ANTOINETTE JOHNSON, CPFS Ph.: 678-***-****

ac7zag@r.postjobfree.com

QUALIFICATIONS PROFILE

Self-motivated professional with the ability to organize, prioritize and work under extreme pressure while adhering to strict deadlines. Effective communicator both written and oral with proven track record of employee recruitment, training and development. Robust aptitude for learning new skills quickly.

AREAS OF EXPERTISE

Internal Control Audit Financial & Strategic Planning Employee training/development Project Management Regulatory Compliance Risk Management Process Improvement Customer Service Sales Budget Analysis Insurance (claims/lender placed) PROFESSIONAL EXPERIENCE

Regulatory Compliance/Audit:

●Execution of a compliance monitoring review program, risk assessments (including Fair Lending, Auto Finance, UDAAP (Unfair Deceptive, or Abusive Acts or Practices), and Red Flags), and test plan for internal controls as well as specific dealership audits and checklist

●Perform weekly, monthly, and quarterly audit reviews as it relates to Underwriting, Collections, Complaints, Disputes, Statements, and others to test for compliance adherence to federal regulations including but not limited to FDCPA (Fair Debt Collections Practices Act), SCRA

(Service members Civil Relief Act), Regulation Z, Adverse Action Notification, UDAAP (Unfair Deceptive or Abusive Acts or Practices)

● Review of departmental policy/procedures to create internal audit program test methodology

● Performed substantive compliance and examination test work to include: Conducting internal reviews and monitoring of business units’ compliance with applicable laws, regulations, and potential gaps during testing and coordinate remediation

●Spearheaded the creation of an internal fraud unit that consisted of 55 branch locations. ensured banking centers were compliant with federal regulations including, but not limited to, US Patriot Act, Anti-money Laundering/Bank Secrecy Act. Tracked trends and anomalies to deter fraudulent activity

● Effectively communicated audit results to regional management and performed timely follow-up corrective action review resulting in positive relationships with policy makers which increased the receptivity of implementing my recommendations designed for process improvement

● Gathered data to efficient report pertinent information for corporate governance

● Served as security officer; updated security manual, internal control records, trained on robbery procedures

● Designated as primary liaison in the areas of internal cash control, risk management, transaction processing and regulatory compliance

●Preparation and presentation of Department of Justice/CFPB (Consumer Financial Protection Bureau) client controls to Executive Leadership

●Prepared client responses to OCC (Office of the Comptroller of the Currency) audit findings Project/Performance Management:

● Successfully opened 10 offices in less than two years. Project was managed from varying aspects including research of location, acquiring FDIC approval equipment ordering, and operational set-up

● Oversaw the regional merger acquisition process, including strategic planning, account conversion, developing and monitoring guidelines for conversion weekend to ensure smooth transition

● Designed, implemented, and monitored programs that supported loss prevention management

● Conducted performance management by diagnosing improvement opportunities, provided effective feedback, coached, trained, and delivered corrective action plans for branch staff

● Provided comprehensive training across department on new procedures and processes for multi-states; wrote and maintained operations manual

● Assisted in the design, testing and implementation of new or enhanced information systems

● Successful implementation of zip code segmentation to use both APA (in house) and outside inspection vendors

● Creation of work flow projection model that was implemented to track client service levels

● Developed process improvements to enhance productivity by assisting in the design, testing and implementation of new and enhanced information systems including interactive insurance claim website

Finance/Accounting:

● Analyzed and interpreted monthly variance and trends for balance sheet line items to successfully project and forecast budget for 90 regional branch locations ($4.5 million budget)

● Provided financial support and analysis to regional management for strategic business decisions which led to cost saving initiatives

● Administered the compensation/incentive plan for over 500 employees by ensuring consistency between the field bonus system, sales roster, HR and corporate compensation system to maintain accurate employee information and timely payout PROFESSIONAL WORK HISTORY

U.S. Auto Sales (2015-Present)Corporate Auditor

Green Sky Credit (2014-2015) Internal Controls Auditor Assurant Specialty Property (2011-2014) Hazard Operations Mgr Wells Fargo (2010-2011) Service Manager

Branch Banking & Trust (2003-2009) Area Operations Manager (AVP) EDUCATION

BA, Economics University of North Carolina at Greensboro 1995 CERTIFICATION/SKILLS

AFIP (Association of Finance & Insurance Professionals) Compliance Certified, Microsoft office Suite, Ad-hoc reporting, docu-analyzer, Multiple Servicing Systems