Quality Control Management

Deborah Penton

*** ***** ***** *******, ** *****

985-***-**** Res 504-***-**** Cell ***********@*********.***

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COMPLIANCE OFFICER/BANK SECRECY ACT OFFICER

20 years of bank Compliance and Bank Secrecy Act Officer experience with a proven record of satisfactory compliance management.

PROFESSIONAL EXPERIENCE

Compliance Officer, May 2010 to Present

Guaranty Savings Bank, Metairie, LA

Develop, implement and administer Compliance Management Program

Develop policies and procedures for emerging and changing regulations

Chair monthly Compliance Committee meetings

Manage internet compliance training,

Provide staff compliance training as needed

Investigate and respond to complaints filed against organization until satisfactory resolution

Fair Lending Committee member/Fair Lending Review

Coordinate bank regulatory examinations, compliance and external audits

Coordinate management responses to audits

Perform special audits directed by management and Board of Directors

Present compliance audits to Audit Committee

Advertising and new product compliance review

CRA and Privacy Officer

Asst. BSA/OFAC Officer

Present monthly Compliance Report to Board of Directors

Audit Home Mortgage Disclosure Act Loan Application Register, coordinate corrections and file timely regulatory report

Quality Control Officer, November 2008 to May 2010

First NBC Bank, New Orleans, LA

Perform regulatory compliance audits

Manage Community Reinvestment Act program

Quality Control - Retail Operations documents and computer input

Fair lending tracking and reporting

Loan compliance review, exception tracking and reporting

Vendor review

Foreign correspondent account due diligence

Develop regulatory compliance policies and procedures

Legal processing

Advertising and new product review

Home Mortgage Disclosure Act administrator

Compliance Officer, November 1998 to November 2008

Resource Bank, Covington, LA

Develop, initiate, maintain and revise policies and procedures

Perform audits of banking regulations and report results to Audit Committee

Coordinate all regulatory and independent audits

Compose audit responses to regulatory agencies

Prepare monthly Past Due, Watch, and Allocation for Loan Loss Reserves Reports

Manage compliance staff and work flow

Coordinate bankwide internet compliance training

Coordinate and perform staff compliance training

Maintain compliance communication program for the organization

Coordinate timely retrieval of documentation for subpoenas

Investigate and respond to complaints filed against organization until satisfactory resolution

Report progress of Compliance Timeline to Board of Directors monthly

Present monthly compliance training to Board of Directors

Coordinate IRS B Notice letters to customers

Preapprove all advertising, contracts and disclosures

BSA Officer, November 1998 to November 2008

Resource Bank, Covington, LA

Develop, initiate, maintain and revise policy and procedures relating to BSA, AML, OFAC

Conduct yearly staff training

Review reports to detect patterns of suspicious activity

Review Currency Transaction Reports for accuracy

Investigate transactions of potential suspicious activity

Chair monthly Suspicious Activity Report meetings

Prepare Suspicious Activity Reports and present to Board of Directors

Point of Contact and processor for Sec 314 A inquiries

Compliance Officer, 1997-1998

Gulf Coast Bank & Trust Company, New Orleans, LA

Manage all regulatory compliance for the organization

Oversee all audits and responses to examinations

Subpoena Officer

Loan Administration Manager and Compliance Auditor, 1995-1997

Gulf Coast Bank & Trust Company, New Orleans, LA

Oversee collateral vault and loan files

Audit all loans for documentations, compliance and computer input

Track loan exceptions

Laser-Pro Coordinator, CRA Officer

Prepare monthly Watch Report and Past Due report for Loan Committee

Audit various departments for regulatory compliance

EDUCATION

Metavante – Masters Deposit, BSA, and Lending Compliance School

National Graduate Compliance Management School, Indianapolis, IN

National Compliance School, Norman, OK

Ozone Real Estate School, Slidell, LA

Tulane Business College, New Orleans, LA

Graduated Salmen High School, Slidell, LA

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