Management Manager

MARK D. BANKS

**** ********** ****, ********* *******, Ohio 44121

216-***-**** (c)

ace020@r.postjobfree.com

Results driven honorably discharged U.S. Air Force Veteran (HQ Air Force Office of Special Investigations, Washington,

D.C.), and middle level manager, with a strong background in the areas of operational risk management, corporate

compliance, IT risk, financial fraud investigations, organizational leadership, and labor/employee relations.

SUMMARY OF PROFESSIONAL SKILLS

Internal Audit/Fraud Investigations Operational Risk Management

Incident Management/BC/DR Regulatory Compliance and Reporting

(AML/BSA) IT Control Testing

Vendor Management Policy review and process design

Contract review and negotiation Root cause analysis, risk assessment, and due

diligence review (KYC/KYA, CDD / EDD)

System acquisition

Human Capital development

Management

Employee Relations

Regulatory interpretation

Organizational Leadership

Interpersonal relationship building

Business Ethics

SUMMARY OF ACCOMPLISHMENTS

* Created and directed the JP Morgan Chase Manhattan Mortgage Cleveland Fraud Investigations unit, which

successfully recovered over $15MM in Fraud Losses between 1st Qtr. 1999 – 1st Qtr. 2006

* Recovered $2.5MM in fraud losses in 2004, which represented a 15% increase in the 2004 Cleveland Site

financials

* Implemented multiple cost effective risk controls which provided a savings to the bank in excess of $50MM

client base

* Provided project oversight during the securing of a signature verification system for the Cleveland Site, thereby

limiting the bank’s exposure to potential risks, which produced a savings to the bank in excess of $65MM

* Designed risk controls for several procedural breaches that significantly reduced the bank’s risk exposure due to

Fraud and various Regulatory risks, thereby preventing potential brand risk and fines in excess of $1MM

* Successfully reduced the number of National Credit Union Administration (NCUA) findings from 10+ to 1 in

the area of BSA/AML Compliance thereby reducing exposure to a potential $50,000 in regulatory penalties

* Conducted process re-design surrounding the handling of official court documentation thereby reducing

Westfield Bank’s potential exposure to legal, regulatory, and brand risks, in addition to possible penalties and fines

PROFESSIONAL EXPERIENCE

WESTFIELD BANK APRIL 2013 - JUNE 2014

CORPORATE COMPLIANCE ANALYST

* Provide governance for the Bank’s various products and services (e.g.: CRA, ECOA, RESPA, UDAAP,

FLOOD, TIS/TIL, Complaint Management, BSA/AML, Security, Fair Lending and Monitoring, Indirect Lending,

Garnishments, Premium Finance, HR, Compliant Management, Deposit Operations, Vendor Management, Retail

Banking, and other products and services)

* Monitored testing results to identify weaknesses surrounding the bank's incident management program

LOGOS CONSULTING, Cleveland, OH MARCH 2012 – APRIL 2013

CORPORATE COMPLIANCE CONSULTANT

* Supplied consulting services in the areas of operational risk management, risk analysis/assessment, financial

fraud investigations, AML/BSA, OFAC, regulatory compliance, labor / employee relations, vendor management,

business continuance/disaster recovery/incident response, process design, internal audit, process implementation,

operational / IT internal control design, root cause analysis, and due diligence (i.e.: AML/BSA Internal Auditor

(Contract), for Huntington Bank, in Columbus, Ohio). Utilized SAS, Verifin, and Actimize systems.

CENTURY FEDERAL CREDIT UNION, Cleveland, OH FEBRUARY 2011 – MARCH 2012

CORPORATE RISK MANAGER

Responsibilities-

* Analyzed operational risk, ineffectiveness of controls, fraud trends, and risk metrics based upon current and

historical data, in his efforts to effectively lead CFCU

* Reviewed all disclosures, vendor contracts, and marketing communications, to confirm compliance with

applicable regulations and to minimize risk exposures

* Ensured the completion and quality of operational risk audits, internal audits, external audits, as well as risk

assessments to identify tolerances and limit exposures

* Executed operational internal control testing, including the completion of IT audits, to ensure continuous

regulatory compliance

* Managed fraud investigations, system alerts, and other regulatory compliance initiatives (i.e.: BSA/AML,

OFAC)

* Represented CFCU during interactions with various external officials during fraud investigations, external, and

regulatory audits

* Monitored data quality/integrity to increase operational effectiveness and reduce the potential for needles

spending by identifying trends, behaviors, and demographics associated gathered through report and system

analysis (i.e.: SARs, CTRs, Fiserv, Verafin)

* Maintained good interpersonal relationships with law enforcement, auditors, and other legal officials

* Administered various risk assessments and root cause analysis of CFCU policies, procedures, and operational

functions in an effort to identify process design ineffectiveness, meet regulatory requirements, and increase

productivity (i.e.: Enterprise Risk)

* Redesigned and managed the Third Party Vendor Management and Business Continuance/Disaster

Recovery/Incident Response processes.

* Directed, and mentored, branch staff with regards to issues that could increase CFCU’s exposure to risk, and

facilitated various trainings

* Managed other daily activities of the department (i.e.: preparing performance reviews, staff coverage,

terminations, and other activities).

LOGOS CONSULTING, Cleveland, OH. MAY 2008 - FEBRUARY 2011

CORPORATE COMPLIANCE CONSULTANT

Responsibilities –

* Supervised operational risk audits of processes, plans, and systems (i.e.: Ethics program, business continuance,

disaster recovery, incident response, health and safety) to minimize various risk exposures

* Managed the implementation of financial controls to reduce exposure to risks (i.e.: processes to influence the

segregation of duties, dual signers, cash handling, and other controls)

* Advised internal clients during regulatory audits, process re-design, creation and monitoring of remediation

strategies, as a result of inadequate controls or other regulatory concerns.

* Conducted fraud investigations of confirmed and suspected fraud cases.

* Analyzed processes, policies, and procedures to identify ineffective controls surrounding inherent, and residual

risks

* Educated clients in various areas of operational risk which included the identification of risk tolerances

* Implemented risk management plans and strategies to assist clients in the identification and the analysis of

financial and operational risk.

KEY BANK, Cleveland, OH MARCH 2006 – MAY 2008

SR. IT QUALITY ASSURANCE AUDIT MANAGER, Corporate Continuity and Recovery

Responsibilities -

* Governed the internal audit process as it related to business continuity, disaster recovery, and incident response

(i.e.: BIA and control testing) to mitigate and limit the banks’ exposure to risk

* Managed various process improvement projects to increase Key’s safety and soundness position in the

regulatory community

* Served as a member of various internal and external regulatory committees to assist in the identifying of risks,

and the designing of appropriate risk controls based on the use of process flows and other tools

* Directed the creation of audit reporting structures to aid senior management with human capital and other

concerns to ensure the timely completion of audits, test results, and potential remediation strategies

* Supervised the completion of various “gap and cost benefit” reviews of pre implementation initiatives to ensure

that the cost of the control did not supersede the benefit.

* Provided weekly departmental risk reporting, to Sr. Management, regarding the health of their risk management

efforts, and managed daily departmental activities

JP MORGAN CHASE BANK, Cleveland, OH JANUARY 1999 – MARCH 2006

ASSISTANT VICE PRESIDENT / CLEVELAND SITE MANAGER - Operational Risk Management and Fraud

Investigations Department

Responsibilities –

* Supervised various operational, financial, and internal audits in an effort to identify risk tolerances and limit

the bank’s exposure to various risks at the Cleveland Site (i.e.: statements, interest rate, and modifications)

* Executed operational internal control testing to ensure continuous regulatory compliance with various

regulations

* Provided risk oversight to departments during business continuance/disaster recovery planning and other

project initiatives

* Trained bank representatives on various components of risk management in order to establish a risk based

culture within high risk departments

* Assisted senior managers in interpretation of potential risks and control cost resulting from the result of ;

internal control test results, establishment / execution of remediation and mitigation strategies, implementation of

new processes, based upon established risk tolerances to ensure effectiveness

* Designed internal controls to reduce or eliminate various risk exposures for various processes (i.e.: interest rate

change authorizations )

* Monitored data quality/integrity to increase operational effectiveness and reduce the potential for needles

spending by identifying trends, behaviors, and demographics associated gathered through report and system

analysis (i.e.: SARs, OFAC, CTRs, Phoenix, Accurint, Verafin, and Actimize)

* Investigated customer initiated suspicious transaction claims, to identify the inadequacies of risk controls and

initiate prosecution efforts thereby reducing financial losses attributed to the Cleveland site

* Fostered ongoing interpersonal relationships between various judicial, law enforcement, external auditors, and

bank personnel to further enhance fraud investigation and compliance efforts

* Served as the subject matter expert, on behalf of the corporate interest, during various legal proceedings

requiring physical corporate representation, and committees (i.e.: U.S. District and Local Courts)

* Managed other daily activities of the department (i.e.: preparing performance reviews, staff coverage,

terminations, and other required activities).

EDUCATION / INTERNATIONAL STUDIES

* Baldwin-Wallace College, Berea, OH - CUM LAUDE

Bachelor of Arts, Organizational Leadership Systems, Certifications(s): HR Management,

Leadership

* Baldwin-Wallace College, Berea, OH

Masters of Business Administration, Management, expected August 2016

* Memberships - Baldwin Wallace University MBA Association, National Honor Society (Alpha

Sigma Lambda), Alpha Phi Alpha Fraternity Inc., Association of Certified Fraud Examiners

(ACFE) Advisory Council, Institute of Internal Auditors (IIA), Information Systems Audit and

Control Association (ISACA).

* International Study Tour – Intercultural Problem Solving, Ecuador, South America

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