Jennifer Gaines Johnson, CRCM

Experience

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  Amegy Bank

  Aug 2004 - May 2007

  Wrote policy and procedures for various departments. Trained new employees to become a Retail Banking Center Liaison. Implemented the new Internet Banking Center. Responsible for centralized support of banking center personnel regarding compliance, legal, policy and procedure, and operational issues. Acted as a liaison between banking centers, technical help desk, and back office departments to facilitate, and expedite the resolution of technical issues. Analyzed and responded to more complex inquiries involving a higher level of understanding of legal issues and documentation. Performed leadership and supervisory experience to other employees in the group. Show less

  • Banking Center Liaison I

    Mar 2006 - May 2007

  • Teller/Management Trainee

    Aug 2004 - Mar 2006
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  Woodforest National Bank

  May 2007 - Aug 2011

  Managed the self-assessment and audit reporting of various business units, which are applicable to the various compliance regulations and laws. Performed a compliance review for all new consumer and business products, not limited to marketing brochures, account disclosures, and technology tables. Managed the department’s Business Continuity Plan, Procedures, and Documents. Managed projects coordinated with Senior Management, Legal Department, Product Development, Information Technology, and Business Analysts to assess and implement changes due to legal, industry, or regulatory changes. Managed the compliance function of the quarterly technology releases with various business units and audit function of the mortgage purchase program in the secondary market. Trained business units on various components of corporate compliance policies, programs, processes, and procedures, both classroom and WebEx training. SharePoint site coordinator for the creation, development, and audit function for the Compliance and Bank Secrecy Act Departments. Show less Underwrote commercial loan transactions secured by real estate, accounts receivable, inventory or fixed assets, and unsecured loan transactions. Underwriting to include financial analysis with a concentration on cash flow analysis, collateral evaluation and an overall review of the request that results in a solid recommendation. Provided support to lending officers in structuring and analyzing potential transactions. Ensured portfolio administration tasks are completed in a timely manner (obtain updated financials, perform and document covenant tests, obtain and review borrowing base certifications for compliance, work with Credit Policy and other support team members to secure due diligence documentation). Show less

  • Compliance Specialist

    Jun 2008 - Aug 2011

  • Commercial Credit Analyst

    May 2007 - Jun 2008
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  Zions Bancorporation

  Aug 2011 - May 2014

  Assisted with the development, maintenance, and management of the compliance review program. Performed compliance testing and review all applicable products and compliance-related reporting systems. Prepared compliance reports that define the scope of the review, describe the review findings, and recommended corrective action. Prepared work papers accurately indicating the scope and results of testing performed. Reviewed, organized, and retained work papers to facilitate easy retrieval and review by a third party supporting the compliance reports produced. Chaired the review findings meetings at the conclusion of each compliance review. Participated in the annual compliance conference and other compliance committees, councils and working groups. Show less Subject Matter Expert amongst the Bancorporation that involved Electronic Banking initiatives and issues, to include Internet/Online Banking, Social Media Mediums, Mobile Banking, etc. Coordinated with the Affiliate Compliance Managers the compliance function for assigned business lines through assisting with the development and monitoring of compliance programs within the larger compliance framework developed by corporate compliance. Managed the review of all advertisements to include social media, product forms, brochures, account disclosures, pricing schedules, and rate sheets. Assisted in providing a quarterly update to regulatory agencies such as the Office of the Comptroller of the Currency (OCC). Managed the relationship between Customer Channel Management (CCM) and the Bancorp’s affiliates involving compliance related matters and new products. Managed projects coordinated with Senior Management, Legal Department, Product Development, Information Technology, and Business Analysts, specifically: Annual Privacy Notice Project, review of all new products, review of the Bancorp’s Advertising Guide, etc. SharePoint site coordinator for the creation, development, and audit function for various Compliance disclosures. Show less

  • Corporate Compliance Review Officer, CRCM

    Sept 2012 - May 2014

  • E-Banking Officer/Compliance Analyst II

    Aug 2011 - Sept 2012
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  Woodforest National Bank

  May 2014 - Apr 2015

  AVP Corporate Compliance Officer, CRCM

  Subject Matter Expert on bank regulatory compliance matters; representing the Corporate Compliance, Human Resources, Enterprise Risk Management, and Accounting Departments. Oversees the development and administration of the bank’s Compliance Management and Program Policy in conjunction with the Chief Risk Officer and Consumer Compliance Officer. Oversees the compliance review of corporate compliance related services, systems, processes, and marketing materials. Monitors progress and reviews of quality of work of direct reports; provides guidance on complex regulatory compliance issues. Manages the completion of self-assessments and addressing the compliance impact of new and updated compliance regulations and other supervisory material published. Assists in the preparation for regulatory compliance examinations and audits. Assist in developing policies, procedures, forms, training, disclosures, and other tools utilized by employees. Stays current on industry issues, practices, and trends by attending educational webinars, conferences, and schools; reads and interprets related professional articles and publications. Show less

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  Codilis & Stawiarski, P.C.

  Apr 2015 - Mar 2016

  Compliance and Audit Manager

  Review, coordinate, and complete client requests for pre-audit information, escalated matters, and responsible for a managerial representation of the firm. Ensure compliance with government regulations and client requirements while recommending improvements to process and controls. Accomplishes compliance work requirements by orienting, training, assigning, scheduling, and guiding staff and managers. Monitors work standards by following production, quality, and customer-service standards; resolving operational problems; and identifying work process improvements. Prepares for client audits by researching materials, formulating a plan of action, and completing all pre-audit requests for information. Ensure compliance with regulations and controls by examining and analyzing records, reports, operating practices, and documentation; while recommending opportunities to strengthen the internal control structure. Verify compliance by comparing written procedures to supporting documentation and monitor processes for compliance. Communicate audit progress and findings by preparing reports and providing information to the Partners and management. Create, implement, and provide staff training on compliance related topics, policies, and procedures. Stay current on industry issues, practices, and trends by attending educational webinars, conferences, and schools; reads and interprets related professional articles and publications. Show less

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  Cadence Bank, N.A.

  Mar 2016 - Nov 2018

  VP, Internal Audit Group Manager
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  USAA

  Nov 2018 - Oct 2022

  • Director, Compliance and Operational Risk Testing

    May 2020 - Oct 2022

  • Compliance Advisor Testing Lead

    Nov 2018 - Oct 2022
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  Centera Private Wealth

  Nov 2022 - now

  Director of Operations