Kelly D. Ratledge
Stoneville,NC
Summary
Versatile, meticulous, and trustworthy Risk Management Expert with over 15 years of experience leading operations risk management and digital risk management initiatives. Proven track-record of managing compliance and operational risks related to complex lines of business, products, and marketing to mitigate legal complications. Experience-based knowledge of lean six sigma principles, auditing best practices, and various state/federal and SOX regulations. Hands-on experience in managing internal controls, validating financial accuracy, managing projects, and completing risk and control self-assessments (RCSAs) via effective challenge. Currently seeking a position in Risk Management, bringing extensive qualifications as follows: Digital Risk Management Risk Mitigation/Reduction Process Improvement Process Mapping Remediation Plan Monitoring Internal Controls/Auditing State & Federal Regulations Data Analysis/Interpretation Process Flow Documentation Project Management Staff Training/Supervision Work Plan Development Compliance Testing Regulatory Compliance Operational Risk Management.
Overview
15
15
years of professional experience
Work History
Senior Consultant/Operational – Digital Risk Management
Lincoln Financial Group
01.2016 - Current
- Consulted, analyzed, and delivered on more complex assignments/projects independently for both Operational and Digital Risk Management, as well as Regulatory Controls
- Served as a resource to subject matter experts and organizational leadership on risk management concepts and activities
- Compiled, analyzed, and interpreted data, processes, metrics, and other relevant data associated with assessing and evaluating the control environment via creation risk and control matrices
- Mapped and maintained key procedural SOX and non-SOX controls to defined risk scenarios for each risk category and documenting process flows as well as narrative documentation
- Consistently achieved under-budget and on-time completion of assignments with significant scope and impact to the organization
- Developed and executed assignment programs to ensure adherence with various state & federal requirements
- Identified and created work plans for the creation and correction of inefficient or ineffective internal controls and/or risk mitigation strategies via conduct of independent control testing
- Executed RCSA processes for assigned business units utilizing effective challenge
- Served as point of contact and subject matter expert for annual SOX 404 testing and certifications
Vice President/Senior Compliance Testing Officer
BB&T
01.2016 - 12.2016
- Performed periodic testing reviews in accordance with the testing plan as established by Compliance Testing Management
- Held accountable for confirming that key compliance-related business line controls were effective to mitigate compliance and operational risks via the completion and documentation of independent control testing, including both the establishment and monitoring of control remediation plans
Vice President/Compliance Senior Risk Manager
BB&T
01.2014 - 12.2016
- Served as a subject matter expert and risk manager, responsible for managing and supervising compliance and operational risks related to the more complex assigned lines of business, products, disclosures, advertisements, marketing, and other compliance concerns
- Functioned as a key officer within the compliance organization, providing staff management, regulatory expertise, and enterprise risk analysis to the department as whole while also implementing and monitoring remediation plans to ensure appropriate risk mitigation including completion of independent control testing
Assistant Vice President/Compliance Senior Risk Manager
BB&T
01.2013 - 12.2014
- Served as a subject matter expert and risk manager, responsible for managing and supervising compliance and operational risks related to assigned lines of business, products, disclosures, advertisements, marketing, and other compliance concerns
- Worked as a key officer within the compliance organization, providing staff management, regulatory expertise, and enterprise risk analysis to the department as whole while also implementing and monitoring remediation plans to ensure appropriate risk mitigation including completion of independent control testing
Assistant Vice President/Enterprise Risk Management Assessment Officer
BB&T
01.2011 - 12.2013
- Implemented the Incentive Compensation Risk Assessment Program for lines of business throughout the enterprise
- Collaborated with business unit managers, risk managers, and key Program stakeholders (Audit Services, Corporate Compliance, Legal Department, and Human Systems among others), performing incentive compensation plans/arrangements risk assessment activities, and recommending appropriate risk balancing mechanisms to deter imprudent risk-taking activities, while delivering value-added risk consulting solutions to the business units regarding incentive compensation
Operations Risk Manager/Bank Security Officer
American National Bank
01.2010 - 12.2011
- Reporting directly to the CFO was responsible for the establishment and implementation of an enterprise-wide operational risk management strategy and function while working under the direction of the Operational Risk Management and Security Committee
- Provided Senior Management and Board level committees with ongoing monitoring, research, communication, and recommendations regarding direction for operational risk initiatives
- Served as the Board appointed security officer of the Bank overseeing physical branch and facility security, branch, vault, and ATM limits, cash including the corporate Information Security Program
- Executed RCSA processes for the enterprise utilizing effective challenge
Education
Master of Science - Business Administration, Concentration in Management Information Systems
Gardner-Webb University
Boiling Springs, NCBachelor of Science - Business Management, Concentration in Human Resource Management
Guilford College
Greensboro, NCAssociate of Applied Science - Business Administration
Rockingham Community College
Wentworth, NCAssociate in Risk Management (ARM) Designation -
03.2025
Skills
- Digital Risk Management
- Risk Mitigation/Reduction
- Process Improvement
- Process Mapping
- Remediation Plan Monitoring
- Internal Controls/Auditing
- State & Federal Regulations
- Data Analysis/Interpretation
- Process Flow Documentation
- Project Management
- Staff Training/Supervision
- Work Plan Development
- Compliance Testing
- Regulatory Compliance
- Operational Risk Management
Timeline
Senior Consultant/Operational – Digital Risk Management
Lincoln Financial Group
01.2016 - Current
Vice President/Senior Compliance Testing Officer
BB&T
01.2016 - 12.2016
Vice President/Compliance Senior Risk Manager
BB&T
01.2014 - 12.2016
Assistant Vice President/Compliance Senior Risk Manager
BB&T
01.2013 - 12.2014
Assistant Vice President/Enterprise Risk Management Assessment Officer
BB&T
01.2011 - 12.2013
Operations Risk Manager/Bank Security Officer
American National Bank
01.2010 - 12.2011
Associate in Risk Management (ARM) Designation -
Master of Science - Business Administration, Concentration in Management Information Systems
Gardner-Webb University
Bachelor of Science - Business Management, Concentration in Human Resource Management
Guilford College
Associate of Applied Science - Business Administration
Rockingham Community College
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