Risk & Compliance Auditor with Banking Focus

Monica Coumpy Rawlins

*************@*****.*** linkedin.com/in/monica-r-21502399 469-***-**** Ferris, TX Personal Summary

Results-driven professional with extensive experience in risk management, internal audit, and regulatory compliance across the banking and financial services sector. Skilled in performing control testing, risk assessments, operational reviews, and compliance audits to ensure alignment with federal regulations, internal policies, and industry standards. Adept at identifying control deficiencies, mitigating risk exposure, and collaborating with cross-functional teams to implement sustainable corrective actions. Proven success supporting regulators, auditors, and senior leadership in maintaining transparency, accountability, and financial integrity.

Work Experience

Sr Auditor - Charles Schwab, Operations 2023 – 2024 Performed end-to-end operational, financial, and third-party audits to evaluate control effectiveness, regulatory compliance, and risk mitigation. Collaborated with cross-functional stakeholders to strengthen governance, documentation quality, and remediation outcomes.

Executed end-to-end audit reviews include scoping, planning, due diligence, control testing, and final reporting for both internal operations and external supplier engagements.

Partnered with 1LOD and 2LOD stakeholders to evaluate third-party control environments, ensuring vendor compliance with corporate risk policies and safeguarding sensitive data.

Identified deficiencies and developed remediation plans in collaboration with process owners.

Drafted and maintain clear documentation to support audit conclusions and ensure regulatory transparency.

Delivered governance reports and presented findings to senior management, facilitating timely remediation and stronger oversight practices. Auditor III – Citi Bank, PBWM 2022 – 2023

Presented quarterly business monitoring reports incorporating vendor performance metrics, control effectiveness, and risk trend analysis.

Evaluated and tested third-party technology and fraud controls for digital banking channels (Zelle, ACH, ATM, online applications).

Collaborated with IT and business units to identify and mitigate supplier- related operational and cyber risks.

Conducted operational and control testing across fraud management and financial transaction processes.

Core Competencies

Third-Party Risk Management

Contract Review

Operational Efficiency

Process Improvement

Risk Assessment & Mitigation

Issue Management & Resolution

Stakeholder Engagement

Governance Framework

Customer Relationship Management

Regulatory Compliance (OCC, FRB)

Business Development

Presentation Skills

Data Analysis & Reporting

Audit Planning & Execution

Supplier Due Diligence

1LOD/2LOD Partnership

Education

Texas Tech University

Bachelor of Science Degree

Organizational Leadership (ECD: 2026)

Navarro College

Associate of Arts Degree

Business & Psychology

Texas Tech University

Digital Credentials

Organizational Relationships

Leadership

Professionalism

Strategic Staffing

Sr. Auditor - Wells Fargo Bank, CDF 2017 - 2021

Evaluated third-party vendor compliance within multimillion-dollar commercial lending relationships, reviewing contracts, tax returns, and balance sheets.

Comprehensive risk assessments analyzed include third-party oversight, contract adherence, and operational risk mitigation.

Provided direct guidance to business partners on strengthening controls and aligning with governance standards.

Completed independent end-to-end financial audits on clients to ensure SLA compliance.

Case Manager – State of Texas HHSC 2015 - 2017

Performed complex tasks related to the STAR kids’ program, MEPD, CHIP Medicaid, and ME-SSI waivers.

Obtained, verified, and calculated income and resources to determine client financial eligibility.

Processed changes to client status, overpayments, and adjusts or restores benefits.

Developed and executed strategic pipeline procedures to enhance visibility, in production of completing application status changes, and fostered a high- performance culture focused on exceeding disability cases. Sr. Underwriter – Bank of America 2010 - 2014

Assisted mortgage account customers with eligibility, documentation, and application processing for the Making Home Affordable (MHA) and mortgage refinance programs.

Reviewed and approved loan conditions, verified borrower income, credit, and asset documentation, and ensured all files met Fannie Mae, Freddie Mac, FHA, and internal underwriting guidelines.

Prepared loans for closing, coordinated with title, escrow, and compliance departments to confirm accuracy of disclosures and documentation.

Analyzed complex financial data, including tax returns, W-2s, paystubs, bank statements, divorce decrees, and trust documentation to assess borrower qualification and mitigate risk.

Utilized automated underwriting systems, and Microsoft Office Suite to document findings and track loan status through approval and funding.

#HRJ#da7be782-d488-45fd-8c94-56fb98d78152#

Contact this candidate