Quality Assurance Compliance Manager
Resume:
Robbin Jones
Mentor, Ohio ***** 216-***-**** ************@*****.*** linkedin.com/in/robbin-jones-38421aa2/
Compliance Manager
Seasoned Compliance Manager with 20 years of experience in financial services, specializing in audits, examinations, and regulatory compliance. Expertise includes state and federal mortgage compliance, foreclosure mediation, risk assessments, and the development of audit and desk procedures. Deep knowledge of regulatory standards and best practices, with proven experience navigating oversight from OCC, CFPB, FDIC, HUD, and the Federal Reserve. Skilled in compliance training, marketing review, and aligning operations with evolving industry regulations.
Compliance (20 years): Project Management (5 years)
Mortgage (22+ years): Risk (7+years) NMLS 8 years
Loan Servicing (18+ years): Management Skills (15 years) Management experience (17 years)
Bank examiner (12 years): Auditing (12 years)
Skills
Microsoft Office Excel Access Power point Outlook Encompass Project Management 10 key 40 WPM SPSS WordPerfect investigative procedures management experience CME certification and CSME certification
Professional Experience
AFS, Cleveland, Ohio October 2024 – Present
Senior Manager
Oversee consumer protection quality assurance within the U.S. Department of Education account.
Establish standards and implement procedures to ensure that operational and financial systems and processes effectively have consumer protection risks identified, monitored, managed, documented, and mitigated.
Plan and coordinate consumer protection risk assessments to recommend improvements to senior management.
Monitor and analyze deficiencies and irregularities to provide effective solutions.
Communicate with consumer protection-focused agencies to facilitate resolution of inquiries, examinations, or audits related to consumer-protection law.
Organize and supervise activities related to quality assurance and consumer protection.
Develop and oversee quality assurance training for the management and employees.
Report key concerns to senior management.
Navy Federal Credit Union, Vienna, VA January 2022 – October 2024
Compliance & Public Policy Manager (Collections)
Ensure org-wide compliance with federal regulations. Assist in leading ongoing operational strategy and alignment with corporate and departmental strategic goals. Ensure the credit union is in compliance with applicable regulations and established policies and procedures. Assist senior management in developing action plans for operational improvement.
Oversees the analysis of new and existing federal regulations to ensure that Navy Federal is in compliance with established standards.
Develops operational strategic plan; identifies and addresses areas of significant risk and evaluates overall effectiveness of operations.
Coordinates and supervises the review and analysis of federal regulatory compliance efforts.
Prepares responses to regulatory requests for comments, as well as letters and correspondence to support Navy Federal’s positions and proposals and maintains existing policies and procedures.
Develops strategic implementation plans to ensure cohesive efforts across business units for new and ongoing enterprise-wide initiatives.
Identifies existing and new issues pertaining to corporate compliance with state and federal regulations to ensure necessary policies, strategies and procedures are implemented.
Acts as a subject matter expert with Navy Federal business units to ensure regulatory compliance in order to facilitate, improve, and strengthen business operations.
Keeps the AVP, Regulatory Compliance and business units apprised of compliance status, as needed or required.
Oversees the Compliance Analysts charged with reviewing proposed and final federal regulations and regulatory guidance.
Provides guidance on issues having department and/or organization-wide impact.
Monitors and reviews new and existing regulations and legislation to ensure Navy Federal compliance.
Works on complex issues requiring in-depth knowledge of organizational objectives.
Oversees and prepares correspondence to Congress and federal regulators, for the President's signature, to express Navy Federal’s position on proposed legislation and regulations.
Responds to General Counsel and senior management requests for specific legal interpretation and/or application of laws and regulations.
Leads operational/business analysis and action plans for operational improvement.
Performs managerial duties.
Leads branch and sets performance standards, expectations, direction, goals, assignments, and schedules to ensure objectives and achievements align with department and company strategies.
Oversees the work of Compliance Analysts and Senior Policy and Compliance Officers to ensure timely delivery of quality services.
Selects, assesses, rewards, counsels and develops team members.
Collects, compiles and prepares reports and data for management decision making.
Ensures compliance with all applicable statutory requirements and Navy Federal policies, procedures, rules, regulations and values.
Sets direction for, and enforces consistent execution of corporate and division strategy through adherence to set objectives, goals, policies and procedures.
Provides insight and individual business unit perspectives to help facilitate and strengthen operations’ compliance-related decision-making.
Serves as subject matter expert for technical advice and guidance related to compliance issues for the organization.
Ensures effective management of projects from inception through implementation.
District of Columbia, Washington, D.C. February 2016 – January 2022
Supervisor of the Non-Depository Examination Team, April 2017 – January 2022
Participate in the drafting and implementation of policies and procedures. Assist the Associate Commissioner with developing internal management controls for monitoring the agency non- depository examination activities and develop operational strategies to implement them. Assist with short- and long-term planning as necessary to accomplish DISB mission.
Worked with Encompass to ensure DC regulations and forms were correct in the system. Also worked to ensure any updates were performed.
Conduct risk evaluations of non-depository and depository organizations. Examined organizations information to determine the institution’s exposure to industry risk and its capacity to navigate and weather severely adverse scenarios.
Conduct, supervise and direct examinations of non- depository financial institutions regulated by the Department. Such examinations require a careful appraisal of the financial institutions compliance with applicable District and Federal statutes, regulations, administrative bulletins and directives. When not supervising or directing the examination the incumbent may assign an examiner as a Team Leader.
As required, the incumbent may meet executives of the financial institution to discuss the findings of the examination. Conduct special examinations of institutions under the jurisdiction of the Department, which have been, or may be, cited under the District's statutes.
As assigned, engage in special projects or other supervisory activities and serve temporary duty as acting review examiner (e.g., review reports of examination and/or investigation or performs administrative duties) in the Examination Division.
Is responsible for assigning duties to, supervising and reviewing the performance of examiners and devotes considerable time and effort to further the training and evaluating the progress of examiners working under the incumbent's direction.
Conducts or oversee investigations, make recommendations, and submit reports or investigations relative to proposed DC Government Career Opportunities transactions by non- depository financial institutions.
Serves as a point of contact with the American Association of Residential Mortgage Regulators (AARMR), the Consumer Financial Protections Bureau (CFPB) and other state and federal agencies and associations involved in the regulation of non-depository financial institutions.
Bank Examiner, February 2016 – April 2017
Conducts examinations of non-depository financial institutions in the District of Columbia. Reviews reports of Bank examinations for accuracy, adequacy, validity of conclusions, clarity of presentation, and conformance with procedures, standard methods and established policies.
Conduct risk evaluations of non-depository and depository organizations. Examined organizations information to determine the institution’s exposure to industry risk and its capacity to navigate and weather severely adverse scenarios.
Reviews mortgages, notes and other loan documents. Provides an evaluation of the management and soundness of loan and investment policies of non-depository financial institutions in the District of Columbia.
Analyzes delinquent loans including consideration of such matters as to the extent of delinquency in individual loans. Conducts an expert analysis of non-depository other financial institutions in the District of Columbia liquidity position. Develops comprehensive reports of findings. Develops and makes recommendations for compliance or other action. As assigned, participates in special projects.
Conducts investigations of banks and other financial institutions in the District of Columbia which have submitted applications to establish branches, relocate offices, exercise trust powers or other proposed transactions requiring authorization by the Office of Insurance, Securities and Banking. Conducts special examinations of banks and other financial institutions in the District of Columbia, which have been, or may be cited under governing statutes. Performs other related duties as assigned.
State of Maryland, Baltimore, MD December 2013 – May 2015
Regulatory Financial Examiner II
Examined the records and accounts of non-depository financial institutions to ensure compliance with laws and regulations; lead/participated heavily in examination management and managing regulatory changes; dealt directly with the Federal Reserve and/or CFPB, and presented results to senior management.
Performed collateral valuation for mortgage loans.
Audited all aspects of insurance products, such as placements, service charges, payments, homeowners’ insurance, voluntary unemployment, title and non-filing insurance issued by non-depository companies.
Examined all repossessions for proper compliance with rights of redemption, accounting of sale proceeds and determination as to a bona-fide sale.
Examined all facets of foreclosures of real property, including reconciling balances to account for charges and expenses incurred during the sale.
Reviewed, analyzed and investigated consumer complaints.
Determined the financial condition of institutions to protect consumers, including preparing schedules and work papers detailing the financial condition, level of compliance and all other policies and practices of the non-depository institution, and rating the overall financial condition of non-depository institutions by applying the appropriate standards.
Rated the quality of loans and lending practices of non-depository institutions by applying the appropriate standards; determined and verified the value of investment portfolios; prepared draft reports of examinations and review findings for final approval; rated the level of compliance with the various consumer protection laws by applying the appropriate standards.
Audited and analyzed mortgage loans for predatory lending practices such as property flipping, inflated loans, over-valued appraisals and verification of income sources for the protection of consumers; researched and drafted responses on proposals, such as the interpretation of statutes, from various entities or attorneys, pertaining to State or federal laws, rules and regulations.
Worked with numerous regulations including RESPA, HMDA, Regulation X, Predatory Lending, TILA, DoddFrank, Flood Disaster Protection Act, Truth-in-Lending, ECOA, Fair Housing Act, CRA, HMDA, Fair Lending, HOEPA, Predatory Lending, FCRA, FACT Act, Privacy, Loans to Insiders, UDAAP, S.A.F.E. Act and Service Member's Civil Relief Act.
Additional Experience
Key Bank, Brooklyn, OH Mortgage Processor/Product Development Auditor
First American Title, Cleveland, OH Researcher 1
Education
Masters of Arts (MA) Criminal Justice, University of South Florida - Tampa, FL
Master of Business Administration (MBA), Chancellor University / David N Myers University - Cleveland, OH
Bachelor of Arts (BA) Criminal Justice, Chancellor University / David N Myers University - Cleveland, OH
State of Florida Law Enforcement Officer, 2010 – December 2013
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