Karl E Schmidt

Telephone: 262-***-**** Email: adry1j@r.postjobfree.com, LinkedIn: www.linkedin.com/in/karl-e-schmidt-90aaa761/

Professional Summary:

A highly dedicated, energetic, detail minded, hard-working and confident professional who is also an experienced executive with a history of achieving excellent results in consumer and commercial finance, banking, loss prevention, security and business consulting: seeks a position of management in financial risk investigation, corporate compliance and project management assessments or loss prevention and client safety. An aggressive pro-active professional with the ability to make things happen, analyze methods and procedures to increase profits and limit losses as well as communicate effectively with all levels of an organization.

Financial Service Management

Loss Prevention

Anti-Money Laundering

Compliance & Contract Review

Forensic Financial Research

Litigation & Losses

Risk/Fraud Investigations

Operations Management

Account Management

Management Skills:

A highly dependable, commitment oriented professional team leader that can offer a broad array of functions in areas of problem solving, budget planning, finance, strategic management and business planning, decision making, marketing, and human resources to the table.

Confident and mature professional who is also an experienced executive with a history of achieving excellent results in all phases and types of lending products and services, loss prevention, risk management evaluations, property protection, negotiating, and business consulting.

Other components of my management talents include: recruitment and staff selection, supervision, motivation and staff evaluations, scheduling and planning of workflow, developing policies and procedures, measuring and documenting results for a group or department, developing and monitoring budgets and expenditures, staying abreast of trends in the field, collaborating with other staff and departments, and leading and motivating employees.

Experience:

Wells Fargo Bank-Personal Banker (Safe), Mequon, WI 12-2021 to Present

Provided financial support to clients seeking new accounts (Checking, Savings and C.D’s), Personal Loans, Business Accounts, Credit/Debit cards and general account maintenance and Notary services.

Performed account options sales and forwarded special request to other department specialists if the requested information required was in different investment options or first mortgages.

Landmark Credit Union- Personal Financial Officer, Mequon, WI 6-2021 to 10-2021

Account Management and financial servicing of all new Checking, Savings and Certificates of Deposit account openings, Heloc Mortgages, Credit and Debit card applications/Issuance, HSA and IRA accounts and Vehicle Loans in a brand new branch operation.

Provided financial support to clients seeking options and forwarded special request to other department specialists if the requested information required was in different investment options or first mortgages.

Potawatomi Casino and Hotel- Line Security Dept. Fraud and AML Agent, Milwaukee, WI 3-2020 to 2-2021

Provided fraudulent financial activities reviews, gaming transactions, AML and Title 13 issues and all fraudulent means of exchanging money or attempting to defraud the Potawatomi Tribe.

American Security and Investigations-Assistant Security Manager, Milwaukee, WI 9-2018 to 2-2020

Managed physical examinations of property to ensure compliance with security policies and regulations. Direct or participate in emergency management and contingency planning. Identify, investigate, or resolve security breaches. Monitor and ensure a sound, ethical environment.

Allied Universal Security Services, Milwaukee, WI 10-2017 to 8-2018

MCTS (Milwaukee County Transit Services)-Transit Patrol Officer.

Due to the ever present increase towards violence on county transit buses, was contracted to perform risk assessment reviews toward the reduction of issues and problems so that all riders safety issues and concerns was met.

Allied Universal Security Services, Milwaukee, WI 10-2017 to 2-2018

Trader Joes: Parking Enforcement Officer.

Recruited by clients request to have only previous police experienced officers on site to provide mature and knowledgeable skills in the safe guarding of client property against potential damage by those attempting to park in its private parking lot and any ramifications of said orders.

Karl E. Schmidt Resume Page 2

Property and Risk Consultant-Self Employed Mequon, WI 3-2009 to 3-2020

Appointed as the advisory solutions precipitator and caretaker of all properties and financial inventory matters for declining family members whose health issues demanded they get a POA to watch over and protect against loss.

Provided assistance with all of their financial service’s needs and performed property evaluations, title search clean up, property liquidations, sales and marketing of unneeded belongings and furniture as well as review and control of all healthcare functions, detailed medical procedure reviews and review of state care agencies.

Cabela's World's Foremost Outfitter – Firearms Compliance Officer, Richfield, WI 9-2013 to 2-2017

Total solution sales facilitator for all compliance issues regarding the transfer of all new and used firearms. Handled all BATF regulations, background checks, sales of new and used firearms and transfers from store to other FFL dealers or Cabela’s stores. Decreased earlier departmental errors in paperwork, registrations and fraudulent sales by 42%.

International Financial Group- Risk Intermediate Credit Analyst, Brookfield, WI 2-2013 to 8-2013

Forensic financial research and detailed analysis of loan transaction file documents, lender and underwriter notes, collateral descriptions and evaluations, risk assessments, compliance issues and all servicing notes, so that all loan account information was easier to access through a more simplified software program, reducing time loss by 45%.

Contract compliance and anti-money laundering reviews for all loan customer shells constructed regarding all commercial and business loans, agriculture loans, lines of credit and term loans, validating that loan facilities information was correct and that all guarantor’s were properly attached and that all financials met the rules of fair lending.

Account management and servicing reviews for all verifiable data and completed detailed business financial spreadsheets including loan triage, resulting in a 54% decrease to time ratio previously spent.

TCF National Bank - Branch Lending Manager, Milwaukee, WI 3-2009 to 7-2011

Analyzed financial statements to determine the degree of risk involved in extending credit based on investigative research uncovering credit data such as: income growth/loss, quality of products and services managed percentage of product market share, liquidity, profitability, and credit histories of said establishment.

Financial service and lending operations risk and fraud management, AML investigations and regulation reviews under Title 31 along with compliance /contract review evaluations of new and current bank customer accounts to ensure all requirements of the suspicious activity monitoring programs was maintained, resulting in identification of over 50 customers whose money laundering and fraudulent financing attempts saved bank of possible losses by 65%.

Household/Beneficial Finance- District Branch Finance Manager, Milwaukee, WI 3-2004 to 3-2009

Promoted several times due to exceptional leadership and production abilities to oversee a six branch district in all functions of consumer and small business loans and services.

Provided detailed underwriting and approvals of all loans ranging from $1,000 to $1.5 Million, supervised a district of 35 employees, and managed the audit and quality control over all financial research notes, detailed analysis of loan transaction file documents, lender and underwriter notes, collateral descriptions and evaluations, risk assessments, compliance issues and all servicing notes including all types of account collections.

Other previous positions of importance: Branch Banking and Financial Services Manager, Regional Business Development Manager/Vice President, Business Development Assistant/Vice President, Private Investigator, Commercial Collection Manager, District Finance Manager, Property Seized Manager, REO Sales Manager, AML Compliance Officer II and Court Bailiff.

Education:

Concordia University, Mequon, Wisconsin - 2001-2006

Bachelor of Arts - Criminal Justice Management Major

Human Resource Management-Minor

Certifications, Licenses and Volunteerism:

Notary Public, State of Wisconsin: 2025

NMLS #512036, United States of America: 2024

Thiensville Police Department-Special Police Officer, Quartermaster, FTO and Board Member 2001-2010

First Aid/CPR/AED responder Certificate 2022

Wisconsin Security Guard License 2022

UPAF-Ride for the Arts-Sentry Captain Area 5 North Shore, Sentry Captain 6 Ozaukee 1996-2012, 2017,2019

Los Angeles Police Department-P/T Police Sergeant, Patrol, Financial Crimes & Investigative Services 1984-1995

(North Hollywood, Fairfax, Parker Center and Newton Divisions)

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