Michael Gales
Circle Pines,MN
Summary
Detail-oriented professional with extensive experience in financial analysis and regulatory compliance. Known for evaluating risk management practices and providing insights that drive strategic decisions, ready to support organizational goals through effective oversight.
Overview
4
4
years of professional experience
Work History
Financial Institution Examiner In-Charge
State of Minnesota Department of Commerce
Saint Paul, Minnesota
07.2024 - Current
- Conducted examinations of financial institutions for compliance with banking regulations, including BSA/AML and lending policies, identifying key areas for improvement.
- Evaluated risk management practices, capital adequacy, and governance structures, delivering detailed reports with actionable recommendations to senior leadership.
- Performed stress testing and financial modeling to evaluate institutional resilience during economic downturns, informing risk mitigation strategies.
- Trained and mentored junior examiners, improving examination accuracy and fostering a culture of continuous learning.
Financial Institution Examiner
State of Minnesota Department of Commerce
Saint Paul, Minnesota
01.2023 - 06.2024
- Promoted to examiner in-charge for exceeding expectations in communication and analysis skills.
Personal Banker
Wells Fargo
Duluth & Minnetonka , MN
01.2022 - 01.2023
- Cultivated relationships with five to eight clients daily, delivering tailored financial solutions including loans and lines of credit.
- Managed wire transfers and SBA transactions while maintaining adherence to banking protocols.
- Oversaw teller line operations by executing or approving complex transactions to ensure accuracy.
- Diligently followed procedures to mitigate risk while escalating issues to stakeholders for compliance.
Education
MBA - Finance
Saint Cloud State University
Saint Cloud, MN04-2026
Master of Science - Finance
University of Minnesota
Minneapolis, MN05-2022
Skills
- Regulatory compliance
- Risk assessment
- Credit analysis
- Financial analysis
- Financial modeling
- Performance evaluation
- Client relationship management
Timeline
Financial Institution Examiner In-Charge
State of Minnesota Department of Commerce
07.2024 - Current
Financial Institution Examiner
State of Minnesota Department of Commerce
01.2023 - 06.2024
Personal Banker
Wells Fargo
01.2022 - 01.2023
MBA - Finance
Saint Cloud State University
Master of Science - Finance
University of Minnesota