Christy Trauernicht
Oak Creek,WI
Summary
To secure a challenging and diversified position in an organization that encourages professional growth. Obtain further knowledge in compliance. Share my knowledge and skills to build and maintain a strong compliance program.
Overview
26
26
years of professional experience
1
1
Certification
Work History
AVP- Lead HMDA Data Integrity Analysis
US Bank
07.2013 - Current
- Manage and maintain loan operating system open defects and scrub log to ensure the reporting accuracy of all data for HMDA reporting
- Ensure corrections of loan operating system defects and scrubs completed by the business line in a timely manner and address any critical timing with management and issue CIT if necessary
- Review and provide guidance on CAT reviews, as necessary
- Create, review, and monitor testing schedule for all reviews completed by HDI team
- Perform loan data file review testing and analysis as assigned collecting and producing written documentation for communicating results
- Review and reference business process diagrams, data flow maps, resource documents, maintain testing procedures, test to data source documentation, identifying any potential gaps in business process or documentation when possible
- Assist in the development of routine data integrity and testing processes to support compliance policies and procedures
- Utilize strong collaboration skills to work with all business line coordinators and their management to identify root causes of errors found and create action plans to correct and/or monitor any data integrity issues
- Research and manage multiple projects while meeting all deadlines
- Provide general HMDA and Fair Lending support and guidance to the mortgage lending business line questions
- Independently research related documentation or regulatory websites (CFPB, OCC, ABA) to give clarification with responses provided
- Independent research and initiative to understand and gather information necessary to be able to conduct new testing
- Participate in a variety of compliance projects and initiatives regarding data collection, data mapping, data testing, and documentation
- Support audits, examinations, and periodic reviews to assess levels of risk and regulatory compliance
- Oversee the monthly, quarterly, bi-annual, and annual Data Testing Process for HMDA Reportable Loans (HMDA and FL data) from acquiring and distribution of sample records to confirming exceptions during year-end HMDA Validation Pre-Submission exercise
- Oversee the targeted testing ensuring all established tests are on tract and properly documented in schedule and Teams planner
- Supervise the day-to-day workload of other data testers
- Assist with implementation needs as pertains to the final HMDA rules
- Training of inexperienced staff on current testing processes, new and modifications to existing HMDA data
- Discuss, support, and provide additional staff training needs with manager to include cross training when time permits
- ABA Certificates in Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), Servicemembers Civil Relief (SCRA), Telephone Consumer Protection Action (TCPA)
Electronic Banking Manager
Bank Mutual
Milwaukee, WI
01.2008 - 06.2013
- Performs the full range of managerial duties, including complete adherence to the Bank’s EEO/AA policies
- Project Manager for Bank Operations projects involving Business Online Banking, Treasury Management, Check card/Bankcard processing, ACH Fraud monitoring and EFT
- Extensive knowledge of ACH rules and regulations; ensure the bank is up to date on any changes in regulations
- Review, report and investigate BSA/AML on any suspicious activity for ACH and debit card transactions
- Train bank personal and Treasury Management customers on ACH Origination and rejects
- Work closely with Fiserv for Cleartouch platform with any changes, releases for business online banking, card management and Fiserv Commercial Account Analysis
- Work with internal audit and regulators as needed
- Create, review and or update procedures that pertain to Electronic Banking functions within the department as well as bank office procedures: Treasury Management setups, return deposited items, foreign check, ACH rejects, ATM adjustment, daily review of remote deposit capture, ACH origination and varies other duties
- Review and monitor Elan credit card reports for the branch sales to customers
- Work with Elan to make updates or corrections with customer credit card applications
- Assist in any questions Elan might have for underwriting purposes
- Providing guidance and cross training to department and bank office personnel
- Coordinates and directs functions pertaining to the Automated Clearing House (ACH) system, chargeback of returned deposited items, and BankCard activities
- Coordinates with other areas of the Bank for the installation of new ACH arrangements and resolves problems involving non-routine items
- Manage the implementation of Treasury Management products and services, ACH, Remote Deposit Capture, Positive Pay and ACH Block and Filter
- Manage the banks Commercial Account Analysis billing, updates and processing via Fiserv Commercial Account Analysis product and Weiland Open Solutions
- Experience in business proposals, reviewing agreements and negotiating fees
- Experience in managing a staff of up to eight direct reports and 10-15 indirect reports
- Manages the processing of Check 21 branch balancing and image cash letter submission
- Manages the processing and collection of foreign checks
- Reviews transfer arrangements with the legal department, customers, business banking and outside organizations to ensure protection of the parties and the Bank
- Coordinates the daily functions necessary to provide quality service regarding all Automated Teller Machine (ATM) activity and debit card matters
- Seeks continuing education in all aspects of ACH, CheckCard and BankCard rules and regulations including the origination of ACH transactions and the development and implementation of new products and services
- Reviews and renders decisions on non-routine electronic banking-related matters
- Serves in a back-up capacity to Electronic Banking Representatives and the Bank Operations Manager for electronic banking functions as needed
- Develops, formulates, and conducts quality control programs for electronic banking including service standards and statistics
- Review, open and manage wealth management customers for Bank Mutual Direct high yield online money market accounts
- Administrator for PulsePix2, Fiserv EFT, Andera, IBOSS and Banklink applications for Bank Mutual
- Create new and update current procedures as new functions or duties added to the department
- Process annual employee reviews
- Scanning of all department work into Nautilus a reporting system
- Review all necessary reports in nautilus system that pertains to Electronic Banking.
Branch Operations Manager
Countrywide Full Spectrum Lending
Milwaukee, WI
04.2004 - 09.2007
- Sharing responsibility for Branch performance and Operations—including oversight of the day-to-day activities of the Loan Specialists, Processing and Underwriting
- Underwriting and overseeing the closing activities for loans in the pipeline
- Performing other general-office functions (as assigned)
- Pre-qualifying potential loan-applicants
- Review loan documentation to ensure compliance with HMDA, Fair Lending, ECOA and Regulation B rules
- Providing guidance, training, and assistance to lower-level branch personnel
- Assisting the Branch Manager with all facets of branch operation
- Providing performance feedback to the Branch Manager and, as appropriate, recommending course of action
- Acting as Branch Manager in the absence of the Manager
- Reviewing all incoming documents, underwriting loans, and reviewing necessary pre-closing items and conditions
- Informing all concerned parties of final-loan approval
- Reviewing closing documents and shipping files to Central Office
- Taking loan applications from customers and processing in accordance with Countrywide guidelines and Truth-in-Lending rules and regulations
- Calling-out approvals (as directed by Branch Manager) and sending-out approval letters and weekly progress-reports
- Reviewing files (on a weekly basis) using the Tickler system
- Maintaining a to-do list for branch
- Overseeing the correction of deficiencies and providing guidance to Loan Specialists, as necessary, to ensure that corrections made.
Loan Quality Specialist
CIB Marine Bancshares, Inc.
Franklin, WI
12.2002 - 04.2004
- Audit review of all commercial and retail loan documentation to ensure accuracy
- Identify any errors in documentation and have corrections made to loan documents
- Verify all collateral documentation UCC Filings, and other pertinent documents received after closing
- Review Information Folder periodically throughout day for document requests
- Copy loose filing from loan officers and place in loan file.
Loan Services Specialist I
M&I Support Services
Brookfield, WI
02.2002 - 12.2002
- Processes mortgage and vehicle loan payments as well as payoffs for all states except for Wisconsin
- Mail checks made for over payments on mortgage loans to customer
- Assist co-workers as needed
- Cover other duties for vacations/absences as needed.
Medical Records Tech
St. Mary’s Medical Clinic
Milwaukee, WI
01.2000 - 02.2002
- Sorts and file patient information into patient medical chart
- Answer phone calls, pull patient charts for appointments and send to doctor's office.
Loan Processor
TCF Mortgage Corp.
Milwaukee, WI
01.1999 - 05.2000
- Processor Residential and VA loan applications
- Type commitment letters for approved loans
- Calculate Annul Percentage Rate’s and fax out new rates to loan officers
- Reviewing all incoming documents, processing loans, and reviewing necessary pre-closing items and conditions
- Order all pertinent loan documentation, VOEs, flood certifications and insurance
- Calculate cash flow for borrower’s loan
- Audit loan documents before finalized, review all HMDA and key Fair Lending fields for accuracy.
Education
Master of Business Administration -
University of Phoenix, Online
01.2013
Bachelor of Science in Business Administration and Business Management -
University of Phoenix, Brookfield, Wisconsin
01.2007
Skills
- HMDA Compliance
- Fair Lending Compliance
- Regulatory Review
- Mortgage Operations
- Credit Analysis
- Loan Origination
- BSA/AML
- Commercial and Small business banking
- Business and Retail Online Banking
- Business Proposals
- Treasury Management
- Commercial Account Analysis
- Deposit Operations
- Project Management
- ACH Rules and Regulations
- Check 21 balancing and processing
- Procedural creation/review
- Debit card Fraud Prevention
- ATM balancing and maintenance
- Foreign Item Processing
- Time management
- Diligence
- Analytical
- Driven
- Accurate
- Customer Service (Direct & Indirect)
- Typing
- 10-key calculator
- Multi-line phone system
- Cash Handling Experience (Teller and Personal Banker)
- Initiative-taker
- Microsoft Teams
- Webex
- Microsoft Word
- Windows
- Microsoft Excel
- Doc Velocity
- Microsoft Office
- NetOxygen
- Microsoft Outlook
- LDRS
- Microsoft PowerPoint
- Pulse Pix2
- Lotus Notes
- AS/400
- Edge
- Windex
- VLF
- Signature
- Fiserv Cleartouch Teller
- Fedline Advantage
- Fiserv EFT
- IBOSS/Banklink
- Andera
- Weiland Open Solutions
- Nautilus
- ACAPS
- CH Warehouse
- OMNI
- CLUES
Certification
ABA Unfair, Deceptive, or Abusive Acts (UDAAP)
ABA Service members Civil Relief Act (SCRA)
ABA Telephone Consumer Protection Act (TCPA)
Timeline
AVP- Lead HMDA Data Integrity Analysis
US Bank
07.2013 - Current
Electronic Banking Manager
Bank Mutual
01.2008 - 06.2013
Branch Operations Manager
Countrywide Full Spectrum Lending
04.2004 - 09.2007
Loan Quality Specialist
CIB Marine Bancshares, Inc.
12.2002 - 04.2004
Loan Services Specialist I
M&I Support Services
02.2002 - 12.2002
Medical Records Tech
St. Mary’s Medical Clinic
01.2000 - 02.2002
Loan Processor
TCF Mortgage Corp.
01.1999 - 05.2000
Master of Business Administration -
University of Phoenix, Online
Bachelor of Science in Business Administration and Business Management -
University of Phoenix, Brookfield, Wisconsin