Louisa Bell
Wilmington,DE
Summary
Experienced compliance professional with over 20 years in the financial sector. I bring extensive knowledge in regulatory compliance management, operational risk and control assessments, and the development of standards and policies. Adept at navigating complex regulatory guidelines, I provide actionable solutions that ensure full compliance. My effective communication skills foster successful collaboration across teams. I thrive on problem-solving and optimizing processes to boost operational efficiency while working closely with business partners to achieve outstanding results.
Overview
30
30
years of professional experience
Work History
Consultant – Program Manager
TD Bank
06.2024 - Current
- 1B Team Program Manager supporting Risk for Platforms & Technology(P&T)
- Issue tracking and documentation in Archer EGRC system
- Engaged with Internal Auditors for the timely completion of remediation plans related to IA findings
- Review of all enterprise standards and policies for alignment with business unit standards to comply with regulatory changes
- Mapping/documenting key controls in Archer EGRC system
- Completion of Risk Assessments
Director Operational Risk & Control
Sallie Mae Bank
Newark, DE
04.2014 - 12.2023
- Compliance Risk and Control 2LOD oversight for Fraud, Credit Card, Personal Loan, Student Loans and Human Resources
- 2 LOD review of SAR narratives for accuracy, timing, monetary levels and supporting documents
- Facilitated Certification of Red Flags by business area executive, documented red flags that aligned with Fraud strategies
- Testing of AML/BSA processes to include CIP and SARs as part of fraud oversight for alignment with bank policies and regulatory requirements
- Provided reporting for executive monthly business reviews to communicate successes and discuss findings or gaps noted from testing, exams, or internal audit
- Tracked state and federal regulations for changes that have impact to business processes, engaged with legal and SME’s to implement changes if needed
- Completion of Annual Risk Assessment
- Fulfilled requests for exams by FDIC, CFPB, UDFI and internal audit
- Completed annual compliance training plan and assignments for 2000+ employees and contractors
- Utilized Archer GRC for tracking gaps and issues used to complete RCSA
- Key member of credit card launch initiative for all compliance requirements
- Responded to complaints received in the Office of Customer Advocate related to fraud and HR
VP- Compliance Officer
Partners First
Wilm, DE
04.2007 - 04.2014
- Company Overview: A Division of Western Alliance Bancorp
- Compliance Officer for a start-up affinity credit card bank
- Developed sound CMS program and implemented policies and procedures to align with regulatory requirements
- Developed monthly testing & monitoring of all operational processes using a risk- based approach
- Completed annual risk assessments
- Provided monthly or ad-hoc reporting to executives and business area managers
- Sole contact for all exam management from FDIC and internal examiners
- Managed third party relationship with TSYS for all servicing processes, created standards and monitored for compliance
- Reviewed all marketing copy, website disclosures and cardholder agreements for regulatory adherence
- Monitored and tracked all state and federal laws and regulations for changes that would impact business processes
- Successfully transitioned 60K+ accounts from TSYS system to buyer platform without issue
- A Division of Western Alliance Bancorp
Bank Officer - Operational Risk and Compliance
MBNA America and Bank of America
Newark, DE
02.1995 - 04.2007
- Owner of Compliance and Operational Risk oversight for credit and fraud
- Reviewed SARs for accuracy and alignment of bank policies and regulatory responsibilities
- Managed testing team responsible for testing operational processes for credit, fraud, and collections
- Hosted call listening sessions for management and executives for customer contact business areas
- Provided monthly business review to management providing details of the state of the business and any known risks
- Tracked and documented all gaps and issues identified by examiners, internal audit or self-identified until resolved
- Oversight of bank policies and procedures for compliance updates and implementation
- Completed SOX testing for fraud
- Completed process mapping for transitioning systems from MBNA to Bank of America
Education
High School -
St. Mark’s High School
Certification - Fair Lending Certification
ABA
Certification - Fraud Prevention Certification
ABA
Skills
- Detail-oriented
- Policy and procedure improvements
- Personnel management
- Customer service
- Regulatory compliance
- Change management
- Problem-solving
- Documentation proficiency
Timeline
Consultant – Program Manager
TD Bank
06.2024 - Current
Director Operational Risk & Control
Sallie Mae Bank
04.2014 - 12.2023
VP- Compliance Officer
Partners First
04.2007 - 04.2014
Bank Officer - Operational Risk and Compliance
MBNA America and Bank of America
02.1995 - 04.2007
High School -
St. Mark’s High School
Certification - Fair Lending Certification
ABA
Certification - Fraud Prevention Certification
ABA
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