JOSEPH SIMONI

9 a" 12TH AVENUE

SAN MATEO, CA 94402
650.349.7979

OBJECTIVE
COMPLIANCE COORDINATOR RETAIL BANKING
Work Experience
4/06-6/10
United American Bank San Mateo, CA
VICE PRESIDENT/COMPLIANCE MANAGER
Responsible for the regulatory stability of the bank; Ensures that
all consumer protection laws are complied with; liaison between the
internal auditors, the federal regulatory agency and the Bank and
responds to any findings; Reports quarterly to the Audit Committee;
Chair of the Compliance Committee; Issues compliance reports to the
Board of Directors; Administers the Bank's web-based compliance
courses; Coordinates agenda for the Audit Committee; Functions as the
BSA, CRA and US Patriot Officer; Develops and revises compliance
policies; Performs risk assessments and compliance audits.
8/04- 4/06
Bridge Bank San Jose, CA
VICE PRESIDENT/COMPLIANCE ADMINISTRATOR
Develops compliance policies/procedures; performs risk assessments;
interfaces with internal/external auditors; Chair of the Compliance
Committee; Reports quarterly to the Audit Committee; Chair of the
Corporate Procedures Committee; Administers the Bank's web-based
compliance courses.
3/04-8/04
Alliance Credit Union San Jose, CA
Compliance Officer
Performed compliance audits; developed a risk-based compliance
program; developed compliance polices and procedures; revised the
Business Resumption Plan and Security Manual; member of several
committees, including Marketing and Manager Roundtable; revised the
Member Handbook.
10/03-03/04
Compliance Consultant San Mateo, CA
Developed Corporate Compliance Policies and Procedures, developed
AML/BSA Program; Instituted a Compliance Management Program;
Coordinated a Compliance Committee; functioned as a liaison between
auditors and bank; Provided Compliance Training to bank staff.
3/03 a" 09/03
America California Bank San Francisco, CA
Vice President/Compliance Manager
Developed a risk-based compliance, training, monitoring and audit
program for GLBA, AML, EFAA, TISA, EFTA, NACHA and Reg D/Interest on
Deposits; Performed audits in the above programs; Administered the
bank's web-based compliance training program; Developed operational
compliance training seminars; Functioned as the CRA, Privacy, USA
Patriot, BSA, Disaster Recovery and Security Officer; Managed 2
department officers; Developed and revised compliance and operational
policies and procedures.
10/98-3/03
Liberty Bank South San Francisco, CA
AVP/BRANCH ADMINISTRATOR/COMPLIANCE MANAGER
Reviewed and revised the corporate policies and procedures; Audit
operational and financial documentation and data for 3 branches
Developed the corporate Security and Disaster Recovery Plan;
Responsible for staffing and training of employees; Responsible for
regulatory and compliance training.
8/94 - 12/97
American Electronics Association Credit Union Sunnyvale, CA
COMPLIANCE MANAGER
Developed and revised the corporate policies and procedures;
Developed the corporate Security and Disaster Recovery Plan;
Responsible for regulatory and compliance training for 200 employees
with 9 branch locations; Prepared management reports for inclusion in
the monthly board of directors packet;
Performed security, financial and operational audits; Responded to
regulatory examinations; Prepared audit reports to VP/Audit; Reviewed
member transactions for possible fraudulent activity; Assisted in the
investigation of employee defalcations; Served as the company's fraud
investigator;
9/90 - 7/94
Liberty Bank South San Francisco, CA
OPERATIONS COMPLIANCE MANAGER
Revised operational procedures manuals; Responsible for staffing and
training of employees. Supervised compliance to court subpoenas of
bank records; Managed 2 supervisors; Assisted the CRA Coordinator in
compliance examinations; Responsible for internal controls; Responded
to regulatory examinations; Reviewed monthly verification reports;
Performed branch audits; Served as the Branch Security Officer;
Investigated fraud cases; Reviewed customer transactions for
fraudulent activity; Investigated employee defalcations.
6/88 a" 8/90
California National Bank San Francisco, CA
AVP/BRANCH ADMINISTRATOR
Revised compliance and operational procedures; Performed CRA
Compliance audits; Performed branch audits; Reviewed customer
transactions for fraudulent activity; Investigated employee
defalcations; Prepared management reports of financial activity and
audit findings; Supervised compliance to court subpoenas of bank
records; Coordinated audits with external regulators and auditors;
Supervised 3 Customer Service Managers.
EDUCATION
Notre Dame de Namur University MBA
San Francisco State University BA
Certified Regulatory Compliance Manager ICB
Certified Bank Auditor BAI
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