Zachary Garrison
Summary
Professional compliance analyst with strong background in regulatory frameworks and risk management. Skilled in policy development, audit processes, and ensuring adherence to legal standards. Focused on team collaboration and achieving results, adapting seamlessly to changing requirements. Renowned for analytical skills, integrity, and reliability in delivering impactful solutions.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Senior Analyst - Public Offering Review, Corporate Financing Department
FINRA
08.2022 - Current
- Led independent reviews and investigations of low-to-moderate complexity, identifying unusual market activity and assessing potential violations of FINRA regulations
- Applied advance research and analytical skills to interpret market data, detect compliance risks, and recommend corrective actions
- Produced comprehensive and well-documented reports, presenting findings and recommendations to management with clarity and precision
- Communicated and coordinated effectively with member firms, colleagues, and management to ensure compliance and timely case resolution
Underwriter (Financial Analyst II)
T-Mobile
11.2021 - 07.2022
- Recognized as one of the top performing analyst 3 months in a row completing an average 20 credit requests a day.
- Managed authority up to $75,000 for diverse business solution products.
- Negotiated terms and coverage to align policies with company directives.
- Tracked changing policies and procedures to keep underwriting activities compliant with updated requirements.
- Partnered with relationship managers and third-party providers to complete due diligence on customers.
- Employed sound underwriting judgment to maximize business revenue and minimize risk.
- Evaluated credit reports to determine credit patterns, current liabilities and outstanding judgments.
Commercial Credit Analyst I & II
FirstCapital Bank of Texas
11.2019 - 11.2021
- Promoted to Credit Analyst II after 1 year, increasing loan amount responsibility from under $1 million to loans under $10 million.
- Leveraged understanding of lending to help structure financing and negotiate terms based on accurate risk considerations.
- Used financial software, cash flow analyses and credit systems tools to complete highly accurate work.
- Translated financial information into clear direction to aid staff in making balanced business decisions.
- Performed in-depth investigations of detected discrepancies in provided credit histories to discern error or fraud.
- Reviewed HMDA documentation for compliance with internal and federal recordkeeping requirements.
- Completed loan applications with the full credit analyses and summaries of loan requests and submitted to loan review committees for approval.
Staff Accountant
D. Williams & Co., P.C.
11.2018 - 11.2019
- Gathered, organized, analyzed and reported on extensive financial data for budgeting and business decision-making.
- Used correct documentation and approvals process to prepare accurate and GAAP-compliant journal entries.
- Evaluated physical and digital financial information to identify and resolve discrepancies.
- Assisted in preparation of annual tax returns with on-time submissions to state and federal governments.
- Conducted audits and communicated findings in formal audit reports.
- Maintained technical knowledge by attending educational workshops and professional development training.
- Determined organizational compliance with internal objectives and external standards through routine audits.
F&I Intern
Pollard Ford
08.2017 - 12.2017
- Engaged customers and built connections to drive long-term sales.
- Maintained knowledge of current sales and promotions, return and exchange policies and security practices.
- Greeted customers and proactively offered assistance and information on vehicles of interest.
- Asked qualifying questions to understand buyer requirements and interest and match to various vehicle options.
- Explained warranties, model upgrades and dealer services to create upsell opportunities.
DOJ - JSD Compliance Intern
United States Marshals Service
05.2016 - 08.2016
- Assisted in developing risk management strategies based on assessment of judicial security products and operational risks for the U.S. Department of Justice Judicial Security Division.
- Worked on special projects and developed strategies for important initiatives.
- Processed the day-to-day documentation between departments, consistently maintaining effective communication and eliminating bottlenecks.
Education
Master of Science - Finance
Texas Tech University
Lubbock, TX01.2019
BBA - Finance
Lubbock Christian University
Lubbock, TX01.2017
Skills
- Risk analysis
- Data research and validation
- Finance
- Excel proficiency
- Compliance analysis
- Regulatory compliance
Certification
- Microsoft Excel 2016 Introductory
- Microsoft Office Specialist Excel 2016
Awards
Deans List
Timeline
Senior Analyst - Public Offering Review, Corporate Financing Department
FINRA
08.2022 - Current
Underwriter (Financial Analyst II)
T-Mobile
11.2021 - 07.2022
Commercial Credit Analyst I & II
FirstCapital Bank of Texas
11.2019 - 11.2021
Staff Accountant
D. Williams & Co., P.C.
11.2018 - 11.2019
F&I Intern
Pollard Ford
08.2017 - 12.2017
DOJ - JSD Compliance Intern
United States Marshals Service
05.2016 - 08.2016
Master of Science - Finance
Texas Tech University
BBA - Finance
Lubbock Christian University
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