DEBORAH ADAIR, CRCM

P O Box ******, Bedford, Texas 76095 admu6i@r.postjobfree.com 817-***-****

Regulatory Compliance, Operations, Risk / Organizational Management Over 20 years of experience within the banking and financial services industry, including more than 17 years in management and 12 years in financial regulatory compliance. Extensive background in risk assessment and risk management practices. Experienced in identifying, researching and addressing financial compliance and monitoring issues.

KEY COMPETENCIES

• Team Management

• Excellent Verbal and Writing Skills

• Research and Analytical Skills

• Detail and Results Oriented

• Self-Starter and Multi-tasking Skills

• Word, Excel and PowerPoint skills

• Interpersonal Skills and Strong Liaisons

• Business Development

• Creative Problem Solving

• Public Speaking and Training

PROFESSIONAL EXPERIENCE

Compliance QA, 2019 to 2021

Capco, LLC (LevelUp), Phoenix and Dallas, TX

Reviewed, analyzed and quality controlled with the remediation of organizational policy systems and corporate records to implement best practices, effective operations and compliance with applicable federal and state laws and regulations concerning the finance industry and best practices.

• Lead a team of nine (9) reviewers for the completion of an extensive regulatory compliance review.

• Developed reviewers to attain the highest quality of daily workproduct.

• Ensured that daily goals and production schedules were met by the team.

• Quality Controlled over 80% of team’s production. (Expectations were 10%).

• Maintained a high level of individual reviewer’s satisfaction and resolution. Compliance Analyst and SCRA SME, 2015 to 2019

Santander Consumer USA, Dallas, TX

Responsible for the daily management and remediation of organization policy systems and corporate records to implement best practices, effective operations and compliance with applicable federal and state laws and regulations concerning the finance industry and best practice.

• Established an SCRA Compliance Oversight Program to define objectives for managing compliance risks associated with the business operations, processes and procedures involving servicemembers.

• Performed ongoing monitoring of SCRA compliance in accordance to the regulation and DOJ Consent Order

• Reviewed SCRA-related complaints and trends for process gaps and areas of negative customer experience

• Assisted with the development and maintenance an effective training and development program for the SCRA Consumer Compliance Team

• Conducted regular side by sides with business process managers to understand control environment

• Engaged in business process activities and provided credible challenge and promoted information sharing and expertise across the organization

• Reviewed SCRA-related communications for content and regulatory compliance

• Stayed abreast of regulatory trends/changes and disseminating that information within the Compliance department

Regulatory Compliance Manager, 2013 to 2015

Crowe Horwath, LLP, Dallas, TX

• Responsible for managing multiple teams and providing performance feedback to all members of those teams at the conclusion of engagements.

• Anticipated and addressed client concerns and resolving problems as they arise within engagement.

• Conducted detailed testing to review financial institution policies and procedures.

• Kept abreast of industry developments and their effects on client's competitive position.

• Kept abreast on regulatory Compliance updates.

• Maintained knowledge on all compliance and privacy laws.

• Applied sound judgment and leadership to decide appropriateness of modified solution, need for further analysis or when solution is no longer viable for financial institutions.

• Strengthen client relationship to build strategic alliance with client and position for additional opportunities.

VP Compliance, CRA Officer, 2012 to 2013

Viewpoint Bank, Plano, TX

• Developed, implemented and administered all aspects of the Bank’s Compliance Management Program.

• Planned, organized, and controlled the Bank’s day-today lending and operational compliance activities; collaborates with the Director of Compliance and Risk Management in the overall execution of these directives for the Bank.

• Responsible for compliance related policy and procedure development, implementation and compliance risk management.

• Ensured the institution follows all laws and regulations.

• Assumed a leadership role in administration and reporting of the Home Mortgage Disclosure Act and Community Reinvestment Act related programs.

• Performed direct supervisory duties of assigned department staff, coordinate staff for coverage in assigned areas of the department and required to be fully knowledgeable and skilled in all areas of the department.

SVP Loan Compliance, CRA Officer, Corporate Trainer, 2007 to 2012 Woodhaven National Bank, Fort Worth, TX

Responsible for developing, implementing and administering all aspects of the Bank’s Compliance Management Program and for ensuring proper and timely preparation/submission of regulatory and other bank reports. Interact with evolving compliance issues relating to the USA Patriot Act, Customer Identification Program, Red Flags if ID Theft, Pandemic Planning and BSA/AML/CRA. Fully knowledgeable and skilled in areas of the department, assures compliance with all bank policies and procedures, as well as, all applicable state and federal banking regulations. Responsible for providing support and guidance to lending and depository compliance efforts managing various administrative duties of the Bank:

• Planned, organized and controlled the Bank’s day-to-day administrative audit/operations/compliance activities.

• Provided support and guidance to lending and depository compliance efforts; committee and audits.

• Provided support and guidance to the Bank’s BSA Officer to ensure compliance efforts are maintained daily.

• Provided support, guidance and participation with activities related to the Bank’s CRA compliance efforts.

• Provided support and guidance to the Bank’s Security Officer in robberies, fraud and fraud prevention.

• Conducted staff training related to new hires, compliance and customer service.

• Collaborated with the Bank’s Cashier in the overall administration of lending and depository compliance activities of the Bank to ensure department runs smoothly and efficiently by providing leadership, training and supervision within the department.

EDUCATION

Consumer Credit Compliance Professional (CCCP)

Certified Regulatory Compliance Manager certification (CRCM) Bachelor of Science, Texas Tech University, Lubbock, Texas COMMUNITY ACTIVITIES

Active member of Dallas Area Compliance Association Member of Dallas FBI Citizens Academy Alumni Association 2002 Graduate of Bedford Police Citizens Academy

2004 Graduate of Dallas FBI Citizens Academy

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