DEBRA BRAATEN

Work History

Target Corporation, Retail Services, Resource

Minneapolis, MN

11.2014 - 04.2029

Responsible for monitoring and maintaining regulatory compliance of existing account management within the Target Guest Card, Target Credit (MC) Card and Target Debit Card portfolios while working in collaboration with business process groups
Responsible for staff of exempt team members
Manage special projects as assigned in addition to my account management workload which includes the following: Remediation of quality monitoring findings and ensuring business plans are updated and in process on an annual basis, researching and launching Target Debit monitoring, Dynamic testing program and sample size adjustment
Work in a collaborative environment with business partners for systems solutions to regulatory processes
Maintain monthly reporting and business regulatory finding recaps to hold business accountable
Human

U.S. Bank

04.2019 - Current

Extensive knowledge of applicable laws, regulations, financial services, and regulatory trends with a focus on FCRA and ECOA
Proficient knowledge of Risk/Compliance/Audit competencies
Conduct comprehensive assessments of testing procedures to ensure robust and continuous monitoring capabilities
Effective communication of written policies and procedures across the organization
Deliver comprehensive and meticulously crafted final testing reports to key steak holders while ensuring seamless communication and compliance with regulatory agencies

01.2010 - 01.2014

Lead and support enterprise-wide initiatives through cross-functional teams and partnership with varying levels of leadership across the organization
Managed and executed several high-profile projects such as elimination unnecessary background screening and drug testing, resulting in a savings of over $2M, and mitigated the risk of EEOC review
Vendor Management – Managed multiple large background screening vendors by holding them accountable to their contractual obligations by establishing a monthly scorecard for review
Led vendor selection, RFPs, and contract negotiations for U.S
And Canada
US Head Quarters-Secured handled background screening for all Key Management Groups
Strategic partner with Employee Relations, Labor Relations, Government Affairs and outside legal counsel to interpret HR policy and external trends.

Assets Protection

01.2006 - 01.2010

Partner Civil Demand & Restitution
Managed Civil and Criminal Recovery Team
Vendor management: oversaw Bennett Law who supported Target’s recovery efforts to recover, and documents funds owed to Target due to shoplifting legislation as well as following up on promissory notes from documented internal theft
Drove Civil Demand and Restitution process including streamlining process changes and reducing workload related to Civil Demand and Restitution processes resulting in a 40% collection improvement
Executed onsite audits of collection vendor
Proposed and executed a project to decommission collection data base at end of life
Managed vendor RFI and RFP’s

Financial Retail Services, Dispute

01.2001 - 01.2006

Disputes
Responsible for providing daily leadership to 12-16 Fraud/Dispute team members through coaching, conducting performance management, and fostering an inclusive culture
Document process changes based upon the ever-changing needs of the department that my team needed to address such as dispute workload or fraud
Conducted training and onboarding for our newly defined team in Tempe Arizona to aid in addressing Credit Disputes
Partnered with key groups to address FCBA, FCRA and ECOA issues and questions that resulted from third party audits
Top Best Team survey results received 3 years in a row