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Compliance/Risk Management

Location:
Chicago, Illinois, United States
Posted:
December 03, 2018

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Resume:

Margie L. Ware

**** **** ***** ********, ** *****

708-***-**** (Home) 708-***-**** (Mobile)

ac7u3x@r.postjobfree.com

PROFESSIONAL PROFILE

Accomplished financial industry professional with over twenty-five years of diversified experience in banking and government management. Experiences include a high level of expertise in Compliance Management, Accounting, Commercial Banking and Project Management.

Strong leader and consensus-builder that passionately executes and achieves strategic goals and objectives.

Results-oriented, decisive leader with proven success in building strong, lasting relationships with managers, associates and clients.

Effective communicator who seeks positive resolution to problems through active listening and commitment to integrity.

Profit-minded self-starter with middle market business account management and credit experience.

AREAS OF EXPERTISE

- Policies and Procedures - Communication - Financial Analysis

- Regulatory Examinations - Negotiation - Managing Change

- Quality Control & Assurance - Client Relationships - Identify & Direct Resources

- Problem Solving - Improvement of Processes/ - Internal Reviews & Audits

- Regulatory Analysis Standards - Strategic Planning

- Risk Assessments - Management Reports/ - Decision Making

- Training and Development Presentations - Business Development

PROFESSIONAL EXPERIENCE

Project Consultant

Robert Half International March, 2014 - June, 2018

International Financial Group (IFG) August, 2013 – October, 2013

Provided compliance and corporate audit services covering the effectiveness of policies and procedures, internal control processes and risk management practices related to Consumer/Mortgage Loans and Commercial Real Estate Loans. The reviews specifically covered compliance with BSA/AML, Fair Lending (CRA), HMDA, Regulations B, Z, O, Privacy Act and Flood Insurance regulatory requirements.

Key Accomplishments

Developed AML Risk Strategy document for a $30 Billion Bank/Brokerage firm through interviews with business managers and assessment of current state.

Drafted project plan for AML Governance to assess current state related to the adequacy of AML staffing, roles/responsibilities, metrics reporting and training.

Drafted new Consumer Mortgage Loans policies and procedures and training material.

Audited control processes for compliance with BSA/AML, Regulations B, Z, O, HMDA, Flood and the Gramm-Leach Billey Act.

Project Consultant

AccountAbilities, Inc. October, 2012 – November, 2012

Experis Finance (Formerly Jefferson Wells) October, 2011 – August, 2012

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BSA/AML Compliance reviews; development of regulatory compliance monitoring programs; completion of monitoring reviews; testing the effectiveness of certain internal controls and risk assessments.

Key Accomplishments

Managed completion of risk assessments of bank holding company subsidiaries and corporate groups.

Reviewed compliance program for consumer mortgage loans and small business lending and recommended process improvements to comply with regulatory requirements.

Managing Director

MD Service Corporation of Illinois, Bellwood, IL November, 2009 – October, 2011 Managed the oversight of day-to-day business activities and monitor revenues and expenses. Hire and train staff to comply with all aspects of company standards and client contracts. Maintain on-going communication with clients to ensure the delivery of quality services. Identify new business opportunities by meeting with existing clients and prospects. Networking with business community to market company services and participate in monthly meetings with business owners and senior managers.

Key Accomplishments

Cultivated senior level relationships with franchisor and accepted responsibility for the management of at risk accounts and successfully maintained the relationships.

Reduced customer complaints by 40 percent by evaluating processes and implementing changes to improve the quality of services.

Increased revenue growth by 15 percent through the sale of additional services to current clients and bringing on new accounts.

Vice President/Compliance Officer

Bank of New York Mellon, Chicago, IL January, 2004 – August, 2008

Reviewed all major regulations impacting the business groups and established a risk rating. Developed regulatory compliance testing program: to access the adequacy of current policies and procedures; and the adequacy of business processes for compliance with state and federal regulations. Coordinated with the Learning & Development Center to identify and develop classroom and on-line training courses covering relevant broad-based compliance topics. Periodically issued memos to senior management related to significant compliance matters from internal reviews or newly issued regulatory requirements. Due diligence team member with responsibility for the review of regulatory compliance issues that relate to potential business acquisitions.

Key Accomplishments

Successfully managed and served as the primary contact for six (6) state and federal regulatory examinations that resulted in no findings or required follow-up actions.

Provided Compliance support to one hundred seventy- five (175) managers and associates assigned to The Bank of New York Mellon Trust Company, N.A. and BNY Mellon Trust Company of Illinois.

Developed classroom/on-line training courses covering broad-based compliance topics.

Drafted new policies and procedures to provide guidance and compliance to newly issued or pending federal regulations.

Extensive experience working with Bank Secrecy Act/Anti-Money Laundering laws and regulations.

Developed regulatory compliance monitoring program to ensure compliance with procedures and state/federal regulations.

Vice President/Compliance Manager

JPM Chase (Bank One), Chicago, IL August, 1997 – December, 2003

Project responsibility for the review and update of policy and procedure manual for the improvement of current processes and enhance controls. Instrumental in the completion of action plans to clear significant internal audit findings. Developed and conducted periodic training sessions for business personnel. Member of Anti-Money Laundering (AML) project team responsible for development of new AML policies and procedures (for compliance

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with requirements under the USA Patriot Act). Prepared and presented quarterly compliance reports to senior management.

Key Accomplishments

Effectively managed and guided the drafting of a new business-wide policy and procedures manual to enhance the understanding of regulatory requirements for three hundred twenty-five (325) employees and to eradicate an unfavorable internal audit report.

Monitored and approved the completion of twenty-five (25) corrective action plans to resolved issues cited in the internal audit report and to allow business area to pursue expansion opportunities.

Drafted new Anti-money Laundering policy and procedures to comply with the USA Patriot Act (passed by Congress shortly after the September 11, 2001 terrorist attack).

Developed and presented classroom training to three hundred twenty-five (325) employees, in multiple sessions, on the requirements for financial institutions, under the USA Patriot Act.

Developed regulatory compliance monitoring program to ensure compliance with procedures and state/federal regulations.

Identified and evaluated compliance risks, mitigating controls and opportunities for internal control improvements.

Presented classroom training to employees on the requirements under consumer credit and deposit regulations.

Program Manager, Closings/Settlements/Terminations, Chicago, IL

Department Head, Receivership Management/Terminations, Chicago, IL & Kansas City, Mo

Federal Deposit Insurance Corporation / Resolution Trust Corporation January, 1989 – December, 1996

Responsible for the management of Loan Department of assigned financial institution and all related credit functions. Planned and directed asset valuation analysis for institutions with assets totaling over $500 million.

Directed the transfer of assets and liabilities of failed institution to acquirer(s), in accordance with the agreed upon terms and conditions (Purchase and Assumption Agreement). Developed Management Tracking System designed to monitor the status of unresolved issues impeding the legal dissolution of 190 failed financial institutions. Chaired Task Force of forty (40) managers responsible for the review and resolution of potential liability issues for receiverships established for over 100 failed financial institutions. Directed the group through the resolution of problems pertaining to environmental concerns of real estate owned assets, mortgage loans, subsidiaries, and defensive litigation. Improved department’s performance in Kansas City, Mo. office; exceeding the productivity levels of five other offices. Appointed by main office (Washington D.C.) as project team member to draft and implement national policies and procedures across all office locations.

Federal Deposit Insurance Corporation / Resolution Trust Corporation

Key Accomplishments

Managed the closing of twenty financial institutions and reconciled system reports to general ledger accounts and financial reports for assets totaling five hundred million to one billion dollars.

Directed staff of 35-100 people through closing procedures for twenty (20) transactions for financial institutions sold under the Savings & Loan Association government bail-out program.

Directed staff throughout the claims review and determination process for over $800 million in creditor claims.

Administered payment of approximately $25 billion in insured deposits held at failed institutions.

Responsible for supervising the execution of Purchased and Assumption Agreements for seventy (70) financial institutions.

EDUCATION

Bachelor of Business Administration – Accounting, Loyola University, Chicago, IL

Completed Commercial Banking Program for Credit/ Relationship Managers, Continental Illinois National Bank, Chicago, IL



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