Manager Management

Terri Holt

407-***-**** [pic] ******************@*****.***

Summary of Qualifications

EXTENSIVE, PROVEN EXPERIENCE IN [pic]

Regulatory audits; problem solving; bringing organization into line with

corporate and governmental standards; diplomacy; overseeing process

execution; creating team 'buy-in'; decision making with complex issues;

Process, Staff & Time Management; Quality Control; departmental and

procedural start-ups; and management/supervision in professional settings.

Skilled in fraud/forgery detection, tenacious problem solver with an eye

for detail, analytical, ambitious, diligent, and creative.

Professional background includes [pic]

Detailed regulatory audits Increasing Efficiencies,

Assuring Regulatory Streamlining processes

Compliance Organizing successful Task Forces

Establishing new Procedures

Outstanding, Effective Writing Audit Reports and

Written and Oral Corporate Procedural Materials

Communication skills Cutting corporate costs by

Coordinating with Corporate implementing effective procedures

Executive and Legal Officials

Exceptional interpersonal skills

Integrity, Loyalty Staff Training and High-power

Strategic and operational Team Building

planning Leading and directing the work of

Authoring Policies and multiple staffers on multiple

Procedures projects

Professional Experience

FIRST SOUTHERN BANK, ORLANDO, FL

2/2012 - PRESENT

Compliance Manager/Bank Officer

. Utilizing Access, reviewed collateral for flood discrepancies and

authored report for same.

. Conducts bi-monthly flood reviews and authors reports of same.

. Reviewed the flood vendor's process and procedures and authored report

of same.

. Reviewed SAD loans for flood discrepancies and authored report of same.

. Conducted an ECOA/FCRA Adverse Action review and authored report for

same.

. Tracks compliance findings and management responses to ensure audit

findings are corrected properly and timely.

. Developed and authored HMDA training.

. Utilizing Access, conducts quarterly HMDA reviews and authors reports of

same.

. Created and authored UCC training.

. Conducted Escrow review and authored report of same. Created escrow

analysis worksheet for delinquent accounts. Wrote procedures for same.

. Created and authored Errors and Resolution Policy and Procedures.

. Created and authored Hazard Insurance - Force-Placed Policy and

Procedures.

V Created Covered and Non-Covered Loan Guidelines for Loan Ops.

V Wrote the five various response letters.

. Wrote recommendations for Fiserv specs, flood determinations, and

booking process.

. Responds to department heads' inquiries and provides guidance regarding

compliance issues.

. Authored various letters.

Holiday Inn club vacations, Kissimmee, FL

9/2008 - 2/2012

Compliance Manager

. Developed, initiated, maintained, and revised policies and procedures

for the general operation of the Capital Management division of this

Fortune 1000 company to prevent illegal, unethical, or improper

conduct.

. Created and authored FACTA/Red Flag Guidelines Policy and Procedures.

. Developed the Compliance Team along with the processes and procedures.

. Created, developed and authored regulatory reviews for FACTA, GFE,

HUD, RESPA, and State Timeshare Disclosures deficiencies. Wrote

reports for same.

. Authored and implemented changes to departmental tasks in order to

create efficiency.

. Consulted with the corporate attorney as needed to resolve difficult

legal compliance issues.

. Managed execution of audit engagements in accordance with the internal

audit plan, methodology and guidelines.

. Conducted monthly meeting with each departments to reveal the

Compliance Team's regulatory findings.

. Created strong trust relationships with each department.

. Coordinated with SVP and multiple departments to direct compliance

issues to appropriate existing channels for investigation and

resolution.

. Responded to alleged violations of rules, regulations, policies,

procedures, and Standards of Conduct by evaluating or recommending the

initiation of investigative procedures.

. Monitored and coordinated compliance activities of other departments

to remain abreast of the status of all compliance activities and to

identify trends.

After Promotion: Deeding Manager

. Managed $800,000 portfolio.

. Monitored and oversaw the Warranty Deeds and Satisfactions of

Mortgages.

. Managed Deeding Department's budget.

. Improved collateral position and portfolio of the company.

. Streamlined the transfers of ownerships activities within an 11 site

condominium portfolio.

. Assigned and oversaw the handling and intake of title policies and

recorded documents.

. Managed over 1,000 loans sent to the title company for recording,

monthly

. Provided direction to investigate contracts with exceptions.

. Authored and implemented changes to departmental tasks in order to

create efficiency.

. Developed the necessary staffing assignments in consideration of team

member skills, capabilities and workload balance.

. Responded to department heads' inquiries and provided guidance

regarding compliance issues.

. Facilitated employee interviews, training, performance evaluations,

incident resolution, incentive, & compensation recommendations.

. Developed and implemented corrective action plans for alleviation of

problematic issues, and provides general guidance on how to avoid or

handle similar situations in the future and restore resulting losses.

Additional Work History

R-G CROWN BANK/FEDERAL TRUST BANK

1/2007- 8/2008

CRA Compliance Specialist-HMDA

. Developed and administered the Banks' compliance policies and evaluated

their effectiveness, including audits of internal controls and adherence

to federal and state banking laws and regulations.

. Reviewed loan files for regulatory compliance deficiencies.

. Conducted and authored monthly flood reviews.

. Reviewed accounts and authored reports for Regulations D violations.

. Reviewed accounts and authored reports for Regulation CC violations.

Wrote training for same.

. Reviewed and authored

. Monitored and analyzed CRA data and prepared statistical reports for the

CRA/VP.

. Performed audit procedures, including identifying and defining issues,

developing criteria, reviewing and analyzing evidence, and documenting

processes and procedures.

. Provided reports on a regular basis, and as needed, to keep the

Corporate Compliance Committee and senior management informed of the

operation and progress of compliance efforts.

. Received, handled and monitored all judgments, liens bankruptcy filings

and civil law suits.

. Worked with Human Resources Department and others as appropriate to

develop an effective compliance training program, which included ongoing

training for all employees and managers.

. Ensured proper reporting of violations or potential violations to duly

authorized enforcement agencies as appropriate and/or required.

colonial Bank, Orlando, FL

10/1999-1/2007

Compliance Specialist

. Acted as an independent management review and evaluation body to ensure

that compliance issues and concerns within the organization were being

appropriately evaluated and investigated; recommended resolutions.

. Provided scheduled and spot-check reports, to keep bank officers

informed of the operation and progress of compliance efforts, and to

support new strategies as needed.

. Monitored the performance of the Compliance Program and related

activities on a continuing basis, taking appropriate steps to improve

its effectiveness.

. Developed programs to ensure compliance with all applicable federal and

state banking laws, regulations and rules.

. Identified potential areas of compliance vulnerability and risk.

. Developed and implemented corrective action plans for resolution of

problematic issues, and provided general guidance on how to avoid or

handle similar situations in the future.

Azalea Park Baptist School, Orlando, FL

1995-1999

4th Grade Teacher

Education

WEBSTER UNIVERSITY

BACHELOR OF SCIENCE: ACCOUNTING (2006)

AWC University

BACHELOR OF ARTS: EDUCATION

Valencia Community College

ASSOCIATE OF ARTS: MUSIC

Achievements & Special Certifications

SCHOLASTIC HONORS - DEAN'S HONOR ROLL, PRESIDENT'S HONOR LIST, PHI THETA

KAPPA

Undergraduate Business Honors - Cum Laude

Philanthropic Leadership

GREAT COMMISSION 501C3 CARE PROVIDER ORGANIZATION

Volunteer Director and Co-Founder of 'Homeless and Families-in-Need'

Caregiver

Mothers Against Drunk Driving (MADD) - Central Florida Chapter

Volunteer Court Monitor

Central Florida Helpline

Crisis / Intense Suicide Intervention Volunteer (Certification earned)

Meals on Wheels - Community Reinvestment Initiative

Volunteer Meal Delivery and General Services

Christian Coalition

Volunteer Meal Server and Transportation Facilitator

COMPUTER PROFICIENCIES

MS EXCEL, WORD, ACCESS, OUTLOOK, PROMERIT, LOTUS NOTES, WMS, MERS,

EASYLENDER, CLEARTOUCH, NAUTILUS, APY, APRWIN, HMDA RELIEF, CRA RELIEF,

TIMESHAREWARE, ORACLE, DAYBREAK, FISERV

References

AT REQUEST

Contact this candidate