David Cornell Doyal
Dunwoody,GA
Summary
Dynamic compliance leader with extensive experience at Fieldpoint Private Bank & Trust, excelling in regulatory compliance and risk assessment. Proven track record in policy development and fintech oversight, enhancing operational integrity. Adept at transactional testing and fair lending analysis, leveraging strong analytical skills and strategic thinking to drive compliance excellence.
Overview
35
35
years of professional experience
Work History
Senior Vice-President, Director of Regulatory Compliance
Fieldpoint Private Bank & Trust
Atlanta, GA
01.2022 - Current
- Manage a regulatory compliance program for the bank.
- Serve as CRA and Reg O Officer.
- Manage and perform transactional testing, analyses and reviews of business units, including commercial, small business and consumer.
- Perform Deposit transactional testing, policies, procedures for Reg E, Reg CC, Reg DD, FDIC Insurance disclosures; test rate sheets to core system for accuracy, statement review including APY accuracy, fees accuracy and subsequent disclosure requirements.
- Perform Fair Lending analysis, Reg P Privacy reviews, Reg E Electronic Funds Transfer Act reviews, Flood Regulation reviews of consumer and commercial lending products including, but not limited to Reg Z Truth in Lending reviews, RESPA Reg X reviews, Reg B reviews, Reg U reviews, Reg O including mortgage and credit card servicing.
- Perform CRA Analysis and monitor metrics for small business lending, Community Development lending, investments and service hours.
- Familiar with 1071 rules.
- Perform transactional testing and verify data prior to annual reporting for Reg C HMDA.
- Review and update policies and procedures for lending regulations, deposit regulations, CRA & UDAAP.
- Advise management of new and amended regulations: FDCPA, FCRA, EFTA, UDAAP, SCRA, TILA, Reg X, TCPA, NACHA, PCI DSS.
- Assist operational and support areas in achieving compliance through testing of automated systems.
- Support project testing for technological upgrades and changes to ensure compliance with regulatory requirements.
- Recommend corrective action for areas of compliance weaknesses.
- Report results of testing to management committees.
- Assess training needs and serve as Subject Matter Expert (SME) for training department.
- Heavily involved and solid hands on experience with CFPB rules and regulations.
- Strong familiarity with OCC 9, limited hands on experience.
Senior Vice-President, Compliance Officer
Atlantic Capital Bank
Atlanta, GA
01.2016 - 01.2022
- Oversaw compliance program for 10 fintech partners, ensuring adherence to regulations.
- Managed regulatory compliance program for bank, focusing on risk mitigation and operational integrity.
- Served as CRA Officer and Regulation O Officer, providing strategic guidance on compliance matters.
- Conducted oversight reviews of FinTech program, enhancing operational procedures and regulatory alignment.
- Performed transactional testing and comprehensive analyses across business units, including commercial and consumer lending.
- Executed Fair Lending analysis and conducted reviews for various regulations, including Reg Z and RESPA.
- Monitored CRA metrics for small business lending and community development investments to assess performance.
- Advised management on new regulations, tracking Dodd-Frank Act implementation milestones.
Vice-President, Compliance Manager
Yadkin Bank
Charlotte, NC
01.2007 - 01.2016
- Develop and manage regulatory compliance programs for the Bank Holding Company and its bank subsidiaries.
- Manage a staff of 3 Compliance Analysts.
- Develop policies and procedures for loan and deposit products.
- Oversee compliance with mergers and acquisitions including mapping data between systems.
- Manage and perform transactional testing, analyses and reviews of business units, including commercial, business banking, and leasing as well as mortgage and consumer products.
- Perform Fair Lending analysis, Reg P Privacy reviews, Reg E Electronic Funds Transfer Act reviews, Flood Regulation reviews, Reg Z Truth in Lending reviews, RESPA Reg X reviews, Reg B reviews, Reg U reviews, Reg O reviews and Consumer and Commercial real estate and non-real estate secured reviews, including mortgage and credit card servicing.
- Perform transactional testing and verify data prior to annual reporting for Reg C HMDA and Reg BB CRA.
- Review and update policies and procedures.
- Manage Complaint resolution program.
- Advise management of new and amended regulations. Track Dodd-Frank Act implementation dates.
- Assist operational and support areas in achieving compliance through testing of automated systems.
- Verify data integrity between loan systems interfaces to flood insurance vendor.
- Verify data integrity between loan and deposit systems to Call Report.
- Support project testing for technological upgrades and changes to ensure compliance with regulatory requirements.
- Manage regulatory compliance program for CRA performance and reporting.
- Test data integrity for HMDA and CRA reporting to FFIEC.
- Recommend corrective action for areas of compliance weaknesses.
- Report results of testing to management, Audit and Board Committees.
- Assess training needs and serve as Subject Matter Expert (SME) for training department.
- Member of North Carolina Banker’s Association Compliance Peer Group.
- Manage FDIC regulatory examinations of Compliance and CRA.
- Heavily involved and solid hands-on experience with CFPB rules and regulations.
- Strong familiarity with OCC 9, limited hands-on experience.
Vice-President, Commercial Lending Compliance Liaison Officer
SunTrust Banks, Inc.
Atlanta, GA
01.1991 - 01.2007
- Served as a regional liaison between the bank holding company and regional bank offices in Tennessee, Alabama, Georgia, Florida, North Carolina, South Carolina, Virginia, Maryland and the District of Columbia.
- Manage compliance programs of commercial loan operations centers in Atlanta, Orlando, and Richmond to ensure compliance with regulations specific to consumer and commercial loans.
- Provide consumer compliance and CRA training to bank and operations centers and regional banking offices. Serve as a Subject Matter Expert (SME) for SunTrust University.
- Perform transactional testing, analyses and reviews of small business banking, commercial banking, private wealth management and private banking units for adherence to consumer protection rules, Flood Regulations, Bank Secrecy Act and Anti-Money Laundering policies and procedures.
- Verify data accuracy between commercial loan system and Call Report.
- Participate in and support technology projects impacting regulatory compliance including AFS loan systems and ACAPS application systems.
- Report results of audits to management.
- Assist Corporate Compliance Department with managing Federal Reserve regulatory examinations.
Education
Bachelor of Arts - Economics
University of Tennessee
Knoxville, TennesseeSkills
- Regulatory compliance and risk assessment
- Policy development and compliance strategy
- Transactional testing and fair lending analysis
- Fintech regulatory oversight
Training
- Connecticut Elder Financial Abuse Training
- South Carolina Bankers Association Compliance Update
- ABA Regulatory Compliance Conference
- ABA National Compliance Schools, University of Oklahoma & Atlanta, GA
- ABA Webinars
- FIS Global Webinars
- AIB Courses Principles of Banking, Law & Banking, Financial Statement Analysis
- RMA Course Commercial Loan Documentation
- North Carolina Bankers Association Annual Compliance Training
- North Carolina Bankers Association Compliance Seminars and Updates
- Metavante (Kirchman) Regulatory Services Webinars
- Metavante (Kirchman) Annual Compliance Conference
- FDIC Teleconference Series on Regulatory Issues
- Tennessee Bankers Association Compliance Training
References
References available upon request.
Timeline
Senior Vice-President, Director of Regulatory Compliance
Fieldpoint Private Bank & Trust
01.2022 - Current
Senior Vice-President, Compliance Officer
Atlantic Capital Bank
01.2016 - 01.2022
Vice-President, Compliance Manager
Yadkin Bank
01.2007 - 01.2016
Vice-President, Commercial Lending Compliance Liaison Officer
SunTrust Banks, Inc.
01.1991 - 01.2007
Bachelor of Arts - Economics
University of Tennessee