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Manager Financial Analyst

Waxhaw, NC
March 27, 2019

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**** ******* ******

Indian Trail, NC 28079

Cell: 704-***-****



A Six Sigma (Black Belt) Certified risk management professional with an MBA and more than 20 years of extensive analytical experience in a variety of financial roles. Areas of particular expertise include:

·Large project design and implementation

·Statistically driven analysis

·Working in a team environment

·Consensus building

·Strong written and oral communication skills

·Strong background in risk management

·Financial expertise in multiple lines of business

·Designed two Patent Pending analytical tools


Wells Fargo – Compliance and Policy Administrator: Sep 16 – Feb 19

Data Management and Insights is the enterprise function that manages all data assets for the company. Managed process for compliance with all major regulatory and policy requirements. Built and managed process for capturing policy reviews and implementation initiatives

Designed and implemented process for capturing policy reviews, and revisions for over 100 individual corporate policies and monitored compliance with Risk Appetite.

Continuously improved risk management activities and oversite for Line of Business.

Served as primary contact for Compliance evaluations and process testing.

SharePoint Designer for Policy and Procedure Portal.

Bank of America Corporation – Vice President Enterprise Fraud Strategist: Oct 14 – Aug 16

Part of Enterprise function to assess, record and report on fraud losses for the entire bank. Fraud losses are compared to expected loss rates and variances are highlighted and explained

Designed and implemented process for reporting 1st party, 3rd party, Internal and Client Fraud Losses for the entire bank and anticipated risk trends.

Led team for deep dive into Origination Fraud across all product lines and reported emerging risks to upper management.

Completed Fraud Aggregation process to satisfy an Office of the Comptroller of the Currency MRA.

Bank of America Corporation – Vice President Sr. Vendor Risk Manager: Jan 12 – Oct 14

Risk analysis and management of bank’s $20 billion vendor portfolio across all Lines of Business. Vendor Analytics is the policy and standards setting group for all vendor interaction across the bank

Conduct analysis around specific risk topics including vendor AML risk, Low Risk Vendor analysis, and Rogue Spend analysis

Produce monthly Operating Risk Heat Map highlighting 22 different views of vendor risk

Analysis of customer complaints through and concerning vendors, both customer initiated and complaints coming through multiple regulatory agencies

Bank of America Corporation – Vice President Sr. Fraud Policy Strategist: July 09 - Nov 11

Responsible for analysis and improvement of existing and new fraud mitigation strategies for credit and non-credit losses in Home Equity and First Mortgage. Track and report Home Equity fraud losses. Partner with key associates to develop and maintain fraud controls in Home Equity

Conducted two phased multi-vendor application scoring project to identify most effective fraud scoring model

Developed and implemented fraud referral process and red flags document in Home Equity Short Sales

Work with key contacts in Under Writing, Mortgage Servicing, Short Sale, and Global Fraud Prevention to maintain and improve existing fraud controls

Bank of America Corporation – Vice President Sr. Anti-Money Laundering (AML) Manager: Dec 07 - Feb 09

Designed AML Risk Scoring Strategy and obtained necessary buy-in from LOB and Enterprise Risk associates. Strategically integrated multiple sources and applications into a cohesive process including Risk Scoring Engine, Transaction Report Memo process, and Event Significance Assessment.

Improved the customer risk assessment process by integrating experiential data with AML Risk Scoring Strategy and other AML tools and analysis. Process satisfied an outstanding OCC MRA and internal audit issue.

Assessed and updated AML policy to reflect improved process.

Gained experience with AML Investigation process.

Received Bank of America Spirit Medallion for successful resolution of backlog of 13K open AML cases.

Bank of America Corporation – Vice President Sr. Compliance Manager: Sep 04 - Dec 07

Designed and implemented $2MM Compliance Program Effectiveness Indicator (CPEI), Bank of America’s patent-pending process for quantifying and evaluating compliance health across the entire enterprise.

Completed Six Sigma Black Belt Certification.

Implemented CPEI tool, which has over 950 metrics aligned to 135 reporting levels.

Developed and administered the Compliance Survey, distributed semi-annually to over 4K associates.

Awarded Best of Six Sigma for analysis and improvement of Compliance Survey.

Received Bank of America Spirit Medallion for successful implementation of CPEI tool.

Fleet National Bank – Operational Risk Manager: Oct 00 - Sep 04

Designed Loss Event Database to capture Operational Loss Event Data across enterprise for all loss events over $1K. Database captured $233MM in total losses and over 50K incidents. Generated monthly reporting for Senior Management and reports to various industry committees. Established communication with managers of lines of business to obtain necessary risk information.

• Created e-form to automate reporting and capturing of loss events and exposure.

• Redesigned corporate policy regarding miscellaneous charge-offs and loss recording.

Fleet National Bank - Activity Based Costing Analyst: Jul 98 - Oct 00

Implemented and developed Activity Based Costing methodology across corporation. Conducted time and expense analysis studies on multiple banking departments to facilitate more effective cost allocation methodologies and process engineering.

Fleet National Bank - Line of Business Financial Analyst: Apr 95 - Jul 98

Supported Division Controller and Functional VPs financially and analytically with month-end closing, accruals, and business and plan analysis for three Lines of Business. Maintained 5 post-merger hierarchies. Managed business plan database and tracked versus actuals.


Design for Six Sigma. Black Belt Certified (2008)

Design for Six Sigma. Green Belt Certified (2007) Awarded Best of Six Sigma

Enterprise Scope. Trained in project development and management.

Global Experience. Lived abroad for 15 years in Southeast Asia with extensive international travel.


Rochester Institute of Technology, Rochester, NY Jun 1991

MBA Specialization: Financial Management

Houghton College, Houghton, NY May 1989

BA Major: Business Management and History

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