Mollie Frazer
Wentzville,MO
Summary
Senior Risk & Compliance Specialist with extensive experience in executing risk assessments and validating internal controls. Known for spearheading remediation initiatives and authoring executive-level reports that challenge business practices, enhancing compliance and operational efficiency across the enterprise.
Overview
15
15
years of professional experience
Work History
Senior Independent Testing Specialist
Wells Fargo Bank
St. Louis, MO
02.2024 - Current
- Spearheaded Consumer Lending testing, confirming full remediation of prior regulatory findings and audit issues.
- Led complex, risk-based reviews across enterprise, validating design and operating effectiveness of internal controls.
- Utilize SQL and SAS to extract and analyze high-volume datasets, identifying technical system anomalies and emerging risk trends for senior leadership.
- Author comprehensive workpapers and executive-level reports, providing credible challenge to business units to influence long-term process improvements.
- Partnered with cross-functional stakeholders to negotiate risk mitigation strategies, ensuring adherence to industry standards.
Independent Testing Specialist
Wells Fargo Bank
St. Louis, MO
09.2022 - 02.2024
- Spearheaded Consumer Lending testing, confirming full remediation of prior regulatory findings and audit issues.
- Led complex, risk-based reviews across enterprise, validating design and operating effectiveness of internal controls.
- Utilize SQL and SAS to extract and analyze high-volume datasets, identifying technical system anomalies and emerging risk trends for senior leadership.
- Partner with cross-functional stakeholders to negotiate risk mitigation strategies and ensure adherence to industry standards.
- Authored comprehensive workpapers and executive-level reports, challenging business units to drive long-term process improvements.
Assistant Compliance Officer
Bank of Old Monroe
Old Monroe, MO
06.2021 - 09.2022
- Designed and delivered annual regulatory training (CTR/SAR, Reg CC) for all branch staff, enhancing compliance scores.
- Managed comprehensive review of new customer CIP and due diligence via Verafin, ensuring zero month-end deficiency carryover.
- Audited Freddie Mac HMDA loans and streamlined reporting workflows using Questoft, ensuring complete file accuracy.
- Determined eligibility for CRA credit and maintained documentation for board-level reporting.
Compliance Specialist
First Community Credit Union
Chesterfield, MO
09.2013 - 06.2021
- Developed and implemented compliance policies and procedures for garnishments, levies, and bankruptcy filings across the enterprise.
- Coordinated identification and recovery of losses from fraudulent activity, serving as primary liaison for law enforcement and acting as expert witness in court.
- Conducted forensic audits on 1,500+ commercial accounts monthly, including non-profits and political campaigns.
Bank Teller
BMO Harris Bank
Des Peres, MO
05.2011 - 09.2013
Skills
- Test strategy development
- Automated testing frameworks
- Automated test design
- Continuous integration
- Quality assurance principles
- Risk assessment
- Internal controls
- Compliance reporting
- Process improvement
- Attention to detail
- Problem solving
- Critical thinking
- Cross-functional collaboration
- Stakeholder engagement
- Team collaboration
- Effective communication
- Adaptive testing
Timeline
Senior Independent Testing Specialist
Wells Fargo Bank
02.2024 - Current
Independent Testing Specialist
Wells Fargo Bank
09.2022 - 02.2024
Assistant Compliance Officer
Bank of Old Monroe
06.2021 - 09.2022
Compliance Specialist
First Community Credit Union
09.2013 - 06.2021
Bank Teller
BMO Harris Bank
05.2011 - 09.2013