Ruth Potter

Experience

1. Compliance Bsa Officer

   Great North Bank

   Aug 2024 — Present

   Develop, initiate, maintain, trained, and revise all policies and procedures for the general operation of the Compliance Program and its related activities to prevent illegal, unethical, or improper conduct.Ensure the Board of Directors, management and employees are in compliance with the rules and regulations of regulatory agencies, that company policies and procedures are being followed, and that behavior in the organization meets the company’s Standards of ConductDevelopment and implementation of the audit program and culture.Manage, perform full scope compliance audit testing including lending and deposit compliance and internal controls. Areas of emphasis include but not limited to Regulation Z, TRID, ATR/QM, HOEPA, HPML, RESPA, SAFE, FCRA, HMDA, Flood Requirements, Residential Real Estate Appraisals, BSA, AML, Regulation D, Regulation E, Regulation DD, Regulation CC, UDAAP, Fair Lending, Advertising and Social Media, and CRA just to name a few.Bank’s liaison between the regulatory agencies and various departments.Collaborate with other departments (e.g, Risk Management, HR, IT, Lending, Retail, etc.) to direct compliance issues to appropriate existing channels for investigation and resolution.Institute and maintain an effective compliance communication program for the organization, including promoting (a) use of the Compliance;(b) heightened awareness of Standards of Conduct, and (c) understanding of new and existing compliance issues and related policies and procedures.

Education

• American Bankers Association

  Certified Regulatory Compliance Manager (CRCM) Certification

  2003

• See Additional Notes.

  Banking

• Madison Area Technical College

  M.A.T.C; Business Organization

• Institute of Internal Auditors

  In the process of obtaining the Certified Independ Auditor (CIA) Certification

  2022

• Edgewood University

  Business Management and Accounting

Skills

• Operational Risk
• Internet Banking
• Portfolio Management
• Loans
• Aml
• Retail Banking
• Financial Risk
• Ofac
• Operational Risk Management
• Commercial Banking
• Financial Services
• Auditing
• Consumer Lending
• Budgets
• Finance
• Mortgage Lending
• Management
• Banking
• Risk Management
• Internal Audit
• Sales
• Bank Secrecy Act
• Credit
• Fraud
• Training
• Executive Management
• Cash Management
• Credit Analysis
• Compliance
• Small Business Lending
• Business Development
• Risk Assessment
• Financial Analysis