Compliance Specialist Lead Resume

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Compliance Specialist Lead Resume Bianca Melendez Compliance Specialist Lead (704) 555-7631 bianca.melendez@example.com linkedin.com/example/biancamelendez Charlotte, NC 28202 STRENGTHS Risk Based Testing A difficult review became clearer after linking sample results with process evidence, giving leaders practical findings and next steps. Regulatory Translation Business partners gained confidence when complex lending requirements became plain control decisions they could apply during product work. Complaint Insight Recurring customer concerns often reveal more than isolated cases, so complaint themes guide focused reviews and useful remediation. Governance Reporting Concise dashboards helped committees see open risks, aging actions, and decisions needing attention without sorting through dense detail. Credible Challenge Partners welcomed practical alternatives when regulatory concerns surfaced, preserving customer outcomes without weakening compliance expectations. SKILLS Compliance Management Systems Consumer Lending Compliance Banking Compliance Personal Loans Auto Loans Credit Cards Compliance Monitoring Regulatory Change Management Complaints Management Customer Due Diligence Financial Crimes Compliance Risk Assessment Corrective Action Oversight Governance Reporting Regulatory Interpretation LANGUAGES English Native 40 Spanish Proficient 30 MY CAREER 10.9 Years Director, Consumer Compliance at Blue Ridge Consumer Bank (3.7 Years) Senior Compliance Manager at Piedmont Lending Group (2.8 Years) Compliance Manager at Carolina Community Bank (2.7 Years) Senior Compliance Analyst at First Carolina Credit Union (1.8 Years) SUMMARY Compliance leader with more than 11 years supporting regulated financial services , consumer lending , banking, financial crimes , risk assessment, and Compliance Management Systems. Leads monitoring and testing from scoping through evidence review, findings, corrective action, validation, and governance reporting. Interprets lending and banking requirements for personal loans, auto lending, credit cards, and related consumer credit products, then converts obligations into practical controls for products, operations, and launch decisions. Advises product, operations, legal, risk, and technology partners with sound judgment and credible challenge. Builds dashboards, metrics, complaint trends, regulatory change reports, and committee materials that clarify emerging risk and remediation status. Experience with customer due diligence, complaints oversight, regulatory change management , and financial crimes activities supports clear decisions, accountable execution, and effective compliance governance. EXPERIENCE Director, Consumer Compliance Blue Ridge Consumer Bank January 2023 - Present Charlotte, NC Directs Compliance Management System oversight for personal lending, auto finance, and credit card activities. Sets monitoring priorities, guides regulatory change implementation, oversees complaints and customer due diligence , and presents risk information to senior leaders and governance committees. Set CMS priorities for personal lending, auto finance, and credit card product changes. Directed risk based testing from scope development through evidence review and corrective action closure. Converted regulatory developments into impact assessments, owners, implementation plans, and governance decisions. Connected complaint trends with control reviews, customer concerns, and targeted remediation decisions. Presented dashboards, metrics, testing results, and unresolved dependencies to senior governance committees . Advised product, operations , legal, risk, and technology partners on due diligence requirements. Senior Compliance Manager Piedmont Lending Group March 2020 - December 2022 Raleigh, NC Managed compliance oversight for unsecured personal loans and auto lending. Built risk based monitoring plans, led testing engagements, maintained regulatory change inventories, and translated review results into practical remediation and governance actions. Converted lending requirements into controls for servicing, disclosures, complaints, and customer communications. Built annual monitoring plans using product risk , complaints, findings, and operational changes. Traced regulatory obligations through procedures and transaction evidence during testing engagements. Produced defensible findings with practical corrective action recommendations for business owners. Maintained regulatory change inventories and documented implementation decisions with accountable teams. Prepared governance reporting on testing outcomes, remediation, complaint trends, and emerging issues. Compliance Manager Carolina Community Bank June 2017 - February 2020 Greensboro, NC Oversaw consumer compliance reviews for credit card and retail lending operations. Investigated complaint themes, supported customer due diligence reviews, documented control weaknesses, and coached analysts on testing quality and constructive business engagement. Evaluated credit card procedures, disclosures, servicing practices, and control execution against requirements. Investigated complaint patterns and coordinated root cause analysis with business owners. Documented transaction testing exceptions, risk implications, and remediation expectations for leadership. Connected onboarding practices, escalation procedures, and records to due diligence requirements. Prepared committee materials summarizing risk themes, remediation status, and leadership decisions. Coached analysts on testing methods, evidence standards, findings writing, and partner engagement. Senior Compliance Analyst First Carolina Credit Union July 2015 - May 2017 Winston-Salem, NC Executed monitoring across consumer lending and deposit operations while researching regulatory requirements, tracking implementation actions, reviewing complaints, and supporting corrective action reporting for management. Reviewed lending transactions, procedures, disclosures, and communications for regulatory adherence. Researched banking rules and documented interpretations for operational questions and escalations. Tracked regulatory updates with deadlines, affected processes, and required control changes. Analyzed complaints for regulatory significance and recurring themes affecting monitoring priorities. Validated corrective action evidence and maintained accurate status for management reporting. Built foundational CMS knowledge through lending operations, risk assessment, and advisory work. PROJECTS Consumer Credit CMS Integration 2024 Integrated monitoring, complaints, regulatory change, and customer due diligence inputs into governance reporting for consumer credit products. Clear ownership improved review visibility and remediation follow through. Risk Based Testing Framework 2021 Created a practical testing framework for personal loans and auto lending. Product risk, complaint themes, findings, and operational changes shaped annual review coverage. LEADERSHIP & AWARDS Senior Mentor, Consumer Compliance Mentoring Program, 2022 to Present Certified Regulatory Compliance Manager, recognized credential earned in 2019 Certified Anti Money Laundering Specialist, recognized credential earned in 2021 EDUCATION Bachelor of Science in Business Administration University of North Carolina at Charlotte GPA: 0 2015 Charlotte, NC Coursework: Consumer lending, financial management, business law, risk management CERTIFICATIONS Certified Regulatory Compliance Manager 2019 Certified Anti Money Laundering Specialist 2021 TECHNICAL SKILLS Compliance Management Systems: CMS governance, monitoring programs, compliance testing Consumer Lending Products: Personal loans, auto loans, credit cards Regulatory Requirements: Lending regulations, banking regulations, regulatory interpretation Monitoring and Testing: Risk based testing, evidence review, findings documentation Regulatory Change: Change inventories, impact assessments, implementation plans Complaints Management: Complaint oversight, trend analysis, root cause analysis Customer Due Diligence: Customer due diligence, onboarding reviews, escalation procedures Financial Crimes: Financial crimes compliance, AML controls, transaction review Risk Management: Risk assessment, compliance risk, issue escalation Governance Reporting: Dashboards, metrics, committee materials Corrective Actions: Remediation tracking, management responses, closure validation Lending Operations: Servicing, disclosures, customer communications Business Applications: Product advisory, launch decisions, operating processes Stakeholder Advisory: Business partners, legal partners, technology partners Professional Credentials: CRCM, CAMS, compliance governance SKILLS Compliance Management Systems Consumer Lending Compliance Banking Compliance Personal Loans Auto Loans Credit Cards Compliance Monitoring Regulatory Change Management Complaints Management Customer Due Diligence Financial Crimes Compliance Risk Assessment Corrective Action Oversight Governance Reporting Regulatory Interpretation PROFESSIONAL AFFILIATIONS Member, Financial Services Compliance Roundtable, 2020 to Present Senior Mentor, Consumer Compliance Mentoring Program, 2022 to Present LANGUAGES English (Native) Spanish (Proficient) ADDITIONAL INFORMATION Work Status : Authorized to work in United States. No sponsorship required. ADDITIONAL INFORMATION Work Status : Authorized to work in United States. No sponsorship required. REFERENCES AVAILABLE ON REQUEST

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