Risk Management Assessment

Monette Paul

Dallas/Fort Worth, TX ***** Cell 469-***-****

Email: *************@*****.*** www.LinkedIn.com/in/monettepaul Highly analytical financial professional with 15+ years of experience in investigation, risk assessment, and regulatory compliance, adept at resolving complex financial matters. Proven ability to conduct thorough field investigations, analyze sophisticated financial documents, and ensure compliance, directly transferable to claims adjusting and settlement. CORE COMPETENCIES:

Risk Management & Compliance: Federal/State Regulations, SOX Compliance, Risk Assessment Financial: Balance Sheets, Income Statements, P&L Analysis, Asset Investigation, Credit Analysis Audit & Controls: IT General Controls, Application Controls, Internal Control Testing, GRC Systems Tax & Collections: IRS Procedures, Tax Code Interpretation, Asset Recovery, Taxpayer Counseling Project Management: Multi-project Coordination, Stakeholder Management, Process Improvement Technology: ERP Systems, Oracle, AS400, Active Directory, Audit Management Systems Communication: Report Writing, Executive Presentations, Cross-functional Collaboration PROFESSIONAL EXPERIENCE:

Revenue Officer - Internal Revenue Service (Fort Worth, TX) July 2023–current

• Collected delinquent taxes and secured delinquent returns, ensuring taxpayers' rights were disclosed and observed throughout the process.

• Conducted in-depth financial research to determine actions necessary for bringing taxpayers into full financial compliance, including implementing enforced collection actions when appropriate.

• Performed field interviews with taxpayers (and/or their representatives) to investigate delinquent tax obligations and gather financial information.

• Educated taxpayers on filing, depositing, and payment requirements, with a consistent focus on achieving full financial compliance.

• Analyzed and identified the financial standing of diverse taxpayers, including high-income individuals, self- employed professionals, and large partnerships/corporations across retail, manufacturing, construction, wholesale, healthcare, and labor sectors.

• Investigated complex assets such as patent rights, leasehold interests, royalties, franchise rights, cyber assets, and limited foreign financial interests.

• Utilized public records (state employment data, motor vehicle records, credit reports, Accurint, court documents) to obtain crucial financial documentation when taxpayers failed to provide sufficient information. Business Risk Analyst – Navy Federal Credit Union (remote) October 2022 – June 2023

• Analyzed and reported on Navy Federal’s financial risk profile, quality, and controls to identify areas for improvement and mitigation.

• Conducted comprehensive financial risk assessments to ensure compliance with federal and state regulatory requirements and industry standards.

• Managed 19 complex projects focused on improving financial controls to mitigate identified deficiencies across business units.

• Reviewed current policies and procedures to identify process gaps and opportunities for improvement in financial operations and controls.

• Prepared and presented summaries and operational and regulatory financial risk reports to management and affected business units.

Compliance Risk Analyst – Santander USA (remote) December 2021 – October 2022

• Drove the execution of a data classification program to assess data classification assigned to financial applications, ensuring data integrity for financial reporting.

• Developed and delivered training on policies and procedures concerning financial controls and risk management.

• Contributed to escalation, reporting, and communication of program updates and quality assurance governance forums related to financial processes.

• Ensured adherence to Risk Frameworks, Policies, and Standards by collaborating with Subject Matter Experts

(SMEs) to provide input and review.

• Analyzed documentation for evidence of successful and efficient financial performance and control effectiveness.

• Assisted in the collection and initial analysis of financial data and the preparation of business control.

• Conducted quality audits on all routine and complex financial transactions and correspondence to ensure proper processing and reporting.

Audit Coordinator – First Command Financial Services July 2013–June 2019

• Performed all stages of the audit lifecycle (planning, fieldwork/execution, reporting) and identified testing exceptions, particularly concerning financial data integrity.

• Conducted total system security audits of multiple leading ERP systems (including AD Directory, Callidus) which support core financial functions.

• Created final audit reports and oversaw the implementation of corrective action plans with all levels of management, ensuring resolution of financial control deficiencies.

• Contributed to department initiatives supporting the development of the Internal Audit function, with a focus on financial and operational audits.

• Conducted compliance and risk assessment of company operations action plans using Governance, Risk, and Compliance (GRC) systems, specifically for financial processes. Business Analyst – Bank of America (Countrywide) April 2007 – April 2013

• Audited various foreclosure projects according to internal company guidelines, as well as federal and state guidelines, ensuring financial accuracy and compliance.

• Facilitated meetings between all division project stakeholders to ensure alignment on financial processes and project objectives.

• Provided ongoing support and mediation to SMEs/Project Coordinators during process improvement exercises, often related to financial workflows.

• Performed baselining, tracking, and reporting discrepancies within projects, including budgets, schedules, risk analysis, and scope management during migration of processes to offshore partners.

• Identified contested FCL and coded to ensure proper reporting of delays to investors to reduce potential fines related to financial non-compliance.

Loan Administrator –U.S. Government Small Business Disaster (SBA) May 2005–October 2006

• Accurately managed all SBA Disaster Loan transactions, ensuring compliance with financial regulations.

• Responsible for coordinating all Federal Emergency Management Agency (FEMA) activities for commercial and residential loans, involving financial assistance distribution.

• Verified the integrity of customer data, ensuring compliance with the Sarbanes-Oxley (SOX) Act for financial reporting.

• Contributed to the preparation of Loan Agreement documents, including confirmation of income and assets, a key part of financial due diligence.

• Transitioned residential and commercial loans during disaster events from initiation to timely completion, managing financial flows.

• Completed due diligence on outstanding verifications in compliance with Small Business Disaster policies, ensuring financial accuracy.

EDUCATION:

Google – Cybersecurity 85% complete – completion end of July 2025 Green all Claims Adjuster – Certified Texas Claims Adjuster Texas license # 1974767 Project management Institute –PMP certification

Kaplan University 2012 9 Real Estate License Realtor (expired) Norwalk Community College-Norwalk, CT– Associates Business Marketing/Management -1993 AWARDS & CERTIFICATIONS:

Certified Information Security Auditor 4/2021 Information Security Risk Management 11/2019 Lean Six Sigma Yellow Belt 7/2017 Business Analyst (BA) 2/2012 Project Management (PM) 7/2013 Texas Claims Adjuster License 7/2014 Revenue Officer (RO) 7/2024 Bilingual in French

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