Financial, Operational and Credit Risk, Compliance and Quality Control

Sharon Williams

704-***-**** ***************@********.**.***

Charlotte, NC 28277 linkedin.com/in/sharon-williams-b881b461/

Highly Accomplished Risk, Compliance and Quality Control Executive

Global consultant & financial services executive. A seasoned professional within the Financial Services Industry. Offering strategic leadership experience in development and implementation of an advanced platform of risk, compliance and quality management services, processes, tools and technology to drive solutions, maximize return on investment and ensure client satisfaction. An industry expert and analytical decision maker with exceptional supervisory and mentoring skills and the ability to leverage skills across the organization to bring solutions to execution. Domain expertise in Credit Analysis, Process and Performance Optimization, Data Analysis and Reporting, Performance Measurement and Management. A reputation for ideation, strong leadership and the ability bring solutions to successful execution and deliver exceptional results year over year.

Key Strengths

Credit Risk Management Quality Control Compliance and Regulatory Program Implementation Residential Mortgage Credit Policies & Guidelines Underwriting Quality & Process Improvement Secondary Market Pricing Sales & Delivery All Forms of Audits Fraud & Loss Mitigation

Corporate Finance Public Sector & Finance Hedging Interest Rate Risk Management

Asset and Liability Management Trade Financing Project Management

Experience

Sr. Operational Risk Consultant

Wells Fargo March 2020 – Sept. 2020

Responsible for development, implementing and monitoring risk-based programs to identify, assess an mitigate operational risk that arises from inadequate or failed internal processes, regulatory compliance/requirements, people, systems or external events, while maintaining a balance between risk mitigation and operational efficiency. Work with complex business units and provides operational risk expertise and consulting for projects and initiatives with high risk. Evaluate the adequacy and effectiveness of policies, procedures, processes, systems and internal controls, analyze business and systems changes to determine impact. Manage and coordinate production of periodic operational risk performance reports for senior management, including trend analysis and recommended strategies.

Establish Project Plan; Initiatives and Task List and maintain governance structure.

Developed and defined scope of project plan, scheduling and procedures to achieve project objectives.

Created Operational Risk Program Guidance Policies and Procedures to align with Regulatory Compliance Requirements and Internal Policies, and in alignment with the company’s overall Risk Appetite across all business lines.

Develop framework and processes for Annual Risk Assessment, Quarterly Risk Assessment, and Monthly Key Risk Indicators.

Identify, develop and provide governance and monitoring for RAM’s and KRI’S across all frontline business groups, including WIM, TPE, Information Management, Technology, Business Resiliency, External Fraud, International, Business Banking (Small Business Services.

Manage and/or coordinate production of monthly, quarterly and periodic reporting of operational risk performance reports for senior management, including trend analysis and recommended strategies.

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NTT Data Inc. 2019 - 2020

Business Consulting Manager, Mergers and Acquisition, Risk and Regulatory Compliance, Charlotte, NC

Responsible for large scale project management team of two of the top 6 Fortune 500 Banks. Strategic Sourcing Synergies from asset and people consolidation to realize overall target for Spend and Save reduction. Leveraged partnerships across the business/functions, Sourcing and Finance to include Third Party Synergies Initiative Category Management, Corporate Programs and Contingent Workforce Programs to capture full synergy opportunity savings initiatives. Realization of impact through budget process, Sustainment of impact through governance and PMO processes, Consolidation of spend decisions within sourcing.

Establish Project Plan; define and maintain governance structure.

Develop and maintain cadence for reporting and Tracking.

Work with Management to identify solutions and drive plan for integrating systems.

Schedule and drive working meetings with Stakeholders as required.

accenture 2009 – 2019

Manager, Credit Risk, Compliance and Quality Control, Charlotte, NC

Accountable for development and implementation of Credit Policy/Guidelines, Credit Quality and Call Monitoring Controls fulfillment policy and process with a “Right Shore” solution for this market leader in the provision of business process outsourcing services and mortgage and compliance as a service to residential and commercial lending institutions globally. Manage large scale project for development of policies, procedures and guidelines for credit, risk, regulatory compliance, quality control and quality assurance.

Responsible for data management and governance, risk assessment, resolution of operational issues, complex data analytics and processes including the analysis and development of data used in creation of various reports to senior management.

Developed and defined scope of project plan, scheduling and procedures to achieve project objectives.

Define organizational structure, identify and staff roles for key positions for project team.

Lead and set direction, assign work and coordinate activities across organizational functions.

Responsible for development and implementation of controls for evaluation, tracking and reporting for progress and status of deliverables.

Implement and communicate credit policy practices throughout the Retail Fulfillment Center to credit authority delegated staff including Underwriters and AUS certified processors.

Manage Team of Credit Quality Auditors responsible for review and response to Quality Control audit findings and Underwriting Performance Review results.

Created internal base credit policy/guidelines for conventional loans originated for sale and delivery to Fannie Mae and Freddie Mac.

Build and Customization of Regulatory Compliance Policies for presentation to Clients

Created standalone credit policies with corresponding checklist to align with Fannie Mae and Freddie Mac requirements.

Created checklists for screen configuration and system enhancement to support loan underwriting process.

Developed standardized master conditions list, decline policy/procedures to include adverse action reasons and alignment to HMDA codes.

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Created Suspense waterfall and collaborated on development of screen configuration

Developed Underwriter Signing Authority and Conditions Management Policy

Integrated, trained and certified offshore workforce to a shared process from building the curriculum to audit execution for graduated sample size based on loan complexity and loan status

Content development for material used in the Mortgage Academy to train and develop new talent flow with required skillset for processing and underwriting.

Equifirst Mortgage Corp. 2005-2009

Manager Quality Control

Managed the process on purchase, sale and securitized transactions and overall due diligence coordination and deal management of bulk purchase sale transactions.

Managed Pre-Funding Quality Control Auditing to ensure loans meet Investor and regulatory agency requirement/guidelines.

Successful implementation of credit policies and procedures to minimize risk and potential default.

Successfully analyzed and reviewed loans for Repurchase demands due to possibly misrepresentation resulting in savings to the company of $50M

Additional Relevant Experience

Decision One Subsidiary of HSBC

Senior Quality Control Auditor

Managed Pre-Funding and Post-Funding Quality Control Auditing to ensure loans meet Investor and regulatory agency requirement/guidelines.

Evaluated Repurchase Demands from Fannie Mae and Freddie Mac resulting in successful appeals and savings of $4.5M over a 6-month period.

Operations Manager, Corporate Merchant Bank, Kingston Jamaica/Dehring Bunting & Golding

Evaluated financial needs, raise capital for small to medium size companies to create long term growth or acquire business.

Identified and managed company Risk Management, Trade Financing, Interest Rate Risk, Debt Restructuring, Short Term Financing and Asset Liability Management.

Advisor on Mergers/Acquisition and IPO

Education

Institutional Management/Dietician, University of Technology, Jamaica, W.I.

Drexel University, Nutrition

Mortgage Banker Association, Underwriting, Quality Control, Fraud Prevention Management

Mortgage Backed Securities Secondary Market

Certifications

Leadership and Developing Our Women Certified Fraud Examiner

Member Global Association of Risk Professionals Member MBA

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