Laura R. Vinson

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

South Plainfield, NJ 07080

732-***-****

acfxxj@r.postjobfree.com

Summary:

Financial Professional with twenty two years of banking in which fourteen years are in Management and

Auditing experience with extensive knowledge of the Financial Services Sector. Seeking an opportunity to

join a competitive company that will give me the ability to grow and utilize my skills as an Internal Auditor.

Skills:

•Well-Rounded experience and knowledge of Bank Auditing

•Internal Cash Counts Cash In Bank, ATM, BSA, SAR, Security Procedures and Safe Deposit

•Auditing Night Depository, all General Ledgers, Branch Compliance, Wires, Collections, Reg CC

•Payroll and Personnel, Deposit Maintenance, Now and Money Market, Time Deposit Accounts,

Regulation P, EFT and Regulation E, ACH Review

•Red Flag Identity Theft, Abandon Property, Closed Account, Open Accounts, Employee Accounts, Anti

Money Laundering, OFAC and SOX 404 Testing

•Extensive knowledge of Operation and Regulatory Compliance issues affecting Community Banks

•Write audit programs for the scope of internal audits

•Up to date on all Regulatory Changes pertaining to Institutions

•Matrix Testing and Sampling of Audits

•Knowledge of various PC and internet applications and tools to support KYC/AML Process

Experience:

Carver Federal Savings Bank, New York, NY

AVP/Retail Audit Officer (10/2012 – 12/2013)

•Develop a comprehensive internal audit program for the Bank. Perform financial, operational, and

compliance audits in accordance with the internal audit program.

•Review bank practices and records for compliance with established internal policies and procedures

•Develop recommendations for improving internal controls, operating efficiency, and the adequacy of

bank records and recordkeeping.

•Report audit findings and recommendations to appropriate management based on the results of regularly

scheduled audits, non-scheduled audits, and at any time when issues need to be addressed by

management.

•Conduct follow-up reviews of financial, operational, or regulatory compliance deficiencies noted during

audits.

•Completes audit work papers by documenting audit test and findings.

•Develop and Administer Business Continuity Plan, BSA and OFAC compliance policies and procedures

•Responsible for appropriate collection and examination of financial statements and documents

•Review Actimize daily alert exceptions, develop and record conclusions and action steps in Actimize.

•Make daily decisions on which transactions should be suspended or passed due over possible violations.

•Monitor activities of identified high/moderate risk customers

•Review and Approve New Accounts based on the Bank’s CIP/KYC policies and procedures.

•Prepare case files for review (e.g, media search results, copies of checks, statements, etc.)

•Perform investigations on suspicious activity using Bankers Toolbox System (BAM), Open Solutions

(OSI)

•Assist with the review of daily NRA Reporting

•Appraises adequacy of internal control systems by completing audit questionnaires

•Maintain internal control systems by updating audit programs and questionnaires, recommending new

policies and procedures

•Communicates audit findings by preparing a final report, discussing finding with Management

•Prepare special audits and control reports by collecting, analyzing and summarizing operating

information and trends

•Complies with Federal, State legal requirements by studying existing and new security legislation and

enforcing adherence to requirements, advising management on needed actions.

P&G Associates Auditors and Consultants Firm, East Brunswick NJ

Advanced Staff Auditor (09/2008 – 11/2011)

•Perform operational, financial and compliance internal audits for clients

•Review and access the adequacy of client’s internal control, policies and procedures

•Produce reports that include findings and recommendations for improvement

•Review Bank policies and procedures, Board Minutes and evaluate the effectiveness of the Bank’s

compliance with the laws and regulations

•Obtaining and reviewing interim financial statements and other financial information

•Maintain documentations such as business insurance policies, financial statements and collateral values.

•Ensuring that all loans adhere to bank lending policies

•Identifying problem loans and suggesting corrective action

•Report on the quality and structure of the bank loan portfolio

HSBC Bank, Parsippany, NJ

AVP/NJ District Operations Manager (12/2005 - 04/2008)

•Served as an Internal Auditor responsible to conduct operations and branch audits reviews for 17

branches

•Monitor accounts for suspicious activities and research of unusual transactions

•Analyze multiple reports for BSA/AML and USA Patriot Act compliance, apply red flags to suspicious

activity and contact appropriate bank personnel regarding the activity conducted by their clients

•Track and Escalate incomplete KYC for proper approval

•Review new accounts against OFAC for verification

•Identify, record, escalate and resolve exceptions found in KYC/CIP data

•Responsible for ensuring CTR’s and SAR’s are filed accurately

•Responsible for reviewing and ensuring all required AML/KYC Regulatory requirements for new

clients

•Ability to use sound judgment to determine due diligence quality and appropriate escalation steps when

necessary

•Monitor and Determine all Currency Transactions Report (CTR), Bank Secrecy Acts(BSA), Suspicious

Activity Report(SAR) and Anti Money Laundering(AML) to ensure bank is in compliance

•Facilitate/Deliver classroom training on Bank Regulations

Unity Bank, South Plainfield, NJ

AVP/Branch Manager (10/2004 - 08/2005)

•Responsible for increased sales through use of aggressive bank-wide marketing settings

•Manage deposits of $20M and loans of $6M

First Union/Wachovia Bank, Springfield, NJ

AVP/Financial Center Manager (03/2001 – 10/2004)

•Managed branch revenue of $88M in deposits and loans

•Responsible for all daily and weekly tracking of sales goals

•Required to increase branch by 1% of Book of Business Core Deposits

Penn Federal Savings Bank, Old Bridge, NJ

Branch Manager, (In-Store) (01-2000 – 02/2001)

•Manage a staff of seven employees

•Prospect Clients to increase core deposit growth by $2.5M for each quarter

Sovereign Bank, Union, NJ

Retail Training Specialist (11/1997 – 11/1999)

•Train new and existing employees on Bank’s systems, policies, products and new account

•Provide in-house and on-site conversion training

•Evaluate and recommend individuals for continued employment, reassignment or termination

Education:

Upsala College, B.A., Business Administration-(1988--1992)

American Institution of Banking- (1994-1997)

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