Summary
Overview
Work History
Education
Certification
Timeline
Generic

Heather Warner

Northbridge,MA

Summary

Experienced banking professional with 32+ years of expertise in front-line and back-office roles. Demonstrated success as a bank officer for 15 years, overseeing operational integrity, risk mitigation, policy development, and regulatory compliance. Seeking to use extensive experience to contribute to the industry at a broader level,

Overview

24
24
years of professional experience
1
1
Certification

Work History

Operations Manager, VP

UNIBANK FOR SAVINGS
01.2022 - Current
  • Oversee the deposit operations and electronic banking functions of a2.5-billion-dollar financial institution
  • Active member of the Bank’s Information Technology, Compliance, and Project Management Office committees
  • Responsible for revising multiple bank policies and presenting them to the Board of Directors for voting and approval
  • Prepare and adhere to annual budget for the Deposit Operations department
  • Review and approve invoices, monitor variances, and develop recovery strategies if necessary
  • Contribute to operations disaster recovery/business continuity planning and risk assessments
  • As Keeper of the Records, ensure all subpoenas, levies, and summons to trustee received by the Bank are responded to accurately and promptly
  • Secure satisfactory audits from external examiners in payment areas including ACH, Wires, and Debit Cards and regulatory areas such as Reg E, Reg CC, Privacy and BSA/AML
  • Reconcile general ledger accounts, monitor fraud loss, and review employee account overdrafts including Board and Regulation O officers
  • Investigate and introduce new services including foreign funds wires, EMV chip debit cards, contactless debit cards, Real Time Payments, FedNow and early ACH posting

Electronic Banking Manager, AVP

UNIBANK FOR SAVINGS
01.2012 - 01.2022
  • Managed team responsible for daily processing of electronic services including ACH Origination, Wire Transfer, Online Banking, Positive Pay, Bill Pay, Remote/ Mobile Deposit, and ATM/ Debit Cards
  • Evaluated core providers and led the electronic banking team through two core conversions
  • Minimized loss to the bank by ensuring daily review of electronic transactions
  • Secured satisfactory audits from both internal departments and external examiners
  • Guaranteed compliance with regulations including Regulation E and NACHA Rules

Regional Operations Officer II, VP

TD BANK
01.2009 - 01.2012
  • Served as Retail market lead for enterprise-wide projects including instant card personalization, envelope free ATM deposits, teller image processing, teller cash recyclers, acquisitions, store openings and consolidations
  • Maintained operational and brand integrity of the Eastern MA and RI markets through on-site compliance, policy, and procedure reviews
  • Responsible for a territory of36 stores over three regions
  • Acted as resource for complex problems and as liaison between branches, back office departments, and vendors
  • Continued

Branch Operations Project Specialist, AVP

TD BANKNORTH
01.2001 - 01.2009
  • Facilitated communication between back-office departments and retail branches across Massachusetts
  • Led12 new branch opening, relocation, and consolidation projects
  • Represented Retail Operations as team lead for13 bank acquisitions in MA, CT, and NY
  • Administered the peer audit program for Massachusetts branch offices

Education

Bachelor of Science - Business Administration

New England College of Business

Associate of Arts - Business Administration

Western International University

Professional Certificate - Project Management

University of Phoenix

Certification

  • National Check Professional (NCP) - ECCHO2024
  • Accredited Payments Risk Professional (APRP) - NACHA2022
  • Accredited ACH Professional (AAP) - NACHA2013
  • Cross-Channel Risk Certificate - NEACH2015
  • Certified Electronic Banking Officer - Bankersweb2016
  • 6-Sigma Yellow Belt - TD Bank2012
  • Certified Associate in Project Management (CAPM – expired) – Project Management Institute2010

Timeline

Operations Manager, VP

UNIBANK FOR SAVINGS
01.2022 - Current

Electronic Banking Manager, AVP

UNIBANK FOR SAVINGS
01.2012 - 01.2022

Regional Operations Officer II, VP

TD BANK
01.2009 - 01.2012

Branch Operations Project Specialist, AVP

TD BANKNORTH
01.2001 - 01.2009

Associate of Arts - Business Administration

Western International University

Professional Certificate - Project Management

University of Phoenix

Bachelor of Science - Business Administration

New England College of Business

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Heather Warner