Financial Services Credit Risk

Stephane Paul Pochet

**** ******* ****** # *, ****** TX 75225

Email: *******.*.******@*****.***

Tel: 305-***-****

SUMMARY:

Deadline driven with over ten years of experience in ERM, Internal Audit, financial services and compliance with Sarbanes-Oxley (SOX).

Heavily focused on Financial Services’ operational, regulatory, and financial risk, I performed full audits across all lending channels. I also lead rewarding projects in testing and rationalization of business processes and SOX Controls framework.

Experienced with internal & external auditing, SOX, SOC-1, ITGCs, processes and dataflow updates. My track-record includes Citi Group, Grant Thornton, McKesson, Mr. Cooper/Nationstar, Goldman Sachs, Penny Mac, Morgan Stanley, Capital One & Citi Group.

Independently assessed regulatory, financial or credit risk, developed the Risk & Controls Matrix, defined audit plan and scope to execute fieldwork with stakeholders, Test of Design TOD & Test of Effectiveness TOE for the evaluation of controls; Communicate audit findings and assist in the remediation process with stakeholders as applicable.

I specialize in organizational change, high-demand and deadline-driven projects, (direct hire and or contract/consultant) within the DFW metro or nationally as required by client needs.

KEY COMPETENCIES

Asset Management/Mortgage /Credit Risk/ Servicing SOX & Financial Reporting Audits

Mortgage Ops & Regulatory Compliance

Credit Risk & Purchasing guidelines: FNMA, FHLMC, Private Investors,

Treasury & Capital Markets

Asset valuation MBS & MSRs

Securitization & Rating Agencies

Consent Orders, OCC, FRD,

Loss Mitigation, Foreclosure, BK

Assignments & Endorsements

Mortgage Insurance (MI-MGIC, GENPAC, PMI…)

Pooling & Servicing Agreements

Multiple Operational Platforms, DU, LP

Operational, Compliance and Audit Software

National Mortgage Settlement/Consent Order

RESPA, TILA, FCRA, SCRA, HIPPA, ECOA, AML…

Treasury & Capital Markets

Asset valuation & Inventory Mgt

Project Management

Process narratives and data flowcharts

Financial reporting cycles

Risk Assessment

*Materiality.

*Location or company scoping.

*Map accounts to business processes.

*Quantitative and qualitative analysis.

*Conduct IT application scoping.

ITGCs, System & dataflow, cloud, bots

External Auditor interface

Off-Shore testing oversight & QC

SOC-1 TP Vendors reporting oversight.

Non-Profit Financial Reporting

AUDIT & RISK ADVISORY EXPERIENCE

EXECSEARCHES.COM Consulting - Risk Advisory

Dallas, TX 05-2024 to Present

Compliance oversight for all applicable Non-Profit financial reporting regulatory bodies, company Policies and Procedures, update current Narratives, Process & Data Flow-Charts, produce the Risk and Control Matrix. Audit testing, review exceptions, and produce Audit report to upper management.

Collaboration with the Treasury Department for the collection and analysis of operational & financial data through Planning & Walkthroughs.

Review of systems and processes.

Performance of TOD & TOE, reporting of noted areas of improvement, follow-up on Remediation and issue validations and identify process improvement or automation opportunities from data analysis.

BLUE CROSS BLUE SHIELD BCBS Lead Risk and Control Testing Second Line of Defense

Dallas, TX 09-2023 to 11-2024

ERM team, Federal and State Programs: Testing Financial and Operational processes: Perform the audit cycle, beginning with the risk assessment, planning, perform Test of Design TOD & Test of Effectiveness TOE, confirm audit findings with the stakeholders, document and draft conclusion and reporting, handle remediation cycle. Compliance oversight for all applicable regulatory bodies, company Policies and Procedures, update current Narratives, Process & Data Flow-Charts, produce the Risk and Control Matrix. Audit testing, review exceptions, and produce Audit report to upper management.

Collaboration with the Treasury Department for the collection and analysis of operational & financial data through Planning & Walkthroughs.

Review of systems and processes.

Performance of TOD & TOE, reporting of noted areas of improvement, follow-up on Remediation and issue validations and identify process improvement or opportunities automation.

GRANT THORNTON LLP Lead Associate Risk Advisory

Dallas, TX 09-2022 to 8-2023

In close collaboration with the Enterprise Risk Management ERM team of each client, we provide advisory services to evaluate the adequacy of financial controls; Recommend improvements in controls; Assess compliance with policies and procedures and sound business practices; Assess compliance with state, federal regulations, and contractual obligations.

Engage with clients about deliverables, expectations and provide advisory services on operational and regulatory risks impacting the organization.

Planning, executing, and completing operational risk assessment and compliance audits while managing the budget.

Collaboration with the Treasury Department for the collection and analysis of operational & financial data through planning & walkthroughs.

Oversight of Jr. audit associates and interns.

MCKESSON Lead Risk Advisory SOX (Medical Surgical & Canada Operations)

Dallas, TX 06-2020 to 9-2022

McKesson listed #9 on the Fortune 500, with revenues of $280 billion. Performed SOX risk assessment, TOD, TOE, and interface with internal & external stakeholders, also performed quarterly JEs QC reviews. Most significantly, since 2020, our team streamlined the existing SOX Control framework, reducing SOX controls count by 40%. We lead the selection, UAT and deployment of new audit software. Our commitment allowed sizable cost reduction and a drastic increase in the efficiency of our SOX control framework.

Risk assessment, audit planning, RCM, TOD, with each business unit’s leadership, update process flow-charts, data flow diagrams, develop test templates/ attributes.

Collaboration with the treasury department for the collection and analysis of operational & financial data through planning & walkthroughs.

Quarterly Control Validation oversight with each business’ unit managers.

Oversight and control testing of inventory and asset valuation.

TOE, exceptions remediation, audit report to upper management.

Third party vendors oversight and SOC-1 reporting.

Performed UAT of new audit software.

MR. COOPER aka Nationstar Mortgage Sr. Internal Auditor

Dallas, TX 08-2016 to 06-2020

Operational and Regulatory evaluation of the risk & controls TOD & TOE for Mortgage servicing and Mortgage Origination activities with $700B+ Portfolio. Audit assignments as defined by the Audit and Risk Committee, Ad-hoc projects and on-going quarterly SOX testing and interface with external auditors.

Risk Assessment, audit planning, process flow-charts, Risk and Control Matrix, create test templates & attributes.

Collaboration with the Treasury Department for the collection and analysis of operational & financial data through Planning & Walkthroughs.

Asset valuation and Capital Markets control efficiency.

Perform TOD & TOE. review exceptions and produce an Audit report to upper management. Follow-up on Remediation and issues validations.

Third party vendors oversight and SOC-1 reporting.

Manage Audit budget hours, provide evaluation and coaching to junior audit staff.

Develop & oversee a Continuous Audit and testing Platform with our offshore Chennai India team.

PENNYMAC Internal Auditor

Fort Worth, TX 02-2015 to 07-2016

Auditor Sr. $500B in Mortgage Servicing Portfolio, Risk assessment, TOD & TOE of existing regulatory and financial controls over Mortgage servicing and Mortgage Origination activities. Audit assignments as defined by the Audit Committee. Ad-hoc projects and on-going quarterly SOX testing.

Risk Assessment, Audit Planning, Process Flow-Charts, Risk and Control Matrix, create test templates & attributes.

Asset valuation and Capital Markets control efficiency.

Perform TOD & TOE. review exceptions and produce an Audit report to upper management. Follow-up on Remediation and issues validations.

Third party vendors oversight and SOC-1 reporting.

Manage Audit budget hours, provide evaluation and coaching to junior audit staff.

Develop & oversee a Continuous Audit and testing Platform with our offshore Chennai India team.

GOLDMAN SACHS Auditor/ Consultant Jefferson Wells

New York, NY 01-2014 to 09-2014

Advisory expertise for the NMS (National Mortgage Settlement) Federal Reserve Bank’s reporting requirements, Consent Order.

Validation of Debt Instruments, Security Instruments, servicing and regulatory compliance, state, and local regulations.

Asset valuation and Capital Markets control efficiency.

Development of test programs for the evaluation of audit controls based federal requirements.

CAPITAL ONE Auditor Consultant Adams & Garth

Dallas TX and MacLean VA, 01-2011 to 12-2013

Auditor: Sub-Prime mortgage assets for TARP (Troubled Assets Relief Program). Regulatory reporting to the Credit Risk Committee.

Validation of debt instruments, security instruments, servicing and regulatory compliance, state, and local regulations.

Asset valuation and Capital Markets control efficiency.

Sub-Prime risk assessment on non-performing assets, collateral property valuation methodology, write down reserves and reversals of reserves, estimates against realized losses, and final charge offs/net credit losses.

Third party vendors oversight and SOC-1 reporting.

CITI GROUP Internal Auditor Consultant Jefferson Wells

Plano, TX 08-2009 to 11-2010

Auditor: Sub-Prime mortgage assets for TARP (Troubled Assets Relief Program). Regulatory reporting to the U.S Treasury Department, Federal Reserve, and Federal Financial Institutions Examination Council. Focus on maximization of assets and Loss mitigation. Scope: $1.4M, non-performing residential mortgages / $290B in Troubled Assets Relief Program TARP funds.

Sub-Prime Risk Assessment on non-performing assets, collateral property valuation methodology, write down reserves and reversals of reserves, estimates against realized losses, and final charge offs/net credit losses.

Audit the servicing performance affecting the entire asset lifecycle. This review allowed optimal selection of valuation tools and third-party vendors.

EDUCATION

CERTIFICATION PUBLIC ACCOUNTING: Cornell University

MASTER OF ARTS: Institute of Political Science and International Finance – Lyon, France

BACHELOR: English, Spanish & US History, Blaise Pascal University - Clermont, France

CERTIFICATIONS: Certified Court Mediator - Florida Supreme Court, Certified Expert Witness – National Association of Expert Witnesses

CREDIT RISK/ MORTGAGE UNDERWRITING AUS Systems: DU, LP, CALYX POINT, WELLS FARGO, JPMCHASE and multiple proprietary underwriting platforms.

LEGAL & COMPLIANCE: FRAUD GUARD, ENCORE, ACCURINT, BPO-PRO, CREDCO, PACER, AACER, ALL REGS, LEXIS NEXIS, CORELOGIC, ZILLOW, COUNTY RECORDS, CFPB, HUD, FNNA, FHLMC...

Microsoft Suite: MS Excel, MS Access, SQL, Visio, Power Point…

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