ROBIN RAMISTELLA

914-***-****

ac0e3g@r.postjobfree.com

SUMMARY

Risk management; regulatory compliance; and, internal audit expert leading outsourced internal control and compliance audits of financial and non-bank financial institutions. Product and service lines addressed include consumer compliance (lending, deposits, branches); BSA/KYC/AML monitoring; strategic planning/corporate governance/enterprise risk management; marketing; regulatory reporting; internal controls; policy and procedure development; MIS implementation; staff training; and, operations. Services performed resulted in significant process improvements that exceeded regulatory and client expectations as well as lowered compliance costs for clients.

EXPERIENCE

Mazars USA LLP 2010 to Present

Senior Manager

Create a detailed internal framework as the head of outsourced internal audit services for various financial services companies in regulatory risk management including IIA standards. Provide subject matter expertise in regulatory and compliance risk management; internal audit risk assessments; internal controls; and, monitoring involving internal controls, training and operating procedures. Actively liaise with Board of Directors; Audit Committees; and, regulators in the course of the audit cycle.

Lead manager of internal audits covering BSA/AML; enterprise risk management; operational risk; corporate governance reporting including loss projections and key risk indicators; consumer compliance; lending operations and underwriting; credit administration/allowance for loan/lease losses; deposit operations; electronic banking (wire; ACH; EFT; Internet banking); ALM-IRR-Borrowings; investments; accounting and reporting; enterprise risk management; trust/wealth management operations; bank security including fraud losses; branch operations including loss claim processing; and, non-deposit investment products.

Served as Acting BSA Officer for a $495 million OCC chartered Bank. Revised policies and procedures for CIP/CDD/EDD/SAR processes. Enhanced BSA training and Compliance Committee processes.

Assisted former OTS chartered institutions in remediating OCC MRAs due to heightened standards for Board/Management practices; policies; and, procedures.

Provide support to bank clients as the service provider for compliance guidance in monitoring; developing product forms; policies; operating procedures; SOX/FDICIA implementation; and, training programs.

Conducted regulatory risk assessments that lead to the development of monitoring programs to be performed by client institutions.

Ensure business units comply with the applicable Federal and State laws and regulations pertaining to loan originations/underwriting, loan underwriting, deposits, customer due diligence, loan servicing, funds transfers and compliance monitoring. This includes the applicable FRB regulations and non-FRB laws and regulations for Anti-tying, Foreign Corrupt Practices; BSA/KYC/AML; OFAC; SOX reviews; and, FDICIA reviews.

Jefferson Wells 2000 to 2010

Risk Advisory Services – Financial Institutions Professional

Provided subject matter expertise in regulatory compliance issues; internal audit risk assessments; and, execution of internal audit programs/regulatory reviews for financial and non-bank financial service entities.

Provided internal audit staffs with additional resources for internal controls; regulatory compliance; underwriting; credit administration; operational risk; corporate governance reporting including loss projections and key risk indicators; and interest rate risk management reviews as well as reviewed, revised and developed risk focused compliance audit and monitoring programs.

Performed BSA/KYC/AML/USA Patriot Act internal audits and risk assessments involving deposits; electronic banking; commercial/retail mortgage lending; and, non-deposit investment products.

Involved in TARP review program regarding consumer mortgage holdings for determining compliance with Loss Sharing Agreement and TARP agreement for a major money center bank.

Created SOX/FDICIA programs that included narratives and testing programs for critical controls. Performed testing and remediation of errors identified during the testing process.

Served as Acting Compliance Officer for a private equity investment subsidiary of a multi-national bank.

Conducted mortgage underwriting, servicing, hedging reviews for thrift and commercial bank clients. Performed loan compliance reviews involving FRB Regulation B, C, and Z; RESPA; and, Fair Lending.

New York State Banking Department 1993 to 2000

Senior Bank Examiner

Examinations Division - Conducted regulatory examinations of commercial banks, foreign branches & agencies, limited purpose trust companies, and thrifts.

oAs examiner-in-charge (commissioned), coordinated and liaised with examination teams from the Federal Reserve Bank; Office of the Comptroller of the Currency; and, Federal Deposit Insurance corporation as to the allocation of personnel for examination areas; meetings with senior management and regulatory supervisors.

oAs part of the examination team, lead reviews of trading; liquidity/funding; portfolio management; capital markets; foreign exchange; loan underwriting/review; private banking; and trust operations. Also conducted examinations of BSA/KYC procedures; escheatment of fund procedures; and, asset pledge requirements of foreign branches/agencies. Participated in special forensic team money laundering investigation.

oAs review examiner, conducted quality control reviews of examination reports; work papers; and, support documents.

Mortgage Banking Division - Conducted regulatory compliance examinations of New York State licensed mortgage banks and mortgage brokers involving HUD Reg. X; FRB Reg. B and Z; Parts 38 & 39 of NYS Banking Regulations.

oAdvised bankers/brokers of corrective actions needed to be implemented regarding non-compliance with laws and regulations. Findings resulted in disciplinary actions producing consumer refunds and/or monetary fines against licensed entities.

oConducted forensic audits and investigations that resulted in recommendations of regulatory enforcement actions for department managers to implement and criminal prosecution

Professional Practice Strategies 1989 to 1993

Consultant

Union Trust Company 1986 to 1989

Vice President & Asset/Liability Manager - Funds Management Department

Barclays Bank of New York, N.A. 1975 to 1986

Assistant Vice President

Investment Manager - Treasurers Dept. (1979-1986)

Branch Operations Officer (1977-1979)

Commercial/Mortgage Loan Operations (1975-1976).

EDUCATION

Pace University Master of Business Administration - Finance (1989)

Villanova University Bachelor of Arts - Political Science (1974)

New York State Banking Department Training in: International Bank Examination; Foreign Exchange & Capital Markets Trading; BSA/KYC audits, Community Reinvestment Act; Trust & Private Banking audits.

Federal Reserve Bank Risk-Focused Examination Program (1997); Management School for Commissioned Examiners (1999)

Federal Deposit Insurance Corporation Bank Examination and Analysis (1993); Bank Holding Company Analysis (1994); Commissioned Examiner School (1997)

PROFESSIONAL

New York State Banking Department Instructor - Interest Rate Risk Sensitivity and Risk Assessment Plan.

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