Chris Papakonstantinou
Huntingdon Valley,PA
Summary
Detail-oriented Risk and Compliance Manager offering years of expertise in risk and compliance management Advanced knowledge of regulatory compliance with proven track record of partnering across risk and business lines to identify vulnerabilities and create corrective actions. Collaborative and team-oriented with excellent communication and interpersonal skills to foster strategic partnerships and promote company reputation.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Risk Compliance Manager
U.S Bank
09.2016 - Current
- Consult with and advise Business Lines, First Line of Defense Risk and other stakeholders on regulatory Compliance and Fair and Responsible Banking (FaRB) regulatory risks and controls through established review processes and procedures.
- Perform ongoing oversight and review of internal (e.g. procedures and training) and external materials (e.g. marketing, scripts, web pages) prior to their production. Primary support specialist for Marketing,
- Digital, 24 Hour Banking , U.S. Bank Community Development Corporation with additional experience in having supported Mortgage and Servicing in a similar capacity.
- Perform risk assessments of business changes for new or product and service changes to identify regulatory compliance and fair and responsible banking risks, recommending controls and overseeing both pre and post-implementation risk mitigation for the change.
- Conduct reviews of corporate marketing materials for majority of Bank products and services including consumer direct, lending and deposit products, credit cards, wealth and business banking to assess compliance with regulatory compliance and fair and responsible banking requirements.
- Review business line incentive compensation plans for potential risks that can arise from the design and operation of the plans, and ensure risk is sufficiently mitigated prior to implementation.
- Review corporate credit policies for potential risk and work with Credit Risk Management to make necessary changes.
- Advise, guide and partner with Business Lines as well as first and second line of defense personnel in the development of regulatory compliance and fair and responsible banking controls.
- Identify, draft and present issues that require corrective action along with providing guidance and oversight of resolution.
- Participate in regulatory and internal audit exams as needed.
- Stay current on business line products, services and processes and maintain appropriate knowledge of compliance and FaRB laws and regulations.
Commercial Loan Specialist
TD Bank
12.2010 - 09.2016
- Responsible for the Management and administration of a commercial portfolio of loans from origination through to settlement in performing pre-closing due diligence activities to funding in compliance with bank policies, procedures and regulatory requirements.
- Analyze moderate to complex commercial loan requests to validate appropriate lending authorities, covenants, terms and conditions are in accordance with credit policy guidelines, procedures and regulatory requirements.
- Ensure existing critical exceptions are addressed prior to or at loan closing and any waivers or deviations from policy are adequately documented.
- Perform entity certification, flood determination, property tax search, title policy, appraisal, environmental, UCC's and communicate deviations from credit authorization and internal credit policy as applicable.
- Analyze and validate search data to ensure accurate, reasonable results and communicate issues and solutions to the relationship manager when applicable.
- Develop and maintain a strong, interactive and effective partnership with Relationship Managers and associates. Interact with Attorneys, Credit Analysts, Title Companies and clients as necessary.
- Deliver accurate loan documentation using the bank's internal documentation software ensuring results are consistent with the credit approval document, internal credit and policy standards, regulatory guidelines and Loan Operations standards and procedures.
- Responsible for the collection, review and validation of regulatory and policy required documentation post closing.
- Experience with Commercial Real Estate Loans, Letters of Credit, ACH, SWAPS, Bonds, Middle Market, Healthcare and Construction loans for large relationships involving new loans, renewals, modifications and extensions of credit.
Education
Bachelor of Science - Marketing, Business Management
Drexel University
Philadelphia, PA06.2000
Skills
Regulatory Compliance
- TCPA
- CAN SPAM
- FCRA
- Fair Lending
- Equal Credit Opportunity Act (ECOA)
- Fair Housing Act
- Unfair, Deceptive and Abusive Acts and Practices (UDAAP)
- Commercial Lending
- Commercial Loan Closing
- Mortgage Lending
- Mortgage Loan Closing
Certification
Analyzing Financial Statements
Timeline
Risk Compliance Manager
U.S Bank
09.2016 - Current
Commercial Loan Specialist
TD Bank
12.2010 - 09.2016
Bachelor of Science - Marketing, Business Management
Drexel University
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