Eric J. Harter, CRCM

Compliance Program Leadership & Risk Management

• Design, implement, and monitor a comprehensive compliance program spanning operations, lending, deposits, and ancillary bank functions.
• Act as the bank’s primary compliance subject-matter expert, staying abreast of federal and state regulatory changes and translating them into actionable policies.
• Conduct regular risk assessments and program reviews to prevent, detect, and remediate violations of laws, regulations, internal policies, and the code of conduct.
• Recommend policy and procedure updates to senior leadership and the board of directors, clearly articulating emerging compliance risks and mitigation strategies.

Cross-Functional Coordination & Reporting

• Coordinate resources across departments to ensure timely implementation of regulatory changes and sustained program effectiveness.
• Track, triage and resolved all issues referred to the compliance department, maintaining a robust audit trail.
• Prepare and present monthly compliance reports to the board of directors, highlighting program performance, risk trends, and corrective actions.

Training, Audits & Continuous Improvement

• Develop and delivere targeted compliance training and materials, ensuring all personnel understood and fulfilled their compliance responsibilities.
• Led internal audits, arranged external examinations as required, and assisted the Internal Bank Auditor—streamlining audit processes and strengthening control frameworks.

• Developed and maintained risk-based programs to identify, assess and mitigate operational risks across people, processes, systems and external events
• Provided oversight and expert consulting to complex business units on high-risk initiatives and system-security challenges
• Designed testing strategies and evaluated the effectiveness of policies, procedures and internal controls; assigned risk ratings and drafted corrective action plans
• Produced periodic risk-performance reports with trend analyses and strategic recommendations for senior management
• Created and delivered targeted training materials; mentored junior consultants to build risk-management capabilities

• Support the design, development, and implementation of the Card Services compliance strategy and framework.

• Interpret / translate between technology, compliance and the business. Describe technology and compliance risks in business terms such as exposure, financial risk, and reputational risk to stakeholders.

• Assess existing systems, products and processes, provide comprehensive risk assessments, and prioritize actions; support the creation of business cases for change and or investment as needed.
  
  

• Execution of the compliance and operational risk review and oversight program through the development, implementation, and maintenance of an effective risk-based testing and review program and compliance policies and procedures. Testing includes ensuring compliance with applicable laws and regulations, client contracts, customer payments, customer complaints, policies and procedures and maintaining testing workpapers

• Conduct compliance reviews on products and services at monthly intervals for compliance with applicable laws and regulations and adequacy of internal controls designed to prevent and detect violations of laws and regulations for 22 bank branches in South Dakota, Nebraska, Arizona, Texas, and Nevada.