Ruth Potter

Experience

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  Mutual Savings Bank

  Nov 1986 - Apr 1990

  Financial Service Representative

  Involved in all aspects of customer service. Ran all types of transactions, balanced cash drawer daily, opened all types of new accounts, back up to the supervisor, processed mortgage loans, received awards for outstanding customer service and telephone sales on a consistent basis.

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  TDS Computer Services

  Oct 1989 - Aug 1991

  Secretary: Employed as a clerk typist

  After four months, promoted to Secretary I. Education Coordinator for Learning Services department for one year and assumed new responsibilities in the Cellular group. Duties included: Oracle reporting for the education system and running daily reports with graphs and charts created in Harvard Graphics and LOTUS 123 spreadsheets. Worked closely with a staff of 45 utilizing PC and Mainframe systems, assisting on special projects when needed. Additional duties included: typing, Dictaphone, meeting arrangements, coordinating large mailings, ordering supplies, large copy jobs, sending faxes and answering phones. Organized special events such as United Way, American Cancer Run and holiday events. Show less

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  Certco, Inc

  Sept 1991 - Apr 1994

  Buyer/Merchandiser Assistant

  Prepare the weekly inventory report, review and make adjustments to billing statements and generate reports. Phone in daily orders to vendors. Provide customer service support, compose and type correspondence to clients and vendors. Taking/placing orders and resolving problems. Trouble shooting the billing. Compose, type and layout bi-annual product catalog. Conduct quarterly inventory.

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  First Federal Savings Bank

  Apr 1994 - Aug 2001

  Manager IV

  Managed sales efforts and activities on a daily basis by individual goal setting, coaching and counseling the sales staff. Developed staff through on-going coaching and observations to improve skills and encourage optimum performance. Establish a plan of action to attain new customer relationships and retain existing relationships, by preparing and following through with the office annual and quarterly business plans. Conduct regular meetings to keep staff informed on operations, security and sales. Interview and hire quality staff with emphasis on sales and cash handling ability. Train, develop, schedule, assign work, and review job performance. Discipline and discharge employees as needed. Direct and participate in all operations of the bank to insure that all company services are made available to customers and are processed accurately and efficiently. Ensure that the office is complying with all aspects of the audit checklist. Make judgment calls that protect First Federal, the employees and our customers against loss. Maintain complete knowledge of policies and procedures. Open all types of new accounts and perform any maintenance of existing accounts. Counsel potential consumer loan customers and annuity prospects. Prepare the office annual budget and goals. I was in this position for 3 years and 5 months. Prior to this I was an Operations Supervisor II for one year, Leadership Development for 6 months, Personal Banker II for 2 ½ years, and I started as a Teller II. Show less

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  US Bank

  Aug 2001 - Jan 2003

  Manager V

  Manager V: Manage sales efforts and activities on a daily basis by individual goal setting, coaching and counseling the sales staff. Develop staff through on-going coaching and observations to improve skills and encourage optimum performance. Direct and participate in all operations of the bank to insure that all company services are made available to customers and are processed accurately and efficiently. Interview and hire quality staff with emphasis on sales and cash handling ability. Train, develop, schedule, and assign work, review job performance, and discipline employees as needed. Conduct regular meetings to keep staff informed on operations, security and sales. Establish a plan of action to attain new customer relationships and retain existing relationships, by preparing and following through with an office business plans. Cultivate the relationship with existing Small Business customer base by personally meeting clients and further assisting with any needs. Actively prospecting potential Small Business clients, not only to build the loan portfolio, but to also increase the deposit base. Plan ahead to ensure the future business growth and development of the organization, not only the Small Business clients, but also the personal accounts. Manage the business financials to ensure the growth and capability of the bank. Project and layout the annual operating costs including capitalized and expensed items. Took an office that had not passed an internal compliance audit and passed it for the first time. We were giving three months to prepare and achieve our goal. We worked on the new compliance program that I put in place daily. Show less

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  Wisconsin Community Bank

  Jan 2003 - Aug 2004

  Vice President of Retail

  Oversaw all of the bank’s retail and operations for all locations. Developed and implemented the retail sales process and culture.

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  Park Bank- Madison

  Aug 2004 - Jul 2008

  V.P. Compliance, Security, BSA/AML Officer, and CRA Officer

  Duties at Park Bank as V.P. Compliance, Security, BSA/AML Officer, and CRA Officer mirrored the duties performed at McFarland State Bank except for the duties of the Information Security Officer

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  McFarland State Bank

  Jul 2008 - Oct 2010

  V.P. Compliance, Security, BSA/AML Officer, CRA Officer, and Information Security Officer:

  Developed, implemented, maintained and revised policies, procedures and standards of business, the Compliance Program and its related activities, including oversight of the compliance committee, to prevent illegal, unethical, or improper conduct. Established a risk assessment and implemented internal monitoring of compliance. Developed, implemented and administered all aspects of the BSA, OFACT, CRA, Information Security, Bank Security, Privacy, & Compliance.

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  Mid America Bank

  Oct 2010 - Aug 2012

  S.V.P. Compliance, Security, BSA/AML Officer, CRA Officer, and Information Security Officer

  Developed, implemented, maintained and revised policies, procedures and standards of business, the Compliance Program and its related activities, including oversight of the compliance committee, to prevent illegal, unethical, or improper conduct. Established a risk assessment and implemented internal monitoring of compliance. Developed, implemented and administered all aspects of the BSA, OFACT, CRA, Information Security, Bank Security, Privacy, & Compliance.

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  FIPCO

  Aug 2012 - Dec 2015

  Director - Compliance Services

  Consulted with senior management and the boards of directors of the member banks. Provided comprehensive tools, training and guidance; allowing these banks to manage the complexities associated with regulatory compliance, while also focusing on growing their business. Wrote compliance articles for WBA and FIPCO publications. Presented at industry events. Certified Regulatory Compliance Manager (CRCM).

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  State Bank of Reeseville

  Sept 2015 - Feb 2016

  Chief Operation Officer

  Manages all operational activities ensures the delivery of reliable, quality and timely services to customers while maximizing profitability and compliance with bank policies and procedures. Directed, administered, and coordinated the activities of operations in support of policies, goals, culture, core values and objectives established by the President/CEO and the Board of Directors. Certified Regulatory Compliance Manager (CRCM).

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  CrossCheck Compliance LLC

  Feb 2016 - May 2017

  Director - Regulatory Compliance and Internal Audit

  Senior regulatory compliance and internal audit executive with over 25 years of experience in banking and consulting. Certified Regulatory Compliance Manager (CRCM). Previous management responsibilities have included retail, security, information security, operations, financial, compliance and audit functions.

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  First National Bank at Darlington

  May 2017 - Sept 2024

  Vice President Compliance/Audit

  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. Show less

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  Great North Bank

  Aug 2024 - now

  Compliance/BSA Officer

  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. Show less