Regulatory Audit and Compliance Director
Rita Ward has 16 years of regulatory audit and compliance experience in the private and public sectors of finance, 5 years of which she was dealing with the CFPB and DOJ directly. She has worked with small lenders (Westlake Financial), credit unions (First Financial Credit Union), commercial banking (Commonwealth Business Bank, Bank of Hope), big banks (Wells Fargo, CIT), and many others. She has limitless experience in compliance, internal audit (Banking, Mortgage, Commercial and Consumer Lending, Compliance Management System, Financial, Vendor Management, Due Diligence, Servicing/Subservicing, and SOX). She has assisted in writing policies and procedures for overarching processes. Along with assisting clients to address Matters Requiring Attention (MRA) from regulatory institutions.
CAMS, FINRA Arbitrator, B.S. Management
Frank joins RADD LLC bringing an expert level of experience in an array of regulatory related initiatives including payment device products, writing policies, procedures, audit reports, account documentation review, risk assessment, investigation of suspicious transactions and financial advisor trading activities. Frank has expertise in BSA/AML regulations, California Consumer Privacy Act (CCPA), and implementation of high-risk business channels such as Money Service Business Banking. He has worked for small and medium-sized banks as well as some of the largest security firms and banks in the world, including Prudential Securities Inc. and Citibank N.A.
Ben Farias is one of the most skilled consultants on the team with more than 38- years of experience in the credit union industry. Ben is highly educated in bank regulation, fiduciary activities, general financial institution compliance risk management and credit review. Ben has spent many years in the financial services industry hyper- focusing on compliance management and community reinvestment . Ben is a retired senior California Bank Examiner with skills extending to the areas of regulations like the Bank Secrecy Act, commercial bank examinations, information technology and officer department training. Since 1997, Ben has been certified as an Association Trust Compliance Professional. He has also been certified as a trainer at the Conference of State Bank Supervisor for the California Department of Personnel Administration.
CISM, CISA, CGEIT, CFE, CBA; B.A. in Economics and an M.B.A.
John joins RADD LLC as a senior consultant with more than 25 years of experience. John is thoroughly educated and experienced in many aspects of financial services including and not limited to internal audit, SSAE 16s/18s, regulatory compliance, information security, investigations, and process reengineering. He has held positions such as Chief Internal Auditor and VP of Audit & Compliance in a variety of companies and was the Chief Information Security Officer at two multi-billion institutions. John is also fluent in three languages.
NCCO, NCRM, CUCE, BSACS
Katey Proefke has more than 30 years of financial institution compliance experience focused on credit unions. She has worked for mortgage lenders/brokers, banks and credit unions. Katey has held the title of Chief Compliance Officer, Director and Assistant Vice President at these institutions. Most recently, she was the Chief Compliance Officer for a $3.5 billion credit union where she created the compliance department from the ground up. This included creating and maintaining the following functions: vendor management program, regulatory change process, compliance monitoring, BSA program and a comment letter process. Katey is the Vice President of the Credit Union Compliance Professionals group that meets monthly in Southern California.
Compliance and Fraud Consultant
Rose-Marie is a top performing risk-compliance professional with more than 20 years of leadership experience and exceptional talent for identifying and implementing risk mitigation strategies, maintaining strong internal controls, implementing operational efficiencies across multiple functional areas, and working cross-functionally to innovate and execute strategic initiatives. She has experience in working as a risk management and operations executive for credit unions ranging from $30 million to $2.6 billion in asset size. Rose-Marie understands the needs of credit unions. She has experience creating Risk Management Departments responsible for fraud mitigation, internal audit and risk assessments, BSA-AML-OFAC, regulatory compliance, corporate insurance, physical security, and vendor management. Rose-Marie has helped develop the Bank Secrecy Act – Anti-Money Laundering – OFAC Programs. Rose-Marie has established Regulatory Compliance Programs with policies, procedures, training and has created Security & Safety Programs including Workplace Violation Prevention.
Brenda Tursugian has over 28 years of experience in the financial services industry, with 14 of those providing internal audit services. She has worked for both small and more significant financial institutions domiciled in Southern California. She has extensive expertise in auditing Branch, Central Operations, Loss Prevention, Deposit Compliance, Electronic Banking, Remote Deposit Capture, Mobile Banking, Mobile Deposit, Automated Clearing House (ACH), and Human Resources.