Catherine M. Richmond
Twinsburg, OH 44087
Residence: (330) 425-2275
Cellular: (216) 408-0634
E Mail: email@example.com
Experienced professional with extensive experience in financial services industry including: Internal Audit,
Commercial Real Estate, Corporate Compliance and Technology Services. Excellent written and verbal
communication skills. High level of integrity, and analytical skills. Work well independently and
collaboratively with team members from all levels of management. Key skills include:
Proficiency in Windows-based software including Word, Excel, Power Point and Outlook.
Demonstrated ability to effectively utilize audit software.
High aptitude for learning new systems.
Excellent analytical and time management skills.
AmTrust Bank, Cleveland, OH 2005 - 2008
Nationally recognized leader in retail banking with branch offices throughout Ohio, Arizona, Florida
Participant in conducting financial audits of various business units within the Bank that included: Accounts
Payable, Accounts Receivable, Construction Loan Administration and Human Resources.
Planned, performed and documented audits according to the Institute of Internal Auditor Standards.
Performed audit and consulting engagements individually and as part of a team.
Documented existing processes and internal controls through interviews, observation and inquiry.
Formulated audit programs/risk control matrix.
Prepared detailed work papers that outline the controls, risks, test steps and audit findings.
Participated in client meetings and discussed audit issues and recommendations with all levels of
Analyzed findings and determined root causes.
Developed recommendations for areas of improvement, wrote reports documenting findings, and
followed-up on recommendations to ensure suggestions were implemented.
Received several “WOW” awards for completing audits on time and within tight budget constraints that
saved the bank thousands of dollars.
Charter One Bank, Cleveland, OH 2001 - 2005
Owned by the holding company, Citizens Financial Group: Charter One provides variety of banking services
such as personal and small business checking accounts, home equity products, savings options, personal
investing and retirement consulting and other services.
Loan Operations Specialist/Compliance Coordinator
Delivered professional regulatory training presentations to management and sales team that included: Equal
Credit Opportunity Act, Fair Housing Act, United States Patriot Act, Home Mortgage Disclosure Act (HMDA)
Community Reinvestment Act (CRA) and others.
Resulted in 100% compliance as required by Bank for 4 consecutive years.
Consulted with legal team and compliance officers regarding government regulations and standards.
Complied monthly loan tracking reports that monitor Community Reinvestment Act (CRA) and Home
Mortgage Disclosure Act (HMDA) loans as required by the Federal government.
Coordinated internal audits and regulatory examinations.
KeyBank, N.A., Cleveland, OH 1996- 2001
Provides wide range of banking products and services as retail and commercial banking, commercial leasing,
investment management, consumer finance and investments to individuals, corporations and institutional
clients. Presence in 13 states.
Business Analysts, Commercial Real Estate Information Technology Services 2000-2001
Assisted management of Commercial Real Estate technical projects on a national basis, ranging from
PC/database to mainframe application/interfaces, including business analysis, approval and implementation
Administrator for Key for Business (intranet) website. Responsible for content and maintenance.
Assisted in redesign efforts to Intranet.
Coordinated video and audio conference training sessions to national regions to roll out new tracking system
for construction loans over $3 million and for 200 participants.
Internet Sales Specialist, Key Commercial Mortgage/E-Commerce 1999-2000
Originated Key Commercial Mortgage Express loans up to $3 million nationally by responding to internet and
Reviewed lead submissions for eligibility, completeness of information and product group and referred to
national sales teams.
Assisted in development and maintenance of Access tracking database.
Generated weekly pipeline and status reports of internet referrals.
Consulted with brokers regarding financing loans.
Quality Assurance Analyst, Key Capital Markets 1998 - 1999
Performed loan file reviews of Closed Commercial Mortgage Backed Securities (CMBS), identified outstanding
items, analyzed loan documentation for accuracy, maintained exception report to inform relevant personnel of
unapproved deviations/omissions in loan file to ensure compliance prior to being sold to Wall Street investors.
Developed and implemented standardized loan review policies and procedures to ensure compliance.
Documented receipt of loan file from closing area; organized files in a consistent format to allow rating
agency’s review and satisfaction of CMBS industry packaging requirements.
Analyzed loan documentation, i.e. Promissory Note, Mortgage, Commitment Letter and Settlement
Statement to ensure accuracy and compliance.
Masters of Business Administration
University of Phoenix, Independence, OH
Bachelor of Arts in Management
Notre Dame College of Cleveland, South Euclid, OH
Quality Assurance Analyst