Emilia Olabisi Smith
Maple Grove,MN
Summary
Dynamic individual with over 20years of hands-on experience in Banking and Finance and talent for navigating challenges. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals.
Overview
25
25
years of professional experience
Work History
Owner- Freelance Consulting & Coaching
EDW Consulting, LLC
01.2002 - Current
- Organizational strategy, governance, leadership development, and community-based program support.
- Lead community programs, partnerships, advocacy, and career/financial coaching
- Coaching career development, communication, financial literacy, and professional branding
- Interpreting and patient advocacy for underserved populations
Sr. Enterprise Risk Specialist (SAVP)
Wells Fargo, NA
01.2022 - 12.2025
- Provided risk management oversight, performance trends, quantify risk impacts, and provide insights that informed business decisions across unsecured Consumer and Small Business lending.
- Partnered with cross-functional leaders to assess performance against plan, identify gaps, and recommend actions that improved credit quality and operational outcomes.
- Led oversight of manual and data-driven testing processes, ensuring accuracy of key performance indicators and strengthening controls that supported financial planning and forecasting.
- Managed a critical enterprise database application, ensuring data integrity, compliance, and timely updates that supported reporting and decision-making.
- Supported independent reviews, audits, and regulatory exams by synthesizing findings, preparing concise summaries, and influencing stakeholders to implement remediation strategies.
Data Management Consultant
Wells Fargo, NA
08.2020 - 01.2022
- Oversaw data provisioning for enterprise data lake initiatives, ensuring accurate, secure, and timely data availability for analytics, reporting, and business planning.
- Collaborated with technology, risk, and business partners to align data governance processes with operational and financial objectives.
- Provided recurring updates on data provisioning performance, highlighting risks, opportunities, and impacts to business insights and planning.
Enterprise Data Governance- Data Governance Manager (VP)-Operations
US Bank NA
03.2018 - 08.2020
- Managed operational budgets for contract labor, monitored spend against forecast, and recommended adjustments to maintain financial discipline.
- Led a cross-functional team responsible for data flow operations, ensuring high-quality deliverables that supported enterprise reporting and analytics.
- Strengthened data governance processes by implementing QA/QC controls, improving data accuracy used in financial and operational decision-making.
- Provided credible challenge and validation of data issues, influencing business partners to resolve gaps that affected reporting and performance metrics.
Senior Auditor - Internal Audit
Wells Fargo, NA
09.2010 - 03.2018
- Evaluated financial, operational, and risk controls across Credit and Corporate Risk divisions, providing insights that improved process efficiency and reduced operational risk.
- Analyzed business performance data to assess control effectiveness and identify trends impacting financial outcomes.
- Delivered clear, concise summaries of audit results to senior leaders, influencing corrective actions and strategic decisions.
- Developed onboarding and training materials that improved team readiness and consistency in audit execution.
- Wells Fargo Home Mortgage - Consumer Loan Underwriter/Credit Risk Analyst
- Conducted detailed financial analysis of mortgage applications, assessing income, credit, collateral, and risk factors to support sound lending decisions.
- Served as a subject matter expert for complex loan scenarios, providing guidance that improved decision quality and reduced processing errors.
- Designed and delivered training programs that improved analytical capabilities and productivity of new underwriters.
Financial Service Officer/Personal Banker/Loan Officer
Affinity Plus Federal Credit Union
09.2005 - 09.2010
- Performed financial and credit analysis for consumer lending decisions across multiple states, ensuring compliance with regulatory and internal standards.
- Conducted monthly branch audits, identifying process gaps and recommending improvements that enhanced compliance and operational performance.
- Provided financial counseling to members, helping them optimize loan structures, reduce interest costs, and improve long-term financial outcomes.
Credit Manager/Management Trainee
Wells Fargo, NA
12.2003 - 09.2005
- Analyzed customer financial profiles to recommend lending products aligned with risk appetite and revenue goals.
- Leveraged sales and referral data to identify opportunities, contributing to portfolio growth and improved customer engagement.
- Wells Fargo Home Mortgage - Late Stage Collector
- Assessed delinquent mortgage accounts and developed repayment strategies that reduced losses and improved portfolio performance.
Merchandise Coordinator; Front End Supervisor; Department Lead; Intern
Target Corporation
08.2001 - 12.2003
- Analyzed weekly sales and inventory data to recommend markdowns, discontinuations, and replenishment strategies that improved product performance and profitability.
- Partnered with buyers, vendors, and store teams to support execution of merchandising plans and operational initiatives.
- Developed a training program that improved employee performance, reduced turnover, and strengthened operational consistency.
Education
Mini MBA - Non-Profit Organizations
University of St Thomas
Minneapolis, MN12-2019
Graduate Certificate - Project Management
UNIVERSITY OF MINNESOTA – College of Continuing Education
Twin Cities, MN12-2014
Bachelor of Science - Retail Merchandising (Business and Marketing)
UNIVERSITY OF MINNESOTA - College of Education & Human Development
Twin Cities, MN05-2002
Skills
- Risk analysis expertise
- Professional development
- Engagement with non-profit governance
- Leadership development
- Credit risk assessment
- Consultative collaboration
- Business and financial knowledge
- Personal finance lending
- Data oversight capabilities
- Compliance auditing skills
- Relationship management
- Quality management
Affiliations
- TOASTMASTERS INTERNATIONAL - Member Minneapolis, MN
- ROTARY INTERNATIONAL- SMME Bloomington, MN
- ONEVILLAGE PARTNERS - Board of Director Minneapolis, MN
- SIERRA LEONE COMMUNITY IN MINNESOTA (SLCM) - Executive Secretary Twin Cities, MN
Languages
Krio
Native or Bilingual
English
Full Professional
Mende
Native or Bilingual
Timeline
Sr. Enterprise Risk Specialist (SAVP)
Wells Fargo, NA
01.2022 - 12.2025
Data Management Consultant
Wells Fargo, NA
08.2020 - 01.2022
Enterprise Data Governance- Data Governance Manager (VP)-Operations
US Bank NA
03.2018 - 08.2020
Senior Auditor - Internal Audit
Wells Fargo, NA
09.2010 - 03.2018
Financial Service Officer/Personal Banker/Loan Officer
Affinity Plus Federal Credit Union
09.2005 - 09.2010
Credit Manager/Management Trainee
Wells Fargo, NA
12.2003 - 09.2005
Owner- Freelance Consulting & Coaching
EDW Consulting, LLC
01.2002 - Current
Merchandise Coordinator; Front End Supervisor; Department Lead; Intern
Target Corporation
08.2001 - 12.2003
Mini MBA - Non-Profit Organizations
University of St Thomas
Graduate Certificate - Project Management
UNIVERSITY OF MINNESOTA – College of Continuing Education
Bachelor of Science - Retail Merchandising (Business and Marketing)
UNIVERSITY OF MINNESOTA - College of Education & Human Development