Madivelle Saenz

• Serving as a subject matter expert to the Regulatory Change Management system of record, ServiceNow, and ensuring that USAA is adhering to legal requirements, policies, standards, and procedures.

• Identifying systemic issues and identifying the root cause to assist meeting end user needs

• Processing security requests, reassignments, routing rules, updates to RCM forms or compliance impact rating and updating library requirements

• Coaching and mentoring other team members to bring them up to speed so that they can become Regulatory Change Management subject matter experts and acting as a Business Administrator for the Regulatory Change Management team

• Able to work with cross-functional partners to assist in leading the development and implementation of compliance frameworks to ensure compliance with laws and/or regulations

• Providing guidance and training to the business to assist them in understanding the Regulatory Change Management Application

• Liaison between the development team and the RCM team to help identify issues or enhancements that were needed within the RCM Application and leading those scenarios to ensure they are implemented

• Worked with the RCM team to understand the team’s strategy and vision and writing the acceptance criteria for enhancements, bugs and features

• Prioritizing stories, bugs, and features to include working and maintaining the backlog

• Ability to lead development across multiple teams

• Assisted in the creation of new procedures and update of current policies to enable online lender to meet regulatory scrutiny.

• Reviewed and rewrote policies and procedures to ensure regulatory compliance with lending regulations including UDAAP, TILA, FDCPA, TCPA, ECOA, CANSPAM, Regulation E, FCRA, ESIGN, NACHA, GLBA, military laws and AML/BSA.

• Company was unable to offer continued employment due to corporate funding issues.

• Facilitated adherence to corporate policies, compliance with Regulation Z and regulatory reporting obligations under anti-money laundering regulations.

• Reviewed system generated reports of transactions and investigation of account activity for potentially, monitored and identified potential suspicious activity, drafted narratives of findings.

• Performed detailed analyses to detect patterns, trends, anomalies and schemes in transactions and relationships across multiple businesses/products, prepared suspicious activity reports and filed them on the FinCEN website.

• Identified training opportunities and developed, conducted, and assisted with a wide range of BSA/AML- related training and analyzed potential OFAC hits

• Ensured complaints received from the CFPB, AG, BBB and other entities were processed and resolved.

• Creation of policies and procedures and filing of Form 8300’s through FinCEN website

• Managing internal and external audits, interpreting policy and working with Senior Leadership to mitigate risk. Following wind-down of USFS Division, was selected by Manager as sole employee offered a transition role with US Pawn Division operations.

• Audited live and recorded collection calls to ensure regulatory requirements were satisfied and provided training and risk mitigation recommendations.

• Audited 500 stores both onsite compliance audit and training visits, and electronic offsite reviews, to ensure regulatory requirements were met. Partnered with operations management to identify and implement business-friendly process and practice adjustments.

• Performed onsite and offsite third-party vendor audits to validate compliance with regulatory requirements by higher risk service providers.

• Independently identifying and assessing risk for new audits, testing procedures and controls, reporting findings and making appropriate recommendations for enterprise change in compliance with Sarbanes-Oxley.

• Created and ensured policies and procedures were properly documented, maintained and regularly reviewed by working with the SME’s from each department

• Performed controlled self-assessments in specific departments to ensure adherence to government regulations.

• Created management action plans that were the result of findings in the controls self- assessments.

• Provided guidance to the business segments on resolution to issues identified in their control self- assessments.

· Auditing of third party vendor documentation to ensure regulatory requirements in the statement of work were satisfied and worked with vendors to address issues an explore new opportunities

· Communicated all findings in self assessments and third-party vendor audits to executive management team.

• Responsible for testing and auditing of all departments impacting lending transactions, including Sales, Credit, Marketing, Collections, Fraud detection, Information Technology, Customer Communications, Cash Application, Invoicing and Customer Service.

• Worked closely with Dell internal and external customers to provide assistance with external audits including State and Federal examiners and external auditors (Price Waterhouse Coopers), and to facilitate internal audits performed by CIT Bank and Dell.

• Stayed current with latest changes to applicable regulatory standards and company procedures.

• Reconciling accounting records and reports within month-end closing process and researching and resolving discrepancies.

• Detected and corrected mistakes early on and implemented systems to avoid recurring issues.
• Partnered with auditors to track errors and add contributions to maintain accuracy.

• Managed daily application of customer payments made to company accounts, reconciling daily cash balances, debit, and credits.

• Analyzed records and documents to verify proper identification prior to releasing orders