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WENDY SILVA

**** ******* **** * *********, MN 55068

612-***-**** wesilva1234gmail.com

SUMMARY

Performance driven and accomplished Banking Professional with demonstrated strength of industry knowledge across many business areas, while emphasizing consumer lending quality control, operational effectiveness, risk reduction, improving processes and ensuring compliance. Proven for consistently delivering results and solutions involving data integrity, analysis, research, regulatory compliance, specifically related lending compliance considerations, management reporting, and communication, while enhancing efficiencies and accuracy. Adept at inspiring others for excellence with hands-on interaction and collaboration, practical problem solving, providing guidance in training teams on policies, procedures and protocols, ensuring compliance and workflow. Ability to work independently on efforts, achieving desired results. Recognized as active contributor, achieving success in all lines of business involved in lending activities.

Expertise in:

Fair Lending - CRA - Flood - HMDA Program Management/Development Team Building / Development

State / Federal Regulatory Compliance

Talent Management

Customer Relations

Data Analysis / Research

JOB HISTORY / EXPERIENCE

MIDCOUNTRY BANK, Bloomington, MN 2014-2019

Loan Compliance Risk Specialist (Liaison)

Responsible for ensuring the Bank’s consumer and business lending products and practices are compliant with all applicable state and federal lending laws and regulations and related company policies and procedures - working closely with Senior Management to establish compliance risk management procedures that are consistent with the Bank’s Compliance Risk Management Program and Policy, and for ensuring the procedures are observed for reporting to the Board of Directors on their ongoing implementation.

Ensure the Bank is in compliance with consumer and business lending products and practices 2

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Maintain up to date knowledge of regulations affecting Bank lending products and practices, disseminating information to appropriate personnel Serve as SME on various lending related topics including, but not limited to, HMDA, Flood, Fair Lending/Reg B, RESPA/Reg Z (including TILA, TRID), and CRA. Also as resource for team members for Military Lending.

Quality Control tracking program developed and implemented via Sharepoint Site – Designed to capture occurrences of regulatory violations and Quality exceptions and ensure errors are resolved, and follow up training/coaching, where warranted, is delivered timely. Perform Risk Assessment, where applicable to lending related activity, and follow up on any action items or gaps identified.

Partner with Corporate Compliance and Audit Departments Act as liaison between business unit management and Corporate Compliance/Internal Audit, assisting in collecting requested items for reviews, audits and exams. Created, maintained, and leveraged a close partnership with members of the MCFC Compliance and Audit Departments, which allows for an effective approach to compliance mandates, regulatory changes, and responses to Compliance Reviews and Audits Findings. CRA, and other Special Projects

CRA Steering Committee and CRA Management Committee member; contributions include performing data analysis for the CRA Lending Tests. Utilized vendor software (RATA and Associates) for importing of various data, Geocoding, and generating of necessary reports to assess the bank’s CRA performance and contribute to the preparation (and maintenance) of the bank’s Performance Evaluation (PE – Context document).

Contribute to the maintenance of the bank’s CRA public file and respond to any public requests Committees:

CRA Steering Committee

CRA Management Advisory Committee Compliance Management Committee Fraud Committee BREMER FINANCIAL SERVICES, St. Paul, MN 2002 – 2013 Compliance Consulting Services – 2005 – 2013

Fair Lending Consultant / Officer

Served as Fair Lending Consultant and Subject Matter Expert on Fair Lending, Regulation B, FHA, and ECOA for all business lines in 9 Charters across 3 states, including Retail, PCS, Mortgage, and Commercial 3

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/ Small Business / Ag Lending. Contributed to overall regulator satisfaction. Performed fair lending data analysis and research, at direction of Legal Counsel, to ensure compliance met regulators expectations. Advised internal clients regarding analysis results for HMDA data, Mortgage Loan Originator pricing, and indirect auto lending. Maintained and monitored Bremer’s Fair Lending Program, including annual Fair Lending Risk Assessment. Represented compliance where impact on Fair Lending Program anticipated. Point of contact for outside examiners (OCC). Provided research and other data analysis, supported ongoing business lines. Ensure published procedures facilitated compliance. Improved analysis accuracy as advanced user of Fair Lending Wiz software by performing fair lending data analysis and research under direction of Legal Counsel, delivering results summary, including HMDA data, MLO Pricing, Indirect Auto Lending.

Maintained and monitored Bremer’s Fair Lending Program, publishing program internally for employee resources, ensuring program strength.

Met regulatory requirements by reviewing processes on technology’s work efforts, anticipating impact on Fair Lending Program, ensuring continued compliance. Enhanced company’s program by following industry trends, remaining current on Fair Lending, FHA, ECOA, and Regulation B cases, settlements and issues, ensuring proactive reaction to new enforcement actions or suits, determining lessons learned and whether action warranted. Reduced risk of violations by conducting regular monitoring of loans requiring flood insurance, reviewing and confirming required flood insurance in force, ensuring effective tracking system, reporting findings to management, implementing corrective action when appropriate. Enhanced workflow by providing coverage for company’s Compliance Call Center and Hotline for all business line regulatory inquiries, ensuring quality service for internal clients. BREMER FINANCIAL SERVICES (Continued)

Loan Origination Project Team Member / 2004 – 2005 Retail Credit Support (RCS) Department Lead

Coordinated the creation and implementation of the Retail Credit Support including service level agreements, analyst hiring and training, volume estimates and monitoring. Received 2004 Best of Bremer / Bravo Award and San Francisco trip for excellence in resolving lien perfection issues for real estate secured assets and impactful project team efforts, implementing company’s new centralized retail underwriting department. Supervised quality control, training, advisor for analysts working with bankers and managers on retail credit applications processed through ROLS (Retail Loan Origination System). Provided feedback and support to RCS Management for following up with field representatives and staff. 4

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BREMER BANK – TWIN CITIES, South St. Paul, MN 2002 – 2005

Consumer Loan Review Manager

Developed and implemented Centralized Validation process for Twin Cities Retail Branch loan origination including process / procedure establishment, pilot and full rollout communication, implementation, service level agreements, analyst hiring and training, volume estimates and monitoring. Improved procedures by serving as point of contact for escalations and or challenging verification and documentation issues, recommending lender coaching efforts, working closely with Management for proper approval of higher risk credit decisions or non-standard verification methods. Enhanced accountability and effectiveness by managing Validation Analysts staff, coaching, and providing ongoing training, performing annual performance reviews and periodic one-on- ones, ensuring quality. Ensured quality as ongoing database administrator for Access based Loan Application Program (LAP), including facilitation of programming changes, Lending Authority and User Table maintenance, and troubleshooting.

Achieved portfolio quality by monitoring and resolving audit findings, fraud issues, and lien perfection, determining training opportunities and corrective action, including creating solutions through process and documentation enhancements and improvements and lender tools. Reduced errors and delays by conducting monthly quality call for Twin Cities lending staff, covering common issues, improving performance.

ADDITIONAL RELEVANT EXPERIENCE

U.S. BANK / FIRST BANK, St. Paul, MN (1984-2001)

Project Manager, Retail Loan Origination Support

Unit Manager, Consumer Loan Review and Central Underwriting Telephone Support Unit Manager, Pre-Close Underwriting Analysts

Credit Analyst / Reporting Database Manager, Consumer Loan Review Personal Banker and Small Business Banker, Branch Sales Sales Assistant / Teller

EDUCATION

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Courses towards degree in Music Education, University of Illinois, Champaign / Urbana, IL Courses towards degree in Business Management / Accounting, Prairie State College, Chicago Heights, IL Courses in Banking Law and Accounting, American Institute of Banking, Twin Cities, MN COMMUNITY SERVICE

Feed My Starving Children Rebuilding Together, Twin Cities Former Treasurer, League of Women Voters / St. Paul Chapter Second Harvest Heartland – Food Shelf Shifts

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