Audrey Cespedes
Lake,MI
Summary
Professional with extensive background in regulatory compliance and risk management. Proven ability to develop and implement effective compliance programs, ensuring adherence to industry standards and legal requirements. Strong focus on team collaboration and achieving results, adaptable to changing needs. Skills include policy development, auditing, and stakeholder communication, with reputation for reliability and integrity.
Overview
14
14
years of professional experience
1
1
Certification
Work History
COMPLIANCE MANAGER
American Financing Corporation
02.2022 - Current
- Enhanced risk management by developing comprehensive enterprise risk assessments and audit plans.
- Ensured compliance by collaborating with regulators and tracking audit findings thoroughly.
- Adapted compliance systems to regulatory changes, ensuring effective management and oversight.
- Led strategic planning for compliance initiatives, fostering quality and process improvements.
- Conducted internal assessments, providing actionable recommendations to Executive Team members.
- Promoted a culture of quality by engaging stakeholders in compliance-focused initiatives.
COMPLIANCE SPECIALIST II / INTERNAL AUDIT
American Financing Corporation
10.2019 - 02.2022
- Enhanced compliance through Fair Lending Program development across management sectors.
- Aligned strategic plans with industry best practices, establishing quality objectives.
- Executed internal assessments and communicated findings to management for improved controls.
- Implemented cost-effective QC operation plan, yielding immediate savings and efficiency gains.
- Liaised with external auditors, resolving examinations while maintaining compliance integrity.
QUALITY ASSURANCE / QUALITY CONTROL ANALYST
American Financing Corporation
04.2017 - 04.2019
- Achieved substantial cost savings by identifying critical findings during comprehensive audits.
- Enhanced operational efficiency through new policies aligned with regulatory requirements.
- Improved cross-functional collaboration by fostering interdepartmental relationships and proactive communication.
- Advised management on effective corrective actions by monitoring defects and non-compliance issues.
- Streamlined business processes, reducing operational risks and improving quality system effectiveness.
PAYMENT SERVICE SPECIALIST
Credit Union of Colorado
06.2012 - 04.2017
- Enhanced financial tracking accuracy by optimizing reconciliation processes monthly.
- Streamlined monthly data tracking, boosting efficiency and accuracy in reporting.
- Improved compliance through strategic projects addressing accounting inconsistencies.
- Elevated team performance by leading cross-functional training initiatives.
- Maintained compliance with SOX, BSA, OFAC, UCC, and AML regulations.
- Reduced discrepancies by conducting thorough audits of financial transactions.
Education
MBA - Candidate
Colorado State University- Global Campus
Denver, COBS - BUSINESS MANAGEMENT
Colorado State University-Global Campus
Denver, COSkills
Application of ISO 9001 guidelines
- Enterprise risk assessment
- Regulatory adherence
- Development and execution of policies
- Strategic leadership
- Operational efficiency enhancement
- Project execution management
- Regulatory examinations
- Anti-money laundering
- Quality Assurance and Control
- Training and education
- Internal audits
- Compliance monitoring
- Conducting investigations
Certification
- CRCM, Candidate, American Bankers Association
- CIA- CERTIFIED INTERNAL AUDITOR, The Institute of Internal Auditors
Timeline
COMPLIANCE MANAGER
American Financing Corporation
02.2022 - Current
COMPLIANCE SPECIALIST II / INTERNAL AUDIT
American Financing Corporation
10.2019 - 02.2022
QUALITY ASSURANCE / QUALITY CONTROL ANALYST
American Financing Corporation
04.2017 - 04.2019
PAYMENT SERVICE SPECIALIST
Credit Union of Colorado
06.2012 - 04.2017
MBA - Candidate
Colorado State University- Global Campus
BS - BUSINESS MANAGEMENT
Colorado State University-Global Campus