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Accounts Receivable Federal Government

Location:
Danville, CA
Posted:
May 28, 2025

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Resume:

Emma Fouillard

***.*********@*****.*** • 209-***-**** • 1193 Tilson Drive, Concord, CA

SUMMARY

Compliance Expert with 7 plus years of experience with proven track record of using my excellent personal, communication and organization skills to lead and improve compliance and enhance department efficiencies. Great collaborator and Team player, high quality of work, driven and highly self-motivated. Strong negotiating skills and ability to work independently.

EXPERIENCE

Consumer Financial Protection Bureau (CFPB - Federal government agency), Compliance Examiner

Jul 2021 - Present

Validating financial institutions’ compliance with Federal consumer financial laws through complex reviews including but not limited to reviews for TILA (Regulation Z), UDAAP, ECOA and Regulation B, EFTA and Regulation E, FCRA and Regulation V, FDCPA and Regulation F, RESPA and Regulation X, etc.

Contributing to Bureau’s effort in protecting consumers in the financial marketplace by providing field market intelligence, conducting analysis of financial industry trends, and periodically preparing reports and briefing papers that inform planned supervisory events and prioritization process.

Mitigating consumer harm through effective compliance risk assessment of the activities of regulated entities including recovering over 20 billion back to American consumers.

Assessing risk and preparing the Risk Profile of regulated entities through consumer complaint trending review and analysis for exam and monitoring purposes.

Analyzed adequacy of the Compliance management Systems (CMS) of regulated entity’s compliance program.

County of Alameda, Auditor Controller, Auditor Associate III

Nov 2016 - Jul 2021

Enhancing agency collection efforts through the application of complex legal ordinances, statutes and laws to initiate and process documents including wage garnishments, levies restitution, small claims, Judgements, and civil complaints.

Recording, Posting, and reconciling accounts consisting of agency journals, general ledgers, preparing periodic and special financial reports consistent with Generally Accepted Accounting Principles (GAAP) and Generally Accepted Government Auditing Standards (GAGAS) guidelines.

Ensuring accurate recording of deposits of Federal and State funds to agency trust accounts balances; auditing collections and accounts receivable from various agencies; and preparing periodic financial reports.

Improving interagency communication by serving as liaison between the Auditor controller’s office and other government authorities including County counsel, Superior courts, social services and Probation Department.

Facilitated accurate record keeping through administration of oaths for civil marriage ceremonies, research and correction of inter-agency documents in accordance with State law.

Wells Fargo Bank, Premier Banker

Mar 2014 - Nov 2016

Served as relationship manager to develop and maintain long term relationships with new and existing high value clients through personal and business demand deposit accounts.

Conducted clients’ needs assessment to identify consumer financial needs, guided clients through most complex portfolios of transactions, and recommended packaged product and service solutions to meet client financial goals.

Independently initiated and facilitated negotiation of financing terms for complex loan products including home equity loans/lines of credit, auto loans and other, secured/unsecured loans in accordance with Federal consumer financial laws.

Enhancing company image and reputation through leadership in local community engagement including, public conferences, organizing financial education seminars, demonstrating expertise in financial success coaching/training and drafting periodic reports to reflect consumer response to specific financial products/services.

CheckSmart Financial LLC, Branch Manager

Sep 2011 - Feb 2014

Led and mentored a team of nine customer service representatives.

Served as subject matter expert in training representatives on short term lending, payday lending, remittance and prepaid card services in accordance with Federal consumer financial laws including Regulation Z, Regulation E, Payday lending Rule etc.

Mitigating financial loss through effective review and recording of financial transactions including balancing of cash, checks, and other negotiable items.

Enhancing compliance with state and federal lending regulations through robust monitoring, internal audits of loan contracts and managing product risk.

Increasing overall store revenue through diligent credit risk assessment and effective debt collection practices.

EDUCATION

University of Ghana

Bachelor of Arts • Political Science • June 2007

Honors: Summa Cum Laude • Member of university’s Honor Society

San Leandro Adult School

Certificate • Accounting I • December 2019

SKILLS

Proficient with project management software • Great collaborator and Team player • Excellent time management skills • Public speaking • Data analytics



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