Scott W. Harden
**** ******* ****** *****, ******** City, Texas 77459
A leadership position with a focus on improving and streamlining controls, process improvement, and compliance with laws, regulations, and company policies.
Audit, Risk, and Compliance Leader
Well-rounded director with extensive internal audit, regulatory compliance, risk management, process improvement, and consulting experience in a variety of industries.
Strong team-builder, with ability to effectively delegate, provide leadership and support and a team environment.
Strong communication, presentation and interpersonal skills.
Detail oriented to understand the company’s risk and responsibilities and identify streamlined solutions.
Client focused to keep internal and external clients informed and exceed their expectations.
Extensive knowledge of regulatory requirements in several industries; including financial services, banking and healthcare.
Conn’s Home Plus – Director of Compliance Monitoring and Testing 2018-present
Manage all compliance User Acceptance and Post Implementation testing for the Compliance Department.
Conducted compliance reviews of loan servicing, collections, and data privacy resulting in several significant changes to procedures and system calculations.
Manage regulatory complaint responses.
Manage Quality Assurance.
Manage responses to Internal Audit issues.
Alltran Financial, LP – Internal Audit Director 2013-2018
Managed all client and regulatory audits to ensure all audit requests were provided and issues resolved timely.
Performed risk assessments for 3 business lines; Financial, Government and Education, and Healthcare
Performed Company’s first Risk Assessment, which identified all regulatory requirements were identified along with ensuring controls were in place to ensure compliance. Risk Assessment was provided to and approved by the CFPB (Consumer Financial Protection Bureau).
Completed special projects to identify issues, identify solutions, and develop new procedures to streamline processes.
The Bank of New York Mellon 2007-2013
Senior Transaction Manager 2012-2013
Participated in successfully closing 20 complex CDO and Structured Finance deals to ensure they meet the Bank’s documentation standards, the Bank can perform the responsibilities assigned, and risks are mitigated.
Identified and corrected the Department’s Audit Issues.
Control Officer 2007-2012
Reviewed complex CDO and Structured Finance deals to ensure they are administered according to the legal document requirements.
Conducted fraud investigation of structured product deals and identified issues in 5 deals.
Uncovered excessive fee billings from program sponsor.
UHY-Advisors Internal Audit Manager – IT Houston Practice Leader 2005-2007
Identified IT control issues and solutions to ensure oil and gas and manufacturing firms, several with international locations, had the controls necessary to ensure compliance with Sarbanes-Oxley. In addition, successfully managed the Company’s first SSAE-16 audit of a major Houston hospital claims processing.
Fairmont Specialty Group Audit Manager 2004-2005
Identified reconciliation issues and recommended solutions for issues, which had been outstanding over one year.
Resources Global Professionals Consultant 2004-2004
Reviewed 3 data centers of a major security company to ensure IT controls met Sarbanes-Oxley requirements.
Implemented an Operational Risk Management System for a Bank Holding Company.
JPMorgan Chase Bank 1981-2004
Vice President and Risk Manager - Commercial Loan Services 1998-2004
Managed the successful recovery of the Department to its recovery site during a major flood.
Ensured proper IT controls were in place for the conversion of the loan accounting system.
Implemented changes to processes in a short time period to ensure compliance with a major regulatory change.
Developed and presented Risk and Control Training to the Department senior managers, supervisors, and employees to enhance the Department’s knowledge of controls, their purpose, and impact on their jobs.
Designed the Department’s Business Continuity Plan and directed annual tests to ensure its accuracy.
Vice President - Information Systems Auditor 1995-1998
Discovered numerous security access weaknesses, which led to an improvement in the controls over customer information.
Identified excessive access during a review of the Job Scheduling System. Controls were enhanced to ensure Bank and customer information is protected.
Trust Audit Manager 1992-1995
Directed the activities of four employees responsible for ensuring adequate controls over personal, employee benefit, and corporate trust accounts managed by the Bank.
Trust Compliance Officer 1990-1992
Created a trust compliance manual containing the major trust laws and regulations and their application to the organization. The manual ensured all government regulations over the managing of trust accounts were identified and procedures put in place to comply with the regulations. The Texas Bankers Association used this as a resource in developing its trust compliance manual.
Loan Operations Manager 1988-1990
Saved the Bank $30,000 annually by reducing staff due to the elimination of unnecessary procedures.
Identified inaccurate accounting for substandard loans, which led to improved procedures to ensure all loan balances are collected.
Financial Auditor 1981-1988
Discovered a $12,000 internal fraud resulting in a return of stolen funds, dismissal of employee and enhancement of controls.
Education and Certifications
BS Accounting - Auburn University
MBA - Auburn University
Certified Internal Auditor (CIA)
Certified Information Systems Auditor (CISA)
Certified Trust Auditor (CTA)
Completion of Project Management Program
Certificate of completion from the Cannon Corporate Trust School (3-year program)
Certificate of completion – ABA National Compliance School (Lending Compliance Program)