Management Quality Control

Ani Toroian *** South Myers St., Burbank, CA *****

Email:**********@*****.*** Phone: 818-***-****

Decisive, driven, solutions-oriented leader with senior level expertise in the credit union industry

PROFESSIONAL OBJECTIVE

I am a dynamic, results orientated, credit union professional with a proven record of accomplishments in

planning and leading high performance, high level and diverse teams. My objective is to secure a senior

management position where my 17 years of financial and management experience, skills and

accomplishments will provide the opportunity to make ongoing and positive contributions to the Credit

Union and/or related CUSO.

EXECUTIVE PROFILE

I possess senior management experience in all aspects of credit union operations, lending, collections,

product development and marketing as well as the start-up and ongoing management of CUSO’s. I am

highly organized, versatile and self-motivated individual whose goal is to pro-actively build success-

oriented teams in the pursuit of organizational goals. I excel in planning and managing multiple

departments and projects; developing and executing policies and procedures; creating and re-

engineering organizational structures; optimizing productivity, efficiency and profitability with an emphasis

on ensuring quality service to members. Additional strengths and expertise include:

Operations

Consumer Lending Budgeting/Planning

Member Service Project Director

EFT & Card Services Audit/Due Diligence

Collections DP/IT Systems &

Compliance Software programs

Data Processing/IT: Focused expertise with the Symitar operating system, integration, development and

implementation of programs; user training and support as well as hands-on operations of Symitar at the

credit union user level. I am proficient in all relevant computer operations and software applications and

have been involved in and have experience in transitioning several major data processing conversions.

PROFESSIONAL EXPERIENCE

Current Employment and Position

WesCorp Federal Credit Union

Sr. Product Manager

In my role at WesCorp FCU I am primarily responsible for identifying and developing new products and

new product relationships, and in reviewing, recommending and developing enhancements for existing

products and third party relationships.

In my tenure with WesCorp, I have been integrally involved in developing relationships, negotiating

business agreements and in implementing two major products related to Business Lending & Services,

and Tango Health, a National HSA (Health Savings Account) administrator.

I am currently responsible for researching, executing, and monitoring product strategies and strategic

opportunities to sell and distribute WesCorp’s transaction products on a national level. As well as making

initial and maintaining ongoing contacts in order to secure agreements relationships. I currently work with

all departments of the organization to market, sell, distribute, train, and maintain systems through the full

product life cycle, while staying abreast of industry trends and technological enhancements.

I am comfortable with and have been successful working with all levels of staff, Senior Management and

Board members in the development and implementation of the products and projects I have worked on

while in this position.

1

CU Indirect/Direct, LLC (CUSO)

Chief Operating Officer (COO) April 2007- February 2008

As COO of CU Indirect/Direct (CU I/D) I have had the responsibility for the development and

implementation of the financial plans and budgets; pertinent procedures and policies requirements;

managing the day-to-day operations of an indirect lending aggregator and loan processor. As COO, I

reported directly to the Board Chairperson and was responsible for all Board reporting, presentations and

interaction with the Chair as well as other Board members.

Duties included:

Developing, maintaining, tracking, overseeing, and implementing all marketing, sales and

operational practices related to the CU I/D business lines

CU I/D’s Dealer Representative Sales Manager

Managing the indirect lending business on a day to day basis - overseeing staff’s operational

processing and packaging of indirect loans for the participating Lenders

Ongoing program development to increase business efficiencies; program volume and business

development growth

Managing the Lender/Client and Dealer relationships on a day-to-day basis

Cal Bear Credit Union

Internal Operations, Vice President January 2004 - April 2007

As VP of Internal Operations at California Bear Credit Union, I was responsible for the entire back-office

functions of the Credit Union, including overseeing the data processing/information technology

department. My duties and responsibilities covered all operational areas.

Duties included:

Facilitated and implemented a VISA, ATM and Debit card conversion from outside processing to

in-house, greatly contributing to the CU’s bottom line while enhancing member service

Developed Courtesy Pay program that not only benefited California Bear CU, but was sold to

other CU’s as additional revenue generating opportunities for Cal Bear

Instrumental and played a strategic role in the successful completion of a merger acquisition,

acting as the Senior Project Executive, whereby planning and coordinating all aspects of the

merger

Departments and functions with direct reporting lines included:

IT Department – All Symitar Core system functions as well as all other phone system, PC, printer

and branch operations IT functions

EFT Department - Including all of the ATM, VISA, Debit Card and Checking operations as well

as development of and management of our own internal Courtesy Pay Program

Collections/Asset Recovery - All collection and asset recovery functions

Internal Audits and Compliance – The auditing and reporting of all operational issues, follow-up

and completion of exam and audit issues and overall compliance officer for the organization

Indirect Lending – Development, implementation and management of an internal Indirect

lending program

Internal Operations – Handling all of the back-office operations follow-up such as vehicle titling,

loan packaging and filing, as well as member service interactions to resolve account disputes and

to assist the member services team in servicing the member’s requests for account

reconciliations and other requests that required account research

As a member of the senior management team, I was an active participant of ALCO. I served on the

Strategic Planning Committees, which required extensive financial and accounting focus, while building

and maintaining relationships with members of the Board by serving on various committees. I was an

active part of the Autoseekers CUSO, having the daily duties, responsibilities and interaction with the

Autoseekers management and Business Development team. This included development and

management of the Indirect Lending program for CU’s.

2

Ani’s Consulting, Burbank, CA

Owner October 1999- December 2003

Developed, marketed and operated Ani’s Consulting business selling and sustaining multiple client

relationships over a period of 4 years. Built and maintained a collaborative marketing and operational

relationship with Technology Systems Solutions, a consulting group specializing in IT and system

enhancement projects to credit unions utilizing the Symitar Systems.

Project Highlights and Clients

Cal Bear Credit Union Universal City Studios Credit Union

Honda Federal Credit Union Toyota Federal Credit Union

Ralph’s Federal Credit Union Parsons Federal Credit Union

San Gabriel Valley Credit Union Southern California Credit Union

Consulting Services Key Accomplishments

Improved organization infrastructure, created new divisions/departments, job descriptions

Developed, presented and executed new, strategies and plans

Developed and implemented system programs for Home Equity Line of Credit Rate Change, Payroll

Conversion, Line of Credit Conversion, and Share Draft Monitoring Program

Developed Indirect lending division

Developed Operation Policy and Procedures

Create Quality Control Assurance Procedures

Facilitated data Processing conversion from EDS to Symitar system

Evaluated and restructured EFT Departments

Implemented CO-OP conversion and debit card program and Inventory Systems

Developed and executed projects introducing new product/service lines

Designed training manuals, developed and conducted multi-department training programs.

Revamped security privilege system

Converted in-house Credit card portfolios and processes

Glendale Area Schools Federal Credit Union, Glendale, CA September 1991- October 1999

MIS Administrator and Systems Specialist (1997-1999)

Oversaw 10-member team with responsibility for directing and auditing Member Services, Loan and

IT departments

Managed computer systems and data processing operations

Developed, presented and executed new projects, strategies and plans

Ensured procedural and equipment efficiency, operations productivity and quality control

Senior Consumer Loan Officer (and ATM Coordinator) - (1993-1997)

Managed credit card department. Oversaw approval and processing of all consumer loans

Monitored collateral protection insurance activities

Reconciled accounts and conducted ATM balancing, settlement and adjustment

Real Estate Clerk (1992-1993)

Supported underwriting team in producing and processing real Estate loans and documentation.

Member Services Representative (1991-1992)

PROFESSIONAL DEVELOPMENT

CUNA School of Management Graduate, 2007 (Attended 2005-2007)

Bachelors Degree in Business Administration thru Yerevan University- Armenia 2004

Completed various courses of study at Glendale Community College

Various Consumer and Business Lending and Business Services Workshops and Conferences

Formal Asset Liability Management Workshops

Symitar Computer Operations and Programming Courses

Annual and ongoing Regulatory Compliance Seminars and Conferences

Formal - VISA Charge-backs and Processing Training and CO-OP ATM Debit Card Systems Training

Professional References and Recommendations Provided Upon Request

3

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