Summary
Overview
Work History
Education
Skills
Timeline
Generic

Andrew Gness

Richmond,VA

Summary

  • Seasoned operational risk and regulatory professional with over 15 years' experience in the industry.
  • Broad knowledge base of industry practices, with specialized expertise in HMDA/CRA Compliance, Variance Analysis, Cash Flow, and Cost Benefit Analysis.
  • Participated in training the CFPB in ODP and Lending Principles, in addition to performing a broad range of reviews including Risk Assessments, RESPA Reviews, HMDA and CRA Scrubs, and Website Reviews.
  • Experience handling day to day operations in an ad hoc and structured environment and transitioning to production.

Overview

20
20
years of professional experience

Work History

Principal Risk Specialist

Capital One
Richmond, VA
04.2019 - Current
  • Provided Risk Consulting to designated business areas to provide advice and guidance.
  • Develops and leverages key relationships with stakeholders that enable collaboration across the enterprise.
  • Identified and tracked events and issues to mitigate risk.
  • Coordinated with applicable business areas to define/ implement remediation activities.
  • Supported Monitoring and Reporting of Risk Activities.
  • Led change control efforts at the process level to ensure impacts are appropriately assessed, documented and implemented.
  • Analyzed risk management and incident reporting strategies and data to create educational programs.
  • Analyzed areas of potential risk to assets, earning capacity and organizational success.
  • Reviewed risk management database reports for compliance and fraud prevention.

Regulatory Compliance Manager

Capco
Zirconia, NC
01.2012 - 01.2018
  • Responsible for developing, supporting and executing Risk Assessments by identifying major inherent risks within a Client's business line, testing the controls in place to mitigate the risk, and creating a compliance program to assist the client's regulatory needs.
  • Created and implemented strategies as to maintain project deliverables and meet target deadlines.
  • Created and input Regulatory White Papers onto the SharePoint platform.
  • Trained CFPB Examiners on Overdraft Protection Programs and Lending Regulatory Compliance Principles.
  • Negotiated Statement of Works such as a Time and Material SOW resulting in the completion of specified deliverables for the Client.
  • Enforced regulations by reviewing federal and state laws to confirm compliance.
  • Completed all assignments on time and with no infractions during examinations.
  • Collaborated with leadership to devise strategies to improve processes and risk controls as well as implement new systems and best practice guidelines.

Senior Due Diligence Analyst

SunTrust Bank, Inc
Richmond, VA
01.2011 - 01.2012
  • Auditing closed/pre-foreclosure mortgage loans for potential errors and or missing documentation.
  • Performing as a liaison between the attorneys, appraisers, insurance and title agents and upper management.
  • Ingesting exceptions into the DD3/4 Tracking system.
  • Verification of financial documents to include the analysis of Cash Flow Models and P&L Statements.
  • Ingesting exception requests from investors into Tracking system and delegating workflow to the Due Diligence Team.
  • Conducted extensive research and participated in local networking events to help determine programs that would be effective.
  • Monitored regulatory change required by new and revised laws and regulations, communicating complex protocols and determining operational impacts.

Home Service Specialist

Bank of America
Richmond, VA
01.2010 - 01.2011
  • Verified, compiled, and processed high volume pre-qualified FHA/VA and Conventional loans using Edge software.
  • Generated and reviewed P&L statements, cash flow models, credit reports, appraisals, and employment verifications.
  • Ordered title, appraisals, insurance with third parties and updated credit if needed.
  • Verified and validated supporting income, asset, and liability documentation per BOA guidelines.
  • Performed as a liaison between the borrowers, realtors, attorneys, appraisers, insurance agents and upper management.
  • Generated and maintained a weekly loans/prospect pipeline report for upper management.
  • Recommended loans not meeting BOA standard guidelines to be denied or approved.
  • Demonstrated leadership by making improvements to work processes and helping to train others.

Lead CRA HMDA Specialist

SunTrust Bank, Inc
Richmond, VA
01.2005 - 01.2009
Gness
  • Supervised the analysis of loans involving the Community Reinvestment Act (CRA) and Home Mortgage Disclosure Act (HMDA) for accuracy, quality, and completeness.
  • Assessed loan eligibility under CRA or HMDA guidelines and made appropriate edits using the Compass and Chas application systems.
  • Developed Excel spreadsheets to track loans; proactively monitored loans to maintain their integrity and prevent them from going into exceptions.
  • Facilitated the development of the CRA/HMDA Training Manual for SunTrust Mortgage employees.
  • Checked electronic data capturing systems for integrity and compliance.
  • Evaluated proof of eligibility and consent for participants.
  • Executed successful compliance monitoring and risk assessment programs.

Education

Bachelor of Science - American Government

University Of Maryland University College
College Park, MD

MBA - Business Administration

University Of Maryland University College
College Park, MD

Skills

  • Microsoft Office applications, particularly Word, Excel, and Power Point skills along with various proprietary mortgage and banking processing systems
  • High level of comfort and proficiency in G-Suite including Drive, Docs, Sheets, Slides and Gmail
  • Pivot tables
  • Risk mitigation
  • Fraud assessment

Timeline

Principal Risk Specialist

Capital One
04.2019 - Current

Regulatory Compliance Manager

Capco
01.2012 - 01.2018

Senior Due Diligence Analyst

SunTrust Bank, Inc
01.2011 - 01.2012

Home Service Specialist

Bank of America
01.2010 - 01.2011

Lead CRA HMDA Specialist

SunTrust Bank, Inc
01.2005 - 01.2009

Bachelor of Science - American Government

University Of Maryland University College

MBA - Business Administration

University Of Maryland University College

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