Summary
Overview
Work History
Education
Skills
Certification
Timeline
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TARA W. RIDLEY

Richmond

Summary

Dynamic professional in consumer and small business banking with extensive expertise in risk management, strategic decision-making, and relationship building. Demonstrated leadership abilities drive teams toward success while fostering a collaborative environment. A strong commitment to achieving organizational goals ensures alignment with business objectives and enhances overall performance. Passionate about delivering exceptional service and creating value for clients and stakeholders.

Overview

16
16
years of professional experience
1
1
Certification

Work History

Senior Compliance Tester – US Card

Capital One
04.2020 - Current
  • Responsible for executing risk-based compliance transaction testing for the purpose of independently validating business line adherence to applicable regulations, state laws and internal business procedures.
  • Execute targeted transaction testing for Consumer and Small Business compliance requirements
  • Establish and maintain strong client relationships during test engagements
  • Effectively communicate results to business areas, Risk Management Office and leadership
  • Present potential findings to Compliance Officer for grounding
  • Manage to test schedules to ensure timely delivery
  • Analyze data from multiple sources and document results
  • Systemically retain documents that substantiate test results
  • Submit test results in the system of records

Consumer Lending Business Control Testing Manager, Vice President

Truist Bank
04.2009 - 04.2020
  • Managed a team of 6 Analysts and 1 Team Lead executing business control testing for five business segments across the Consumer Banking (Originations, Servicing, Default, Bankcard and Dealer Finance). Performed ongoing internal QC reviews of analysts ensuring testing accuracy, while providing coaching and feedback. Facilitated meetings with various business partners supporting business segments.
  • Managed transition of loan level testing platform to business control testing platform in 6 months.
  • Evaluated risk of consumer business key and standard controls using established risk rating process.
  • Partnered with Compliance, Operational Risk, and other business stakeholders ensuring adherence of mandates and internal controls are operating as intended for the Consumer Banking segments
  • Ensured department teammates were trained to execute changes in test plan.
  • Coordinated results and trending information ensuring business segments were managing acceptable risk levels.
  • Developed controls test scripts for analyzing risk.
  • Drove communication between all stakeholders assessing and revising business controls for high-risk processes.
  • Drove quality improvements by identifying root causes of recurring issues and implementing corrective actions.
  • Collaborated with cross-functional teams to ensure thorough and effective test coverage.

Quality Assurance Analyst, Assistant Vice President

Truist Bank
01.2014 - 01.2016
  • Performed detailed quality assurance reviews on LOB documented procedures for multiple consumer segments. Created meeting agendas, documented meeting minutes, and assessed communication gaps.
  • Facilitated monthly calibration meetings with supported LOB presenting testing results, trending, and analysis.
  • Analyzed procedure manuals within consumer default, identifying any gaps that may exist for testing.

First Line Regulatory Control Analyst, Officer

Truist Bank
01.2011 - 01.2014
  • Performed comprehensive compliance and quality control reviews of bank originated consumer lending products to ensure compliance with federal and state regulations, within tight timeframes. Documented QC finding in written report delivered to LOB manager, Senior and Executive Management.
  • Identified compliance, credit, and operational risks and provided recommendations to compliance management.
  • Analyzed policies, procedures, and processes identifying inefficiencies and made recommendations for modification.
  • Assisted in the development or modifications of quality control programs.

Education

Master of Business Administration -

Averett University
Danville, Virginia

Bachelor of Interdisciplinary Studies - Human Resources

Virginia Commonwealth University
Richmond, Virginia

Skills

  • Risk/Compliance
  • Quality Assurance
  • Effective Communicator
  • Strong Analytics
  • Effective Leadership
  • Adaptability
  • Test execution

Certification

  • ABA Certificate in Operational Risk Management
  • FCRA Certification for Data Furnishers

Timeline

Senior Compliance Tester – US Card

Capital One
04.2020 - Current

Quality Assurance Analyst, Assistant Vice President

Truist Bank
01.2014 - 01.2016

First Line Regulatory Control Analyst, Officer

Truist Bank
01.2011 - 01.2014

Consumer Lending Business Control Testing Manager, Vice President

Truist Bank
04.2009 - 04.2020

Bachelor of Interdisciplinary Studies - Human Resources

Virginia Commonwealth University

Master of Business Administration -

Averett University

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TARA W. RIDLEY