Bianica Barnes
Memphis
Summary
Highly skilled banking professional with over 15 years of banking knowledge seeking a challenging position that will utilize my education banking knowledge to achieve company goals. Bank professional with strong analytical skills, ability to organize and prioritize work, strong attention to details, ability to effectively review and analyze data, ability to work under pressure and meet deadlines. Awarded Employee of the Year from First Tennessee Bank four years in a row.
Seasoned Senior Compliance Officer known for unparalleled productivity and efficiency in task completion. Possess specialized skills in regulatory compliance, risk assessment, and policy development. Excel in communication, problem-solving, and leadership, ensuring thorough understanding and adherence to legal standards and company policies.
Overview
24
24
years of professional experience
Work History
Senior Compliance Officer III/Lead
First Horizon Bank
01.2023 - Current
- Developed compliance policies to align with regulatory requirements and industry standards.
- Conducted risk assessments to identify potential compliance vulnerabilities within operations.
- Managed audits and examinations to ensure adherence to internal and external guidelines.
Risk Compliance Analyst
First Horizon Bank
01.2016 - 12.2018
- Maintained a good working knowledge of current state, federal, and company policies and requirements regarding the Home Mortgage Disclosure Act (HMDA) and the NMLS Mortgage Call requirements.
- Validated the accuracy and completeness of HMDA LAR reporting, quarterly and annually.
- Validated the accuracy and completeness of NMLS MCR reporting, quarterly and annually.
- Also, coordinates with various departments to resolve any inconsistencies in loan data to ensure accuracy in reporting of HMDA and Mortgage Call data.
- Work with IT Department to resolve data discrepancies, identify root cause, and recommend corrective actions as appropriate.
- Complete and submit quarterly mortgage call reports.
- Provide support for ad hoc compliance or licensing-related special projects or duties, as necessary.
- Developed compliance policies to meet regulatory requirements and enhance operational efficiency.
- Conducted risk assessments to identify potential compliance issues within the organization.
- Led training sessions for staff on compliance protocols and best practices.
- Reviewed internal processes to ensure adherence to legal and regulatory standards.
- Coordinated with cross-functional teams to implement compliance initiatives effectively.
- Monitored changes in legislation and updated company policies accordingly.
- Prepared detailed reports on compliance activities for senior management review.
- Provided guidance and support during audits to ensure comprehensive compliance evaluations.
- Participated in regular audits conducted by internal auditors or external agencies.
- Conducted risk assessments to identify areas of non-compliance and recommend corrective action plans.
- Assisted in the preparation of reports for internal stakeholders and external regulators.
- Monitored regulatory developments and updates to ensure compliance with applicable laws and regulations.
- Performed periodic reviews of existing policies and procedures to ensure they remain compliant with changing requirements.
- Created a system for tracking customer complaints related to compliance issues.
- Established an effective communication channel between internal teams and external regulators.
- Collaborated with various departments to ensure adherence to company standards and procedures as well as industry best practices.
- Drafted responses to inquiries from regulatory authorities regarding compliance matters.
- Investigated potential violations of applicable laws or regulations, including suspicious activity reporting.
- Managed the implementation of new software systems designed to improve the efficiency of monitoring activities.
- Coordinated with legal counsel when needed to resolve complex compliance issues.
- Provided training to staff on anti-money laundering, data privacy, anti-bribery, and other relevant regulations.
- Developed and implemented comprehensive compliance policies and procedures.
- Identified gaps in existing processes and systems that may lead to non-compliance situations.
- Prepared detailed reports summarizing findings during investigation projects.
- Reviewed third-party vendor contracts for any potential conflicts of interest or legal risks associated with them.
- Maintained records of all investigations into possible violations of applicable laws or regulations.
- Developed and implemented strategies necessary for minimizing risk of non-compliance.
- Created and managed action plans to mitigate audit discoveries and compliance concerns.
- Developed systems to track and monitor compliance with regulatory requirements and internal policies.
- Participated in networking and learning opportunities to remain current with evidenced-based practices.
- Established working relationships with regulatory agencies.
- Organized training programs to educate company staff on benefits and consequences of complying or defying regulations.
- Facilitated adherence to safety and regulatory objectives and managed client-specific projects, training programs and personnel background checks.
- Conducted reviews to foster ongoing compliance with federal and local regulations.
- Utilized risk management techniques and business knowledge to improve compliance programs.
- Maintained compliance frameworks, policies and documentation to support audits.
- Planned and executed compliance audits to check company policies, procedures and controls.
Compliance Officer I
First Horizon Bank
01.2015 - 01.2016
- Responsible for identifying customers who may pose a higher risk to the bank and making the determination as to whether or not it is an acceptable risk in order to retain the customer.
- Performs various duties associated with BSA Compliance specifically related to the identification of money laundering and terrorist financing risks.
- Daily duties include: identification of risk using risk scoring processes and collection of information in order to analyze the risk associated with a specific customer.
- Follows the documented management escalation procedures when risks identified may pose issues/concerns for the bank.
- Performs BSA Compliance research as necessary to support business line management.
Lead Outgoing Returns
First Horizon Bank
01.2008 - 01.2015
- Managed a team of analyst.
- Responsible for balancing and maintain general ledgers processed bank of first deposit, return fraudulent items, and also provide customer service to internal and external customers.
- Assist management with developing training needs assist management with developing training needs with a proficiency in use of internal systems which includes HOGAN, BRAVO, XPTR/XNET and Image Retrieval.
Senior Teller
Bank of America
01.2005 - 01.2007
- Processed transactions accurately, speed and efficiently in accordance with established policies and procedures.
- Identify customer needs and refer financial products and services to consumer and small business customers.
Senior Customer Service Rep
Bank of America
01.2004 - 01.2005
- Processing claims, solving customer problems and concerns regarding debit card claims and other consumer products.
- The incumbent receives calls from call centers, banking centers and other business partners, filing new claims when needed, make additions to or follow-up on existing claims or appeal for review of denials.
Console Attendant
First Tennessee Bank
01.2004 - 01.2005
- Using my banking knowledge to help customers deal with banking issues and inquires.
- Used computer based skills to look up customers’ accounts and answering customer questions which excellent customer service quality.
Senior Teller
Memphis Area Teacher Credit Union
01.2002 - 01.2003
- Used my cash handling and great customer services skills to handle all banking transactions, utilized cross selling tactics to meet and exceed everyday goals set by company and handled all transactions with top customer service quality.
Education
Bachelor of Science - Business Organizational Leadership
Bethel University
Associated degree - Accounting
University of Phoenix
Skills
- Booking keeping, tax preparation and accounting skills for over 10 years
- Analytical Skills
- Expert with Excel, workbook, PowerPoint
- Compliance reporting
- Regulatory analysis
- Data validation
- Policy writing
- Risk assessment
- Audit management
- Customer relationship management
- Operations oversight
- Process improvement
- Problem solving
- Effective communication
- Team leadership
- Training development
- Influencing skills
- Training delivery
- Documentation review
- Legal research
- Data privacy
- Customer focus
- Compliance monitoring
- Regulatory expertise
- Anti-money laundering
- Federal and state regulations
- Auditing processes
- Compliance procedures
- Internal controls
- Investigations skills
- Deficiency documentation
- Adaptability
- Problem-solving
- Executive leadership
Timeline
Senior Compliance Officer III/Lead
First Horizon Bank
01.2023 - Current
Risk Compliance Analyst
First Horizon Bank
01.2016 - 12.2018
Compliance Officer I
First Horizon Bank
01.2015 - 01.2016
Lead Outgoing Returns
First Horizon Bank
01.2008 - 01.2015
Senior Teller
Bank of America
01.2005 - 01.2007
Senior Customer Service Rep
Bank of America
01.2004 - 01.2005
Console Attendant
First Tennessee Bank
01.2004 - 01.2005
Senior Teller
Memphis Area Teacher Credit Union
01.2002 - 01.2003
Bachelor of Science - Business Organizational Leadership
Bethel University
Associated degree - Accounting
University of Phoenix