Risk Management Financial Services

KARL SCHMIDT

Thiensville, WI • 262-***-**** • ️ *************@*********.***

Experienced Banking & Financial Services Professional • Risk Management • Compliance • Fraud Prevention

PROFESSIONAL SUMMARY

Results-driven and experienced financial services professional with over 30 years of experience in banking, risk management, fraud investigations, and compliance. Proven ability to manage operations, assess financial risk, lead AML initiatives, and deliver exceptional customer service. Adept at supporting regulatory compliance, reducing losses, and optimizing financial performance. Strong leadership skills with a background in both corporate banking environments and public safety roles.

CORE COMPETENCIES

Consumer & Commercial Banking

Risk & Fraud Investigations

Regulatory Compliance (AML, Title 31)

Financial Product Sales & Account Management

Loss Prevention & Audit Oversight

Client Relationship Management

Loan Processing & Credit Analysis

Branch Operations & Staff Training

Notary Services • NMLS Certified • HR Management

PROFESSIONAL EXPERIENCE

Personal Banker

Wells Fargo Bank — Mequon, WI 2021 – 2022

- Delivered full-service banking support including checking, savings, personal loans, and debit/credit card issuance.

- Assisted clients with financial planning and connected them to wealth and mortgage specialists.

- Provided notary services and handled sensitive account updates and fraud alerts.

Personal Financial Officer (Contractor)

Landmark Credit Union — Mequon, WI 2021

- Managed new account openings, loan applications, and credit card issuance in a new branch environment.

- Opened over 27 new checking/savings accounts in the first month, surpassing branch goals.

- Handled HELOCs, vehicle loans, and specialized accounts including IRAs and HSAs.

Branch Lending Manager

TCF National Bank — Milwaukee, WI 2009 – 2011

- Closed over 125 loans ranging from $5,000 to $3 million; performed credit analysis and collections.

- Led AML investigations and Title 31 reviews, preventing over 65% in potential losses.

- Trained staff on loan procedures, regulatory compliance, and customer engagement strategies.

Fraud Prevention Officer

Potawatomi Casino & Hotel — Milwaukee, WI 2020 – 2021

- Monitored transactions and conducted fraud investigations involving large cash exchanges.

- Reviewed gaming activities under Title 13 and implemented AML protocols.

- Collaborated with tribal and federal regulators to maintain compliance.

Self-Employed Financial Care Manager

Court-Appointed – Mequon, WI 2011 – 2022

- Managed estates, property sales, and healthcare finances for elderly family members under POA.

- Oversaw asset liquidation, account protection, and long-term care coordination.

- Worked closely with legal and medical professionals to ensure fiduciary responsibility.

EDUCATION & CERTIFICATIONS

Concordia University, Mequon, WI

Bachelor of Arts – Criminal Justice Management

Minor: Human Resource Management

NMLS Certified #512036 (Valid through 2026)

Notary Public – State of Wisconsin

CPR/AED/First Aid Certified (Valid through 2026)

Wisconsin Security Guard License (2026)

WI Concealed Carry License (2028)

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