Jacie Paulk
Brewerton,NY
Summary
Dynamic compliance leader with a proven track record at Berkshire Bank, excelling in data analysis and fostering strong relationships. Spearheaded regulatory compliance programs, achieving streamlined processes and effective risk assessments. Skilled in coaching, with a knack for policy development and process improvement, significantly enhancing operational efficiency and compliance standards.
Overview
17
17
years of professional experience
1
1
Certification
Work History
VP Compliance Officer
Berkshire Bank
East Syracuse, NY
09.2021 - Current
- Facilitated daily operations of a robust Compliance Management Program through maintaining operational questionnaires for self-monitoring.
- Analyzed monitoring outcomes to identify compliance risks, and reviewed action plans for corrective plan adequacy.
- Ensure a functional understanding of relevant laws, regulations, best practices, and compliance guidelines.
- Maintain expertise in evolving regulations, ensuring relevant departments are informed.
- Offer guidance on operational compliance issues and respond to business line inquiries.
- Support the development of skills among compliance analysts.
- Enhanced processes to streamline workflows for reporting regulatory issues and complaint trends.
- Facilitated the transition of self-monitoring deployment from Continuity to Archer.
- Migrated the action item tracking matrix from Excel to Archer.
- Shifted existing system of managing complaints from Archer to Salesforce platform.
- Established comprehensive policies and procedures, ensuring adherence to regulatory standards.
- Cooperated with fellow compliance officers to finish and revise risk assessments.
Sr Consumer Compliance Analyst
Berkshire Bank
09.2020 - 09.2021
- Part-time compliance analyst for dwelling and non-dwelling consumer lending.
- Mentored new Compliance Officer and provided consultancy to Department Managers.
- Coordinated with the Business Manager to finalize various projects and tasks.
- Contributed to monthly monitoring tasks aimed at supporting compliance efforts.
AVP Consumer Compliance Officer
Berkshire Bank
01.2017 - 09.2020
- Managed monthly compliance efforts with the support of direct reports.
- Delivered a comprehensive quarterly analysis of findings, resolutions, and root causes.
- Primary contact between the business line, Compliance Division, and Audit.
- Worked in partnership with business managers to ensure up-to-date processes and procedures.
- Completed procedural updates for regulation changes: MLA, BSA, FEMA, HMDA, and TRID.
- Compiled quarterly data on both originated and non-originated consumer applications for fair lending analysis.
- Evaluated findings against a comparative group to ensure fairness in loan approval process.
- Conducted detailed assessments of product terms and conditions to support the introduction of new offerings within compliance standards.
- Facilitated acquisition initiatives by maintaining compliance with state disclosure requirements.
- Participated in loan origination system improvements and upgrades by creating test scripts and assisting in system testing.
Retail Compliance Officer, Direct Retail Lending
Berkshire Bank
10.2014 - 01.2017
- Executed monthly reviews of consumer loan application processes in collaboration with operations teams.
- Summarized findings, root causes, and resolutions for quarterly reporting.
- Developed, reviewed, implemented, and analyzed internal processes and procedures to address potential compliance risks.
- I served as the liaison between the line of business and the Compliance Division, and I was the primary contact for responses to audit and review questions.
- Created training materials to educate branch employees on compliance topics such as HMDA, Reg C, Reg B, and TRID.
- Educated team members on revised operational standards for change management.
- Identified key qualifying and pricing factors to address accurate data submissions, and fair lending challenges.
- Analyzed regression outcomes alongside control group data to evaluate decision integrity.
- Developed quarterly process for exception reporting and analysis.
- Contributed to acquisition projects, ensuring state disclosure compliance, and a smooth transition of the open pipeline.
- Assisted with loan origination system enhancements, document mapping, and system testing.
- Collaborated with Loan Servicing to design procedures for indirect fair lending pricing remediation.
- Evaluated new products, services, or initiatives for potential compliance risks.
Closing Coordinator, Home Equity Loans
Berkshire Bank
03.2013 - 10.2014
- Worked with management to develop closing, funding, and document policies and procedures that capture regulation compliance on each home equity transaction
- Built closing instructions for proper document execution to the closing branch/closing attorney
- Created closing, funding, and post-closing checklists to ensure compliance requirements are reviewed for each transaction; HMDA, Reg C, Reg B, RESPA, TILA, etc
- Reviewed and prepared closing documents and closing instructions for accuracy and regulatory compliance of home equity loan and line of credit documents
- Completed quarterly assessments to ensure closing/funding procedures and execution were compliant
Temporary Employee, Closing Coordinator, Mortgage
Berkshire Bank
11.2012 - 03.2013
Associate Project Manager
PetSmart Inc.
Phoenix, AZ
01.2009 - 01.2011
- Supervised elements of new business concept test projects, generating weekly reports to gauge project performance.
- Conducted surveys to analyze and implement continuous improvement.
- Collaborated with subject matter experts to create and execute comprehensive build and maintenance guidelines for live aquatic displays.
- Improved customer engagement by evaluating and revamping the aquatic kiosk interface.
- Facilitated team-building activities highlighting company success factors and emphasizing strategy and collaboration.
Procurement Analyst
PetSmart Inc.
Phoenix, AZ
01.2008 - 01.2009
- Generated purchase orders while incorporating a software tool to vet vendor backgrounds.
- Designed and delivered a corporate-wide presentation aimed at fostering insights into department operations.
Education
ME - Adult Education and Training
Colorado State University
05.2015
BS - Supply Chain Management
Arizona State University
05.2000
Skills
- Data analysis
- Coaching and mentoring
- Critical thinking
- Relationship building
- Process improvement
- Rules and regulations
- Decision-making
- Policy and procedure development
Certification
Certified Regulatory Compliance Manager (CRCM), American Bankers Association, 12/2025
Affiliations
- Liverpool Community Chorus
- Karate
Timeline
VP Compliance Officer
Berkshire Bank
09.2021 - Current
Sr Consumer Compliance Analyst
Berkshire Bank
09.2020 - 09.2021
AVP Consumer Compliance Officer
Berkshire Bank
01.2017 - 09.2020
Retail Compliance Officer, Direct Retail Lending
Berkshire Bank
10.2014 - 01.2017
Closing Coordinator, Home Equity Loans
Berkshire Bank
03.2013 - 10.2014
Temporary Employee, Closing Coordinator, Mortgage
Berkshire Bank
11.2012 - 03.2013
Associate Project Manager
PetSmart Inc.
01.2009 - 01.2011
Procurement Analyst
PetSmart Inc.
01.2008 - 01.2009
ME - Adult Education and Training
Colorado State University
BS - Supply Chain Management
Arizona State University
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