Robert Z.

Background

About Robert Z.

Leading with a collaborative approach my focus is on providing options to management to mitigate risk to the organization. Project management team participation to scale online products nationally or statewide include: credit cards, deposit accounts, consumer loans and real estate mortgages. Contributed to the timely resolution of enforcement actions related to: UDAAP/Marketing; Compliance Management System monitoring program; and HMDA data accuracy. Five years experience with the U.S. Treasury, Office of Comptroller of the Currency (OCC).Contributions at organizations Scaling-up Operations:At Auto Club Trust, FSB, part of the insurance holding company, I developed and implemented a scalable Compliance Management Program serving 13 states. Key strategic initiatives supported include the implementation of consumer direct online credit cards, auto loans, home equity lines of credit, mortgages and deposit products. High volume Marketing reviews (300+ annually) were accomplished by working closely with Marketing stakeholders on clarifying timelines, deliverables and change management processes as third party vendors were relied on for direct mail campaigns and customer contact. Working within the holding company framework in the holding company Compliance department I served as the Bank Compliance Officer, BSA Officer, CRA Officer and was a member of the Credit Committee. At Cole Taylor Bank (acquired by Fifth Third Bank), a $5 billion Illinois state chartered bank, that opened a wholesale residential mortgage division, I worked with a team of former Citibank executives in Ann Arbor, Michigan. Reporting to the Legal Team in Chicago but working through a matrixed framework, I developed and implemented a scalable Compliance Management Program that included Fair Lending monitoring in major markets across the United States with a team managers & analysts. I also prepared the division for the first Federal Reserve Bank on site examination in Ann Arbor, MI and HMDA file reviews in Chicago, IL. The platform for Fair Lending analytics was CRA Wiz. The size of the team reporting to me was seven (7) including managers and analysts.