Maha Rabadi CCUIA
Upland,CA
Summary
Accomplished financial services executive with over 25 years’ experience in retail branching, deposits, lending, operations, sales, training, business development, auditing and regulatory compliance. My experience and skills to make an immediate and positive impact as the next Chief Operations Officer of America's Christian Credit Union.
Overview
11
11
years of professional experience
4
4
years of post-secondary education
1
1
Certification
Work History
Director of Internal Audit
America’s Christian Credit Union
Glendora, CA
09.2016 - Current
- Direct the Internal Audit Department of a $600 million-dollar credit union.
- Reports directly to the Supervisory Committee to ensure independence.
- Established the credit union’s Internal Audit Department as well as designed and implemented the credit union’s risk-based audit plan, internal audit procedures, audit report format, audit rating system and continuous monitoring of audit findings.
- Present audit findings to the Supervisory Committee and Senior Management on a quarterly basis.
- Advise operations and corporate functions regarding adequacy of policy, procedures, appropriate internal controls and compliance with rules and regulations.
- Perform investigations and special projects at the request of Senior Management, Board of Directors and Supervisory Committee to include investigating member accounts for possible money laundering, structuring and fraudulent activities utilizing Verafin software.
- Responsible for obtaining and coordinating all external audits.
- In addition, responsible for coordinating annual exams with federal and state regulators to include the National Credit Union Administration (NCUA) and the Department of Financial Protection and Innovation (DFPI).
Branch Manager
Chaffey Federal Credit Union
Upland, CA
04.2014 - 08.2016
- Responsible for all monthly branch audits which included cash audits, new accounts membership audits, consumer loan audits and mortgage loan audits.
- Ensured daily branch operations were conducted in accordance with established credit union policies to include legal and regulatory requirements.
- Provided on-going training to branch staff on credit union products and services, policies and procedures.
- Responsible for on-going evaluation and provided feedback on employee performance.
- Worked cooperatively with management and branch staff to effectively communicate and implement performance standards of sales goals and objectives.
- Originated, approved, processed loans and ensured that they meet criteria for acceptable risk and debt ratios.
- Made business development and Segment Group (SEG) visits in support of promoting awareness and growth of the credit union.
Chief Executive Officer
Fontana Federal Credit Union
Fontana, CA
01.2009 - 10.2012
- Managed a 13-million-dollar credit union.
- Maintained effective staff and resource to balance financial and operational obligations.
- Determined vision and strategic direction of the Credit Union and coordinated resources to achieve targets within optimal timeframes.
- Improved business profits through strategic updates to processes, procedures and team makeup.
- Improved credit union’s CAMEL rating
- Lead a successful merger of “Mt. Slover FCU” with Fontana Federal Credit Union.
- Upgraded the Credit Union’s home banking to give members more functions such as applying for loans online, opening accounts online, person to person transfers.
- Responsible for all aspects of the Credit Union's operation which included membership and deposits, lending and collections, investment portfolio management, maintained compliance with Office of Foreign Assets Control (OFAC), FinCen and NCUA rules and regulations,
- Maintained standards with Credit Union's policies and procedures.
- Worked closely with external auditors and federal examiners.
- Wrote and updated Credit Union policies and procedures on a regular basis to ensure compliance with current rules and regulation.
- Prepared Credit Union’s budget and made proper adjustments.
- Prepared monthly income statements and balance sheets.
- Balanced Credit Union general ledger on a monthly basis.
- Reviewed and validated financial records as well as approved all Credit Union new loans for compliance prior to funding.
- Hired, trained and evaluated Credit Union employees.
- Reviewed and negotiated Credit Union contracts with various vendors to determine best price for services.
- Negotiated Credit Union contracts with vendors and reduced annual and monthly fees.
- Scheduled and facilitated monthly Board of Directors meeting.
Education
Bachelor of Science - Business Administration, Finance
California State University - Long Beach
Long Beach, CA 08.1994 - 05.1998
Skills
Strategic planning
Operations management
Performance Optimization
Compliance and Banking Regulations
Excellent Communication Skills
Affiliations
Regional Director, Association of Credit Union Internal Auditors Member, The Institute of Internal Auditors
Certification
Certified Credit Union Internal Auditor, Association of Credit Union Internal Auditors
Timeline
Director of Internal Audit
America’s Christian Credit Union
09.2016 - Current
Branch Manager
Chaffey Federal Credit Union
04.2014 - 08.2016
Chief Executive Officer
Fontana Federal Credit Union
01.2009 - 10.2012
Bachelor of Science - Business Administration, Finance
California State University - Long Beach
08.1994 - 05.1998