Samantha
Van den Broek

PO BOX 70 Shamrock TX. 79079

Phone: (619) 212-6450 E-Mail:  Sammie.V@gmail.com

Education: 2019 NAFCU Compliance School 2013, 2016 CUNA Compliance School 2007 – 2011 UC San Diego 2002 – 2006 Grossmont College 2004 – 2006 Cuyamaca College 2004 Grossmont Middle College H.S. Qualifications: Certified Regulatory Compliance Manager (CRCM) National Association of Federal Credit Union (NAFCU) Compliance Officer CUNA Credit Union Compliance Expert Designation B.A. Linguistics, Minor in Law & Society Computer Literate in Microsoft Office and Google Suite

Experience:

Achieve
4/24 – 2/26 Compliance & Risk Officer (Debt Resolution)

• Provide line of business senior leaders strategic direction and guidance regarding applicable laws, rules, regulations, enterprise standards and industry best practices.
• Execute Compliance and Risk Program requirements, risk assessments, issue management, third party risk management, training, metrics, reporting and regulator change management.
• Embrace a strong risk culture, that not only identifies but provides oversight and credible challenge through escalation of existing and emerging risks and issues.
• Monitor reporting, escalation, and timely remediation of issues, deficiencies and regulatory matters.
• Provide business partners subject matter expertise to mitigate and manage compliance and operational risks and consult for projects and initiatives with moderate to high levels.
• Create strategies to effectively monitor and analyze data (i.e. complaints, quality assurance results, etc.) while identifying potential compliance and operational risk.
• Develop and recommend opportunities to improve processes that alleviate threats through policies, procedures, and job aids.
• Review marketing collateral to ensure alignment with internal guidelines.
• Assist in collecting information and responding to audit and exam requests in a timely manner.
• Provide the business through conducting root cause analyses and develop corrective action plans that effectively manage regulatory change.
• Design and coordinate the reporting, escalation, and remediation of issues, deficiencies in regulatory matters while overseeing the implementation of associated compliance and risk programs.

Reese Law Group
4/19 – 4/22: Compliance Officer

• Manage and develop Firm Compliance Management Programs to align with applicable Federal and State laws while meeting Client requirements relating to consumer collection and insurance subrogation.
• Research applicable requirements and take affirmative steps to stay informed of new and changing legislation.
• Develop, modify and communicate new and existing processes to appropriate employees, functioning as the main point of contact for questions, concerns, and suggestions relating to standards, business processes, regulations, etc.
• Ensure that appropriate employees are trained properly and held accountable for all necessary processes established to be consistently followed by all employees.
• Prepare (and present, when applicable) formal responses to requests by government officials, outside auditors, business partners, clients and regulatory groups etc.
• Present findings, recommendations, and reports to firm leadership as directed.
• Conduct internal audits of collection processes to ensure training standards are being upheld, while partnering with department heads to address deficiencies where necessary.
• Assist in overseeing accounting practices, financial reconciliations, Information Technology projects and audits.
• Networking through attending legal and compliance seminars to attract potential business partners and stay current on best practices and policies.

San Diego County Credit Union
5/17 – 3/19: Compliance Officer

• Develop and maintain ongoing management of operations, real estate, consumer lending and collections compliance.
• Provide related guidance to the business unit managers as a subject matter expert, while assisting with the ongoing development of compliance training ensuring the credit union is in compliance with all applicable federal and state laws and regulations.
• Perform ongoing monitoring of consumer, real estate loans and applicable collection accounts for compliance with operational lending laws and regulations.
• Facilitate compliance risk assessments for deposit operations, real estate, consumer lending, collections and updating compliance initiatives based on practical risk metrics.
• Analyze and interpret new laws and regulations, guidance and other regulatory developments and determine potential impact to the credit union.
• Research, resolve, and disseminate informational changes and reports of protentional compliance issues and recommendations to management.
• Prepare comparative file reviews by analyzing loan-level data for potential disparities on a prohibited basis in pricing, underwriting and affiliated aspects of credit transactions.
• Development and maintenance of credit union compliance and departmental policies and procedures.
• Monitor regulatory trends and best practices in compliance risk management and make recommendations on strengthening compliance and minimizing future risk.
• Quarterly reporting of the complaints program, trends and root cause analyses to the credit union’s management.
• Serve as a liaison between the credit union and outside compliance vendors.
• Perform ongoing due diligence risk assessments of third party lending, collections, and operations vendors, to include contract review and risk recommendations to management and legal teams.

North Island Credit Union
11/14 – 4/17: Compliance Administrator

• Maintain current knowledge of federal and state consumer deposit and credit regulations, including NCUA operating regulations, ADA, Reg CC, Reg D, Reg E, Reg Z, TISA, BSA, OFAC, Privacy, ESIGN, CAN-SPAM, COPPA, ECOA, HMDA, UDAAP, RESPA, TILA, FLOOD, FCRA, FDCPA SCRA, MLA and the SAFE Act.
• Ability to work independently with minimal supervision in an environment with strict deadlines possessing excellent attention to detail, exemplary writing skills, and the ability to maintain the strictest confidentiality with highly sensitive information.
• Identify and communicate regulatory compliance deficiencies, potential risks and provide guidance in the development of alternative solutions and means to implement corrective action.
• Review marketing advertisements for compliance with federal and state disclosure requirements.
• Perform BSA and Anti-Money Laundering compliance duties using AML and Fraud software including suspicious activity reporting, high risk account monitoring, and currency transaction level reporting.
• Accept subpoenas, search warrants and other legal correspondence on behalf of the organization.
• Conduct BSA training for new and existing staff.
• Conduct investigations on escalated unusual and suspicious activity related to potential fraud, money laundering, terrorist financing and other financial crimes activity.
• Maintain compliance documentation, including procedures and training materials.
• Provide recommendations to management on strategies to enhance detection of suspicious activity.
• Construct comprehensive, detailed written narratives for Suspicious Activity Reporting to support investigations in accordance with strict quality standards.
  North Island Credit Union
  2013 – 10/2014: Consumer Loan Compliance Specialist & Trainer
• Review, revise and develop credit union forms and disclosures to ensure compliance with applicable laws, rules and regulations.
• Create training materials for lending staff on procedures and processes in the lending and member service fields.
• Conduct consumer lending training for new and existing credit union staff.
• Assist in loan origination system troubleshooting and interface testing.
  North Island Credit Union
  2012 – 2013: Consumer Lending Funder
• Review and process consumer loan requests by analyzing documents, verifying collateral and ensuring stipulations are met prior to loan disbursement.
• Provide loan documents and instruction for document signing to branch members and personnel.
• Disburse loan proceeds using consumer compliance requirements (Bank Secrecy Act, OFAC, and Customer Identification Program).
  North Island Credit Union
  2011 – 2012: Member Services Specialist
• Supervision of operations staff.
• Branch balancing, audit and reconciliation of Vault and Cash Dispensers.
• Use designated authority to override or approve various transactions.
• Provide technical leadership and On-The-Job training and development of tellers while assisting with daily teller line activities.
• North Island Credit Union
• 2006 – 2010: Financial Services Representative II / Branch Services Rep.
• Quality Control of new accounts, addendums, and loan files.
• Provide financial guidance and cross-sell appropriate financial products and services to the membership.
• Develop positive rapport and maintain multiple account relationships.
• Performed Certified Notary Public services.
• Establish new loan and deposit accounts to include checking, savings, fiduciary, business, and individual retirement accounts.
  North Island Credit Union
  2005 – 2006: Teller / Tele-Service Rep II
• Handle large quantities of cash, process deposits, withdrawals, loan payments, tax payments, and other transactions.
• Tele-Service Representative at Corporate Call Center.

Imaginary Lines, University City of La Jolla
06/04 – 12/04: Sales / Inventory Management/ CSR

• Alpha and Numerical Filing and Xeroxing.
• Cash Reconciliation for Sales Merchandise.
• Process Credit Card Transactions and Refunds.
• Work as a a Cashier at Trade Shows.
• On Line sales and order processing while maintaining the inventory of merchandise.
• Help coordinate special events.
• Provide Customer Service.