TIERNEY MITCHELL

Dynamic risk management professional with extensive experience at Wells Fargo, excelling in compliance oversight and control development. Proven track record in enhancing operational efficiency and successfully closing over 100 issues. Strong analytical thinking and relationship-building skills drive strategic improvements in credit risk and regulatory compliance.

• WELLS FARGO, Virginia Beach, VA, Lead Control Officer, 01/2017, 01/2026, Partnered with departmental leaders to identify and mitigate compliance and operational risks., Conducted thorough reviews of process models to identify controls to mitigate risk to an acceptable level., Developed internal and external controls and control procedures., Engaged in all regulatory surveys and audits, ensuring compliance and readiness for inspections., Conducted annual reviews of policies and procedures to ensure relevance and compliance., Developed over 50 controls to mitigate risk in the consumer/credit bureau reporting and dispute processes., Successfully facilitated and passed multiple Risk Control Self Assessment (RCSA) workshops., Supported the Issue Management lifecycle for over 100 issues that were closed successfully., Supported the closure of over 20 Regulatory items.
• CAPITAL ONE, Virginia Beach, VA, Principal Process Manager, 05/2012, 01/2017, Supported the integration of HSBC credit card division into existing Capital One credit policies through multiple., Managed policy intent for credit bureau Disputes to ensure compliance with FCRA and other applicable guidelines., Consulted with Lines of Business to provide intent guidance for processing Credit Bureau Disputes as well as Metro 2 credit bureau reporting., Managed internal monitoring and controls for eOscar use at the Enterprise level., Managed monitoring and controls for the credit bureau reporting and dispute processes., Delivered initiatives designed to improve credit bureau reporting and dispute response accuracy., Managed multiple credit bureau reporting and dispute enhancements., Successfully supported projects aligning to Capital One's corporate initiative including Best Buy Deconversion, HSBC De-conversion and C2 De-conversion., Participated & Passed the CFPB Audit of US Card Metro2 Outbound Credit Bureau Reporting., Performed quality reviews on credit bureau dispute responses and provided intent and process recommendations based on findings.
• HSBC, Virginia Beach, VA, Relationship Manager, 12/2008, 05/2012, Support credit policy, risk, and credit bureau projects., Advise business, legal, policy, and compliance departments on credit-related issues., Evaluate strategies for account origination, credit limit management, customer relationships, account profitability, attrition, and collections., Collaborate with upper management on system and strategy development for credit risk management, as well as consulting on account monitoring techniques., Develop and maintain relationships with credit reporting agencies., Maintain in-depth knowledge of Metro 2 reporting format., Ensure compliance with best practices for credit bureau reporting., Managed credit bureau data | Metro 2 projects for internal customers for development of credit bureau scoring and modeling initiatives., Assisted in the management of internal credit bureau attribute creation and development., Performed analysis on internal credit bureau attributes in relation to industry announcements or changes of reporting requirements.
• HSBC, Virginia Beach, VA, SR Quality Assurance Control Specialist/Credit Bureau Reporting and Dispute Liaison, 11/2001, 12/2008, Managed credit bureau reporting quality and projects., Ensured compliance with operational risk controls, company policies, and regulatory standards., Reviewed and recommended potential enhancements for controls., Maintained updated knowledge of business and regulatory changes., Reported compliance issues, opportunities for improvement, and operational loss events., Successfully managed conversion project to move credit bureau reporting platform from Metro 1 to Metro 2., Maintained all team quality and compliance goals while managing the credit bureau dispute team for nine months.
• HOUSEHOLD, Chesapeake, VA, Underwriter, 05/1998, 11/2001, Reviewed customer credit reports and applied policies to extend credit for unsecured loan products., Evaluated credit decision appeals from branch offices., Assisted other Underwriters in issues relating to credit decisions., Exceeded underwriting goals and was consistently a lead performer., Successfully managed escalated credit reviews.
• HOUSEHOLD, Chesapeake, VA, Collections Specialist, 03/1996, 05/1998, Maintained client accounts and collected delinquent payments., Successfully handled customer calls daily, assisting with loss mitigation and financial education., Assisted customers with developing payment plans including settlements and hardship programs.