Maria Savova

Lead the AMCB G&C Regulatory Exam Readiness activities, driving efficient exam routines, comprehensive deliverables and timely self-identification and remediation of significant process and controls gaps for the Commercial, Consumer and Shared Services Business Segments, including:

• Conduct E2E Exam Readiness Reviews and "mock" exams ahead of formal external reviews.
• Review and challenge "current state" business line policies and procedures, process documentation, governance, reporting, etc. against regulatory expectations and industry "best" practices.
• Analyze and help establish connectivity and efficiency of risk mitigation efforts for the specific product/area/business line vertically along all Lines of Defense (LOD) and horizontally between the various 2nd LOD risk programs.
• Compile and maintain Consolidated Review Calendar for the above listed Business Segments to drive efficient and consistent Reviews Status Reporting, readiness and resource planning, and avoiding duplication of efforts and scope within the 3 LODs.

Lead the Commercial Bank Exam and Issue Coordination activities and act as liaison between the business lines and the 2nd and 3rd LODs as well as external reviewers and the business lines including:

• Providing risk, control, audit/examination process, sustainable issue remediation, testing and validation insights and expertise;
• Driving timeliness, accuracy and completeness of exam deliverables and issue remediation plans, remediation execution and evidence;
• Tracking, reporting and escalation of reviews and outstanding issues status to executive management and key stakeholders;
• Escalating arising risks and driving pro-active and timely Self-Identification;

• Implementing and maintaining the Process Risk and Control Self-Assessments (pRCSAs) for CSB;
• Implementing and maintaining the 1B Quality Control (QC) testing for pRCSAs and Compliance controls for CSB.
• Implementing and maintaining an AML/BSA Transactions Monitoring Program for CSB and later the Commercial Bank.

• Manage integrated lending and operational audits, including Asset Based Lending, Equipment Financing, and Commercial Real Estate Administration.
• Prepare and present to management audit reports, findings and recommendations.
• Perform quarterly assessment of risk environment for audit entities (quarterly audit re-planning).
• Monitor and validate audit and regulatory issues remediation for a large number of lending and operational functions.

• Performed annual risk assessments, and developed audit plan.
• Managed a variety of end-to-end business process reviews/audits, including Retail and Commercial Lending, Deposits, Allowance for Loan and Lease Losses, Asset/Liability Management, Investments, Fixed Assets, etc.
• Prepared and presented to management audit reports, findings and recommendations.
• Managed the validation of regulatory issues remediation.
• Worked with the Bank’s external auditors and managed internal audit direct assistance projects.
• Assisted in special projects for senior management and/or the audit committee.
• Assisted in implementation and/or review of client ERM practices.

• Participated in Financial Statements Audits, Integrated Audits (Sarbanes-Oxley), and Single Audits (A-133) for variety of clients and industries.
• Participated in the planning phase of the audit: developed and documented understanding about client’s industry, business, accounting, and control environment; performed analytical procedures; developed and documented audit programs and procedures.
• Designed, performed, and documented tests of controls and substantive testing for variety of accounts and transactions cycles: Revenue, Expenditures, Cash, Payroll, Fixed assets, Investments, Accounts Payable, Equity, etc.