Regulatory Compliance Project Management

Ashley Korneagay

********@*****.*** 614-***-**** 686 Village Mill Dr, Sunbury, OH 43074

PROFESSIONAL

SUMMARY

Driven compliance professional with extensive experience in corporate consumer protection and credit card banking regulatory compliance. Adept in not just regulatory compliance, but also adult learning and development. Detail-oriented and self-driven, possessing excellent interpretation and communication skills. A proven ability to apply and disseminate regulatory compliance requirements to associates across the organization in an applicable manner.

SKILLS Consumer Protection Regulations

Compliance Management System (CMS)

Audit and Regulatory Exam Management

Open-End Credit Products (private label and co-brand) Consumer Deposit Products (CDs and HYSA)

Second Line of Defense Monitoring and Testing

Risk and Control Self-Assessment (RCSA) - Enterprise Risk Management Procedure Development

Training Program Development

Innovating and Cultivating

Project Management

Root Cause Identification

Three Lines of Defense Education

Learning Management and Development

Microsoft Office

SharePoint

Instructional Design (Articulate Storyline and Adobe Capitvate including course design/build and recording voice over narration)

REGULATORY KNOWLEDGE

• Reviewed and advised on guidance pertaining to the following regulations:

• Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)

• Fair Credit Reporting Act (FCRA)

• Fair Debt Collection Practices Act (FDCPA)

• Fair Credit Billing Act (FCBA)

• Telephone Consumer Protection Act (TCPA)

• Equal Credit Opportunity Act (ECOA)

• Regulation Z (TILA and CARD Act)

• Servicemembers Civil Relief Act (SCRA)

• Military Lending Act (MLA)

• Regulation DD (Truth in Savings)

• Depository Institution Management Interlocks Act (DIMIA)

• Regulation E (Electronic Fund Transfers)

• Gramm-Leach-Bliley Act (GLBA)

• Electronic Signatures in Global & National Commerce Act (E-sign)

• Regulation O (Lending to Insiders)

• Bank Secrecy Act (BSA)

• Anti-Money Laundering (AML)

• Office of Foreign Asset Control (OFAC)

EDUCATION,

AFFILIATIONS, and

CERTIFICATIONS

Bachelor of Arts: Political Science, Ohio Dominican University – 2009 ABA Compliance School

- Foundational

Certified Professional in Training Management (“CPTM”) PROFESSIONAL

EXPERIENCE

15 Years at Bread Financial (headquartered in Columbus Ohio) / Comenity Bank (Delaware charter) / Comenity Capital Bank (Utah charter) Specialist, Bank Regulatory Compliance Discipline

2020 – August 2024

• Exhibit in-depth knowledge of regulatory requirements for regulations listed in the Regulatory Knowledge section above.

• Support and advise on the Compliance Management System (CMS).

• Own the compliance management training program ensuring all applicable regulatory compliance requirements are communicated to appropriate audience(s).

• Review First Line of Defense (FLOD)’s control testing and ensuring root cause is adequately identified and addressed in findings.

• Actively participate and contribute in Global Audit (Third Line of Defense (TLOD)) and regulatory body examination requests and oversight.

• Develop and perform regulatory testing and Risk Control Self Assessment (RCSA)s including creation of test steps to monitoring for accuracy and addressing root cause.

• Provide consistent attention to detail and accuracy on any deposits-related initiatives (i.e., Certificate of Deposits (CD) and High Yield Savings Accounts (HYSA), such as building out new or enhancing existing capabilities, developing new products, new channels, etc.

• Review and advise on complaints, compliance issues, audit reviews, and Federal Deposit Insurance Corporation (FDIC) and Consumer Financial Protection Bureau

(CFPB) regulatory examination requests.

• Assist Senior Leaders on ad-hoc projects and trusted with privileged and confidential information.

Regulatory Compliance Training Specialist

2013 - 2019

• Stay current on regulatory requirements and industry trends to ensure that the Programs remain compliant in all areas of applicable regulatory compliance.

• Configure a comprehensive compliance training program by collaborating with Bank and Card Services compliance subject matter experts (SMEs), the Instructional Design Team, and HR Technology in the development, deployment, tracking and reporting of the required enterprise-wide annual compliance training.

• Routinely evaluate training needs and pivot as needed.

• Work with senior leaders to provide regulatory compliance role-based training that is applicable to the various roles across the organization. (i.e., volumn based associates through the Board of Directors)

• Develop policies, standards, and procedures to implement applicable state and federal regulatory guidance.

• Manage the development, implementation, and continuous improvement of training, including on-going learning opportunities companywide.

• Demonstrate leadership by driving projects to completion and meeting milestones. Brand Partner – Compliance Advisor

2011 - 2013

• Deliver compliance support to clients/brand partners in all aspects of the credit card program from Credit Card Agreements to marketing campaigns.

• Onboard new clients/brand partners and create program collateral (i.e., Credit Card Agreement, Periodic Billing Statement, credit card mailer, marketing, and advertisements).

• Provide regulatory compliance consultation to business partners.

• Partner closely with Legal department to interpret and advise on regulations.

• Serve as the compliance subject matter expert on high profile projects.

• Onboard and train new Brand Partner Compliance Advisors on applicable laws and regulations and apply those requirements to their role.

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