Rachel Montoya
Ephrata ,Pennsylvania
Summary
Adept at navigating complex compliance landscapes, I spearheaded regulatory adherence and risk management initiatives at Customers Bank, significantly enhancing operational compliance. My expertise in compliance monitoring and proven ability to lead teams through rigorous internal audits underscore my commitment to excellence and ethical management.
Overview
20
20
years of professional experience
Work History
Compliance Officer - Loan Advisor
Customers Bank
09.2022 - Current
- Maintained up-to-date knowledge of current and emerging compliance regulations.
- Responded to employee inquiries regarding compliance regulations and procedures via email and monthly touch point meetings with departments.
- Prepared and submitted regulatory filings in timely manner including CRA performance, New Product Testing Compliance data, etc.
- Developed and maintained compliance database, tracking all compliance activities and documents, where I Identified, investigated and documented compliance violations and recommended corrective measures.
- Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
- Conducted reviews on credit-based, deposit-based, and general advertising for customer-facing ads, which included due diligence on third-party submissions.
Credit Risk Review Associate
Ephrata National Bank
08.2018 - 09.2022
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Supported review, acceptance, or denial of new or renewal business after carefully reviewing all information.
- Assisted in developing training materials used to educate new hires on essential job functions, contributing to their successful onboarding and integration into the team.
Assistant Branch Manager (Interim Manager)
Bank Of Bird-in-Hand
08.2018 - 08.2020
- Supported the Branch Manager with daily tasks, ensuring smooth branch functioning and effective communication amongst team members.
- Trained and developed new team members in alignment with branch service standards and objectives.
- Monitored daily branch activities, quickly identifying areas requiring improvement or corrective action to maintain operational excellence.
- Oversaw successful completion of internal audits with minimal findings, demonstrating strong adherence to bank policies and regulations.
Branch Banker III (Interim Branch Manager)
Branch Banking & Trust, BB&T (Susquehanna Bank)
Lancaster, PA, PA
12.2004 - 11.2018
- Worked well in a team setting, providing support and guidance.
- Optimized branch performance by analyzing key metrics and implementing targeted action plans.
- Strengthened client relationships, offering tailored financial advice to meet individual needs.
- Successfully resolved escalated customer complaints resulting in improved reputation management and retention rates.
- Mentored junior bankers, fostering professional growth and development through coaching sessions.
- Ensured compliance with bank policies and regulatory requirements to maintain a secure environment.
- Reduced teller error rates through thorough training programs focused on accuracy when handling cash transactions.
- Developed new business opportunities through participation in community events, networking, and referrals from satisfied customers.
Education
High School Diploma -
Dr. Carlos Gonzalez Escuela Superior
Aguada, PR06.2004
Skills
- Compliance Monitoring
- Document Review
- Auditing processes
- Internal Audits
- Regulatory knowledge
- Ethics management
- Compliance reviews
- Policy analysis
- Risk Management
- Reporting Requirements
- Controls Tests
Languages
English
Full Professional
Spanish
Full Professional
Timeline
Compliance Officer - Loan Advisor
Customers Bank
09.2022 - Current
Credit Risk Review Associate
Ephrata National Bank
08.2018 - 09.2022
Assistant Branch Manager (Interim Manager)
Bank Of Bird-in-Hand
08.2018 - 08.2020
Branch Banker III (Interim Branch Manager)
Branch Banking & Trust, BB&T (Susquehanna Bank)
12.2004 - 11.2018
High School Diploma -
Dr. Carlos Gonzalez Escuela Superior
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