Senior-level Finance Professional eager to contribute excellent academic credentials,

analytical expertise, risk management talents, and auditing proficiency toward supporting a dynamic employer in optimizing bottom-line performance.

 

 

         Broad-based financial experience spans accounting, risk management, financial analysis, regulatory compliance, internal controls, reconciliations, asset portfolio assessments, and internal audits.

         Outstanding analytical, documentation, reporting, interpersonal and communication skills.

         Highly skilled at assessing the effectiveness and adequacy of business practices and controls to identify improvement opportunities, uncover performance and control gaps, and determine corrective action.

         Structured, deadline-focused, methodical, and systematic professional who consistently adheres to established rules and procedures.

         Superior personnel leadership, consulting and project coordination skills.

         Foster, nurture, and maintain cohesive relationships at all levels throughout an organization.

 

 

Audit Management & Internal Controls:

         Proficiently conducted Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) audits.

         Exercised keen critical thinking abilities to audit insured depository institutions and reveal unsound practices or violations of laws and regulations.

         Conducted entrance and exit meetings with senior management and board of directors to discuss audit findings and navigate immediate corrective action.

         Supervise ongoing monitoring of lending activity, prepare and present quarterly reports of audit findings to Board of Directors, and recommend corrective action for improving deteriorating assets.

         Applied sharp attention to detail in completing compliance audits of bank s lending function.

         Spearheaded audit functions such as Privacy Information Security, Treasury, and Investment Services for client banks.

         Critically evaluated internal controls for reliability and integrity, devised and implemented  audit plans, programs and procedures, and assessed each for adequacy. 

         Participated in developing annual audit plan, scrutinized audit reports, and assessed sufficiency of recommended actions.

         Evaluated systems and processes for regulatory and corporate compliance.

         Meticulously prepared audit reports, recommended improvements, and delivered presentations.

 

Financial Analysis:

         Demonstrated extensive analytical abilities in preparing Comparative Statements of Financial Condition, Loans and Lease Financing Receivables, Recapitulation of Securities by Classes and Loan Analysis, capital calculations, liquidity component ratios and trends, and Interest Rate Risk Exposure Measurements report schedules.

         Diligently analyzed capital, earning trends, future prospects, liquidity, and sensitivity-to-market-risk.

         Performed cash flow analysis for account manager to determine client s ability to repay debt.

 

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Professional Experience continued

 

Asset Management & Risk Management:

         Formulated bank's loan review program including policy/procedure development and conducted ongoing assessments of asset portfolio and other credit exposure.

         Conducted independent assessments of asset portfolio to evaluate risk and control environment.

         Audited securities purchases and sales activities, reviewed dividend and charged-off policies and thoroughly assessed soundness of management/operating policies, procedures and practices.

         Scrutinized risk of institution s business plan, evaluated internal controls and procedures, conducted loan analysis, and classified deteriorating assets.

         Assessed securities purchases and sales activities to verify compliance of investment and accounting practices for debt and equity securities.

 

Positioned held:

 

Mid-Career Examiner, Federal Deposit Insurance Corporation, Atlanta Region, 2008 to 2010

Asset Review Compliance Manager, American Federal Savings Bank, Silver Springs, Maryland, 2006 to 2008

Senior Consultant, ADI Consulting, Inc. Alexandria, Virginia, 2005 to 2006

Bank Examiner, Federal Reserve Bank of Richmond-Baltimore Branch, 2003 to 2005

Thrift Institution Examiner, Office of Thrift Supervision - Chicago Region, 2001 to 2002

Assistant Examiner, Federal Deposit Insurance Corporation, Memphis Region, 1998 to 2001

 

 

Prior experience includes role as Accountant for Defense Finance and Accounting Service

 (DFAS Columbus), 1992 to 1998.

 

 

University of Maryland University College:

Master of Business Administration (in progress)

Master of Science, Financial Management

 

Franklin University:

Bachelor of Science, Finance C Minor in Accounting