RICHARD D. GAY

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

Phone: 469-***-****

WORK EXPERIENCE

Lead Business Execution Consultant 08/2023 – 10/2023

Artech/Wells Fargo Remote Dallas TX

Lead the strategy and resolution of highly complex transformation initiatives and unique challenges related to Business Execution that require strong analytical skills, extensive knowledge of Business Execution, and understanding of business, delivering longer term and large-scale solutions.

Coordinates efforts between Risk Management and the Business Units on the resolutions of exception/exposure items and prepare responses on senior management inquiries.

Provide vision, direction, and expertise to senior leadership for implementing innovative and significant business solutions that are large scale and cross organizational.

Lead team meetings or steering committee to facilitate decision making and support implementation of recommendations and plans.

Present recommendations to develop, implement, and monitor strategic approaches, effectiveness of support function, and business performance improvement opportunities for managing risks of the business.

Strategically engage with all levels of professionals and managers across multiple lines of business and serve as an experienced advisor to the leadership.

Provide direction to a cross functional team using business expertise.

Analyze and develop credit modeling that helps the company to maximize profits and asset growth while reducing the credit and operating loss risks.

GOVERNANCE, RISK & COMPLIANCE ANALYST 11/2022 – 09/2023

IDC/USAA Remote Dallas TX

Participate in firm wide and other department projects initiatives as a subject matter expert to provide compliance guidance and interpretation of rules, regulations, risks, and best practices. Create and implement policies, procedures, training and communication of the new policies and procedures to support these projects.

Participate in the filing and creation of the assignment goals.

Mentor and educate team members on current industry technology and issues.

Identify security issues and risks and assist the risk owner in developing mitigation plans.

Document and recommend compliance controls.

Support audit and inspections

Experience in developing, implementing, and/or managing large-scale, high profile corporate programs.

SENIOR RISK & COMPLIANCE ANALYST 12/2022 – 02/2023

Aston Carter/Wells Fargo Remote Dallas TX

Able to articulate thoughts clearly, plan initiatives, and execute with appropriate urgency.

Coordinated and participated in the preparation of document packages for regulatory submissions from all areas of company as well as for internal and external audits and inspections.

Performs detail financial analysis and prepare credit assessments of domestic and foreign institutional and streetside trading counterparties.

Facilitates remediation of threats by working with other cybersecurity and IT teams.

Demonstrable analytical capability

Develop the strategic plan and roadmap to mature the initial implementation of our RSCA Compliance.

Monitored Dashboards for attempted compromise.

Leverage industry and technical expertise to assist management to address more effectively risks associated with the business.

Advise on key regulatory risk, concerns, implications, and regulatory requirements with reference to the specific business activities in scope or to the country/ local jurisdictions and expectations from regulators. Business groups include Corporate and Investment Banking, Commercial Banking, and Enterprise Functions

Assist management in the assessment of project risks and controls.

Apply the concepts of Enterprise Risk Management to help identify, assess, mitigate and proactively consider emerging risks.

Worked on Loan IQ commentarial loan system for data analyzing.

Senior Compliance Specialist/Team Lead /Contractor 01/2022 – 09/2022

Genuent/Union Bank Remote/Dallas TX

Complete compliance audits for Federal regulations (DFS) and LOB procedural requests Analyzed and recommended methods of improving work processes, measurements, and performance standards.

Prepared performance and audit reports for various business units. Using the RCSA operational risk assessment process to identify and evaluate operational risks and gauge the effectiveness of the organization’s controls in managing those risks.

Performed quality control reviews for all servicing units, Using pivot tables with VLOOKUP tool (collections, foreclosures, escrow accounts, investor remittances and other functions of loan servicing.)

Monitored data integrity and made corrections.

Examine loan documentation for accuracy and completeness. Performed special auditing projects as required.

Conducted testing of compliance to the Department of Financial Services.

Operational management which included the testing of internal controls.

Identify risk and document findings with logical recommendations for areas of improvement and impact of risk.

JIRA tool used to Plan, Track bugs and track, organize, and prioritize the bugs, detecting and removing of bugs in a software code that can cause software to behave unexpectedly or crash.

Participated in creating and executing the overall test automation strategy and solutions related to functional, smoke and regression testing as well as test data management and test environment strategy and provisioning using the Black Knight system.

Using a risk-based approach to audit testing, to focus on areas where risk is more likely to occur, identify areas of concern or weakness, and make recommendations to improve the internal controls.

Verify the existence and accuracy of legal and closing documentation.

Complete audit examination on the internal control of an entity to assess whether the control is efficient and effective and whether the auditor could rely on those controls or not for their audit purpose.

Senior Business Systems Analyst 06/2020 – 01/2022

Intercontinental Capital Group Remote Dallas TX

Setting project goals and coming up with plans to meet those goals

Maintaining project timeframes, budgeting estimates and status reports

Managing resources for projects, such as computer equipment and employees

Coordinating project team members and developing schedules and individual responsibilities

Implementing IT strategies that deliver projects on schedule and within budget

Using project management tools to track project performance and schedule adherence

Conducting risk assessments for projects along with SOX 404 and FDICIA experience

Organizing meetings to discuss project goals and progress.

Senior Business Systems Analyst 12/2019 – 05/2020

National Mortgage Staffing Remote Dallas TX

Provide day-to-day supervision of our department staff, offering mentorship, guidance, and support.

Lead recruitment, hiring, training, and employee development initiatives, fostering a high-performing and motivated team.

Develop and support IT control reviews, collaborating with other IT management leaders.

Identify opportunities to strengthen internal controls and compliance with company policies and regulations.

Build strong relationships with technology partners, providing valuable insights on IT risks and controls.

Ensure the execution of the technology control plan and overall performance of control procedures.

Drive continuous improvement and automation in the internal controls function.

Oversee audit/compliance documentation.

Support security projects aligned with the team's objectives.

IT project Manager, System Development 07/2017 – 12/2019

SLK Global Remote Dallas TX

Utilized my extensive knowledge in the mortgage industry to help develop a strategic vision of mortgage loan origination servicing and compliance technology – balancing best-in-class functionality with cost effective strategies.

Assists development teams during code review, unit testing as well as assist the Business with QA and UAT

With knowledge of the basic principles, processes, phases and roles of application development methodologies and software development life cycles (SDLC).

Ability to work collaborate with others to achieve the company and project goals.

Ability to succeed in an agile work environment where cross functional teams work closely together to ensure requirements are met or exceeded Served as subject matter expert, and provided input into strategic direction.

Internal audit and regulatory compliance experience specific to the mortgage industry,

Participating in overall assessment and testing of newly created compliance programs.

Interaction with internal and external vendors concerning new and updated guidelines and regulations.

Project manager on manual audits.

Daily monitor regulatory agencies for current and pending regulatory rule changes and updates.

EDUCATION

SOUTH OAK CLIFF HS

1977- 1981

Diploma

PROFESSIONAL SKILLS

Excellent analytical, decision making and time management skills. Mature planning, organizing and delegation skills.

Strong analytical and problem-solving skills to identify, analyze and mitigate GRC related risks in existing processes, policies, and procedures.

Demonstrable leadership and interpersonal skills with experience in mentoring team members

Strong experience in developing and managing technical solutions that include polished communication skills including the ability to actively listen to the needs of the business.

Skills in accelerating change

Strong knowledge and experience in managing complex project plans with interdependencies between many different projects and initiatives.

Experienced in but actively pursuing course completion for: QUALYS, AZURE, PYTHON, SQL, SOX, CompTIA, PCI, and SPLUNK, CISM

Skills:

Microsoft Office, Word, Excel, Outlook, Internet, Email, PowerPoint, Access, CPI Director, Rightfax, Microsoft Bookshelf, Micrografix, Lenstar, Desktop Underwriter, Loan Prospector, CLUES, SQL, Davox, Melita, Pacer, Lotus Notes, AS400, Rightfax, Fortracs, Home Saver, TMO. E Magic, Lepurd System, LoanWorks, LPS, LPI, DataTrac, LexisNexis, FILENET, Salesforce, FRS, OpenRisk, LenderLive, Agent Desktop, Default Workspace, Data Verify, FHA Connection, Neighborhood Watch, KROLL, Real Service, Back In the Black, Black Knight, FIS ACES Loan IQ Commercial loan system, VAULT, Servicing Analyzer, Encompass, KAIZEN, PYTHON. LiveLink, Scienna/Andor, Loan IQ, LAZARUS, Sharepoint,

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