Manager Management

ETTA J. GULLY, MBA, PA

E-mail: ac1gyb@r.postjobfree.com

Telephone: 615-***-****

EXECUTIVE SUMMARY

Financial Services Executive with extensive compliance, risk, audit and banking experience, demonstrated applied knowledge of risk base compliance, audit, lending, compliance background in consumer credit (including HMDA, Regulation Z, Regulation B, RESPA, CRA, FAIR LENIDNG) etc., finance and operations. Known for establishing and maintained a strong Compliance and Risk Management Program. Provided monitoring, training, testing and support in implementing improvements to assure compliance.

In addition, a Compliance Consultant with strong consumer and mortgage loan knowledge. Proven ability to effective interacts with a diverse group of people at all levels of an organization, including the Board of Directors to assure compliance in the organization. In addition, being able to continue to maintain a strong compliance management program and insure institution profitability while assuring compliance in the organization.

EDUCATION

Masters of Business Administration in Management, MBA; American InterContinental University

Paralegal Degree; American Bar Association Approved Paralegal Certification; Southeastern Career College (now Kaplan), Nashville, TN

Bachelor of Business Administration, BBA: Emphasis on Management; Tennessee State University, Nashville, TN

Certificate of completion for the 10 weeks review course for the Certified Regulatory Compliance Manager (CRCM) Exam, sponsored by American Bankers Association/American Institute of Banker

PROFESSIONAL EXPERIENCE

September 15, 2016 – Present

Midwest Tax Resolution Center a division of Anh Le CPA Firm, Fairview Heights, IL

Office Manager – Audit Resolution Associate Specialist–Senior Certified Tax Consultant

December 2013 – Present (4 years)

Anh Le CPA Firm, Fairview Heights, IL

Office Manager –Tax Audit Resolution Associate Specialist–Senior Certified Tax Consultant

Experienced Office Manager with a demonstrated history of working in the financial services industry. Skilled in Financial Risk, Risk Management, Banking, Credit, Training and Strong professional skills.

Assist business and individual clients in reaching their goals through audit, tax, advisory, risk assessment

Oversee and prepared state and federal returns for businesses and individuals

Research the implications of tax laws and advise clients on tax related issues.

Submit Power of Attorney to the Internal Revenue Service

Train incoming employees on office procedures, contracts and compliance

October 2014 – June 30, 2015

TIAA CREF Financial Services, St. Louis, MO

Regulatory Compliance Associate – Advocacy and Oversight Compliance

TIAA CREF, FSB a billion dollar company consolidated the Compliance Department to the corporate office in Charlotte NC. This was a business decision, which had no impact on job performance. Each team member in Advocacy & Oversight Compliance worked together effectively to provide oversight and protection for the entire organization.

Responsibilities included:

Provided regulatory compliance reviews and surveillance monthly, quarterly and annually to insure compliance with internal policy and procedures, with risk controls

Performed regulatory compliance monitoring, oversight and surveillance testing,

Testing execution- notification of testing operation process to the line of business and Senior Management

Implemented the validation process for Purchased and Bulk Loan from the Secondary Market

Provided high-level subject matter expertise regarding various compliance issues to the Senior Management for submission to the Board of Directors,

Help to develop and administer the Bank’s Compliance Management Program

Participated in risk assessments - assisted with the SR08-08 Risk Assessment projects

Managed the Testing Dashboard to set the due dates and scope of the reviews

Distributed 1st Day Notices to the Vice President of Lending Operations

Maintained annually the compliance testing scheduled and updated to the corporate share drive.

Maintained the examination preparation process and advised the (LOB) of upcoming compliance reviews.

Conducted exit meetings, discussing issues, risk, controls, corrective action planning and remediation.

Followed up with the Line of Business (LOB) Management Team focusing on the outcome of the reviews and risk analysis to discuss validated issues, next step i.e.,

Managed and Validated the Home Mortgage Disclosure Act (HMDA) Loan Application Registry (LAR) process for Submission to the Federal Reserve

Insured written compliance policies and procedures for various regulations, performed other duties as assigned under Advocacy and Oversight Compliance

September 25, 2013 – October 2014

TIAA CREF Financial Services, St. Louis, MO

Community Reinvestment Act Analyst

Responsibilities included:

Large Institution CRA Performance standards; Lending, Investment and Service Testing Analysis

Assisted internal and external auditors and OCC examiners during Compliance Examinations by the Federal Regulators;

Secretary of Board appointed Community Reinvestment Act (CRA) Committee

Manage the Community Reinvestment Act Public File

Manage and Validated the HMDA Loan Application Register for submission and reported to Federal Reserve annually;

Served as a resource for personnel with questions relating to reporting;

Federal Regulations when Paralegal expertise was required;

Assisted the Credit Risk Manager with training through the development of training materials;

Manage and developed Loan Audit reports for use in risk verification;

Compiled demographic and mapping data and Peer data Analysis’s using the CRA WIZ software

Analytical support for required CRA reporting

Prepared Market analysis and CRA gap analysis.

Maintained monthly, quarterly and annuals Self-Assessment reports

2013 – July 1, 2013

1099 Contractor to Accume Partners/Subcontracted to Orrstown Bank Chambersburg, PA

(Internal Compliance Assessment/Loan Reviewer)

Responsibilities Include: The Engagement was to performed compliance risk assessments on samples of the residential mortgage loan files that included the following: Performed additional Risk Compliance Assessment Reviews. Informed Senior Executives on any remediation of findings throughout the review and advised on measures in reducing any potential risk doing the engagement process. The scope was for Risk Compliance Assessment Reviews and Consumer / Mortgage loan consulting role with clients. The engagement administered with little supervision from the client.

Methodology used to get sample of applications for each type of credit offered during the review period for a complete re-underwriting review, RESPA Regulation X Review (GFE, HUD-1/1A), ESCROW Analysis Review (Initial and Final), Adverse Action Decline Review, Regulation Z Review/TILA Early and Final, Withdrawn Application Review. ARM Loan review (Ensured that the ARM information and APR were accurately disclosed) Flood Review (Disclosures and Insurance) HMDA Review (Data Integrity, Timely Disclosures).

Responsibility as the Compliance Specialist on site for the Engagement to perform consumer compliance assessments on samples of the consumer and residential mortgage loan files.

Performed Consumer and Risk assessments on samples of the residential mortgage loan files. Reviewed loan applications for consumer credit that was originated this applied to any type of loan application, consumer or commercial.

Performed re-underwriting of residential loan files, primary responsibility included verifying and validating income, assets and liability documentation to support decision. Validated loan files for completeness and accuracy. Analyze credit documents, mortgage applications, title documents, appraisals and all applicable compliance documents, per investor guidelines. Completed input of loan details and information into internal systems during initial underwrite. Ensured data integrity by reviewing loan documentation for consistency and adherence to loan procedures.

2008 – 2012

Andrew Johnson Bank, Greeneville TN

Vice President – Bank Compliance Officer

Accomplishments: Develop and administer the Bank’s Compliance Management Program. Duties and responsibilities include:

Serve as Chairperson of the Compliance Committee which is a Board approved position;

Manage policies and procedures by updating annually, as needed, to adhere to regulation and guidelines;

Responsible for implementing and managing the Bank’s annual Fair Lending reviews and Risk Analysis, the Bank’s Annual CRA Public File Review and Analysis; as the Banks CRA Officer.

Provide support, guidance and participation with activities related to the Bank’s Community Reinvestment Act (CRA) compliance efforts;

Responsible for the Bank Annual Privacy Validation Review and Risk Analysis;

Consumer Mortgage Loan Review files ARM’s, APR’s, Flood (Disclosures and Insurance), RESPA (GFE, HUD-1/1A, TILA Early and Final, ESCROW and PI/PMI).

Manage and reviewed all complaints for the Bank and record on the official Tracking Log;

Quarterly Internal Regulatory Compliance Trainings to the Board of Directors;

Assist auditor and examiners during Compliance examinations;

Responsible for the Bank’s Compliance Risk Assessment;

Regulatory Compliance monitoring and testing including Adverse Action loan review on a quarterly basis;

Flood Insurance Review and Testing;

Research Statutes and Federal Regulations when problem issues arise.

Present Quarterly Compliance Reports to Board of Directors, Audit Committee and Senior Management Committee; on how to mitigate risk

Home Mortgage Disclosure Act Loan Application Registry Review for Data Integrity before annual submission to the Federal Reserve;

Regulatory Compliance review and testing of the following regulations, RESPA, TILA, HMDA, CRA, FCRA, ECOA, PRIVACY, FLOOD, FAIR LENDING;

Provide support and guidance to the Bank’s operational and lending compliance efforts; assist regulatory agencies and/or auditor inquiries; review and write compliance-related policies and procedures; made recommendations to Senior Management when and where appropriate;

Monitor and review of various Deposit Regulations;

On-site Compliance Branch Visits to review current disclosures;

Served as the Adverse Action Committee for Loan Review;

In charge of reviewing all advertising to assure UDAAP risk compliance;

Served as the Bank’s S.A.F.E Act Administrator;

Financial Institution Letter to ensure they are updated and distributed to various areas of the bank;

Regulatory training to Loan Officers, Processors, and Bank personnel;

Liaison for Service Members Civil Relief Act Loans;

2006 – 2008

Cumberland Bank, Franklin, TN

Corporate Compliance/Loan Operations Department

Regulatory Compliance Officer/Paralegal

Responsibilities included:

Researched Statutes and Federal Regulations when Paralegal expertise was required;

Assisted auditors and examiners during Compliance Examinations by the Federal Regulators;

Validated the Loan Application Register before submission to Federal Reserve annually;

Served as a resource for personnel with questions relating to reporting;

Assisted the Credit Risk Manager with training through the development of training materials;

Developed Loan Audit reports for use in verification;

Managed Home Mortgage Disclosure Act including servicing and submission;

Submitted HMDA/CRA data to the Federal Reserve, as required, on a yearly basis;

Implementation and management of data integrity systems and reports;

Met all deadlines within budget;

Ability to create reports and presentations using Excel, Power Point & Word, CRA WIZ

Imported Data Integrity Scrub, Geocode, Analyze, and File with the Federal Reserve Board the Annual production of Home Mortgage Disclosure Act (HMDA) and

Community Reinvestment Act (CRA) reportable Loan Application Registers (LARs);

Manage the relevant CRA, HMDA, and Fair Lending data for the company;

Validated reportable loans with the New Loan Audit Reports

Regulatory tracking for the purpose of evaluating eligibility for HMDA or CRA reporting;

Evaluated source documents for reportable loans and ensure the accuracy entries on the Loan

Application Register (LAR) for reporting purposes;

2000-2006

AmSouth Bank, Nashville, TN

Legal Law Department

Corporate Compliance Officer

Accomplishments: When AmSouth Bank purchased First American I was asked to move up into the Law area as the Corporate Compliance Officer, which I welcomed the new position. Due to the downsizing after the merger we were left with only myself as the new Corporate Compliance Officer and the Corporate Compliance Director, with our expertise and years of experience we was successfully able to fully run the compliance office from Nashville for six years before the department merged with the legal area in Birmingham. Responsibilities included:

Managed and monitored the annual compliance trainings for the Law Department and Compliance Risk Management employees; also the Administrator of the Learning Management System;

Maintained knowledge of current laws, regulations, and interpretations concerning compliance program requirements;

Prepared comments on regulatory proposals affecting compliance program requirements and maintain proficient knowledge of compliance program;

Manage and coordinated projects for the Corporate Compliance Department;

Prepared customer privacy notifications as required by Regulation P, Privacy Coordinator;

Manage and sent response letters to customers who had privacy issues or complaints

Researched and resolved customer complaints; assisted with the Complaint Resolution Procedures for Human Resource Personnel;

Liaison and support to the Area Branch Operation Managers on questions and issues that arise from their customers;

Under the Bank Secrecy Act, submitted Currency Transaction Reporting for Tennessee to the

Internal Revenue Service

1999-2000

AmSouth Bank, Nashville, TN

Corporate Compliance Department

Regulatory Reporting Compliance Manager

Accomplishments: Excelled as the Compliance Manager for Corporate where I supervised approximately five staff members

Responsibilities included:

Managed Home Mortgage Disclosure Act including servicing and submission;

Supervised approximately five staff members with responsibilities for data collection,

data integrity, and timely filing of required governmental reports;

Researched the ACAPS and ACLS Loan Systems for current customer information;

Utilized multiple Regulatory Tracking System software applications including Centrax,

CRA WIZ, RNR Report Writer, and other web based search engines.

Downloaded and Imported Data Integrity Scrub, Geocode, Analyze, and File with the Federal Reserve Board for the Annual production of Home Mortgage Disclosure Act (HMDA)

and Community Reinvestment Act (CRA) reportable Loan Application Registers (LARs)

Collected, analyzed, and reported the bank's Home Mortgage Disclosure Act and Community Reinvestment Act requirements

1995-1999

First American National Bank, Nashville, TN

Regulatory Compliance Specialist

1991-1995

First American National Bank, Nashville, TN

Consumer and Commercial Loan Operations Workflow Coordinator

PROFESSIONAL ASSOCIATIONS (past and present)

TIAA CREF, Community Reinvestment Act (CRA) Committee, St. Louis, MO (Secretary)

Anh Le CPA Liberty Tax Service (Senior Tax Consultant)

Andrew Johnson Bank (Chairman of the Compliance Committee)

Business Network International (BNI) Leaders Counsel (Member)

Habitat for Humanity, Greeneville TN, Board of Directors (Secretary)

Tennessee Bankers Association (Member)

Toastmasters International, Board of Directors (Secretary and Treasurer)

Apostolic Christian Center, East St Louis, IL (Administrator and Secretary)

SOFTWARE APPLICATIONS

CRA WIZ Compliance Software

CENTRAX Compliance Software

CANOPY Tax Software

PITBULL Tax Software

Microsoft Office

WebEx

LoanSpan

Adobe Converter

Snipping Tool

Share Drive

Greenshot Software

Nitro Pro 9

Skype

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