Regulatory Compliance Management

Douglas S. Findling

**** **** ****** **. #*** ***************@*******.*** Telephone #

Southfield, MI 48075 775-***-****

SUMMARY

Highly qualified executive with extensive experience in the development and execution of compliance management programs for financial institutions. Leverage unique combination of compliance and process design knowledge combined with business acumen to fuel success. Demonstrate influential leadership, client relations and consensus building to achieve results. Develop automation strategies to improve efficiency in compliance processes. Research and analyze banking laws and regulations and devise high- impact risk mitigation strategies.

Core Skills

Implementation & Oversight of CMS

Relationship Cultivation & Management

Cross-Functional Team Collaboration

Policy & Procedure Design & Implementation

Banking Laws & Regulations Expertise

Regulatory Compliance & Testing/Audit

Leadership & Consensus Building

Employee Management & Development

EMPLOYMENT HISTORY

Flagstar Bank, FSB – Troy, MI April 2014 – Present Executive Vice President & Chief Compliance Officer

Administer all aspects of the Bank's Compliance Management Program, including development and maintenance of compliance policies and procedures, compliance risk assessments, complaint oversight, compliance monitoring and testing, compliance training and compliance automation systems necessary to demonstrate compliance with applicable laws and regulations

Provide subject matter expertise on design and implementation of compliance policies and procedures with Consumer Financial Protection Bureau, Federal Reserve Board and other banking regulations (e.g. TILA, RESPA, ECOA/Reg B, HMDA, FCRA/FACTA, Flood Insurance, Privacy, CRA and Fair Lending, BSA/AML and UDAAP)

Research, analyze and advise on banking laws and regulations to determine business impact and potential risk.

Managed process to implement applicable regulatory changes and establish mitigating controls.

Responsible for overseeing the Bank's compliance monitoring program, developing test scripts, execution of related compliance audits and provides management reporting of the state of compliance.

Advise the Board of Directors, Senior Management and Bank personnel of emerging compliance issues and guides the Bank in the establishment of controls to mitigate risks.

Develop and deliver annual compliance training for the Board of Directors, and assigns customized annual compliance training for Senior Management and Bank personnel to raise compliance skill levels and awareness.

Manage the audit and exam process with banking regulators, internal and external auditors, coordinating the collection and delivery of information, defense of potential findings and response.

Oversee a team of compliance professionals providing regulatory compliance guidance to the business and performing the periodic compliance monitoring and testing

Implemented the Actimize AML software platform for to manage CDD and activity monitoring processes. Citibank – Los Angeles, CA July 2012 – March 2014

Senior Vice President & Compliance Director

Developed and implemented a comprehensive compliance program for Citi’s Banamex USA (BUSA) subsidiary.

Liaised with Citi compliance and coordinate the execution of corporate compliance initiatives for BUSA.

Advised management on key bank regulatory compliance issues and coordinate the implementation of regulatory changes.

Developed Risk & Control matrices for BUSA

Managed the execution of compliance and fair lending risk assessments.

Ensured that adequate compliance training is developed and delivered to BUSA staff.

Managed regulatory relations and exams, as well as internal audits.

Oversaw the design and execution of the Compliance testing and monitoring programs.

Developed and execute a compliance focused oversight program of affiliated and non-affiliated vendors.

Provided program support to the Bank’s BSA Compliance Program

Managed the execution of remediation efforts related to a CFPB enforcement action.

Managed a team of 5 senior compliance officers.

Bank of Manhattan – Los Angeles, CA July 2010 – July 2012 Senior Vice President - Director of Compliance & Risk Management

Acted as the Bank’s Compliance Officer, BSA Officer, CRA Officer and Privacy Officer.

Provided management of regulatory affairs, regulatory policy development and regulatory compliance risks.

Oversaw compliance risk management activities for the Bank, its Holding Company and affiliate businesses.

Provided compliance advice and assistance to management and staff.

Oversaw compliance testing and monitoring program, including the tracking of issue resolution.

Communicated information regarding regulatory compliance issues and changes that impacted the firm to management

Develop and implemented a compliance a program for a newly formed mortgage division with an emphasis on consumer protection and fair lending requirements.

Managed Quality Control (QC) processes for the mortgage banking division.

Managed the resolution of consumer complaints.

Acted as management liaison with regulatory examining authorities on compliance-related matters and coordinated examination activities.

Established a risk-based compliance monitoring program.

Oversaw the Bank’s Anti-Money Laundering compliance program, including customer due diligence, suspicious activity investigations and government reporting.

Developed and implemented a comprehensive compliance training program, including BSA/AML training. Charles Schwab Corporation – San Francisco, CA October 2001 - June 2010 Charles Schwab Bank - Chief Compliance Officer – San Francisco, CA

Managed a risk based compliance program for the bank subsidiary of the Charles Schwab Corporation.

Participated as a member of the Bank’s Senior Management, CRA and Technology Oversight Committees.

Participated as a member of the leadership team for the Global Compliance Department of Charles Schwab & Co., Inc.

Implemented a comprehensive compliance risk assessment program that is used to increase the efficiency and effectiveness of the Bank’s compliance program.

Implemented software designed to improve the efficiency of the Bank’s compliance testing & monitoring program.

Provided compliance support for a charter change application that transitioned the Bank from being a national bank to a federal thrift, including the acquisition of trust powers.

Responsible for managing CRA, HMDA and Fair Lending initiatives.

Participated in the management of vendor issues related to regulatory compliance, including due diligence activities.

Developed and implemented training initiatives related to regulatory compliance

Participated in the development and delivery of new products.

Managed the compliance testing & monitoring function for the bank.

Maintained the Bank Compliance manual and other compliance resources.

Managed the resolution of complaints escalated to the Bank’s primary regulator.

Managed regulatory examinations by the OTS & OCC.

Provided compliance support to management & staff regarding day-to-day compliance issues.

Provided periodic reporting to the Board of Directors regarding the compliance program

Interfaced with the Bank’s Legal Department to escalate and resolve compliance issues. Charles Schwab Bank, N.A. – Director of Bank Compliance – San Francisco, CA

Managed compliance within the deposit and lending business lines.

Developed of policies, procedures and internal controls related to regulatory compliance for the Bank.

Reviewed and provided compliance feedback on advertising, marketing and other communications with the public.

Responsible for managing HMDA and Fair Lending processes for the Bank.

Provided Senior Management & the Board of Directors reports, analysis and MIS related to CRA Activities.

Provided compliance support to management & staff regarding day-to-day compliance issues.

Participated in the development and delivery of new products, including pledged asset mortgages, pledged asset lines of credit and Investor Checking.

Conducted periodic compliance training for various business units.

Developed resources to simplify the execution of compliance obligations for business partners.

Participated on due diligence teams when necessary.

Ensured that the BSA/AML/OFAC compliance program was implemented.

Designed a strategy to deliver deposit and non-deposit investment products on the internet and in Schwab offices in a compliant manner

Coordinated bank compliance activities with global compliance group. U.S. Trust Company, N.A. - Vice President – Chief Compliance Officer & CRA Officer – New York, NY

Managed the banking compliance function for the USTNA subsidiary.

Conducted comprehensive compliance risk assessments that were used increase the efficiency and effectiveness of the Bank’s compliance program.

Supported the firm’s Risk Management Department regarding the assessment and mitigation of regulatory compliance related risks.

Conducted reviews of compliance-related operational policies and procedures; making recommendations for improvements where appropriate.

Conducted compliance testing to mitigate compliance risk.

Coordinated standardization of national policies and procedures related to consumer compliance.

Developed a comprehensive compliance program and its associated compliance manual.

Provided support to in the consolidation and standardization of products, processes and internal controls in an effort to improve efficiency and profitability to meet the banks business objectives.

Acquired a web-based compliance training to improve the efficiency of the delivery of required compliance training.

Managed consumer compliance examinations conducted by bank supervisory agencies.

Conducted compliance testing to mitigate compliance risk.

Responsible for managing CRA, HMDA and Fair Lending initiatives.

Participated as a member of the firm’s Bank Management, Banking Oversight, Credit Policy and CRA Committees.

Provided guidance to the firm’s BSA compliance unit.

Assisted in the implementation of Mantis software to provide an automated method to detect potential money laundering and potential suspicious activity.

Acted as the primary liaison for the Corporate Compliance Department with U.S. Trust Company of New York’s Private Banking division and U.S. Trust Mortgage Service Company on issues pertaining to regulatory compliance.

Coordinated compliance support for the consolidation of 7 banking charters into 2 surviving charters. City National Bank of Florida – Miami, FL June 1998 – September 2001 Vice President - Compliance Manager \ CRA Officer \ BSA Officer

Responsible for maintaining consumer and currency compliance programs to ensure ongoing compliance.

Developed and conducted training of bank staff related to compliance with bank policies, laws, and regulations.

Managed the resolution of customer complaints received by the bank.

Participated in product development and modifications to ensure regulatory compliance.

Reviewed bank manuals and made recommendations regarding compliance and internal control issues.

Maintained compliance with all aspects of the Home Mortgage Disclosure Act.

Implemented a process to quantify staff compliance performance for evaluation by management.

Participated in the development of the bank’s website, including the electronic delivery of consumer and commercial products and services.

Implemented a comprehensive CRA Compliance program that included timely & accurate reporting to help the bank manage its CRA performance.

Managed compliance with the anti-money laundering requirements.

Developed model used to identify possible suspicious activity.

Implemented the privacy provisions of the Gramm-Leach-Bliley Act.

Managed examinations by federal banking regulators. Korea Exchange Bank – New York, NY December 1996 - May 1998 Compliance Officer \ CRA Officer \ BSA Officer

Responsible for developing, supervising, and reviewing a comprehensive compliance program addressing banking laws and regulations for 8 branches and agencies operating in 5 states within the United States.

Created and maintained operating manuals, procedures, and other written materials relating to regulatory compliance.

Examined all aspects of US operations for compliance with laws, regulation, policies and procedures relating to consumer compliance, bank secrecy, community reinvestment, and security.

Developed an automated process for identifying suspicious cash activity. Prepared and filed Suspicious Activity Reports.

Made recommendations and monitored corrective actions for deficiencies identified by compliance reviews, internal audits and regulatory examinations. Provided regular reports to senior management.

Provided regular compliance training to personnel.

Maintained community contacts and promoted the banks' CRA programs.

Developed programs for meeting the banks' complex CRA compliance requirements.

Furnished support to the bank's Central and South American operations.

Managed the implementation of processes which led to the removal of a Memorandum of Understanding with the Federal Reserve Bank of Chicago.

Obtained a CRA wholesale designation for the bank’s Chicago Branch. Jefferson Bank of Florida – Miami, FL January 1994 - December 1996 Vice President - Compliance & CRA Officer

Responsible for formulating and maintaining consumer and currency compliance programs.

Maintained a proficient knowledge of applicable laws and regulations.

Developed and conducted training of bank staff pertinent to compliance with bank policies, laws, and regulations.

Assisted in the development of the bank’s initial internet advertisements.

Managed the resolution of customer complaints received by the bank.

Participated in the development of new products and modifications to ensure regulatory compliance.

Established a compliance monitoring system.

Conducted compliance audits of all bank divisions.

Reviewed bank manuals and made recommendations regarding compliance and internal control issues.

Audited, analyzed and submitted the bank's HMDA data.

Managed the bank's CRA compliance program.

Acted as the bank's liaison with community groups and civic leaders.

Established and participated on the bank's CRA Committee.

Provided technical and operational support to the bank's Bank Secrecy Act compliance program. ACTIVITIES (Present & Past)

Member of the Advisory Board of the Fannie Mae Mortgage Lending Program at MDCC

Vice Chair of Broward Housing & Community Development Task Force

Member of the FastTrac Coalition

Member of the Metro-Miami Action Plan Community

Development Committee

Member of the Executive Committee of the Florida Banker's Association Leadership Division

Member of the Palm Beach Affordable Housing

Collaborative

Member of the Broward CRA Roundtable

Member of the Palm Beach CRA Roundtable

Member of the South Florida Compliance Association

Member of Neighborhood Housing Services of New York's Contribution Committee

Instructor for the American Institute of Banking (Broward Chapter)

Volunteer for Habitat for Humanity

EDUCATION

Michigan State University

East Lansing, Michigan

1981 - 1984

American Banker's Association

National Compliance School

Norman, Oklahoma 1992

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