Melanie Garman

About Melanie Garman

As a certified compliance specialist, I lead best practice compliance programs for domestic and international banks. STRENGTHS & EXPERTISE:Community Reinvestment Act, fair lending, UDAAP and corporate social responsibility. Achieved consecutive large bank Outstanding CRA ratings for 25 years. Regulatory compliance strategy for consumer and mortgage lending; deposits, operations and marketing; product development.Process management; Lean Six Sigma certified. Compliance risk assessments for complex and high risk banks.Regulatory change management.Training and presentations.Compliance testing, reporting and remediation. Program design, launch and managementPolicies, procedures and practices Regulatory relations and exam management

Experience

1. Sr Compliance Group Manager, Community Development

   TD

   Jan 2021 — Present · Coral Gables, FL, US

   Community Development and CRA Compliance

Education

• American Bankers Association

  Graduate School of Compliance Risk Management

• American Bankers Association

  National Compliance School

• Florida State University

  Bachelor of Arts (B.A.), English

Skills

• Compliance Regulations
• Ofac
• Commercial Banking
• Program Management
• Leadership
• Compliance Monitoring
• Credit Risk
• Risk Assessment
• Wealth Management
• Sarbanes-Oxley Act
• Investments
• U.s. Office of Foreign Assets Control (Ofac)
• Financial Services
• Employee Training
• Operational Risk
• Banking Operations
• Management
• Anti Money Laundering
• Portfolio Management
• Operational Risk Management
• Loans
• Banking
• Risk Management
• Finance
• Fraud
• Training
• Corporate Governance
• Mortgage Lending
• Financial Risk
• Cra and Community Development
• Regulatory Relations
• Kyc
• Regulatory Compliance
• Bank Secrecy Act and Ofac Expert
• Process Improvement
• Enterprise Risk Management
• Strategic Planning
• Financial Analysis
• Retail Banking
• Due Diligence