Pamela Carpenter
Waco,TX
Summary
Accomplished compliance and risk management professional with over 25 years leading regulatory compliance, risk mitigation, and operational oversight in banking and retirement services. Recognized for building compliance programs, enhancing regulatory examination outcomes, and advising executive leadership on strategic compliance solutions.
Overview
1
1
Certification
27
27
years of professional experience
Work History
Compliance Manager
STRATA TRUST COMPANY
Waco, Texas
01.2022 - Current
- Led implementation and ongoing management of the Beneficiary Concierge program supporting beneficiary IRA administration during significant regulatory changes resulting from the SECURE Act environment.
- Provide compliance oversight and strategic regulatory guidance for self-directed IRA and retirement services operations, partnering with business leaders to manage compliance risk and maintain regulatory readiness.
- Oversaw organization's compliance program, providing regulatory guidance to operational departments and ensuring adherence to regulations.
- Serve as a trusted advisor on self-directed IRA, beneficiary IRA, and retirement-services compliance matters.
- Developed and delivered compliance training programs that enhanced operational teams' understanding and commitment to compliance culture.
- Conducted compliance reviews and coordinated with external auditors, ensuring regulatory readiness and facilitating timely remediation of identified issues.
- Partner with operational leaders to develop compliant processes and improve operational efficiency while supporting client service objectives.
Compliance Officer & CRA Officer
SECURITY STATE BANK
Farwell, Texas
01.2002 - 01.2020
- Created the bank's Compliance Department and Compliance Management System from inception, establishing policies, monitoring, training, reporting, and risk-management frameworks that supported regulatory compliance for nearly two decades.
- Built and directed the bank's compliance function while providing strategic oversight of regulatory compliance, risk management, internal controls, examiner relations, and policy governance.
- Achieved and maintained strong FDIC and state examination results for approximately 20 years through proactive compliance monitoring, policy governance, and risk-management oversight.
- Monitored and interpreted regulatory developments impacting lending, deposit operations, BSA/AML, privacy, consumer protection, and CRA compliance, ensuring timely updates to compliance strategies.
- Designed and implemented customer identification and due-diligence processes, enhancing compliance and strengthening enterprise risk-management practices across the organization.
- Directed compliance activities through two major core-processing system conversions while maintaining operational continuity and regulatory compliance.
- Advised executive management on regulatory developments and compliance risks, guiding policy implications that shaped organizational operations and mitigated potential compliance issues.
- Served as primary liaison with auditors and regulatory agencies throughout a 20-year compliance leadership career.
- Developed and delivered employee training programs that enhanced compliance awareness and strengthened organizational accountability.
Trust Officer
SECURITY STATE BANK
Farwell, Texas
01.2000 - 01.2020
- Led selection and implementation of the department's first trust accounting software platform, replacing manual ledger processes and improving operational efficiency.
- Administered trust operations, provided fiduciary support, ensured compliance oversight, and led operational initiatives for bank's trust department.
- Established comprehensive trust documentation and records-management processes that improved consistency, accessibility, and examination readiness.
- Contributed to sustained improvement in trust department examination outcomes through enhanced controls, documentation standards, and fiduciary oversight.
- Facilitated management decisions on trust operations, account administration, and fiduciary responsibilities to enhance departmental effectiveness.
Education
Master of Jurisprudence (MJ) - Compliance & Risk Management
Texas A&M University School of Law
Bachelor of Business Administration -
West Texas State University
Skills
- Regulatory compliance management
- Enterprise risk management
- Governance and policy oversight
- Board and executive reporting
- Retirement and trust compliance
- Self-directed IRA compliance
- Compliance management systems
- Regulatory examinations
- Risk assessment and mitigation
- Internal audit coordination
- Strategic planning
- Organizational change leadership
- Compliance training and development
- Regulatory relations
- Operational risk management
Education And Professional Credentials
- Master of Jurisprudence (MJ), Compliance & Risk Management, Texas A&M University School of Law
- Certified Regulatory Compliance Manager (CRCM)
- Self-Directed IRA Professional (SDIP)
- Bachelor of Business Administration, West Texas State University
Governance And Leadership Highlights
- Built and led a comprehensive compliance management system from inception, creating governance structures that supported long-term regulatory success.
- Advised executive leadership on regulatory compliance, governance, risk management, and policy matters.
- Partnered with auditors, regulators, and operational leaders to strengthen compliance oversight and organizational effectiveness.
- Developed expertise in BSA/AML, OFAC, Regulation E, Privacy, CRA, Fair Lending, Self-Directed IRAs, Beneficiary IRAs, Trust Operations, and Compliance Risk Management.
Branding Recommendation
Change your title line from 'Senior Compliance & Risk Leader' to 'Compliance & Risk Executive | Banking, Trust & Retirement Services.' It's accurate, forward-looking, and aligns directly with the CCO and Chief Compliance & Risk Officer roles you are targeting.
Credentials
- MJ
- CRCM
- SDIP
Executive Leadership Competencies
- Regulatory Compliance Management
- Enterprise Risk Management
- Governance & Policy Oversight
- Board & Executive Reporting
- Retirement & Trust Compliance
- Self-Directed IRA Compliance
- Compliance Management Systems
- Regulatory Examinations
- Risk Assessment & Mitigation
- Internal Audit Coordination
- Strategic Planning
- Organizational Change Leadership
- Compliance Training & Development
- Regulatory Relations
- Operational Risk Management
Professional Highlights
- 25+ years of compliance, risk management, trust administration, and retirement services experience.
- Built a bank compliance department and compliance management system from inception, successfully managing and enhancing the program for nearly 20 years.
- Maintained strong FDIC and state examination results throughout a 20-year compliance leadership career.
- Directed compliance initiatives through two major core banking system conversions while maintaining operational continuity and regulatory compliance.
- Lead compliance oversight for banking, trust, self-directed IRA, and beneficiary IRA operations.
- Earned Master of Jurisprudence in Compliance & Risk Management and achieved CRCM and SDIP professional designations.
Certification
- Certified Regulatory Compliance Manager (2020 - Present)
Self-Directed IRA Professional Certification (2025 – Present)
Timeline
Compliance Manager
STRATA TRUST COMPANY
01.2022 - Current
Compliance Officer & CRA Officer
SECURITY STATE BANK
01.2002 - 01.2020
Trust Officer
SECURITY STATE BANK
01.2000 - 01.2020
Master of Jurisprudence (MJ) - Compliance & Risk Management
Texas A&M University School of Law
Bachelor of Business Administration -
West Texas State University