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Quality Assurance Analyst Resume Example

Resume Score: 90%

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QUALITY ASSURANCE ANALYST
Accomplishments
  • Regulation B: Equal Credit Opportunity Act Regulation E: Electronic Fund Transfers Regulation P: Privacy of Consumer Financial Information Regulation V: Fair Credit Reporting Regulation Z: Truth in Lending Bank Secrecy Act Anti-Money Laundering Customer Identification Program Office of Foreign Asset Control.
Skills
closing, com, credit, clients, decision-making, document management, Executive Management, Financial, focus, Insurance, Microsoft Excel, office, outlook, Microsoft SharePoint, Enterprise, policies, processes, rapport, reporting, requirement, research, sales, SAS, underwriting
Professional Summary

Self-motivated Quality Assurance Analyst who possesses an extensive knowledge of consumer lending laws and regulations. Provide analytical insights to navigate complex situations, mitigate risk and create sound solutions.

Skills

Analytical professional with far reaching knowledge of Federal Consumer Lending compliance regulations.


Exercise sound judgment.


Good interpersonal communication skills that allow for a collaborative and effective relationship.

Keen ability to navigate a complex situation, identify weak points and offer a viable solution.


Ensure integrity of confidential information.

Work History
Quality Assurance AnalystSep 2013 - Current
State Farm BankEarth City, MO

• First line testing and monitoring of Consumer Lending Originations with a primary focus on Federal regulatory requirements and internal lending policies.
• In the past 12 months, 4.6% of audited files did not adhere to the U.S.A Patriot Act's Customer Identification Program. Reported results and provided a sound corrective action plan to product line managers. Plan implementation was successful at mitigated the risk.
• In the past 12 months, 3.5% of applicants would have received an inaccurate adverse action notice. Reported results and provided a sound corrective action plan to product line managers. Plan implementation successfully mitigated the risk to the Equal Credit Opportunity Act and the Fair Credit Reporting Act requirements.
• Proficient with Microsoft Excel's Visual Basic for Applications. Developed, maintain and utilize Excel workbooks to retain testing results, identify trends and as a reporting tool for stakeholders.
• Create SAS Enterprise Guide stored processes in accordance with judgmental sampling methodology.  Extracting pertinent files saves time and increases capacity for additional files to be audited.
• Identify process gaps that have the potential of causing regulatory deficiencies. Work closely with product line managers to validate gaps and offer solutions that are reasonable, cost-effective and within regulatory norms and practices.
• Maintain knowledge of regulatory requirements, to include, federal compliance requirements, as well as internal lending policies.
• Support the company in maintaining a work environment focused on quality, communication, collaboration, integration, and teamwork.
• Consistently deliver on-time, high-quality work.

Quality Assurance AnalystSep 2013 - Current
State Farm BankEarth City, MO

• First line testing and monitoring of Consumer Lending Originations with a primary focus on Federal regulatory requirements and internal lending policies.
• In the past 12 months, 4.6% of audited files did not adhere to the U.S.A Patriot Act's Customer Identification Program. Reported results and provided a sound corrective action plan to product line managers. Plan implementation was successful at mitigated the risk.
• In the past 12 months, 3.5% of applicants would have received an inaccurate adverse action notice. Reported results and provided a sound corrective action plan to product line managers. Plan implementation successfully mitigated the risk to the Equal Credit Opportunity Act and the Fair Credit Reporting Act requirements.
• Proficient with Microsoft Excel Visual Basic for Applications. Developed, maintain and utilize Excel workbooks to retain testing results, identify trends and as a reporting tool for stakeholders.
• Create SAS Enterprise Guide stored processes in accordance with judgmental sampling methodology. Extracting pertinent files saves time and increases capacity for additional files to be audited.
• Identify process gaps that have the potential of causing regulatory deficiencies. Work closely with product line managers to validate gaps and offer solutions that are reasonable, cost-effective and within regulatory norms and practices.
• Maintain knowledge of regulatory requirements, to include, federal compliance requirements, as well as internal lending policies.
• Support the company in maintaining a work environment focused on quality, communication, collaboration, integration, and teamwork.
• Consistently deliver on-time, high-quality work.

Compliance AnalystFeb 2009 - Sep 2013
State Farm BankEarth City, MO

• Developed and implemented a comprehensive risk-based compliance testing and monitoring program for the Consumer Lending division.The program identified high risk concerns due to gaps or omissions in procedures. Validated findings with Executive Management and product line managers. Collaborated with the product line to bring procedures in line with regulatory expectations.

• Created an executive-level reporting mechanism to communicate observations made during monthly testing cycles.
• Discovered that the loan closing system was not providing the correct disbursement numbers on the Itemization of Amount Financed disclosure. Validated the finding with Executive Management and product line managers. Created an acceptable mitigation plan acceptable to the Bank's regulator. The plan was successfully implemented.

• Identified a lack of controls in place to ensure the retention of pre-screen criteria. Worked with Executive Management and product line managers to create a repository that meets record retention requirements.

Compliance AnalystFeb 2009 - Sep 2013
State Farm BankEarth City, MO
  • Developed and implemented a comprehensive risk-based compliance testing and monitoring program for the Consumer.
  • Lending division.
  • Created an executive-level reporting mechanism to communicate observations made during monthly.
  • testing cycles.
  • Discovered that the loan closing system was not determining the correct figures on the Itemization of Amount Financed disclosure.
  • Worked with Executive Management and the product line to validate the deficiency and create an acceptable remediation plan.
  • The plan was successful and the bank now meets its regulatory requirement.
  • Identified that there was a lack of controls in place to ensure the retention of pre-screen criteria.
  • Worked with Executive Management and the product line to develop and implement a repository to maintain the criteria in accordance with the required duration.
  • Thomas Wiesler Wentzville, MO 63385 314-541-1826 tw4022017@outlook.com.
Consumer Loan Credit AnalystJan 2001 - Feb 2009
State Farm BankEarth City, MO
  • Underwrote Vehicle Lending credit applications in accordance with Federal laws and regulations, and internal lending.
  • policies.
  • Demonstrated flexible decision-making capabilities while adhering to regulatory requirements and lending.
  • policies.
  • Portfolio deficiencies were among the lowest in the department.
  • Provided appropriate interaction with Insurance Agents and agent office staff regarding credit decisions and setting the expectation that not all applications will be approved.
  • Assisted in the creation of documented processes and procedures the Consumer Lending Department used for the underwriting of consumer loan applications.
  • Identified fraudulent applicants through research of nonpublic personal identity information, shielding the bank from financial losses.
Consumer Loan Credit AnalystJan 2001 - Feb 2009
State Farm BankEarth City, MO
  • Underwrote Vehicle Lending credit applications in accordance with Federal regulations and internal lending policies.
  • Demonstrated flexible decision-making capabilities while adhering to regulatory requirements and lending policies.
  • Portfolio deficiencies were among the lowest in the department.
  • Provided appropriate interaction with Insurance Agents and agent office staff regarding credit decisions and setting the expectation that not all applications will be approved.
  • Identified fraudulent applicants through research of non public personal identity information, shielding the bank from financial losses.
Bank ManagerMay 2000 - Jan 2001
Midwest BankO'Fallon, MO
  • Built a rapport with the community, attracting business that increased accounts, deposits, and consumer loans.
  • Resolved problems or complaints, alleviating regulatory, financial and reputational harm.
  • Oversaw branch facility operations.
  • Managed a staff of 4, providing constant training and motivation to achieve sales and referral goals.
Bank ManagerMay 2000 - Jan 2001
Midwest BankO'Fallon, MO
  • Built a rapport with the community, attracting business that increased accounts, deposits, and consumer loans.
  • Resolved.
  • problems or complaints, alleviating regulatory, financial and reputational harm.
  • Oversaw branch facility operations.
  • Managed a staff of 4, providing constant training and motivation to achieve sales and referral goals.
Bank ManagerJan 1998 - May 2000
Citizens National BankSt. Peters, MO
  • Built a rapport with the community, attracting business that increased accounts, deposits, and consumer loans.
  • Resolved problems or complaints, alleviating regulatory, financial and reputational harm.
  • Oversaw branch facility operations.
  • Supervised and directed a staff of six, providing constant training and motivation to achieve sales and referral goals.
  • Registered Financial Services Representative (in addition to the above position) Provided clients with research and investment guidance tailored to their risk tolerance, increasing customer retention and revenue to the bank.
  • Held Series 7 and Series 63 licenses.
Bank ManagerJan 1998 - May 2000
Citizens National BankSt. Peters, MO
  • Built a rapport with the community, attracting business that increased accounts, deposits, and consumer loans.
  • Resolved problems or complaints, alleviating regulatory, financial and reputational harm.
  • Oversaw branch facility operations.
  • Supervised and directed a staff of six, providing constant training and motivation to achieve sales and referral goals.
  • Registered Financial Services Representative (in addition to the above position) Provided clients with research and investment guidance tailored to their risk tolerance, increasing customer retention and revenue to the bank.
  • Held Series 7 and Series 63 licenses.
Teller Supervisor, Assistant Bank Manager, Customer Services Representative, TellerJan 1990 - Jan 1998
Mercantile Bank / Mark Twain BankChesterfield, MO
  • Worked in various positions and with a myriad of responsibilities.
  • Resolved problems or complaints, alleviating regulatory, financial and reputational harm.
  • Managed the currency retention policy for the Teller staff, ATM's, and branch.
  • Managed a staff of 15, providing constant training and motivation to achieve sales and referral goals.
Teller Supervisor, Assistant Bank Manager, Customer Services Representative, TellerJan 1990 - Jan 1998
Mercantile Bank / Mark Twain BankChesterfield, MO
  • Worked in various positions and with a myriad of responsibilities.
  • Resolved problems or complaints, alleviating regulatory,.
  • financial and reputational harm.
  • Managed a staff of 15, providing constant training and motivation to achieve sales and referral goals.
Education
Bachelor of Science: Business ManagementWestern Governors UniversitySalt Lake City, UT

Anticipated graduation 2021.

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Resumes, and other information uploaded or provided by the user, are considered User Content governed by our Terms & Conditions. As such, it is not owned by us, and it is the user who retains ownership over such content.

Resume Overview

Companies Worked For:

  • State Farm Bank
  • Midwest Bank
  • Citizens National Bank
  • Mercantile Bank / Mark Twain Bank

School Attended

  • Western Governors University

Job Titles Held:

  • Quality Assurance Analyst
  • Compliance Analyst
  • Consumer Loan Credit Analyst
  • Bank Manager
  • Teller Supervisor, Assistant Bank Manager, Customer Services Representative, Teller

Degrees

  • Bachelor of Science : Business Management

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