Ebony A. Whichard
Risk and Compliance Manager, Risk assessment
Charlotte, NC · (724) 555 0148 · name@example.com · linkedin.com/in/ebonyawhichard
Key Qualifications
EXPERIENCE
Twelve years in banking compliance and financial crime risk
RISK DOMAINS
Anti money laundering, consumer lending compliance, fair lending, third party risk
SPECIALTIES
Risk assessment, monitoring and testing, examination management, issue remediation
SYSTEMS
Verafin, Archer, Workiva, Tableau, ServiceNow
CREDENTIALS
Certified Anti Money Laundering Specialist; Certified Regulatory Compliance Manager
EDUCATION
Bachelor of Science in finance, University of North Carolina at Charlotte
Executive Summary
Risk and compliance manager with twelve years in community and regional banking, leading the anti money laundering and consumer compliance program for a bank with thirty eight branches. Manages five analysts, owns the compliance risk assessment, and presents examination readiness and issue status to the board risk committee each quarter.
Signature Achievements
- Closed all fourteen findings from the prior regulatory examination and finished the following examination with no repeat issues.
- Cut false positive alerts in transaction monitoring by forty three percent by tuning thresholds against twelve months of case outcomes.
- Rebuilt the compliance risk assessment across nine business lines, giving the board a single ranked view of exposure for the first time.
- Reduced suspicious activity report filing time from twenty six days to fourteen while raising quality review scores.
- Trained nine hundred employees on the code of conduct, the Bank Secrecy Act and escalation duties, reaching full completion in three years running.
- Built a third party risk review process covering one hundred and sixty vendors, with tiering that focuses attention on the twenty that matter most.
Professional Experience
Risk and Compliance Manager
Piedmont Crossing Bank, Charlotte, NC 2019 to present
Leads a team of five for a community bank with thirty eight branches and four billion dollars in assets.
- Owns the enterprise compliance risk assessment and refreshes it annually with business line owners.
- Directs monitoring and testing across deposit, lending and payment operations and reports results monthly.
- Manages regulatory examinations end to end, including document requests, interviews and response letters.
- Chairs the financial crime committee and escalates significant activity to the chief risk officer.
- Supervises five analysts, sets their annual testing plan and reviews every issue before it is logged.
Compliance Officer
Catawba Ridge Credit Union, Gastonia, NC 2015 to 2019
Sole compliance officer for a credit union serving ninety thousand members.
- Wrote and maintained lending and deposit policies to match consumer protection rules.
- Reviewed marketing and disclosures before release to members.
- Investigated member complaints and reported themes to the supervisory committee.
- Prepared the annual compliance report and the training calendar for staff and volunteers.
Compliance Analyst
Sunbelt Mortgage Partners, Columbia, SC 2013 to 2015
Consumer lending compliance for a regional mortgage originator.
- Tested loan files against disclosure timing and fee tolerance requirements.
- Tracked corrective actions with loan officers until each exception was cleared.
Licensure and Certification
Certified Anti Money Laundering Specialist
Certified Regulatory Compliance Manager, American Bankers Association
Member, Association of Certified Financial Crime Specialists
Education
Bachelor of Science in finance, University of North Carolina at Charlotte, Charlotte
Graduate certificate in bank compliance, Louisiana State University Graduate School of Banking
Core Skills
Compliance risk assessment · Transaction monitoring tuning · Examination management · Monitoring and testing · Issue remediation tracking · Third party risk review · Policy drafting · Board reporting · Team supervision · Employee training programs