Bernard Allen Heeke, Jr.

407-***-**** add705@r.postjobfree.com linkedin.com/in/AllenHeeke

SENIOR CONSUMER COMPLIANCE SPECIALIST/ANALYST

Directing Legal Compliance Operations by Implementing Targeted Plans to Maximize Successes

Senior Level Compliance Specialist/Analyst with strong business acumen and a proven approach to streamlining compliance, monitor and research new federal and state laws changes, developing and managing regulatory change process, developing best in class compliance policies and procedures for compliance regulations, establishing testing and risk controls and processes for compliance management programs, reviewing and updating materials for regulatory compliance and corrective actions, reviewing complex data for compliance violations and updating management as to solutions for improving customer relationship management, and effectively leading top-performing teams committed to delivering superior results.

CORE COMPENTENCIES

Legal Research and Review • Independent Compliance Risk Management • Risk Controls and Testing • Analyzing Data • Compliance Management Program • Legal Analysis• Regulatory Compliance Expert • Risk Management • Staff Training & Management

EXPERIENCE

FISERV/SAGENT LENDING TECHNOLOGIES, Lake Mary, FL

Specializing in Core Banking Software to Financial Institutions

Senior Consumer Compliance Specialist/Analyst 2014-2020

Lead the efforts of the independent compliance risk management staff in all aspects of complex mortgage regulatory issues within the compliance management program, risk controls and testing for compliance matters, developing and managing regulatory changes process, developing best in class compliance policies and procedures for compliance management program, monitor and research new federal and state laws changes, monitor and review all regulatory policy and procedures, establish testing and risk control policies and procedures, investigate and document compliance risk matters to present to upper management, maintain and edit compliance program documents, review and report new legal changes to staff and management, kept ICRM in compliance with all banking regulations including compliance with KYC, COPPA, GDPP (EU Data Security), CPPA (California Data Privacy), NYDFS Cyber Security, FFIEC, TCPA, TRID, HMDA, ECOA, AML, OFAC, SAR, FCPA, FCRA, UDAAP, Dodd Frank Act, GLBA, DNC, TILA, RESPA, ACH, Regulation E, Regulation O, AML, represented Fiserv in compliance audits by regulators, performed audits and testing, and other legal requirements for the financial industry.

Achievements

Lead companywide regulatory changes for the Freddie Mac and Fannie Mae Investor Reporting changes including documenting all changes and reporting the findings to upper management. Changes completed on time and $300,000 under budget.

Lead companywide compliance risk management for policies, procedures, risk controls and testing for regulatory investigations and process flows. Streamlined the process for company savings of $100,000 per annum.

Lead teams to develop policies, procedures, and risk controls using underlying data to comply with new regulations as well as determining changes need for other policy and control documents.

Recognized by CFPB as an expert in consumer compliance regulations.

Recognized as an expert in consumer law by the Florida courts.

LAW OFFICES OF B. ALLEN HEEKE, JR. LLC., Orlando, FL

Specializing in Real Estate and Compliance Law

Consultant/Attorney 2011-2014

Representing investors and lending institutions in real estate contracts and mortgages, reviewing loan files for compliance with various state and federal regulations and develop training manuals. Advise

clients on compliance with KYC, ECOA, HUD, FDIC, AML, OFAC, GLBA, Dodd Frank Act, UDAAP, FCPA, RESPA, TILA, and FCRA. Recognized as an expert in mortgage compliance law. Martindale-Hubble rated BV.

DISNEY VACATION CLUB, Celebration, FL

Offering the Disney experience with time-share vacation villas.

Senior Compliance Specialist 2008-2011

Guide the efforts of Disney management in all aspects of complex legal issues, including compliance with ECOA, AML, OFAC, SAR, TCPA, FCRA, UDAAP, Dodd Frank Act, GLBA, DNC, TILA, RESPA, Patriot Act, UK Bribery Act, UK Money Laundering Laws, ACH, Regulation E, compliance audit and testing, and other regulations. Researched using data possible regulatory violations. Developed unique compliance solutions for management as to regulatory matters within company risk tolerance.

Achievements

Design, develop and implement policy, procedures, curriculums and manuals for as to compliance laws. Later was developed for training all employees.

Developed methods to reduce costs of and open new markets due to stream lining compliance with AML, FCPA, OFAC and other compliance laws.

ATTORNEY’S TITLE INSURANCE COMPANY, Orlando, FL

Dedicated to preserving and facilitating the real estate practices of 6,000 member attorneys in their protection of the public.

Senior Underwriting Counsel 2006-2008

Guide the efforts of legal and business staff in all aspects of complex legal issues, including compliance with AML, HUD, GLBA, TILA, RESPA, FCRA, OFAC, SAR, Patriot Act, HMDA, CRA, lender's closing instructions, review loan files and title files for compliance with state and federal laws, and other legal requirements. Train and mentor personnel on involving sales, purchasing, lending, and compliance. Developed and implemented compliance department. Advised board as to compliance risks within the company.

Achievements

Design, develop and implement policy and controls involving compliance laws which effectively reduced losses by more than $2M and generated $6M in revenue.

Teach AML, RESPA, OFAC, SAR, HMDA, CRA and compliance practices to staff in 30 states.

Established programs for Risk Management to reduce costs by more than $6M.

Authored articles on compliance issues.

EDUCATION

JURIS DOCTORATE

Mercer University

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