SUMMARY

Serge is a US citizen and is currently looking for new opportunity as a Sr. Risk and Compliance Testing Consultant/Manager or Sr. IT Auditor (AIC or Manager) to work remotely or hybrid. Serge is a service leader in Governance, Risk and Control Testing with hand on experience working in the first, second and third line of defense building Test scripts, reviewing process, risk, and control inventory, testing the Design of controls as well as the Operating effectiveness of controls to determine if the risks are effectively mitigated and the regulatory requirements are met based on Enterprise Risk Management Standards. Below are summary of his skills:

Experienced Regulatory Risk Advisor/Enterprise Risk Control Management Professional with 13 plus years supporting the first, second and third line of defense within the financial industry and nonprofit organizations. Clients include- Wells Fargo, Citi Group, Chase bank, Bank of America through KPMG…

Ensured all the underlining deliverables (Libor transition to SOFR) per the project charter were completed by the project managers while adherence to Wells Fargo Project Management methodology. Worked with the various stakeholders to monitor the progress of the project deliverable, analyzed risks, completed milestone testing to ensure the regulatory requirements/Wells Fargo Policies related to SOFR are met and provided the bi-weekly, monthly, quarterly and yearly audit status reports to the stakeholders.

Demonstrated experience supporting consumer banking and Micro Finance team, coordinating efforts for the identification of business processes, risk, controls and testing the design of controls and the operating effectiveness testing, identify issues, coordinating the efforts to close open issues and assessing the sufficiency of the documentation to make a reasonable determination of the design as well as the operating effectiveness rating based on Enterprise Risk Management Standards and Corporate policies.

Demonstrated knowledge in building test script, reviewing and testing the design of control and the operating effectiveness of controls associated with the mitigation of the inherent risks within the following capital market/consumer banking regulatory requirements but not limited to Home Mortgage Disclosure(Regulation C), Alternative Mortgage Parity(Reg. D), Electronic Fund Transfers (Reg. E), Fair Debt Collection Practices Act (Reg. F), S.A.F.E. Mortgage Licensing Act – Federal Registration of Residential Mortgage Loan Originators (Reg. G), S.A.F.E. Mortgage Licensing Act – State Compliance and Bureau Registration System(Reg. H), Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance (Reg. I), Mortgage Assistance Relief Services (Reg. O), Privacy of Consumer Financial Information (Reg. P), Fair Credit Reporting(Reg. V), Truth in Lending (Reg. Z), Military lending, SCRA, UDAAP, AML, CDD, EDD, KYC, NIST CSF, ISO2700x, SANS Top 20 Critical Security Controls, SOX and COBIT), enterprise-wide compliance with federal SCRA legislation, HIPAA PCI-DSS, Dodd-Frank/Volcker, COBIT, ERM etc…

Hands on experience in designing issue validation test script used in validating several issues within the first, second and third line of defense within the capital/consumer banking industries, leading several investigation of financial crimes suspicious activities and filing suspicious activity reports( SARs), developing of test script for the design of control and control operating effectiveness testing of several regulatory compliance requirements, reviewing and approval of change management processes, facilitating walkthrough meetings for the identification of the process, risk and control inventory(PRCI) as well as coordinating and QC approval of the risk control self-assessment(RCSA ) completed by the first/second line of defense.

Skilled in Information Technology testing of both manual/automated controls. Completed the Design and Operating effectiveness of controls, documenting walkthroughs, completed compliance activity report, completed draft audit report and suspicious activity case statements and narrative report. Demonstrated knowledge working with Operational risk management frameworks such as the Scrum guide, agile methodology, Kanban methodology, lean methodology, DevOps theory, Cyber-security, GRC, CCPA, GDPR, ISO security, ISO 27000/27001, NIST 800-53, NIST 800-171, SOC 1 and SOC2, ITIL, COBIT and many additional customized operational frameworks

Extensive knowledge developing Governance, Risk and Compliance(GRC) framework, coaching teams using agile framework and building processes, risk, control inventory(PRCI) tools, facilitating scrum ceremonies, removing workflow impediments and training compliance consultants on how to establish excellent governance, risk and compliance framework (GRC).

Excellent knowledge of performing CDD, EDD, KYC and Financial crimes related control testing in accordance with FinCEN expectations.

Proficient with MS Excel, Microsoft LYCN, Microsoft Outlook, Microsoft Words, Visio, Zoom, MS Team, Conference, JIRA and GITHUB and EPM Tool.

Skilled in Investigating/Auditing of AML/fraud suspicious activities in accordance with USA Bank Secretary Act (BSA) and filing of Suspicious Activity Report (SAR) and Currency Transaction Report (CTR) according to the US government treasury requirements. Regulatory knowledge Skills in performing Home lending/Retail servicing risk-based processes analysis and controls effectiveness testing in accordance with corporate policies and the banking regulatory requirements. I am Knowledgeable in applying for risk-based process and gab review and testing major requirements and their suite of control for compliance.

Skilled in performing financial services Business processes review for compliance, mapping of processes and their associated risk, performing the design of controls and control effectiveness testing to assess the overall effectiveness of the system internal controls or processes under review.

Basic Knowledge in using SQL/SAS base programming in managing DBMS, performing data extraction & data analysis, and reporting. Knowledgeable working with virtualization interface such as Oracle Virtual Box and VMware.

Experience using Scrum Master Framework to manage team/Projects successfully.

I am a learner and embrace continuous learning by registering in the following organizations listed but not limited to: UDEMY, INFOSEC, ISACA, ACFE, LinkedIn, SCRUM Organization and Coursera.

EDUCATION

The Maharishi University of Management, Fairfield, Iowa 52556 2008- 2011

MBA Accounting Obtained December 2011

The University of Buea, South West Cameroon Graduated 2002

B.Sc. (Hons) Accountancy

Certifications & Memberships

Certified Anti Money Laundering Specialist(CAMS-License No:100********) - Issued October, 2015

Certified Information Systems Auditor(CISA-License No:221891025) -Issued August 2022

Certified Risk and Information Systems Control(CRISC-License No-221891027) - Issued August 2022

Certified Scrum Master (CSM-License no:749***********) -Issued May 2020

Certified Scrum Product Owner (SPOC-License No:526***********) – Issued August 2021

Scaled Scrum Accredited Expert Certification (SSAEC-License No:094***********)– Issued August /2021

Technical Skills

WF Systems: SHRP-Issue Management, CRES+, MSP, ECA, ICMP, AMP, ECAR, IRRIS, CAC, NASA, America Info Source, MS Excel, Microsoft Lync, Microsoft Outlook, Microsoft Words and Visio.

Investigative Software: Hello, Actimize, Mantra, Portfolio Analyzer, Sonar, fortent, Customer Manager, Customer assist, D&B and Passport

Database software Language: SQL

SAS programming language: Base

Risk & Audit Knowledge: KYC, CDD, EDD, C.I.P, GAAP, GAAS, IFRS, SOX, OFAC laws, Bank Secrecy Act(BSA), anti-money laundering(AML) Investigation, AML reporting(SAR) risk management, RECOR-Servicing compliance testing, Institutional Risk Auditing, Home Lending Risk Review/Testing and Auditing and BPRM process mapping, skill the following systems: AIS, RCM, SAM, UDM, CDD, SOLR, QAS, IDB STAR, WLF and CTR

VMWARE, ACL

Language: Fluent in English, French, Creole and can understand little bit of Spanish, Latin

Professional Awards

Received 3 Years of Services Recognition Award from the CEO of Wells Fargo Bank June 2019

Received Outstanding Financial Services Recognition Award from Board of Cameroon OIC May 2007

Received Outstanding Innovation and Integrity Awards from NKong Hill Top Financials May 2006

WELLS FARGO’S WORK EXPERIENCE

KPMG LLC

Advisory, Internal Audit and Enterprise Risk (Contractor) August 2022 to February 2023

Served as subject matter expert to the Bank of America by providing Design/Operative effectiveness testing of prepaid claims processes to ensure the bank remains in compliance with regulatory requirements based on the Bank of America Testing methodology/guidance.

Provided Enterprise-wide risk advisory, due diligence advisory and enhance due diligence advisory during testing and investigation of prepaid claims in accordance to Reg. E and UDAAP requirements.

Supported the group by providing investigative research on customer’s account history and to attest of the accuracy and completeness of test performed by the bank first line of defense.

Supported the team by providing trainings/coaching to newly on-boarding testers.

Review the test steps, working papers and sample method use in completing the operating effectiveness rating for compliance with the Bank of America applicable testing standards.

Documented the meeting’s minutes for the daily standup meetings.

Worked with the legal Council to address issues related MRA1 and escalate issues that required high risk attention.

Developed Skills - working with the following tools that were provided by the Bank of America but not limited to: VisaPas, Wadworth, NICE Portal (Engage Hub E, Hub C, Hub A), Encore, CTR, BOLT, EPIC, Content Navigator, VROL/Falcon, MCCA Engage, GWIM Engage, SharePoint, ACT Portal( San Luis and Boones Creek), SharePoint site, Outlook and remote access capabilities.

Wells Fargo Bank S.A, Charlotte North Carolina February 2020 to June 2022

Senior IT Lead Project Auditor (Libor to SOFR transition) Consumer Lending Group

Sr. IT Lead Auditor- Consumer Lending Banking Libor Implementation strategies and transition to an alternative reference rate (SOFR) Projects.

Ensured all the underlining deliverables per the project charter were completed by the project managers while adherence to Wells Fargo Project Management methodology. Worked with the various stakeholders to monitor the progress of the project, analyzed risks, completed milestone testing to ensure the regulatory requirements/Wells Fargo Policies are met and provided the bi-weekly, monthly, quarterly and yearly audit status reports to the stakeholders.

Reviewed the Agile (Scrum) and waterfall technological implementation strategies, business requirement documents, project chatter, mapping strategies, LOBOR fallback language extractions approach and transition to SOFR, contingent plans, controls, and compliance activities leading to the LIBOR transition activities to SOFR or an alternate risk rate(ARR) for the following projects within the Consumer Banking activities:

oHome Lending Department with exposure of about 97 Billion

oAuto Department with exposure of about 10 Billion

oHedging Department

oServicing Department with exposure of about 81.5 Million

oSmall Business/Student Loan with exposure of about 78.5 million.

IT Risk Assessment – Complete the development and maintenance of a risk assessment tool over their IT assets and functions

Tested the Design of controls, Operating Effectiveness based on the milestone deliverables identified gaps and validated the closure of the corrective actions.

Identified all the associated regulatory requirements, risks and controls and tested the design and operating effectiveness of the controls.

Monitored the work in progress; performed 3rd engagement walkthrough with project managers and executives to address ongoing risk, evaluate issues and alternative approaches recommended to resolve project’s deliverables.

Prepared progress reports, biweekly report, quarterly report and annual report. Prepare test script to test the project milestone deliverables and distribute Audit report to the Audit Director and the different stakeholders of interest

Evaluated the internal controls, security controls for operating effectiveness based on standards outline in the project charter. Identify issues, review corrective actions and monitor progress and effective completion through continuous meetings deliberation, credible challenges and resolution.

Attested that the regulatory requirements are met by monitoring, assessing and testing to ensure all third party contracts’ deliverables are met as well as internal projects mile stone deliverables.

Tested the functional requirements associated with model validation, End-End Systems implementations, and the record keeping requirements to attest to the success of the project per the project charter expectation

Tested the automated controls as well as the hybrid controls. Test the Design of control as well as the operating effectiveness AML related controls, Consumer lending related controls as well as the liquidity related controls.

Performed walkthrough review and the associated supporting documents to evaluates the risks and controls were adequately mitigated and validated issues within the first, second and third line of defense

Managed the team’s workload to assist other audit teams when resources are needed for areas of higher risk and providing on-the-job training for staff.

Carrying out ad hoc testing of the implementation of AML related controls as well as security controls, while working with the System Testers to ensure adequate test scripts have been built and run

Reviewed user stories with acceptance testing criteria to ensure compliance with Enterprise wide standards and corporate policies.

Reviewed all applicable system of records, risk, controls, 3rd party contracts, note and contracts for hired vendors to ensure they are compliant with corporate policies by conducting walkthroughs, interviews, inquiries, inspections of documentations to attest of the completion of milestones deliverables in accordance to Wells Fargo’s Enterprise wide project management standards. .

Reviewed the Business Requirement Documents(BRD), Agile methodologies as implemented by the scrum team, the communication approach, the risk analysis, the contingency plans and prepare executive report bi-weekly to hierarchies.

Reviewed issues, document findings, follow up with corrective actions and ensure appropriate solution is adapted to remediate the root cause.

Built Test scripts and Completed testing of project’s milestone Design Testing to ensure the controls were effective and the implementation strategies are in compliant with corporate requirement as stipulated in the LIBOR guidance (Project Charter).

Team up across the three lines of defense regarding LIBOR information technology and business processes, risks, and controls.

Coordinated audit activities by integrating other internal audit subject matter teams (Information Technology, Anti-Money Laundering, Compliance, Risk Management, Treasury, etc.) to ensure appropriate and efficient coverage of the LIBOR business products, services and processes within the Consumer Banking team.

Manage the Consumer Banking team’s workload to assist other audit teams when resources are needed for areas of higher risk and providing on-the-job training for staff.

Attested that the regulatory requirements are met by monitoring, assessing and testing to ensure all third party contracts’ deliverables are met as well as internal projects deliverables.

Drafted the bi-weekly status report, quarterly audit report and annual audit report for Sr. Audit Managers and Audit Directors to review and approved before distribution

Additional Responsibilities include but not limited to supporting the Operational audit related to:

Sr. Auditor-HR Employee Displacement Audit- Completed the planning, execution and issue validation and drafted the SAP report. Completed the walkthrough, Design of control and Operating Effectiveness Testing.

Sr. Auditor- Talent Acquisition Issue Validation-Validated the issue/gaps with the corrective action based on Wells Fargo testing methodology

Sr. Auditor- Wells Fargo Asset Management and Liquidity Audit (WFAML). Completed the Planning activities including walkthrough, Issue logs review, Design of control and operating effectiveness testing, Draft Audit Report, validated issues, etc.

Lead Auditor –Issue Validation of WFAML-coordinated the validation of all open issues associated with this audit by documenting the walkthrough, completed the design of control testing as well as the test of one for operating effectiveness testing.

Sr. Auditor- Liquidity Audit. Completed the walkthrough, Design of Controls as well as Operating Effectiveness Testing Test steps.

Wells Fargo Bank S.A, West Des Moines, Iowa June 6, 2018 to June 30, 2019

Enterprise Governance Regulatory Risk and Compliance (GRC) and Issue Validations Consultant

Built the CAR Test script for testing key Controls. Review and published compliance activities report prepared by Testers including Test script and the applicable regulatory requirements, work papers, testing methodology to ensure compliance with regulatory requirements such as Home Mortgage Disclosure(Regulation C), Alternative Mortgage Parity(Reg. D), Electronic Fund Transfers (Reg. E), Fair Debt Collection Practices Act (Reg. F), S.A.F.E. Mortgage Licensing Act – Federal Registration of Residential Mortgage Loan Originators (Reg. G), S.A.F.E. Mortgage Licensing Act – State Compliance and Bureau Registration System(Reg. H), Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance (Reg. I), Mortgage Assistance Relief Services (Reg. O), Privacy of Consumer Financial Information (Reg. P), Fair Credit Reporting(Reg. V), Truth in Lending (Reg. Z), Military lending, SCRA, UDAAP, AML, CDD, EDD, KYC

Served as the subject matter expert (SME) on operational risk and control matters for Consumer Banking Line of businesses through partnership and performing credible challenge in alignment with Well’s Policies and Corporate Governance Team procedures, risk and control self-assessment (RCSA) process, testing, metrics (e.g., KRIs, Tolerances), and identification issues/gaps and coordinate the remediation of findings.

Apply credible challenges with Testers on a risk management lens. Performed Third-Party risk management credible challenges on identified vulnerabilities of line of businesses internal controls, identify gaps and root causes, raise issues and monitor the completion of corrective actions.

Responsibilities include but not limited to reviewing the created and execution test plans by the testers to ensure adherence with the Enterprise Testing, and Validation Standards and the use of the Wells Fargo SHRP system.

Provide BSA/AML/OFAC/Financial Crimes testing support to the Enterprise Finance, Corporate Risk, Audit, HR, Stakeholder Relations, and Legal program through execution of testing scripts, identification and reporting of issues, and validation of corrective actions to ensure regulatory compliance.

Work with the testers and the business proponents in the second line of defense to review findings and draft recommendations to ensure compliance risk and business line management maintain compliance throughout their testing and validation of an MR and the associated controls.

Support the Consumer Banking second line of defense team in conducting AML related control testing for different LOBs (KYC testing, Transaction monitoring testing, SAR, CTR, MSP, OFAC)

Lead and facilitate conference calls, meeting and training to educate testers and business partners in relation to questions in relation to a compliance activity review.

Coordinate/leverage certain responsibilities and best practices with other departments (i.e. Internal Controls, Operational Risk) as well as other compliance programs. Produce periodic compliance performance reports (i.e. CAR Reports) for senior management.

Coordinate team meetings to correct mistakes relating to a review activity compliance testing and eventually published the Compliance Activities Report after testing and validation is completed.

Review issues validation methodology and advise where applicable based on Wells Fargo Enterprise Testing and Validation Policies and Procedures

Wells Fargo Bank S.A West Des Moines, Iowa June 2016 to May 2018

Corporate Compliance and Risk Consultant

A selected member of the Consumer Lending Compliance and Operational Risk Associate Program, a competitive talent risk development program that trains a pipeline of future risk leaders through four six-month work rotations and professional development training

Business Processing Risk Management

oDeveloped and managed second line of defense oversight processes to ensure efficiency and continued adherence to regulatory guidance, rules and laws related to credit, debit and prepaid card programs.

oIdentify high-risk processes relating to change control and take a risk-based mitigating action to mitigate the risk.

oSupported the team in stratifying and compiling Judgment for BPRM walkthrough for high-risk analysis and design of control assessment to determine the effectiveness in accordance to regulatory requirements to ensure the bank is in compliance

oPerformed design of control and Operating effectiveness testing on credit card, retail banking, educational financial services, and overdraft collection processes risk-based testing for compliance with corporate policies and Fed/State regulatory requirements in relation to BSA, CIP, KYC, SCRA, UDAAP etc.

oConducted AML related risk-based control testing for different LOBs (KYC testing, Transaction monitoring testing)

oCreated RSCA’s utilizing the COSO framework for business IT Security and Retail line of businesses.

Real Estate Compliance and Operational Risk (RECOR)-Servicing

oPerformed RCSA analysis, Internal Risk Assessment (IRA) Affiants/Notary testing, KYC Compliance testing, RCSA processes analysis, BPRM Stop, and Flag testing to ensure compliance with regulatory requirements.

oValidated HL Stops and Flags issues with the Government Oversight team and performing Affiant/Notary testing to ensure notary block requirements are met.

oCompleted risk assessments to ensure compliance with General Data Protection Regulation (GDPR)

oComprehensive Knowledge of experience in designing and operating risk management frameworks and mapping out processes to comply with vendor management / Third-Party risk management related regulatory requirements, providing guidance, risk assessment, and oversight (OCC consent order or other relevant Third-Party risk management/vendor management regulation applicable to the financial services industry)

Sr. Compliance Auditor -Consumer Lending Group(CLG)

oWorked with the 3rd line of defense. Performed audit planning, Walkthrough meetings, fieldwork audit for MSP/AML related data integrity attribute testing and anomalies testing.

oPerformed validation of AML related controls that have been remediated.

oPart of the Audit team that completed the walkthrough meeting of the Institutional Risk Auditing

oPerformed administrative task related to gathering information in SHARP for issues raised, Corrective actions documentation, and updated management on issues remediation status

oPerformed annual risk assessment, and corporate Sarbanes-Oxley (SOX) compliance testing of the internal controls for effectiveness

CCS COR Testing

oPerformed Design and Operating testing for compliance with the following regulatory requirements: Bankruptcy, Affiant/Notary Review, CC & Financial Contact Methods Review, Call Recording and Consumer Credit (CC) Specialty risk-based/control compliance testing.

oConducted walkthrough process observation interviews to complete attribute testing for Affiant/Notary Review

oPerform credit card, retail banking, educational financial services, and overdraft collection processes risk-based testing for compliance with corporate policies and Fed/State regulatory requirements.

oComprehensive Knowledge of experience in designing and operating risk management frameworks and mapping out processes to comply with vendor management / Third-Party risk management related regulatory requirements, providing guidance, risk assessment, and oversight (OCC consent order or other relevant Third-Party risk management/vendor management regulation applicable to the financial services industry)

ADDITIONAL WORK EXPERIENCE

JP Morgan Chase Bank, Huntington National Bank, and Citi Bank, Columbus, Ohio 2011 to 2016

Sr. AML Compliance Consultant/ Financial Crimes Officer/ Internal Control Tester

I engaged in several short-term contracts (1 year each) with JP Morgan Chase, Huntington Bank, and Citi Bank in the second line/ third line of defense while pursuing my MBA degree in Accounting and to qualify to take the Certified Anti Money Laundering Specialist Certification and the Certified Information System Auditing. Some of my responsibilities were but not limited to:

oResearched and resolved root cause problems related to the Bank Secrecy Act and anti-money laundering, by researched and investigated financial crime activity, performed compliance testing to mitigate the risk and review Currency Transaction Report (CTR) and the Suspicious Activity Report (SAR) filing with FinCEN for effectiveness as required by BSA regulatory requirements.

oDefined the AML/KYC/OFAC testing and monitoring coverage strategy for effective, efficient, and consistent front line Control Assurance activities testing

oProvided subject matter expertise and consultation to AML investigation in Retail Banking Accounts, Consumer Banking Accounts, Home Lending Accounts and Credit Cards Accounts for regulatory compliance by designing the test script to test the design as well as the operating effectiveness of the controls.

oI investigated suspicious activities and filed a suspicious activity report with FINCEN. I built the case statement as well as the case narratives and document steps leading to SAR determination.

oDesigned Test Script and tested several regulatory compliance policies for compliance. Researched to identify the root cause of the problems, investigate client’s account or escalated the problems to Senior Managers or line of ethics

oI Reviewed MSP data for interest rate accuracy, SCRA compliance, foreclosure compliance and mortgage terms modification for accuracy and completeness. I was responsible for overseeing the Service- members Civil Relief Act (SCRA) compliance, and integration of Consumer Banking businesses into the enterprise SCRA. Performed internal compliance review of systems and documentation, test plans and descript.

oExecuted the ACR Review focusing on IT Security for Global Banking, Global Markets, and Treasury and GWIM divisions in response to an OCC Consent Order. I focused on sales market misconduct, KYC and AML, Information security risk assessment, business continuity testing and management of the Bank's information security awareness. I performed a credible challenge on all control rating for 1st and 2nd line of defense,,, and noted all gaps

oReviewed securities for accuracy and integrity and gained a working knowledge of stocks, Shares, bonds, options, dividend, right issues, P-control system, Bloomberg Terminal, Multifold Accounting System for mutual fund and hedge fund.

oPerformed credit card, retail banking, educational financial services, and overdraft collection risk-based testing to ensure compliance with corporate policies and Fed/State regulatory requirements.

oManaged a small team of 6 as a Project Manager and investigated complex cases of fraud from initiation to reporting. Excellent knowledge of completing walkthroughs, Design and Operating effectiveness test steps to test PCI-DSS and HIPAA Regulatory requirements. Skilled in testing both the manual and automated controls as well as AML related controls to ensure regulatory requirements are met.

oKilled in using the following systems: AIS, Actimize, HELLO, Mantra, RCM, SAM, UDM, CDD, SOLR, QAS, IDB STAR, WLF, and CTR

oExecuted SOX/IT Testing for Consumer line of business. Created test scripts and tested controls for the 1st and 2nd line of defense validated static data, market data & model inputs& 3rd Party Payments and cyber-security surrounding vendor data feeds. Evaluated and updated the process relating to the data information relating to opening (KYC/AML) client corporate accounts

oSr. Auditor- Retail banking Audit- Completed the SOX General control testing by completing the walkthrough, design of controls and the operating effectiveness and attest to the compliance of PCIDSS requirements and when necessary, detail remediation testing efforts.

Ohio Department of Administrative Service/Attorney General Office, OH Summer 2010, summer 2011

Sr. Auditor-Contract Consultant

I reviewed FUTA tax collection system and performed reconciliation of old versus new cash. Reviewed Medicare payroll data system and data from IRS system of record, and reconciled the two systems using skills in MS Excel. Reviewed State’s tax Master file data and those of 25 state’s agencies and reconciled the accounts discrepancy for accuracy, integrity, and report to the Project Manager.

Reviewed cash balances/inventories asset’s entries after accounting system migration for accuracy and performed test of completeness.

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