Compliance & Regulatory Oversight Analyst
Resume:
Jodith Marie Morgan
Compliance & Regulatory Oversight Analyst
**************@*******.*** • 330-***-****
LinkedIn • Olive Branch, MS 38654
Results-driven and analytical professional with extensive experience mitigating risk, ensuring regulatory adherence, and enhancing organizational integrity across banking, financial services, and government-assisted programs.
Expert in interpreting and operationalizing federal and state regulations, including ECOA, FCRA, UDAAP, Fair Lending, Servicemembers Civil Relief Act (SCRA), Privacy with financial and consumer data, Military Lending Act (MLA), and Treasury Rental Assistance requirements. Skilled in compliance program development, third-party risk management, audit testing, control validation, and executive reporting. Proven ability to reduce legal exposure, optimize operational workflows, and strengthen cross-functional teams. Adept at leveraging compliance dashboards, monitoring frameworks, safeguarding regulatory compliance, and supporting strategic business objectives while aligning with regulatory expectations from CFPB, FDIC, and OCC.
Areas of Expertise
● Regulatory Trend Analysis
● Emerging Risk Identification
● Policy Development & Execution
● SCRA & MLA Compliance
● Operational Risk Assessment
● Internal Audit Coordination
● Compliance Training Program Design
● CFPB Oversight
● Workflow Optimization
● Privacy Program Support
● Vendor & Third-Party Risk Evaluation
● FDIC Standards
Career Accomplishments
●Reduced regulatory exposure by tracking privacy trends, dissecting new statutes, and analyzing emerging risks across SCRA, MLA, and consumer protection regulations.
●Enhanced compliance transparency by building executive dashboards, performing control testing, and driving timely remediation aligned with CFPB, FDIC, and OCC regulatory expectations.
●Minimized legal risk by interpreting regulations, assessing litigated matters, and implementing corrective actions for lenders and investors.
●Advanced organizational alignment by communicating leadership priorities, implementing operational roadmaps, reinforcing procedural updates, and maintaining budget discipline.
Professional Experience
Treliant Consulting (Washington DC) Acquired by Huron Consulting (Chicago, IL)
Compliance Consultant, Remote
2025 — 2026
Supported regulatory compliance initiatives for clients in financial services, focusing on risk assessments, policy reviews, and operational adherence. Developed and implemented compliance monitoring frameworks to ensure alignment with federal and state regulations and oversight expectations from CFPB, FDIC, and OCC. Project concluded successfully, delivering actionable compliance recommendations within the designated timeframe.
. Conducted due diligence reviews for adherence contractual and master service agreements for all third-party vendors. Performed regulatory reviews to ensure compliance with regulations and company, policies, procedures and expectations. proper adherence to vendor management requirements.
Non-Profit Organization, Remote
Missions Director
2024 — 2025
Spearheaded community outreach initiatives, coordinating volunteer programs and events to maximize engagement and impact. Licensed life insurance agent in MS, Ohio, and Michigan, providing guidance on financial planning and insurance education.
●Designed and executed educational campaigns, including online financial literacy presentations, reaching diverse community audiences.
Wells Fargo – Charlotte, NC
Compliance Consultant, Remote
2023 — 2024
Fortified legal defensibility by collaborating with counsel and staff attorneys to interpret and confirm critical compliance obligations. Closed control gaps by mapping regulatory requirements to operational workflows and embedded risk controls across business units. Clarified complex regulatory exposure by researching statutes with legal subject-matter experts and translating findings into actionable process guidance. Averted enforcement scrutiny by advising on core consumer regulations, including bankruptcy, loss mitigation, credit card compliance, and repossession standards.
●Safeguarded legacy compliance frameworks by reviewing and validating applicability of historical laws, and regulatory requirements.
●Reviewed loan files, card applications, and disclosures to ensure compliance with ECOA, FCRA, and Fair Lending regulations.
●Standardized control validation with templates and test scripts for Visa, Mastercard, and private-label portfolios.
●Mitigated regulatory misapplication risk by analyzing law and rule citations within compliance inventories for Home Lending, Auto Lending, Credit Cards, Merchant Services, and third-party vendor contracts.
Mastech Inc/Deloitte – Moon Township, PA
Compliance Consultant, Remote
2021 — 2023
Ensured program integrity by conducting detailed compliance reviews of tenant and landlord applications under Treasury Rental Assistance guidelines. Maintained data accuracy by analyzing reports, auditing case files, and updating information systems to preserve database integrity. Resolved application discrepancies by investigating supporting documents and escalating findings within mandated timelines for corrective action.
●Streamlined ERA program workflows to meet U.S. Treasury requirements.
●Protected funding eligibility by scrutinizing rental assistance files and Medicare documentation for adherence to program standards.
USAA Bank – San Antonio, TX
Compliance Risk Analyst/Compliance Tester, Remote
2019 — 2021
Advised Federal Regulators by interpreting regulations, internal policies, and procedural standards with clarity and authority. Enhanced risk oversight by collaborating on regulatory assessments, fraud reviews, policy evaluations, and consumer-facing compliance projects. Validated transactional integrity by performing targeted data testing and ensuring accurate evaluation outcomes.
●Improved issue management by leading regulatory reviews, monitoring UDAAP and Third-Party Risk programs, and reporting findings to line-of-business leadership.
●Built cross-functional compliance programs by partnering with departments to execute monitoring plans, conduct risk reviews, and deliver impactful training initiatives.
●Influenced business decisions by providing actionable guidance on privacy risks and navigating complex regulatory interactions.
Independent Bank – Troy, MI
Assistant Vice President Compliance Officer
2017 — 2019
Ensured operational accountability by overseeing monitoring schedules and crafting management action plans to resolve compliance gaps efficiently. Directed Compliance Management Program operations by aligning policies with regulatory mandates to proactively address emerging risks. Enhanced cross-functional compliance by implementing monitoring programs, performing fraud risk reviews, executing compliance testing, and delivering targeted training initiatives.
●Identified compliance trends by analyzing data, performing gap assessments, and driving risk reviews.
●Secured departmental adherence to State and Federal regulations by developing, implementing, monitoring, testing, and administering the Regulatory Compliance program.
US Bank – Cincinnati, OH
Third Party Oversight Compliance Analyst
2014 — 2016
Reviewed and edited third-party assessments with Compliance Analysts to ensure accuracy, reinforced regulatory compliance through projects, and built a robust Third-Party Risk Management framework with business lines and RCA teams.
●Improved policy and procedure integrity by providing actionable stakeholder feedback to enhance completeness and accuracy.
●Protected compliance by evaluating business line marketing materials and reporting findings from multiple oversight agencies.
●Reduced operational losses by identifying process gaps, system vulnerabilities, and human errors and implementing corrective solutions.
Additional Experience
Compliance Analyst, Mindlance/Ally Financials – Farmington, MI Legal & Compliance Officer, JP Morgan Chase, NA – Columbus, OH Business Analyst, Mastech – Columbus, OH Business Banking Analyst, JP Morgan Chase – Akron, OH Co-Founder and Senior Office Administrator, Word of Life Ministries – Akron, OH
Education
Bachelor of Science in Business Management, University of Cincinnati – Cincinnati, OH
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