Marcella L. Love3420 Mautino Drive Columbus, Ohio 43231 (614) 578-2219

marcielove1908@gmail.com

Profile ______________________________________________________________________________Experienced risk, audit and compliance professional, with a proven dynamic diversified professional background in the Financial Services sector with a record of success in providing outstanding leadership and project management to client(s) during various stages of the audit/risks identification processes. I’ve worked with Executive teams of all levels and have the ability to analyze complex business processes and administer resolution when applicable. My professionalism, organizational, and communication skills are impeccable at all times.

Recognized for the ability to form solid relationships with clients and internal personnel while cultivating work environments conducive to learning and success. Exceptional training development and implementation skills that motivate colleagues to perform at higher levels. Proven ability to analyze complex business processes and administer resolutions when applicable. Solid understanding of banking regulatory concepts, including AML, HMDA, CRA, FACT ACT, Bank Secrecy Act, OFAC, and the USA PATRIOT Act in addition to working knowledge of banking regulations including Reg C, Reg E, Reg DD, UDAAP, and SCRA. Strong written and verbal communication skills

Achievements_________________________________________________________________________• Created the Bank of America Practice Solutions risk assessment/compliance/audit program and scorecard which resulted in all external audits being passed and the self identification of LOB risk•Developed the first education program at Bank of America Practice Solutions which increased the overall productivity of all associates

Key Qualifications_____________________________________________________________________• Functional experience in performing risks/compliance assessments and audits • Highly skilled in recognizing key risks and controls• Writing compliance, sales, and operations processes and procedures including the completion of desktop manuals for all employees that serve as a quick reference guide• In depth knowledge of managing a compliance/audit and operations department

Professional Experience __________________________________________________________October 2015-Present JP Morgan Chase Bank-Columbus, OH Sr. Compliance Officer

Provide compliance analysis and oversight of various issues within the Debit Card and ATM Innovations spaces

Subject matter expert in Reg E in relation with the Debit Card and ATM spaces Review banking regulations to ensure that supported business partners remain in compliance at all times Review all business partner communications to eusure that they are in compliance with both the firm and

government regulations Lead and participate in weekly/monthly/quarterly calls with business partners based on a compliance

agenda.

Marcella L. LoveRésumé, Page 2

Knowledge of internal policies and procedures, banking and consumer regulations/laws which is used to implement necessary enhancements/improvements and to minimize the risk of noncompliance

July 2014-October 2015 JP Morgan Chase Bank-Columbus, OH Sr. Risk and Controls Officer

Perform detailed examination work (operations, transactions and systems) with the goal of providing independent verification of the internal control environment

Assess issues identified during audits or special projects and develop recommendations to strengthen internal controls and improve operational efficiency.

Manage the risk and control self-assessment process for multiple business units globally. This includes partnering with the business to identify key risks/controls/ issues, implementing standards, and meeting frequency requirements.

Coordinate risk-based process reviews and pre/post audit reviews Lead and participate in weekly/monthly/quarterly calls with business partners based on a control agenda. Knowledge of internal policies and procedures, banking and consumer regulations/laws which is used to

implement necessary enhancements/improvements and to minimize the risk of noncompliance Provide oversight for business execution of Retail Fraud Prevention Control related programs/initiatives

April 2013 – July 2014 Robert Half-Chase Bank-Columbus, OH Consultant-Compliance Analyst

•Conducted audits on homeowners and flood insurance for the Department of Justice (DOJ) project to ensure that customers were not being charged for forced placed homeowners and/or flood insurance•Performed daily quality checks to ensure that the mortgage and insurance processes are performed accurately •Researched to close gaps in the mortgage and insurance processes

September 2010-2013 Private Consultant, Columbus, OH Business/Marketing Consultant •Provided debt and financial consulting services for private clients•Supplied business and marketing needs including creative marketing strategies and campaigns•Served as liaison between clients and third party vendors for special events and projects •Assisted with planning and implementation of public relations projects in the community•Facilitated the presentation/discussion of complex concepts and business processes to clients

March 1999-June 2010 Bank of America, Westerville, OH Compliance Officer/Operations Manager

•Managed a team of 16 Loan Operations Specialist and 4 Audit/Compliance Specialists•Performed supervisory/managerial duties including monitoring attendance and performance, interviewing and hiring candidates, department staffing and scheduling, and coaching and development•Completed all bank related quality reviews and regulatory assessments, compliance reviews, and audits (including CIP, CRA, KYC, AML, BSA, Patriot Act, HMDA, and OFAC) for both internal and external audit review as well as participating in line of business and department UAT testing

3420 Mautino Drive Columbus, OH 43231 (614) 578-2219 marcielove1908@gmail.com

Marcella L. LoveRésumé, Page 3

•Ensured that regulatory issues were addressed through operational, system or policy enhancements or controls and provided education as needed•Wrote department procedures as well as business unit policies•Assessed deficiencies/areas of improvement to promote continuous positive outcomes and provide feedback to upper management and conducted training as needed•Responsible for execution and/or implementation of programs, processes and initiatives•Served as the internal Performance Consultant/Project Manager for the line of business to identify and analyze risk within the sales, accounting, finance, and operations departments

Served Bank of America (and the former) in the listed capacities:o Sr. Loan Operations Manager/ Compliance Officer : 2005-20010o Education /Training Specialist II-MBNA Foundation Community Liaison :

2003-2005o Vendor and Practice Sales and Acquisition Inside Sales Manager : 1999-

2003

Education __________________________________________________________________________FRANKLIN UNIVERSITY – Columbus, OhioBachelors of Science in Marketing and Applied Communications

FRANKLIN UNIVERSITY – Columbus, OhioMaster of Science in Marketing and Communication

3420 Mautino Drive Columbus, OH 43231 (614) 578-2219 marcielove1908@gmail.com