled audit frequency

and activities; worked with minimal supervision.

( LEADERSHIP/AFFILIATIONS (

Missouri Association of Realtors: Board of Directors 1999-2002, St. Louis

Association of Realtors: Contracts & Forms Committee; Grievance Committee

1999-2002, Midwest Financial Fraud Investigators Consortium

( EDUCATION & PROFESSIONAL TRAINING (

M.B.A., "Distinguished Graduate," summa cum laude, 1999, Webster

University, St. Louis, MO

M.A., Real Estate Management, "Distinguished Graduate," summa cum laude,

1998, Webster University, St. Louis, MO

B.S., Human Environmental Science, Focus: Personal Finance, University of

Missouri-Columbia, 1994

Certified Community Bank Internal Auditor; Certified Community Bank

Compliance Officer

Missouri Real Estate Broker; Missouri Life/Health Insurance Agent; (former)

NASD 6 & 63 Licenses

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