Summary
Overview
Work History
Education
Skills
Affiliations
Timeline
RI Mortgage Bankers Association
Generic

Thomas Vekeman

Warwick,RI

Summary

Dynamic Compliance Officer with a proven track record at Citizens Bank, excelling in compliance monitoring and policy analysis. Expert in document review and auditing processes, I have successfully enhanced operational efficiency and ensured regulatory adherence. Strong collaborator and trainer, dedicated to fostering a culture of excellence in service delivery.

Overview

47
47
years of professional experience

Work History

Compliance Officer

Citizens Bank
12.2015 - 06.2025

Review of consumer complaints for determination of Regulatory Compliance for all consumer business product lines.

Contractor

Ranstad USA
05.2015 - 12.2015

Re-wrote credit dispute policies for all consumer business product lines.

Advanced bank reporting of consumer information to third party agencies.

Business Customer Service Representative

Santander Bank
02.2014 - 04.2015
  • Collaborated with cross-functional teams to streamline service processes and improve operational efficiency.
  • Trained new staff on customer service protocols and best practices to ensure consistency in service delivery.

MARC Customer Service Associate

Bank of America
03.2009 - 02.2014
  • Processed transactions accurately, ensuring compliance with banking regulations and policies.
  • Collaborated with team members to streamline operations, improving service delivery time.
  • Maintained a high level of product knowledge, providing accurate information to customers.

Senior Account Executive

Nationstar Mortgage/Centex Home Equity
01.2001 - 08.2008
  • Prepared comprehensive proposals and presentations, effectively communicating value propositions to stakeholders.
  • Mentored junior account executives, fostering professional development and teamwork within the department.
  • Collaborated with marketing teams to design targeted campaigns that increased brand visibility and engagement.
  • Managed complex negotiations, ensuring favorable terms while aligning with organizational objectives.

Sales and Finance Representative

Herb Chambers of Warwick
04.2000 - 12.2000
  • Processed financial transactions efficiently, ensuring compliance with company policies and regulations.
  • Assisted customers with inquiries, providing accurate information regarding financing options.
  • Assisted customers with inquiries, providing accurate information regarding financing options and payment
  • Collaborated with sales team to streamline financing processes, enhancing customer satisfaction and experience.
  • Followed sales process with individual customers taking them from selection to financing to closure.

Regional Commercial Manager

The Money Store
05.1998 - 02.2000
  • Led regional sales strategies to enhance market penetration and revenue growth.
  • Managed relationships with key clients to maintain and expand portfolio offerings.
  • Analyzed market trends to inform strategic decision-making and product positioning.
  • Managed all of New England and New York, except for the City and Long Island.

Commercial Loan Officer

Financial Enterprises
04.1996 - 03.1998
  • Evaluated commercial loan applications for creditworthiness and risk assessment.
  • Structured loan agreements in compliance with regulatory standards and company policies.
  • Developed relationships with clients to understand financial needs and provide tailored solutions.
  • Coordinated with underwriting teams to facilitate timely loan processing and approvals.
  • Developed relationships with additional commercial funding sources.

Owner

Mortgage Bankers Mortgage Corp.
01.1990 - 03.1996
  • Commercial Mortgage Brokerage operation.
  • Established strong vendor relationships to optimize supply chain processes and reduce costs.
  • Implemented marketing strategies that increased brand visibility and customer engagement.
  • Managed a small commercial loan portfolio.

Managing Partner

American Financial Services Inc.
03.1994 - 02.1996
  • Led strategic initiatives to enhance financial service offerings and client engagement.
  • Developed and implemented operational frameworks to improve efficiency in service delivery.
  • Mentored junior partners, fostering professional development and enhancing team performance.
  • Residential Mortgage Brokerage operation with 2 locations and 14 employees.

Vice President

Security Mortgage Corporation
02.1985 - 12.1990
  • Manage broker relationships for origination of non-conforming residential mortgages.
  • Managed the entire commercial loan process from origination to processing to closure and funding.
  • Developed and executed long-term business strategies driving revenue growth and market expansion.
  • Reviewed all residential and commercial property appraisals to ensure compliance with secondary market standards.

Commercial Loan Officer

Colonial Bank
08.1984 - 01.1985
  • Analyzed market trends to identify opportunities for business growth and competitive positioning.
  • Streamlined loan documentation processes, enhancing efficiency and reducing turnaround times.
  • Generated a high volume of quality referrals through strategic networking within the business community.
  • Led cross-functional meetings to align strategies, address challenges, and drive operational improvements.

Assistant Branch Manager

Avco Financial Services
10.1983 - 03.1984
  • Supervised daily branch operations to ensure efficiency and compliance with company policies.
  • Led staff training programs to enhance team performance and customer service skills.
  • Developed and implemented strategies to improve branch productivity and customer satisfaction.
  • Analyzed sales reports to identify trends and inform operational adjustments for better outcomes.

Branch Manager

Norwest Financial
10.1979 - 09.1983
  • Led branch operations to ensure alignment with corporate strategies and objectives.
  • Developed and implemented training programs to enhance staff performance and customer service skills.
  • Analyzed financial reports to identify trends, measure performance, and recommend improvements.
  • Fostered relationships with key clients to enhance satisfaction and drive repeat business.

Property Management Trainee

Picerne Properties
06.1978 - 08.1979
  • Assisted in daily operations and administrative tasks to enhance team efficiency.
  • Coordinated property management activities, ensuring compliance with company policies.
  • Developed and maintained strong relationships with tenants to improve satisfaction levels.
  • Participated in training sessions to learn best practices in property management and customer service.

Education

Associate of Science - Business

Community College of Rhode Island
Warwick, RI
05.1978

High School Diploma - None Specific

Smithfield High School
Smithfield, RI
05.1975

Skills

  • Compliance monitoring
  • Document review
  • Auditing processes
  • Internal audits
  • Regulations enforcement
  • Policy analysis

Affiliations

MBA of

Timeline

Compliance Officer

Citizens Bank
12.2015 - 06.2025

Contractor

Ranstad USA
05.2015 - 12.2015

Business Customer Service Representative

Santander Bank
02.2014 - 04.2015

MARC Customer Service Associate

Bank of America
03.2009 - 02.2014

Senior Account Executive

Nationstar Mortgage/Centex Home Equity
01.2001 - 08.2008

Sales and Finance Representative

Herb Chambers of Warwick
04.2000 - 12.2000

Regional Commercial Manager

The Money Store
05.1998 - 02.2000

Commercial Loan Officer

Financial Enterprises
04.1996 - 03.1998

Managing Partner

American Financial Services Inc.
03.1994 - 02.1996

Owner

Mortgage Bankers Mortgage Corp.
01.1990 - 03.1996

Vice President

Security Mortgage Corporation
02.1985 - 12.1990

Commercial Loan Officer

Colonial Bank
08.1984 - 01.1985

Assistant Branch Manager

Avco Financial Services
10.1983 - 03.1984

Branch Manager

Norwest Financial
10.1979 - 09.1983

Property Management Trainee

Picerne Properties
06.1978 - 08.1979

Associate of Science - Business

Community College of Rhode Island

High School Diploma - None Specific

Smithfield High School

RI Mortgage Bankers Association

Past President

Thomas Vekeman