Gina Gioia (Joya)

***** ******** ****** 904-***-**** (h)

Fort Myers, Florida 33913 abnrbd@r.postjobfree.com

PROFILE

Demonstrated success in guiding complex

Regulatory/Business Acumen

projects from design to implementation.

Adapable; flexible; quick study

Possesses creative strategic vision, end to

Certified Anti –Money Laundering Professional (CAMS)

end process design; over 12 years

Six Sigma Green Belt Certified

experience negotiating legal/ regulatory

Excellent verbal, written and presentation

environment

skills in global business environment

Ability to travel

Strong analytical skills; results oriented

CAREER ACCOMPLISHMENTS

Panther Community Bank, N.A.

Lehigh Acres, Florida

Compliance/Bank Secrecy (BSA) Act Officer

Panther Community Bank, N.A. (2007 – December 2008)

• Demonstrated substantive knowledge of regulatory requirements by developing a regulatory governance infrastructure

approved by the Office of the Comptroller of the Currency (OCC) necessary in obtaining a De Novo bank’s national

charter as a financial institution. Board designated Compliance, BSA, CRA, Privacy, Information Security and Bank

Security Officer.

• Ensured Office of Comptroller of Currency (OCC) regulatory requirements were satisfied prior to receiving bank

charter by conducting gap analysis of FFIEC requirements for all aspects of Compliance, BSA, Information Security,

Privacy, Business Continuity, Disaster Recovery/Pandemic Planning, vendor management, new product risk analysis,

corporate governance/risk assessment and continued assessment for pre-opening, 6-month and annual OCC exam.

• Designed end-to-end corporate governance processes to involve all stakeholders in the design, re-design, approval and

implementation of new products, advertising/marketing and drafting of policy and procedures. Responsibilities

include vetting items through internal audit, audit committee, board and OCC for final approval.

• Created ongoing collaborative partnership with operations to integrate regulatory requirements into day-to-day

business function, thus developing both a compliant and efficient business process. Developed initial

policy/procedures for the start –up, design, maintenance, implementation, monitoring, training and reporting of De

Novo bank and its comprehensive Regulatory Compliance Program to include all applicable federal regulations.

• Ability to decipher and adhere to agency guidelines promotes working directly with operations, executive

management, board, internal and external auditors as well as regulatory examiners in identifying and reporting

compliance findings, conclusions and recommendations for corrective action.

• Identify relevant stakeholders in marketing, new product development and special projects by conducting risk

assessments, developing risk mitigation protocol and conducting comprehensive compliance review prior to

consumer/commercial release.

• Prepared Request for Proposal (RFP) hiring internal auditors responsible for annual review of each regulatory

component. OCC requirements included initial development of necessary regulatory risk assessments, policies,

procedures, training and reporting prior to issuance of bank charter. Established ongoing collaborative relationship

with OCC in the completion of pre-charter, post charter and exam requirements.

• Ensures daily compliance with all applicable compliance regulations and Anti - Money Laundering regulations to

include monitoring and reporting of suspicious activity, currency transaction reporting and 314a reporting.

NetBank, Inc.,

Jacksonville, Florida

Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Compliance Program Manager

NetBank, Inc., Corporate Compliance (2006- 2007)

(Taken over by FDIC)

• Successfully completed 45-point BSA action plan implemented by the Office of Thrift Supervision (OTS) dispersed

among eight lines of business. Conducted business line gap analysis utilizing project management processes,

developed solutions and implemented comprehensive plan to exceed OTS expectations in both timing and content.

• Designed BSA/AML Compliance Program including development of policy, procedures, training, internal controls,

monitoring, measurement and reporting as well as direct corrective actions in response to identified deficiencies.

Enterprise includes conforming/ non conforming mortgage lending, indirect/direct vehicle and specialty product

lending, an internet bank, payment processing operation, independent ATM sales and small business lending.

• Interaction with regulators both proactively and as required through normal exam process. Designed and developed

technology solutions as necessary to ensure compliance with applicable BSA/AML laws and regulations. Created

quarterly reporting and updates to Senior Risk Management, Management Operating Committee and Board of

Directors on a regular basis communicating the health of the organization’s BSA/AML program. Collaboratively

worked with and supported business and process owners and other members of senior management team including

cross functional support partners in the management of BSA/AML compliance

Bank of America

Jacksonville, Florida (1994-2006)

Vice President, Senior Compliance Manager

Global Anti- Money Laundering Compliance

Design, review and development of compliance measurements and monitoring for more than five lines of businesses

including responsibility for analyzing findings, formulating recommendations and communicating issues necessitating

the facilitation and ongoing development and implementation of strategies and tools (such as KYC monitoring and

tracking system) ensuring compliance with anti-money laundering and anti-terrorism procedures applicable to lines of

businesses supported.

Leads internal review processes involving technology, operational procedures, training and monitoring mechanisms

against applicable regulatory requirements, assessing resource levels, creating presentations and recommending

enhancements to line of business Senior Management, Audit, Global AML Compliance and Executive Management

as necessary. Additional responsibilities include creation of:

Control Plans Program design presentation

o o

Design of transaction monitoring Technology Design

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Benchmarking Dashboard/Scorecards

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Executive summaries Risk Assessments

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Report presentation Reporting

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Created and drove development of business requirements for enterprise wide Customer Identification Project serving

as process owner from inception to implemenation. CIP Project emanating as a “just do it “, from Design For Six

Sigma project around Non Resident Aliens. Project involved front –end account opening system re-design

responsible for incorporating systematic capture and “poke yoke” of USA PATRIOT Act and BSA requirements for

all deposit customers, ensuring proper capture of Know Your Customer data prior to account opening. Designed

extensive reporting and control plan to measure systematic and regulatory defects. Project involved over million

development hours, 79 systems and achieved 70 % reduction in defects.

Award winning leader in the design of business requirements, testing, implementation and reporting of non resident

alien enhanced due diligence program, money services business and non resident alien control center and financial

intelligence unit created ensuring adherence to anti money laundering regulations and procedures.

Process Design Consultant

Dealer Financial Services, Auto Group, Compliance

Bank of America

Conducted research necessary to develop Privacy Information Security Program. Analyze findings to create and

implement Information Security Program supporting the Bank’s privacy policy and federal regulations.

Developing and implementing Compliance Monitoring Program for Auto Group marketing, advertising and website

products. Evaluating and approving new products, advertising and potential alliance partnerships in order to formulate

recommendations and communicate issues to line of business management and business partners. Identify,

communicate and escalate potential risk items.

Coordination with Legal, Corporate Compliance, Audit and Information Security partners for the on-going support of

e-commerce strategy, marketing and advertising projects. Primary contact in the identification, training and resolution

of consumer privacy issues.

Process Design Consultant

Consumer Finance Group, Marketing/E-Commerce

Bank of America

Supported all business lines within the Consumer Finance Group (CFG) to include EquiCredit, Auto, Specialty and

Manufactured Housing Groups. Developed Privacy Compliance Program by creating policy and procedures,

developing monitoring program, implementing corrective action and providing training as necessary. Responsible for

investigation and completion of Corporate Privacy certification for CFG.

Marketing representative for Corporate Privacy task force. Responsible for evaluating and reviewing Marketing /E-

Commerce new products, e-commerce partners/websites and advertising campaigns to ensure compliance with federal

regulations and corporate privacy initiatives.

Key player in strategic development, resource planning, and assessment of best practices. Collaborated with business

partners to communication strategies and resolve issues. Built awareness and educated group on

legal/compliance/privacy issues in order to support ongoing CFG strategies.

Project Manager for User Acceptance testing of Dealer Portal Project. Responsibilities included coordination and

documentation of test scripts, training, leading weekly meetings, reporting findings and problem resolution. Provided

excellent customer experience by organizing and conducting user testing to determine potential system issues and

implementing corrective action prior to program launch date. Project enabling customer’s electronic access in

processing and viewing floor plan inventory as well as enhancing communication on all available products and

services available through Bank of America channels.

Compliance Officer

Consumer Finance Group (CFG), Compliance

NationsBank (merger became Bank of America)

Primarily responsible for conducting Privacy Assessment for CFG (consisting of four business lines) and identifying

opportunities in meeting Privacy regulation requirements. Involvement included implementation of strategies ensuring

CFG compliance in accordance with corporate privacy polices and federal regulations; identified communicated and

escalated potential risk issues as necessary.

Legal/Compliance Liaison

Dealer Financial Services, Auto Group, NationsBank

Auto Group liaison between the Legal and Compliance departments. Responsible for leveraging relationships with

senior management to design and implement new contracts, fee iniatives, products and programs. Supported

Corporate Compliance in compliance measuring and monitoring of Auto Group processes and products.

Evaluated changes in industry practices and legal/regulatory requirements to ensure timely and appropriate action was

taken. Effectively communicated requirements to senior management; implemented action plan. Drafted new contract

terms as necessary.

Paralegal - Defensive Litigation

Corporate Legal Department, Barnett Bank Inc.

(Barnett merged to become NationsBank)

• Critical team partner in design and implementation of Corporate Legal’s Case Management Program, LawPack.

Program transcended paper intense process into an efficient electronic environment. Team of over thirteen attorney’s

increased productivity by over 20% within first 90 days due to electronic desktop case file retrieval; including updated

case history, practice disciplines, extensive reporting, tracking and risk assessment capabilities

• Designed, created and maintained research database for Barnett Bank’s Corporate Legal Department, alleviating

duplicative research and reducing outside counsel expenses. Negotiated and managed Lexis/Nexis contract for 10

Barnett Bank departments consisting of 150 users. The successful implementation resulted in reducing research

expenses by 30% within first six months

Managed heavy defensive litigation caseload for Barnett Bank’s Corporate Legal Department, including bank

operations and personal injury matters; responsibilities include retaining outside counsel, negotiating fee

arrangements, strategic planning, handling discovery requests, drafting settlement agreements; releases and

indemnification, participating in mediation and settlement conferences on behalf of clients, trend spotting, reviewing

legal expenses and RFP (request for proposals) preparation.

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EDUCATION AND PROFESSIONAL DEVELOPMENT

America Bankers Association – National Consumer Deposit and Lending Compliance School

CAMS Certification – Internationally recogonized Anti - Money Laundering Certification

ACAMS member – Association of Certified Consumer Lending Compliance School

University of West Florida - Pre-Law/Political Science, B.A.

Okaloosa/Walton Community College - Paralegal Certificate

Concord Leadership Conference - Nationally recognized Leadership Development Program

COMMUNITY INVOLVEMENT

Kiwanis member

Coordinator, Guardian Ad Litem Program, State of Florida

Volunteer Services, Habitat for Humanity

Instructor, state mandated domestic violence program, State of Florida

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