Brieanna Lachance
Leominster,MA
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.
I have been in the banking industry for over 24 years and I have worked in various roles, from front-line member service to back office loan administration. I have a strong background in loan servicing, processing, quality control and compliance. Prior to working in a financial institution, I worked in various retail stores in customer facing roles.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Logistics Coordinator
Workers Credit Union
03.2024 - Current
- Processes all member transactions efficiently and accurately, including deposits, withdrawals, loan payments and transactions for other WCU products and services
- Ensures branch compliance and operational efficiency by following established operating and security procedures
- Ensures all branch employees are aware of, and operate within, compliance with Bank Secrecy Act (BSA) reporting and recordkeeping requirements
- Completes the annual security meeting as well as the monthly and quarterly branch security audits
- Consolidates and pre-audits the quarterly Branch Internal Control Library (BICL) for the branch and reviews pre-audit BICL findings with Managers
- Reviews branch error logs and reviews accounts in Smart folders and notifies frontline staff within their area of error corrections required
- Completes the weekly balancing of the ATM and ITM within my respective branch and saves the Balancing Sheets to the appropriate files
- Orders cash and prepares cash shipments as needed
- Completes the Monthly Reconciliation and sends the completed form to the appropriate parties
- Provides training to new and existing employees and serves as the Branch Operations Coach.
- Supported the onboarding process for new members, explaining benefits and assisting with paperwork completion.
- Contributed to branch sales goals by effectively cross-selling credit union products and services.
Compliance & Risk Analyst
Workers Credit Union
02.2023 - 03.2024
- Reviewed internal processes for identifying, measuring, monitoring and reporting risks
- Evaluated existing policies and procedures related to compliance with industry regulations
- Collaborated with various departments within the organization to ensure effective implementation of risk mitigation strategies
- Tracked emerging trends in the industry related to potential risks
- Compiled and submitted regular reports to update senior management on operations and progress
- Coordinated communications between teams to ensure accurate information was shared in a timely manner
- Maintained the schedule of compliance related course assignments to meet deadlines
- Maintained accurate records of all audit activity
- Participated in meetings with internal auditors as needed
- Assisted in developing new internal auditing protocols and procedures
- Investigated consumer complaints and worked with internal departments to resolve issues.
- Monitored adherence to industry regulations, ensuring timely reporting of any discrepancies or violations.
- Prepared documentation and records for upcoming audits and inspections.
Consumer Loan Quality Control Coordinator
Workers Credit Union
09.2018 - 02.2023
- Conducted internal audits to ensure compliance with established policies and procedures
- Compiled daily, weekly, monthly, quarterly, or annual financial reports for management review
- Collaborated with other departments to ensure accuracy of all financial documents
- Verified that the Consumer Loans had been posted correctly to the Core system
- Processed Debt Protection and GAP Cancellation requests
- Assisted with gathering loan files for both internal and external audits
- Assisted with balancing several General Ledgers
- Created and updated procedures for my role as needed
- Verified the daily New Loan Account Report and Error Report
- Helped coworkers with other tasks as needed.
- Reduced errors in loan documentation through rigorous attention to detail, resulting in fewer discrepancies during audits.
- Identified trends in common errors or inaccuracies, enabling targeted training initiatives to improve overall staff performance.
Call Center Loan Processor
Workers Credit Union
12.2015 - 09.2018
- Reviewed credit reports and financial information to evaluate creditworthiness of applicants
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants
- Communicated with members via telephone or email to obtain additional documentation required for loan processing
- Explained the various types of loans available and advised on the best product suited for members' needs
- Submitted loan applications to the underwriting department for review and approval process
- Maintained accurate records in the computer database system during the loan origination process
- Prepared loan documents including promissory notes and truth-in-lending statements
- Assisted in creating and updating templates with DocuSign
- Assisted borrowers with questions regarding their loans after closing
- Conducted quality control reviews on closed files ensuring compliance with state and federal regulations.
- Collaborated with compliance department to stay updated on changing regulations, ensuring all processes remained compliant.
- Monitored pipelines to track and log status of loans.
Loan Servicing Representative
Workers Credit Union
10.2014 - 12.2015
- Performed daily loan servicing activities such as processing payments, tracking escrow accounts, and preparing monthly statements
- Analyzed and resolved customer inquiries regarding loan terms, payment options, and account balances
- Researched and responded to member complaints in a timely manner
- Quoted loan payoffs for both Consumer and Mortgage loans
- Processed loan payoffs, loan payments and payment adjustments
- Processed Credit Bureau dispute research and processing
- Assisted with Debt Protection claim submission and posting
- Processed Debt Protection removal requests for Consumer Loans
- Assisted with Real Estate Tax payments and processing
- Assisted with force placed insurance, Letters of Guarantee for GAP claims and researched vehicle title related issues as a backup function.
- Maintained compliance with banking regulations, adhering to established policies and procedures during all deposit operations tasks.
- Processed account maintenance requests and checked for alignment with credit union policy.
Teller II / Financial Service Rep II
Workers Credit Union
07.2000 - 10.2014
- Received and processed member transactions, including deposits, withdrawals, loan payments and other banking services
- Balanced cash drawers on a daily basis
- Provided exceptional member service while accurately processing routine transactions
- Assisted members in opening new accounts and completing required paperwork
- Processed wire transfers for members, both domestically and internationally
- Cross-sold additional products and services when applicable, to meet member needs
- Identified opportunities to refer members to other areas in the Credit Union for additional services
- Identified fraudulent activity or suspicious behavior immediately and reported it to management
- Ordered checks, placed stop payment orders and conducted additional special services for members
- Used a strong knowledge of products and services to confidently educate members about features, benefits and pricing.
- Educated customers on use of banking website and mobile apps.
- Established rapport with new members to increase satisfaction and loyalty.
Education
Small Business Management - Certificate Program
Mount Wachusett Community College
Gardner, MA05.2004
High School Diploma -
Athol High School
Athol, MA06.1997
Skills
- Customer Service
- Teamwork and Collaboration
- Friendly, Positive Attitude
- Problem-Solving
- Attention to Detail
- Flexible and Adaptable
- Time Management
- Dependable and Responsible
- Multitasking Abilities
- Excellent Communication
- Organizational Skills
- Active Listening
Accomplishments
- Consistently receive positive feedback from coworkers and members.
- Completed a Supervisory Competencies Program offered through WCU in 2014.
Certification
- NAFCU Certified Compliance Officer (NCCO) Certification
Additional Information
- I take great pride in whatever role I have and I am always willing to take on new tasks as needed.
- I can just as easily work alone or in a group setting.
- I enjoy learning new things and I embrace change very well.
- I am very easy to get along with and I take my job seriously, while at the same time, understanding how important it is to keep things fun whenever possible.
Activities
- I volunteer with the United Way and/or the Habitat for Humanity at least once every year.
- I am currently teaching myself Spanish through Rosetta Stone and books.
- I attend networking events any opportunity that I get.
- I enjoy taking pictures of nature, making crafts and exploring my creative side when I am not at work.
Timeline
Logistics Coordinator
Workers Credit Union
03.2024 - Current
Compliance & Risk Analyst
Workers Credit Union
02.2023 - 03.2024
Consumer Loan Quality Control Coordinator
Workers Credit Union
09.2018 - 02.2023
Call Center Loan Processor
Workers Credit Union
12.2015 - 09.2018
Loan Servicing Representative
Workers Credit Union
10.2014 - 12.2015
Teller II / Financial Service Rep II
Workers Credit Union
07.2000 - 10.2014
Small Business Management - Certificate Program
Mount Wachusett Community College
High School Diploma -
Athol High School
- NAFCU Certified Compliance Officer (NCCO) Certification
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