Diane Howe

Experience

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  Synovus Bank

  May 2002 - Sept 2011

  Compliance Officer

  Served as the liaison between the bank and regulatory agencies. Ensured existing and new products or procedures comply with established regulatory criteria.Serves as a consumer regulatory advisor and consultant; consults with and guides management across multiple business units on compliance issues; consults and coordinates with legal counsel on compliance matters. ■ Maintains a library of current training materials on compliance laws, regulations, and interpretations; develops training materials and ensures bank training requirements are met. ■ Assisted in tracking compliance deficiencies as noted through internal audit or regulatory examinations; ensures corrective action is taken by management; conducts trend analysis and compiles statistical data regarding compliance and regulatory audit findings.■ Evaluates the accuracy of and ensures the integrity of data related to the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA). ■ Reviewed and ensured established bank policies and procedures are compliant with applicable federal and state laws and regulations; recommended changes as appropriate; evaluates the effectiveness of existing policies and procedures in relations to compliance programs. Show less

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  Community & Southern Bank

  Sept 2011 - now

  VP Compliance Officer for Consumer Lending

  Core competencies:• Encompass high level analytical/problem solving• Collaborative Leadership• Goal and Detail Oriented• Process/ procedure designer• Efficiency developerSoftware Skills: Proficient with a variety of computer software programs including: Microsoft Word, Excel, Metavante, Synergy, Silverlake, DecisionPro, RATA Comply and Calyx.Community & Southern Bank-Atlanta, GA Sept. 2011 – presentVP- Lending Compliance OfficerDepartment Directives:• Monitoring Responsibilities included submission of weekly HPML rates, quarterly and yearly to reviews to ensure compliance with all applicable consumer banking regulations.• Work with FDIC examiners during their yearly reviews.• Submit yearly HMDA LAR for the bank.• Review and Submit Mortgage loans for audit to MCA vendor.• Review and monitor a wide variety of Regulatory compliance subjects for both Real Estate and Non-Real Estate loans including Reg. B, Reg. Z, Reg. C–HMDA, HPML, Flood, RESPA, Fair Lending, SCRA, Advertisement/Marketing, Website, UDAP/UDAAP, TRID, ATR/QM and submit monitoring summary of findings to management.• Notify departments on updated information from the FDIC and CFPB.• Work with Central Credit Underwriting (CCU) and Central Loan Processing (CLP) on any loan issues that might arise.• Second CRA review• Respond to team member questions on various compliance topics.Achievements:• Created and review bank procedures and policies, recommend changes as needed...• Created HMDA procedures for the CORE bank and Secondary Mortgage Market department• Originated Safe Act procedures in conjunction with HR • • Participated in creating new purpose definitions for DecisionPro for consumer lending.• Update Lending Manual as necessary with current and new regulatory requirements. Show less

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  Bank of the Ozarks

  Aug 2016 - now

  Compliance Officer

  Monitor and report consumer and small business federal regulatory adherence.