David Senior
Irving
Summary
Dynamic professional with extensive experience at FDIC, specializing in claims analysis and financial reporting. Demonstrated success in strategic planning and risk assessment, enhancing operational efficiency through effective team leadership. Proficient in Salesforce management, ensuring compliance and improving claims processing accuracy. Strong communication skills contribute to a results-oriented approach.
Overview
46
46
years of professional experience
Work History
Claim Administration Analyst - Corporate
FDIC DIVISION OF RESOLUTIONS & RECEIVERSHIP
01.2024 - Current
- Managed teamwork to correspond with depositors and non-depositors regarding filing claims.
- Worked Deposit and non-deposit cases / claims in Salesforce.
- Analyzed and determines the most complex deposit insurance payment amount and, if necessary, coordinates additional information from depositors including collecting any deposit insurance overpayments.
- Coordinated the process of terminating highly complex failed bank benefit plans with Legal and management.
- Created strategic resolution plans for large or complex financial institutions where the resolution may have a significant national or international impact.
- Performed analyses, develops reports and drafts recommendations regarding appropriate actions and potential results for complicated insurance determinations and non-deposit claims determinations.
- Reviewed and evaluated claims determinations and reported concerning deposit and non-depositor claims processing, taking actions to assure data results are accurate and identifies system enhancements that will improve efficiencies.
- Researched and analyzed financial data and made recommendations on matters and transactions related to deposit insurance and non-depositor claims.
- Prepared written or oral presentations concerning complex financial transactions, theories and analyses, proposed solutions, actions and strategies.
- Interacts and communicates with claimants, third parties, and federal and state regulatory agencies.
- Reviewed and prepares termination clearance memoranda and any necessary correspondence to stockholders, depositors, non-depositors, vendors, and plan participants.
Project Manager - Deposit & Non-Deposit Claims
WARBIRD CONSULTING & MMC GROUP LP
03.2023 - 11.2023
- Managed teamwork to correspond with depositors and non-depositors regarding filing claims.
- Worked Deposit and non-deposit cases / claims in Salesforce.
- Analyzes and determines the deposit insurance payment amount and, if necessary, coordinates additional information from depositors including collecting any deposit insurance overpayments.
- Setup claims in FDIC CAS Non-Deposit Claims (NDC).
- Specialized experience is experience (1) leading the review and analysis of complex data and other documentation to calculate deposit insurance in accordance with applicable FDI Act rules and regulations; (2) review, analyze, and make recommendations for action to be taken on complex non-deposit claims; (3) analyzing data and developing reports using a variety of systems and software programs; and (4) overseeing the development, and implementation of strategies, policies, and procedures to ensure operational readiness for insurance determinations for large Insured Depository Institutions.
- Reviewed and evaluated claims determinations and reports concerning deposit and non-depositor claims processing, taking actions to assure data results are accurate.
- Reviewed the pending deposit liabilities reconciliation and advised of any irregularities.
- Maintains, analyzes and prepares a report of the deposit liability transactions.
- Reviewed and prepared termination clearance memoranda and any necessary correspondence to stockholders, depositors, non-depositors, vendors, and plan participants.
- (Contractor)
Financial Reviewer - USDA e-Connectivity Program
WASEYABEK FEDERAL SERVICES, LLC (WFS)
05.2020 - 02.2023
- Reviewed request for funding to install broad band services in rural areas.
Loan Processing Associate / Team Lead
BRILLIENT CORPORATION / SBA ODA OFFICE
Ft Worth
04.2020 - 05.2020
- Reviewed and approved Covid 19 EIDL loans for individuals and business.
- Reviewed documentation and requested documentation required to close loan.
- Ft Worth, TX
Sr. Loan Officer (Seasonal Assignment)
SBA OFFICE OF DISASTER RELIEF
Ft. Worth
10.2017 - 01.2019
- Processed loan applications from businesses located in presidential declared disaster areas.
- Responsible for contacting applicants, obtaining, and analyzing financial information and making recommendations on whether to approve loan.
- Ft. Worth, TX
Sr. Credit & Compliance Manager - North America
INGRAM MICRO
Buffalo
02.2015 - 05.2015
- Managed a portfolio of one hundred thirty-six accounts with a combined credit availability of $100 million dollars.
- Developed strong credit files, reporting, compliance monitoring and communications with internal partners.
- Position relocated to Buffalo, NY.
- Buffalo, NY
Director of Enterprise Risk Management
PORTER KEADLE MOORE, LLC
03.2013 - 05.2014
- Responsible for building the Regulatory Risk Management practice for the firm.
- Managed all business development with banks of all sizes, as well as the operational reviews.
- Services include Regulatory Compliance Reviews, BSA/AML, MSB Reviews, Compliance Training, OFAC Reviews, Credit Risk Consulting Services, Loan Review Services, Loan Document Reviews, Due Diligence Reviews, Policy & Procedures Services, and Third-Party Vendor Review.
Project Lead - Mortgage Claims Review
PROMONTORY FINANCIAL GROUP
09.2011 - 12.2012
- Based on success as an Analyst coupled with operational experience; appointed the Project Lead for the Mortgage Claims Review area.
- Responsible for standing up and equipping two offices - Pasadena, California and Dallas, Texas with a staff of 200+ mortgage analysts, six team leaders and two site managers.
- The annual budget for the team was $20 million-dollar.
- Assisted IT programmers in waterfall development of Case Tracker software used for mortgage review.
- Developed Claim Review Project Plan including the development of work streams and supporting user acceptance testing.
Mortgage Analyst - Mortgage Foreclosure Review
PROMONTORY FINANCIAL GROUP
08.2011 - 09.2011
- Hired as Mortgage Analyst to review mortgage files to determine financial harm per OCC consent order.
- Responsible for reviewing residential mortgage files to define disposition.
- Assigned special project to assist programmers in development of state specific laws for Case Tracker.
- Participated in focus group to define user requirements and appointed as Team Lead over user acceptance testing.
Receivership Assistant Contractor - Project Manager
QUANTUM PARTNERS
09.2009 - 11.2010
- Provided leadership and asset management oversight for FDIC / RAC Liquidation Team.
- Responsible for Leading team in the orderly liquidation of a billion-dollar financial institution.
- Managed three teams - Pro-forma, Asset Management, and Investigation - consisting of seventy-eight members.
- Prepared and implemented Strategic Resolution Plan (SRP).
- Led all team activities to ensure the successful resolution and highest return for all Bank assets.
- Assisted in the development and workout of commercial and residential mortgage loans.
- Performed analyses, develops reports and drafts recommendations regarding appropriate actions and potential results for complicated insurance determinations and non-deposit claims determinations.
- Identified system enhancements that will improve efficiency.
- Coordinated the process of terminating complex failed bank benefit plans, including assembling data for legal counsel.
Chief Lending Officer - Compliance Officer
BROOKHAVEN BANK
Atlanta
03.2007 - 09.2009
- Serve as part of the Management Team in forming a De Novo Bank.
- Developed operating procedures and investment, liquidity, sensitivity to market risk policies.
- Evaluated and advised management on core operating and platform systems implementation.
- Developed branch operating procedures, checklists, and policies.
- Led and directed day to day branch operations including daily balancing and teller operations.
- Performed monthly investment portfolio analysis / liquidity calculation and served on the ALCO.
- Coordinated examinations with FDIC and State Banking department and prepared written responses.
- ATLANTA, GA
Chief Credit Officer - Loan Review - Compliance Officer
DECATUR FIRST BANK
Decatur
03.2000 - 03.2007
- Chief Credit Officer responsible for managing loan operations, establishing credit philosophy, developing a risk management model for the Bank.
- Duties included performing periodic reviews of loans by officer, type, and amount.
- Conducted quarterly compliance reviews of bank departments and bank MSB clients.
- Performing quarterly portfolio analysis for Directors Loan Committee.
- Coordinated examinations with FDIC and outside auditors.
- Prepared written responses to audits and examinations.
- DECATUR, GA
Director of Loan Review - Compliance Officer
EMBRY NATIONAL BANK
Atlanta
10.1997 - 03.2000
- Managed the Loan Review and Credit Administration function and supervised the Loan Operations Department.
- Developed Loan Review model for the Bank.
- Implemented model and performed individual loan reviews.
- Coordinated OCC Reviews with Examiners.
- Developed credit underwriting guidelines and procedures.
- Revised Monthly Board reports to provide more detail to directors.
- Changed management reporting / underwriting guidelines which resulted in OCC rating '1'.
- Reduced OREO by 100% within one year without no additional loss of value to the bank.
- ATLANTA, GA
Commercial Lending Officer - Branch Administrator
FIDELITY NATIONAL BANK
Atlanta
06.1995 - 10.1997
- Hired to replace retiring Senior Lending Officer and manage North Fulton Region.
- Managed a $30MM loan portfolio.
- Led a team of six commercial lenders, analyzed, evaluated, and approved all loans.
- Assumed responsibilities of twenty-two branches, which included over two hundred individuals.
- ATLANTA, GA
Senior Lending Officer
NORTHSIDE BANK & TRUST
Roswell
11.1994 - 06.1995
- Hired to supervise eight lenders, three branches and oversee the bank's lending operations.
- Responsible for servicing a $26MM loan portfolio.
- Managed fifteen individuals in three branches, lending department and loan operations.
- Maintained employee moral during Bank's sale to SouthTrust Bank.
- Assisted regional bank in risk assessment of portfolio and consolidating operations.
- ROSWELL, GA
Senior Lending Officer
WEST GEORGIA BANK
Carrollton
12.1993 - 11.1994
- Hired as Senior Lending Officer responsible for supervising six lenders.
- Developed business plan to increase loan volume.
- Implemented management reporting systems.
- Assumed responsibility of four branches.
- Identified in management succession plan to assume executive role.
- CARROLLTON, GA
Chief Operations Officer
FIDELITY BANK - TEXAS
Waco
11.1988 - 12.1993
- Engaged by previous customer to develop and implement business model to resolve regulatory criticisms.
- Responsibilities included supervising the daily bank operations.
- Developing and strengthening the Risk Management function of the Bank.
- Revised and implemented new Board reports.
- Consolidated the operations of two-unit banks under holding company.
- WACO, TX
Vice President
VICTORIA BANCSHARES, INC.
Victoria
05.1986 - 11.1988
- Recruited by Holding Company to establish a special assets department and perform Safety & Soundness reviews on banks within the holding company.
- Developed Loan Review model for BHC.
- Performed loan reviews on the twenty-two-unit banks in holding company.
- Assisted banks in developing workout plans for troubled borrowers.
- VICTORIA, TX
Vice President
REPUBLIC BANK WACO
Waco
05.1980 - 05.1986
- Worked full time in the Proof-Transit department while attending college.
- After graduation, participated in the management training program which resulted in achieving fast track promotions from operations to lending.
- Operated proof machine performed daily balancing, balanced tellers' cash, researched lost items.
- Developed written collection policy.
- Converted Credit Card operation to Republic Bank system.
- Promoted to Commercial Lender and serviced $35MM portfolio.
- Restructured and reorganized the bank owned Small Business Investment Committee.
- WACO, TX
Education
Graduate School Banking -
Colorado Univ.
10.1990
BBA - Finance & Accounting
Baylor University
12.1981
Credit Training Program -
Republic Bank
Uniform Credit Analysis -
RMA
Commercial Lending School -
ABA
Certified Lender Business Banking (CLBB) -
ABA
Credit Risk Certified (CRC) -
Risk Management Association
Certified Community Bank Compliance Officer (CCBCO) -
Certified BSA/AML Professional (CBAP) -
Skills
- Claims analysis and financial reporting
- Salesforce management and compliance
- Strategic planning and risk assessment
Professional And Civic Activities
- Risk Mgmt. Association - Director Southern Chapter
- Member of CBA Regulatory Liaison Committee
- Member of GBA Credit Committee
- Leadership Cherokee
- Member of Woodstock Business Association
- Drugs Do not Work Marketing Committee - Carrollton, GA
- Carrollton Children's Community Center - Treasury
- Decatur Citizens Police Academy
Summary Of Experience
Proven Banker and Leader with more than 30 years of experience in risk management, loan review, loss verification, compliance, portfolio management, credit underwriting, consumer, commercial, construction and agricultural lending, collections, liquidations, loan processing and resolving troubled loans. Skill set includes accounting, finance, project management, bank operations, compliance, information systems, and team building. Experience includes the compliance audit of loan files, establishing loan processing departments, documentation software and consolidating the operations of a two-bank holding company, starting a De Novo Bank and liquidating a failed bank with one Billion in assets.
Timeline
Claim Administration Analyst - Corporate
FDIC DIVISION OF RESOLUTIONS & RECEIVERSHIP
01.2024 - Current
Project Manager - Deposit & Non-Deposit Claims
WARBIRD CONSULTING & MMC GROUP LP
03.2023 - 11.2023
Financial Reviewer - USDA e-Connectivity Program
WASEYABEK FEDERAL SERVICES, LLC (WFS)
05.2020 - 02.2023
Loan Processing Associate / Team Lead
BRILLIENT CORPORATION / SBA ODA OFFICE
04.2020 - 05.2020
Sr. Loan Officer (Seasonal Assignment)
SBA OFFICE OF DISASTER RELIEF
10.2017 - 01.2019
Sr. Credit & Compliance Manager - North America
INGRAM MICRO
02.2015 - 05.2015
Director of Enterprise Risk Management
PORTER KEADLE MOORE, LLC
03.2013 - 05.2014
Project Lead - Mortgage Claims Review
PROMONTORY FINANCIAL GROUP
09.2011 - 12.2012
Mortgage Analyst - Mortgage Foreclosure Review
PROMONTORY FINANCIAL GROUP
08.2011 - 09.2011
Receivership Assistant Contractor - Project Manager
QUANTUM PARTNERS
09.2009 - 11.2010
Chief Lending Officer - Compliance Officer
BROOKHAVEN BANK
03.2007 - 09.2009
Chief Credit Officer - Loan Review - Compliance Officer
DECATUR FIRST BANK
03.2000 - 03.2007
Director of Loan Review - Compliance Officer
EMBRY NATIONAL BANK
10.1997 - 03.2000
Commercial Lending Officer - Branch Administrator
FIDELITY NATIONAL BANK
06.1995 - 10.1997
Senior Lending Officer
NORTHSIDE BANK & TRUST
11.1994 - 06.1995
Senior Lending Officer
WEST GEORGIA BANK
12.1993 - 11.1994
Chief Operations Officer
FIDELITY BANK - TEXAS
11.1988 - 12.1993
Vice President
VICTORIA BANCSHARES, INC.
05.1986 - 11.1988
Vice President
REPUBLIC BANK WACO
05.1980 - 05.1986
Graduate School Banking -
Colorado Univ.
BBA - Finance & Accounting
Baylor University
Credit Training Program -
Republic Bank
Uniform Credit Analysis -
RMA
Commercial Lending School -
ABA
Certified Lender Business Banking (CLBB) -
ABA
Credit Risk Certified (CRC) -
Risk Management Association