Compliance Officer Risk Management

Michael Long

*** **** **., **********, ** *****

309-***-**** *********************@*****.***

COMPLIANCE OFFICER

25+ years’ success leading Compliance, Community Reinvestment Act, BSA, Fair Lending,

Internal Audit, Risk Management, Security, and Fraud within financial institutions

Highly focused, results-driven business professional with excellent analytical and problem-solving skills. Many successes realized as a result of a keen ability to assess, prioritize, manage and execute multiple tasks and assignments. Solid communication skills (written and oral), coupled with a strong sense of commitment and sound judgment, further promote effective collaboration among teams to meet established deadlines.

Highlights of Expertise

Lending and Deposit Compliance

Community Reinvestment Act

Internal Audit / Internal Controls

Enterprise Risk Management

Regulatory Governance

Fair Lending

Anti-Money Laundering / BSA

Project Management

Analytical and Detail-Oriented

Strategic Planning

Fraud Detection and Prevention

Problem Resolution

Team Building / Leadership / Mentoring

Policies and Procedures Compliance

Career Experience

Sick leave

(cancer)

october 2022 to October 2023

Washington, Illinois

Fortress Bank, Peoria, IL

Vice President /Compliance Officer/ Community Reinvestment Act Officer

(November 2019 to october 2022)

Conduct Internal Compliance Audits

Oversee Compliance Committee – Management

oversee Audit and compliance committee – Board of directors

Policy Updates

Fair Lending

Risk Assessments

Training Officer

liaison to auditor and examiners

keeping staff up to date on current regulations:

flood insurance, home mortgage disclosure act, community reinvestment act, fair lending,

real estate settlement procedures act, truth in lending, trid, expedited funds availability

Michael Long Compliance Consulting, Washington, IL

COMPLIANCE CONSULTANT (September 2016 to November 2019)

Conduct Audits/ Reviews for: RESPA, REG Z, HMDA,CRA, ECOA,FAIR HOUSING,BSA

Tyndall Federal Credit Union, Panama City, Florida

VICE PRESIDENT /COMPLIANCE OFFICER (January 2014 to September 2016)

Responsible for the supervision of all aspects of internal audits conducted (planning, testing and reporting), risk assessments, control evaluation, and remediation.

Supervised Internal Audit staff members in conducting audits to ensure compliance with established policies and procedures.

Prepared reports to discuss findings and recommendations with management.

Performed follow-up testing to ensure that corrective action plans had been executed in a timely manner; reported results to senior management.

Led monthly Supervisory Committee meetings.

Reviewed existing policies and procedures to ensure compliance with audit regulations and internal guidelines; recommended changes wherever necessary.

Conducted periodic walkthroughs of medium-to-low risk processes to gauge the design and overall effectiveness of operational and financial controls.

Implemented testing involving business, control environment processes and information technology.

Evaluated the performance of Internal Audit staff members.

Western Bank, Lubbock, Texas

Banking institution serving the financial needs of West Texas.Asset size = $203Million

VICE PRESIDENT / CHIEF COMPLIANCE OFFICER (January 2010 to January 2014)

Reported directly to the President and Audit Compliance Committee with oversight of Compliance, Fair Lending, Enterprise Risk Management, Bank Secrecy Act Enforcement, Foreign Assets Control, Community Reinvestment Act, Training, Security, and Fraud.

Chaired and founded several Committees for each of the above-referenced areas.

Developed and executed Enterprise Risk Management Program; authored policies.

Supervised Compliance and Loan Audit Department staff members.

Conducted audits to ensure compliance and adherence to various regulatory statutes.

Investigated fraudulent activity and implemented prevention methodology.

Liaison for FDIC and State of Texas Exams (Compliance, Risk, Fair Lending, BSA, CRA).

Managed vendor relations.

Reviewed and updated policies and procedures.

Trained and developed staff members.

EDS Credit Union (name changed to intouch cu), plano, tx

InTouch Credit Union has proudly served its members in the Dallas area since it was chartered in 1974, formerly Electronic Data Systems (EDS) Credit Union.Asset size = $783Million

VICE PRESIDENT / CHIEF COMPLIANCE OFFICER(March 2008 to November 2009)

Served in several capacities, leading special projects working with various departmental heads converting new lending software system, vendor management and acquisitions of other credit unions. Responsibilities included, but were not limited to:

Headed Audit Committee.

Spearheaded all compliance audits, fair lending compliance, fraud detection and prevention, deposit and lending disclosures;

Reviewed and approved all advertising campaigns for Reg Z and TISA compliance.

Created and updated compliance policies and standard operating procedures.

Liaised with external auditors and NCUA / State Examiners.

Parsons, Newport, IN

Cost Control Accountant(2006 to 2007)

Area Wide Real Estate, Kansas, IL

Real Estate Agent (2005)

Housing Authority of Edgar County, Paris, IL

Accountant (2003 to 2004)

BUSEY BANK, Champaign, IL

A wholly-owned bank subsidiary of First Busey Corporation, headquartered in Champaign / Urbana, IL, with twenty-seven banking centers serving Illinois, Indiana, Missouri, and Florida.

Asset size = $3.86Billion

VICE PRESIDENT / CHIEF COMPLIANCE OFFICER (June 1995 to August 2003)

Managed compliance staff and had oversight for numerous cross-functional teams within various departments and managers. Responsibilities included, but were not limited to:

Performed loan review for credit risk.

Conducted training of Consumer Compliance Regulations for all personnel.

Managed several projects (due diligence for potential acquisitions).

Supervised BSA Officer and all Anti-Money Laundering procedures.

Audited bank’s compliance with applicable consumer protection and civil rights laws and regulations (lending, deposits, Fair Lending, and others).

Completed quality control audits of real estate loans sold on secondary markets, including Freddie Mac, Fannie Mae, Veterans Administration, and Federal Housing Authority.

Created and maintained policies and procedures.

FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC), Champaign, IL

A United States government corporation providing deposit insurance to depositors in U.S. banks. Regulates State Non-member Banks.

COMPLIANCE / RISK EXAMINER (June 1987 to August 1995)

Commissioned as Risk Examiner before changing career path to Compliance Examiner. Key office representative for planning and conducting comprehensive compliance examinations. Responsibilities included, but were not limited to:

Supervised all assistant Compliance Examiners.

Presented and discussed examination findings and apparent violations with management and Board of Directors, and assisted management with the development of programs to correct procedures leading to violations.

Reviewed Home Mortgage Discrimination Act data for accuracy and evaluated Fair Lending practices with respect to anti-discrimination laws.

Conducted Bank Secrecy Act examinations.

Performed evaluation of bank management and its policies and procedures.

Education

Bachelor of Business in Accounting, Magna Cum Laude

Western Illinois University, Macomb, IL

Certifications

Bank Secrecy Act Compliance Specialist (BSACS) certification (2014)

Credit Union Compliance Expert(CUCE) certification (2015)

Credit Union Enterprise Risk Management Expert (CUERME) certification (2016)

Contact this candidate