Executive
Resume:
DENISE HUGHETT, CRCM
Sandy, UT 84092
801-***-**** or **********@*******.***
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Strategic Management Executive
MBA with 27 years of comprehensive experience in strategic planning, compliance, operations, training, leadership committees, employee development, lending, sales, customer service, P&L responsibility, and budgeting. Demonstrated strengths include leadership, problem solving, market research, process improvement, change management, staff development, communications, board presentations, analytical thinking, policy/procedure development, and project management.
PROVEN TRACK RECORD
Leadership
• Asset and Liability Management Committee Member
• Proactive problem solver: analyzed trends to better position institution
• Creative: developed new products, programs, policies, and procedures
• Facilitator of communication: participated in mediation efforts, held management meetings, etc.
• Market Research Director of Strategic Marketing Committee
• Developed reports and structures for better analysis of data
• Project manager: oversaw several operational and compliance projects
• Newsletter editor – ensuring clear communication was integral to culture
• Communications team involvement – developed, reviewed, approved
• Acquisition team member
• Managed corporate governance program
Strategic Management
• Wrote business requirements for major initiatives
• Key work team and stakeholder group member – decision maker
• Business analysis experience
• Met all challenging deadlines
• Actively participated on many cross functional teams
• Performed process flow review and development
• Managed multiple projects for Fortune 500 company
• Member of off-shoring team responsible for moving diverse functions to India
• Process improvement experience
• Change management experience in relation to strategic initiatives
• Developed spreadsheets to track change requests, UAT scripts, and policies and procedures
Regulatory Compliance
• Trained staff on broad range of topics: developed material through effective use of technology
• Developed compliance programs from scratch integral in employer avoiding regulator enforcement
• Wrote audit reports with executive summaries to the Board
• Liaison between bank and regulatory authorities
• Community Reinvestment Act Officer
• Fair Lending Officer: built program from scratch, used models.
• Authored bank wide Disaster Recovery Plan
• Special Projects Manager
• Implemented legislative changes for both large and small institutions
• BSA Officer
• Online Banking program development
Human Resources & Training
• Performed Board education
• Developed self-assessment program for Board
• Aided in the development of several new policies
• Counseled and mentored employees to success
• Key player in the development of Staff Development Programs – pay standards, evaluations, competencies, training requirements, performance reviews, career pathing, etc.
• Developed and delivered interactive training materials on complex compliance topics for diverse audiences
• Supervised Human Resources
• Conducted performance reviews
• Conducted interviews and recruiting (included job fairs)
• Hiring and firing experience
Lending, Operations & Sales
• Experienced originator, processor, underwriter, pricer, closer, servicer
• Institutions have had their best loan production levels under my guidance
• Developed databases and tracking systems, trained on automated systems, developed reports, procedure manuals & lending policies
• Effective marketing and data analysis of activity
• Secondary market experience – setting up program, pricing, accounting
• Team member on LoS implementation projects
• Managed servicing function
• Managed originations department
• Responsible for five branch network each with varying strategies
• Helped facilitate asset growth through improved policies, marketing & training
• Developed incentive programs and motivation tools
• Oversaw development of teller orientation program
• Worked the platform: account administration, sold annuities & insurance, customer service
Purchasing, Facilities & Record Retention
• Oversaw facilities department for a nine building institution
• Managed purchasing and stayed under budget consistently
• Maintained and formalized bank wide record retention program
• Key player in de novo branch construction, and office relocations
• Managed bank wide security program
• Performed vendor selection and negotiated contracts
WORK EXPERIENCE
Sallie Mae Bank, Murray, UT (October 2007 – Present)
-Chief Compliance Officer & Senior Director: Bank executive officer and Senior Director of SLM Corporation in charge of all regulatory compliance matters for the bank of the nation’s leading student loan provider. Position includes: staff management, vendor management, affiliate oversight, file reviews, fair lending, risk assessment, training material oversight and development, policy and procedure review and development, marketing and communications oversight, board meeting involvement, and implementation of new regulatory requirements. BSA and CRA Officer for the Bank.
Lehman Brothers Bank, Littleton, CO (2003 – September 2007)
-Vice President & Assistant Compliance Director: In charge of all major strategic business initiatives institution-wide from a compliance and operational perspective. Position includes: business analysis, process improvement, change management, project management, approval authority, resource allocation, policy & procedure review, training material review, budgeting, test script development and oversight of testing. Current
initiatives include: new loan origination system implementation, automated underwriting engine, off-shoring, centralization, imaging, and web portal updating. Additionally, I was the leader of the Communications Committee of the WILL Network.
-Vice President & Senior Compliance Officer, Regulatory Compliance: Oversee all areas of operational compliance, policy development, compliance training program, compliance implementation, compliance testing, documentation, exam responses, HMDA, Fair Lending Officer for a lender that operates in all 50 states.
Hudson Heritage FCU, Newburgh, NY (2001 – 2002)
-Vice President, Lending & Administration: COO type of position – head of branches, lending, human resources, compliance, and administration.
Rhinebeck Savings Bank, Rhinebeck, NY (1995 – 2001)
-Vice President & Credit Administration Officer – Head of credit processes.
-Vice President & Corporate Secretary - Head of compliance, corporate governance, and facilities.
-Assistant Vice President – Head of compliance.
-Compliance Officer - Head of compliance.
Rondout Savings Bank, Kingston, NY (1988 - 1995)
-Assistant Compliance Officer & Loan Administration Manager – Head of Servicing, Secondary Market Operations and assisted in compliance.
-Loan Administration Supervisor – Head of Servicing, also a platform officer (mortgages, loans, annuities, insurance, deposit accounts, etc.)
Empire of America, Wappingers, NY (1983 - 1988)
-Regional Mortgage Underwriter II – Responsible for entire eastern region.
-Processor I, II, III – Mortgage loan processor and branch liaison/trainer.
EDUCATIONAL EXPERIENCE
Institute of Certified Bankers – American Bankers Association
• Certified Regulatory Compliance Manager (CRCM) – April 2010
Marist College, Poughkeepsie, NY
• Masters of Business Administration (MBA) – Honors, 2007
• Bachelor of Science, Business Administration/Finance (1997) - Summa Cum Laude graduate, Alpha Chi and Alpha Sigma Lambda member
• 1997 recipient of the Wall Street Journal Student Achievement Award
Fairfield University, Fairfield CT
• National School of Banking, Graduated with Honors (2000)
National Compliance School, America’s Community Bankers
• Certified Compliance Officer
Association of Professional Mortgage Women (APMW)
• Graduate of Mortgage Lending Certification (GML)
Additional Training
• PMI Underwriting Programs
• Internal Credit Review Programs
• MBA, ACB & ABA Compliance Conferences
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