Customer Service Accounts Receivable
Resume:
Dawn M. Ryan
Albertville, MN 55301
********@*******.***
I’m an AML/IRA/BSA/CAM/Sox/Banking auditor/Brokerage auditor, Compliance & Audit Professional with over 22 years of experience as a successful Audit director. With over 14 years of experience within the Audit unit where I was Auditing various functions throughout the business lines which consisted of Operational, Risk, Compliance, Rules & Regulations, Work flow process and Financial Advisors oversight (second and third line of defense). I enjoy the hands on experience in planning and conducting moderate to complex Audit engagements. I have been responsible for performing Audit procedures to verify compliance with bank policies and procedures, along with federal and state statutes. I have developed an internal Audit work plan, in addition to continuously improving the Audit documents and procedures. I’m proficient in Risk compliance Auditing, Analytical and Risk management processes and analysis skills.
PROFESSIONAL SUMMARY
Hands on experience in performing Audit procedures to verify controls are operating effectively through appropriate testing procedures; identify control gaps and opportunities for improvement.
Tracked and conducted follow-up reviews of financial, operational, or regulatory compliance deficiencies noted during Audits.
Maintained internal control standards, including timely implementation of internal and external Audit points together with any issues raised by external regulators as applicable
Experienced in Auditing various deposit operations regulations such as: Regulation CC Availability of Funds; Regulation D Reserve Requirements; Regulation E Electronic Fund Transfers; Regulation DD Truth in Savings Act.
EDUCATION
Banking and Finance, Minneapolis Community & Technical College
AML certification
Prin. Of Banking certification
IRA Certification
BSA Certification
Managing and retaining staff Certification
Compliance certification
CAM certification
SKILLS
Risk management processes and analysis
Risk compliance Auditing
Process implementation
People-oriented
Excellent communication skills
Excellent time management skills
Goal-oriented
Flexible
Risk Management Assessor
Analytical
Self-motivated
Inspiring team leader
Team Liaison
Conflict Resolution
Project Management
Powerful Negotiator
Budgeting and finance
Extremely organized
Staff development
Team leadership
Bank and Trust compliance experience
EXPERIENCE
Citizens Alliance Bank
July 2019-Present
SVP Senior Internal Auditor Director/Chief Risk Officer
Assist in developing an internal Audit work plan, in addition to continuously improving the Audit documents and procedures.
Plan and conduct moderate to complex Audit engagements, including assessing risks within the areas of operations, regulatory compliance and lending in accordance with the internal Audit program.
Coordinate and communicate with the appropriate personnel and level of management for each area being audited.
Perform Audit procedures to verify compliance with bank policies and procedures, along with federal and state statutes.
Perform Audit procedures to verify controls are operating effectively through appropriate testing procedures; identify control gaps and opportunities for improvement.
Document and map processes for areas of concern; identify issues and recommend corrective action plans.
Promptly prepare concise, objective, formal written reports with value-added findings and recommendations to management and the Audit Committee.
Build and maintain effective working relationships with all levels of management.
Track and conduct follow-up reviews of financial, operational, or regulatory compliance deficiencies noted during Audits.
Stay abreast of best practices and regulatory requirements.
Conduct investigations of irregularities discovered by or brought to the Auditor’s attention.
Chair FDICIA readiness.
Chair Vendor Management, Risk Management, and insider Audit Committee and Compliance Committee.
Conduct 14 branch audit a year.
Insurance placement, forced, flood and commercial.
Celtic Bank
Salt Lake City UT Feb 2019-July 2019
SVP Senior Internal Auditor Manager
Assist in developing an internal Audit work plan, in addition to continuously improving the Audit documents and procedures.
Plan and conduct moderate to complex Audit engagements, including assessing risks within the areas of operations, regulatory compliance and lending in accordance with the internal Audit program.
Coordinate and communicate with the appropriate personnel and level of management for each area being audited.
Perform Audit procedures to verify compliance with bank policies and procedures, along with federal and state statutes.
Perform Audit procedures to verify controls are operating effectively through appropriate testing procedures; identify control gaps and opportunities for improvement.
Document and map processes for areas of concern; identify issues and recommend corrective action plans.
Promptly prepare concise, objective, formal written reports with value-added findings and recommendations to management and the Audit Committee.
Build and maintain effective working relationships with all levels of management.
Track and conduct follow-up reviews of financial, operational, or regulatory compliance deficiencies noted during Audits.
Stay abreast of best practices and regulatory requirements.
Conduct investigations of irregularities discovered by or brought to the Auditor’s attention.
Morgan Stanley April 2004 to Dec 2018
Auditor Manager AVP– Internal Audit Unit
Conduct on-site pre-loan field exams, assess quality of collateral monitoring, and perform operational and troubled loan examinations.
Maintain internal control standards, including timely implementation of internal and external Audit points together with any issues raised by external regulators as applicable
Conduct on-site investigations of internal controls.
Evaluate accounting systems and controls.
Evaluate various assets as collateral for loans.
Determine the quality and validity of accounts receivable, inventories and all other general ledger accounts.
Formulate meaningful recommendations to improve credit and collateral quality to help the Bank make sound lending decisions.
Communicate the results of the field exam in the field exam form to a vast array of readers so readers understand the risks in these loans.
Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis.
Identify risk-related issues needing escalation to management.
Mentor junior field examiners.
Promote an environment that supports diversity and reflects the Bank brand.
Demonstrated ability to work independently or in a team environment, and identify and solve problems and possess financial analysis skills.
Excellent written and verbal communication skills.
Understand how to use the Bank field exam form and understand the theory and practice of asset based ineligible principles and be able to perform some complication and time sensitive field exams.
Strong computer spreadsheet skills and the ability to learn other database manipulation software systems.
Able to adapt to changing conditions with companies, the economy, and the Bank to be able to supply the information in a meaningful way.
Possess the skills to begin to communicate findings on his or her own to all levels of the Bank and lead some less complex field exams when called upon to do so.
Ability to interact with all levels of personnel.
Self-motivated, well-organized individual
Experience in determining the validity of accounts receivable, inventories and all other general ledger accounts.
Knowledge of Asset Based Lending techniques.
Able to work under time pressure as needed.
Fully knowledgeable of the lending process, laws and regulations, credit and risk assessment of the loan process
Working knowledge of federal regulations including Truth in Lending Act, Real Estate Settlement Procedures Act,
Equal Credit Opportunity Act, Fair Credit Reporting Act, Home Mortgage Disclosure Act and other related regulations preferred.
Understanding of the BSA and all related regulations, and understanding products, services, customers, entities, and geographic locations, and the potential money laundering and terrorist financing risks associated with those activities.
Complex Senior Service Manager
Branch Operation Manager
Serve as the Bank’s regional in-field primary resource concerning operational risks related to cash management and lending products and services.
Experience Auditing various deposit operations regulations such as: Regulation CC Availability of Funds; Regulation D Reserve Requirements; Regulation E Electronic Fund Transfers; Regulation DD Truth in Savings Act.
Supervise and training junior Auditors
File and communicate Audit results ensuring that if there are areas that need improvement those areas are dealt with
Review the risk and control self-assessments
Responsible for the daily, weekly, monthly and annual Audit reports
Educated, advised and provide guidance to the field on questions and issues pertaining to products and services offered by the Bank.
Partner with, and leverage firm-wide monitoring groups and tools to oversee cash management and lending activities conducted by employees of the Bank in WM branches, to help ensure compliance with all applicable regulatory rules and all Firm and Bank policies and procedures
Track and monitor risk indicators and conduct timely escalation of emerging issues to senior management.
Prepare and summarize results of offsite monitoring.
Work collectively with Field and Bank management to identify, monitor, control and address operational risk-related issues.
Partner with and leverage the Firm and Bank’s Operational Risk Team frameworks and programs.
Contribute to the preparation of senior management presentation materials.
Work related experience in deposit operations including, but not limited to:
Experience in Branch/Deposit Operations placing check holds in accordance with Regulation CC; early or partial withdrawals for Certificates of Deposit or restricted transactions for savings and money market accounts related to Regulation D; or consumer foreign wire disclosures under Regulation E, or
Experience in bank regulatory compliance monitoring and tracking as the first and second line of defense.
Knowledge of related state and federal banking compliance regulations, Bank lending policies and procedures, and the Banks products and services.
Experience, knowledge and training in all lending/operational activities and terminology.
Ability to read, analyze and interpret regulations as published by Federal (FRB, OCC, FDIC, CFPB) and state banking regulatory agencies, general business periodicals, professional journals, and technical procedures.
Ability to provide concise, professional written documentation and recommendations for compliance monitoring results.
Excellent interpersonal skills to ensure staff-related issues are handled in a fair, consistent manner.
Excellent organizational skills, with the ability to complete projects in a timely manner.
Excellent analytical and problem solving skills to ensure compliance issues are resolved effectively.
April 2004 to Aug 2018
Responsible for the daily compliance of the complex high net worth branches
Risk and control management operational effectiveness, financial reliability and compliance with all applicable directives and regulations
Provided senior level management with written reports and/or analysis, noting level of compliance with policies, analysis of exceptions, and proposed corrective/follow-up action
Reviewed and analyze data to form conclusions and perform other tasks to positively impact regulatory outcomes
Key point of contact for both internal staff and examiner for the collection and dissemination of information with respect to all regulatory examinations
Strong knowledge of regulations: Federal Reserve Board and various state statutes
Strong knowledge of investments and investment sales practice procedures
Developed complex systems and programs
Manage daily processing of all ACH files reviewing and verifying ACH files, handling ACH returns and NOCs, resolving exceptions and file information inaccuracies
Ensure ACH processes comply with all relevant regulation, policy and procedures
Reviewed daily reconciliation and ensure all open items are cleared correctly and promptly
Thorough understanding of card association rules
Financial Service Industry knowledge in payment services products such as retail credit cards, prepaid cards, and corporate cards
Understanding of regulatory compliance requirements for the card business in the United States, Canada, and International
Experience in payment products and services, including credit and debit cards, Automated Clearing House, NACHA, and other payments related rules and regulations
Experience with credit card issuance
Experience with credit card payment processing
Familiar with agile and scrum concepts and processes (e.g., scrum, agile, etc.). Investigating agile development methodologies. Reduce time-to-market, and see the improved ability to customer feedback that Agile provides. Identify the true value of out-of-date distribution investments and strategies, then recalibrating them to support agile ways of working. The primary purpose is to help eliminate inefficiencies and selectively cut costs, a process that involves three phases: Diagnose, Streamline and Act
Subject matter expertise in operationalizing recommendations
Identify business opportunities to provide a more comprehensive offering of compliance services
Perform reviews of anti-money laundering reports (AML)
Escalate AML issues
Developing policies and procedures designed to deter and. detect money laundering and terrorist financing
Implementing the AML Program
Kept all of the necessary records required by government regulations
Responsible to ensure efficient identification and monitoring of suspicious activities and transaction in the Bank and ensure timeous reporting of suspicious transactions
Perform periodic reviews to confirm that each customer’s assigned risk rating continues to reflect the appropriate AML risk rating
Determine any potentially suspicious activities that were not detected by the firm’s real-time transaction monitoring platforms
Performed AML/KYC reviews as follows, High-risk clients: reviews every 6-12 months, Medium-risk clients: reviews performed every 12-24 months & Low-risk clients: reviews performed every 24-36 months
Verifying the identity of clients and assessing potential risks of illegal intentions for the business relationship. (KYC) prevent money laundering, terrorist financing, theft and so on
Performed the approval of CTR Reports
Periodically carry out risk assessments and provide solutions in order to minimize and eliminate risks (BSA)
Performing reviews and investigations of suspicious activity report (SAR)
Responsible for writing SAR and filing FinCen
Interacting with regulators during regulatory examinations
Interacting with internal/external Audit examinations
Responsible for 10K and 10Q
Experience in PCAOB & US GAAP
Daily reconciliation of cash balances
Aware of changing rules and regulations, making sure to communicate to staff changes
Examine operational paperwork making sure all is in compliance
Responsible for corporate treasury, interest rate risk management and asset liability management
Responsible for cash inflows/outflows and corporate liquidity needs
Responsible for derivatives trading designed to hedge interest rate or other financial risk exposures
Responsible for repo transactions, securities lending, issuance of Medium term notes/commercial paper and securitization
Experience with funding, HQLA management, capital management, asset liability management and other various treasury technologies
Ensured adequate testing of FDICIA program
Reported FDICIA deficiencies and tracked remediation testing
Stay abreast on rules and regulations
OTHER EXPERIENCE
RBC DAIN
Security Receipt and Security Transfer Manager
Responsible for the smooth day-to-day running of the physical securities operations.
Participate in the training and development of staff.
Monitored suspense reports.
Responsible for TOD Accounts
Managed the legal/estate and transfer customer service groups.
NORWEST INVESTMENT
Cash Management Manager
Bonds via ACH, Wire, internal processing or Check.
Reported to director of operations.
Managed a staff of 28.
MILLER & SCHROEDER FINANCIAL
Operations Floor Manager
Responsible for the coverage of all operational desks.
Performed numerous operational duties.
Responsible for the training and development of staff.
Responsible for repos
Reported to the Vice President of operation.
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