Annabelle Espinoza
Forney,TX
Summary
Diligent Compliance leader with over 20 years of experience with strong background in ensuring regulatory compliance and mitigating risks. Successfully implemented compliance programs and policies that align with industry standards. Demonstrated capability in risk assessment and policy development. Professional with strong experience in compliance, prepared to excel in this role. Proven ability to navigate regulatory frameworks and drive effective compliance strategies. Strong focus on team collaboration and achieving results. Adept at risk assessment, policy development, and regulatory reporting. Known for reliability and adaptability in dynamic environments.
Overview
20
20
years of professional experience
Work History
Senior Director of Marketing Compliance, Monitoring, and Testing
Bestow Life Insurance
03.2020 - 05.2024
- Lead Training, Third Party, Marketing Compliance and Risk Management Programs
- Collaborated, negotiated, analyzed and implemented systems technology for compliance, risk management, and training.
- Reviewed, updated, and assessed policies, procedures, and process maps in collaboration with organizational partners
- Tested and regularly assessed organizational programs for compliance
- Provided real-time and periodic - value-added feedback to 200 employees, peers, and senior leaders to improve performance and accomplish objectives
- Regularly prepared and presented programs, assessments, issues, and solutions to senior leaders and regulators with minimal advice and coaching
- Identified, tracked, and lead individual, team, and team activities to desired OKR, business, and regulatory objectives
- Helped establish Third Party Risk Management program and technology to assist in audits
- Implemented Ethics hotline and training
- Cross-trained existing employees to maximize team agility and performance.
- Developed and maintained relationships with customers and suppliers through account development.
- Achieved departmental goals by developing and executing strategic plans and performance metrics.
- Streamlined workflows by identifying bottlenecks in existing systems and implementing appropriate solutions.
- Ensured regulatory compliance with industry standards, minimizing potential risks associated with non-compliance penalties or sanctions.
- Maintained up-to-date knowledge on industry regulations and compliance requirements, reducing potential risks associated with non-compliance issues.
Marketing Business Risk and Control Advisor Senior
USAA
02.2004 - 03.2020
- Advised senior management on the status of organization issues, controls, and processes within Enterprise Strategy and Marketing and served as the point of contact for reporting
- Identified critical areas to monitor concerning Compliance and escalated these issues and findings to appropriate stakeholders
- Responsible for facilitating over 96 regulatory compliance internal and external exams in the past three years
- Subject Management Expert (SME) for industry regulations such as Department of Labor, GDPR, UDAAP, Fair Lending, and regulatory data sources required for Marketing
- Built a network of relationships and served as the point of contact for USAA Compliance, which includes multiple Compliance lines of business points of contact and compliance testers
- Served as the primary resource for Issue Management and facilitated closing 1st line, 2nd line, 3rd line of defense issues the organization by required due dates
- Actively developing and implementing Annual Compliance Plan Standards provided USAA Compliance team
- SME for four years for Marketing System of record questions and requirements and facilitated the resolution of Marketing submission concerns
- Developed Marketing Process, Controls, and testing of Marketing System of Record deficiencies and Fair Lending
- Monitored those deficiencies and resolve concerns related to errors
- Responsible for facilitating appropriate Compliance and Operational training, which includes FACTA, HIPPA, and Department of Insurance requirements
- Initiated and assisted in developing Marketing training for Fair and Responsible Banking
- Monitor and ensure USAA Enterprise Strategy and Marketing implementation with new and changing regulatory requirements reported from Compliance and established procedures for handling Regulatory Change Management for business partners
Life Compliance Advisor I
USAA
- Monitored and assured compliance with regulatory requirements reported by states and established and maintained good relationships with regulatory agencies and business partners
- Identified outstanding compliance issues and facilitated proper business and procedural requirements implementation
- Demonstrated knowledge of how Compliance linked to other critical areas of the Enterprise and identified new business ways
- Provided compliance input on business action plans, projects, and operational requests
- Gathered information, reviewed life contracts, analyzed data trends, identified root causes, and provided business and project teams recommendations
- Served as the subject matter expert for marketing materials to ensure documents, projects, processes, or product initiatives comply with regulatory and legal requirements and enterprise policy
- Provided industry knowledge, skills, and expertise for work assignments regarding filing Marketing materials with regulatory agencies
- Served as a mentor to less experienced team members regarding escalated regulatory issues regarding Marketing and the Marketing Compliance process
- Utilized strong leadership skills in interacting with Legal Counsel, Marketing Compliance, and Marketing
- Assisted in building new processes and relationships that facilitated a more efficient and productive work environment
- Conducted reviews of laws and regulations for business impact
- Completed accurate risk assessments, developed recommendations, and coordinated with appropriate counsel to develop action plans
Marketing Compliance Analyst
USAA
- Gathered information, analyzed data trends, and provided Marketing Compliance review over multiple Life/Health/Annuity marketing pieces in 2013
- Heavily participated in developing and implementing Marketing Compliance solutions for USAA Health Solutions
- Helped to build processes and relationships with our business partners to facilitate a productive team environment to encourage and generate new ideas while remaining compliant with regulators
- Actively collaborates closely with business partners and legal counsel regarding applying regulatory requirements in enterprise-wide communications to ensure we follow state and federal guidelines for all USAA Life Insurances companies
- Continuously resolved issues and identified relevant issues for escalation
- Offered recommendations and made project-related decisions within the scope of work assignments
- Performed tasks outside of my area of responsibility, such as coordination of reviews with multiple internal and external clients
- Participated in multiple changed Enterprise initiatives in 2012 and 2013 to determine the impact on marketing communications and guided to ensure compliance and drive for results
- Identified several outstanding compliance issues within Life and Health marketing pieces, notified authors of non-compliance, and provided appropriate verbiage to eliminate risk to the organization
- Provided guidance and problem resolution for three major enterprise-wide Life projects, which were successfully implemented in 2013
CEO Member Relations Advisor
USAA
- Effectively communicate both written and verbally to customers or regulating authorities regarding resolving complex issues for multiple lines of businesses
- Analyzed and identified the root cause of complaints and collaborated with business partners to develop action plans for improvement
- Coordinated research and provided the appropriate responses on behalf of the Enterprise to resolve escalated member and regulatory issues for P&C, Bank, Life, and IMCO
- Appointed by Director and served as the point of contact for assisting the leadership regarding CEO support of Video Telephony (VT)
- Managed VT Schedule for employees
- Provided insight regarding CoSA-specific details and requirements for CEO Member Relations
- Offered feedback for new system solutions given our department's vision and end state
- Selected to Attend Annual Members Meeting on behalf of CEO Members Relations to assist executives with handling member questions and inquiries
Education
BA - Print Journalism, and Public Relations
Troy University
Troy, AL08.2002
Skills
- Regulatory expertise
- Legal Research
- Documentation Review
- Policy analysis
- Compliance Monitoring
- Internal Controls
- Corporate Governance
- Reporting skills
- Regulatory understanding
- Regulatory knowledge
- Compliance understanding
- Internal Auditing
- Teamwork and Collaboration
- Excellent Communication
Timeline
Senior Director of Marketing Compliance, Monitoring, and Testing
Bestow Life Insurance
03.2020 - 05.2024
Marketing Business Risk and Control Advisor Senior
USAA
02.2004 - 03.2020
Life Compliance Advisor I
USAA
Marketing Compliance Analyst
USAA
CEO Member Relations Advisor
USAA
BA - Print Journalism, and Public Relations
Troy University
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