Debra DiFlavio
Buffalo,NY
Overview
28
28
years of professional experience
Work History
AVP, Banking Services Operations Associate V - Dealer Services
M&T Bank
Buffalo, NY
01.2015 - Current
- Reviewed and processed loans exceeding $1,000,000 weekly, ensuring compliance with financial regulations.
- Completed approximately 1,000 loan reviews monthly, maintaining accuracy and efficiency.
- Directed staff training and assignments to enhance communication of management directives.
- Identified opportunities for improvement and contributed to project rollouts.
- Researched and resolved departmental GL reconciliation outages promptly.
- Investigated complex, non-routine issues requiring independent judgment for resolution.
- Reviewed daily transactions for accuracy and completeness, ensuring high-quality control.
- Maintained databases and spreadsheets for comprehensive departmental reporting.
Lending Operations Specialist I - Customer Due Diligence (CDD)
M&T Bank
Buffalo, NY
01.2013 - 01.2015
- Aggregated customer case data from bank systems and the Internet to preemptively resolve KYC cases, reducing need for further EDD investigation or customer outreach.
- Conducted compliance-related research across multiple business and product lines (Residential, Commercial, Business Banking) to gather customer information from bank systems and the Internet.
- Contributed to special projects and cross-training on multiple business lines to adapt to changing CDD/EDD/WISD workflow demands.
Operational Risk/Compliance Analyst I
M&T Bank
Buffalo, NY
01.2008 - 01.2013
- Conducted monthly and quarterly quality control audits for investor and internal servicing in retail servicing and customer asset management, ensuring compliance with established standards
- Supported Senior Compliance Analysts in testing and training for operational risk and compliance initiatives in consumer, residential, and commercial departments.
- Reviewed monthly recordings of collection agents' calls to verify compliance with servicing requirements and enhance service quality
- Oversaw maintenance of audit procedures, documentation of results, and summary reporting metrics to support departmental compliance objectives
- Built and maintained good working relationships with internal business partners and auditors (Pricewaterhouse Coopers)
Group Leader III - Indirect Dealer Services
M&T Bank
01.1998 - 01.2008
- Trained and directed staff daily, ensuring alignment with management and departmental directives
- Maintained highest level of knowledge with New Loans and Dealer Services products, procedures, functions, and policies
- Supported contract validation and dealer funding processes to ensure compliance and accuracy
- Reviewed monetary and non-monetary transactions of Staff Specialists for accuracy and compliance
- Facilitated documentation of internal processes and determined methods of procedural and work process changes
- Participated in project support of new products, geographic expansion, and changes in Audit and Federal Regulations
- Researched and resolved complex issues independently.
- Maintained database/spreadsheets and completed daily, weekly, and monthly departmental reporting
Education
Associate of Applied Science - Applied Science, Office Technology
Erie Community College
Orchard ParkSkills
- Quality assurance and control
- Compliance auditing
- Project leadership
- Time management and process optimization
- Documentation and procedure writing
- Relationship management
Timeline
AVP, Banking Services Operations Associate V - Dealer Services
M&T Bank
01.2015 - Current
Lending Operations Specialist I - Customer Due Diligence (CDD)
M&T Bank
01.2013 - 01.2015
Operational Risk/Compliance Analyst I
M&T Bank
01.2008 - 01.2013
Group Leader III - Indirect Dealer Services
M&T Bank
01.1998 - 01.2008
Associate of Applied Science - Applied Science, Office Technology
Erie Community College