Bianica Barnes
Memphis,TN
Summary
Highly skilled individual that is seeking a challenging position, that will utilize my education and over 15 years of customer service, sales, leadership and banking knowledge.
Self-confident professional with a special talent for handling customer needs. Provide leadership and supervision to a staff of professional trainers while maximizing the use of available resources. Provides exceptional customer service skills, eager, enthusiastic and ambitious. Always meeting and exceeding company expectations, goals and standards. Bank Operations knowledge, strong analytical skills, ability to organize and prioritize work, strong attention to details, ability to effectively review and analyze data, ability to work under pressure and meet deadlines.
Overview
28
28
years of professional experience
Work History
Senior Compliance Officer
First Horizon Bank
01.2024 - Current
- Management of HDMA Workflow for all applicable HMA Channels (Mortgage, Consumer and Commercial).
- Perform 2nd Reviews of monthly Risk Specialist HMDA verifications to identify any noted errors.
- Prepare monthly Field Accuracy Reports of errors identified during 2nd Review process.
- Perform follow up discussions with Risk Specialist on noted errors for the month.
- Preparation and update of policies, procedures, and source guides for all HMDA Channels.
- Provide required cross-training to Risk Specialist on different HMDA Channels.
- Management of the CRA Wiz database of all Year-to-Date HDMA Loan Application Registry to include, import, geocode, file reconciliations, review of monthly repurchases and ongoing monthly maintenance of files for submission of final HMDA Loan Application Registry.
- Review and preparation of monthly exception reports delivered to the applicable business unit for all HDMA Channels.
- Review and update of exception responses from business unit for all applicable HDMA Channels to include any additional follow-up responses.
- Provide Compliance Testing Director with a weekly Data Integrity Status report for all HMDA Channels.
- Timely communication to the Compliance Testing Director of any noted changes that might adversely impact the department and steps to help manage the impact.
Compliance Officer I
First Horizon Bank
01.2018 - 01.2024
- To ensure that HMDA reportable loans are correctly recorded on the HMDA-LAR, reported to the Federal Reserve within prescribed deadlines, while maintaining error rates within CFPB tolerances or better.
- Responsible for maintaining our good standing with government regulators and secondary market investors by ensuring compliance with all federal and state laws and regulations, investor guidelines, and company policies and procedure and to determine the accuracy and timeliness of the Bank’s prepared HMDA-LAR.
- Prepare quarterly fair lending analysis to monitor company’s compliance with fair lending regulations.
- Conduct, at least quarterly, the edit check process for the company’s required HMDA reporting and ensure the data is error free prior to the annual filing deadline of March.
- Advanced level of knowledge of the HMDA and CRA reporting requirements that are transferrable to all lending channels.
- I perform effective 2nd reviews on Risk Specialist’s assignments and effectively document and communicate with management regarding errors identified and provide updated responses to Risk Specialist response as needed per management guidance.
Compliance Officer I
First Tennessee Bank
01.2015 - 01.2018
- Compliance Officer I- responsible for identifying customers who may pose a higher risk to the bank and making the determination as to whether or not it is an acceptable risk in order to retain the customer.
- Performs various duties associated with BSA Compliance specifically related to the identification of money laundering and terrorist financing risks.
- Daily duties include: identification of risk using risk scoring processes and collection of information to analyze the risk associated with a specific customer.
- Follows the documented management escalation procedures when risks identified may pose issues/concerns for the bank.
- Performs BSA Compliance research as necessary to support business line management.
Lead
First Tennessee Bank
01.2008 - 01.2015
- Manage 4 employees, Balance and Maintain General Ledgers, processed bank of first deposit, return fraudulent items, and also provide customer service to internal and external customers.
- Assist management with developing training needs with a proficiency in use of internal systems which includes HOGAN, BRAVO, XPTR/XNET and Image Retrieval.
Senior Teller
Bank of America
01.2005 - 01.2007
- Processed transactions accurately, speed and efficiently in accordance with established policies and procedures.
- Identify customer needs and refer financial products and services to consumer and small business customers.
Sr. Customer Service Rep.
Bank of America
01.2004 - 01.2005
- Processing claims, solving customer problems and concerns regarding debit card claims and other consumer products.
- The incumbent receives calls from call centers, banking centers and other business partners, filing new claims when needed, make additions to or follow-up on existing claims or appeal for review of denials.
Console Attendant
First Tennessee Bank of Memphis
01.2003 - 01.2004
- Using my banking knowledge to help customers deal with banking issues and inquiries.
- Used computer based skills to look up customers’ accounts and answering customer questions which excellent customer service.
Bank Teller
Memphis Area Teacher Credit Union
01.2002 - 01.2003
- Used my cash handling and great customer services skills to handle all banking transactions, utilized cross selling tactics to meet and exceed everyday goals set by the company and handled all transactions with top customer service.
Sales Associate
Goldsmith
01.1999 - 01.2000
- Competitive selling of clothing and shoe apparel to customers, provided quality customer service when handling transactions, adapted to pressure situations by multi-tasking when needed.
Sales Associate
Sears Roebuck
01.1998 - 01.1999
- Utilized my sales knowledge to help assist customer with quality customer service, answering all customer inquiries regarding their accounts with the company and opened new accounts as required and expected by the company.
Education
High School Diploma -
Overton High
Associated degree - Accounting
University of Phoenix
Bachelor of Science - Business Organizational Leadership
Bethel University
Skills
- Regulatory expertise
- Legal research
- Customer focus
- Documentation review
Accomplishments
- Consistently handled customer needs with a professional attitude.
- Top Sales Associates at former employer and current employer, established network of clients by using innovative sale approaches.
- Won Employee of the Year from First Tennessee Bank four years in a row.
Timeline
Senior Compliance Officer
First Horizon Bank
01.2024 - Current
Compliance Officer I
First Horizon Bank
01.2018 - 01.2024
Compliance Officer I
First Tennessee Bank
01.2015 - 01.2018
Lead
First Tennessee Bank
01.2008 - 01.2015
Senior Teller
Bank of America
01.2005 - 01.2007
Sr. Customer Service Rep.
Bank of America
01.2004 - 01.2005
Console Attendant
First Tennessee Bank of Memphis
01.2003 - 01.2004
Bank Teller
Memphis Area Teacher Credit Union
01.2002 - 01.2003
Sales Associate
Goldsmith
01.1999 - 01.2000
Sales Associate
Sears Roebuck
01.1998 - 01.1999
Associated degree - Accounting
University of Phoenix
High School Diploma -
Overton High
Bachelor of Science - Business Organizational Leadership
Bethel University