HEIDI NACCARATO

344 Crawford Ave.

Maple Shade, NJ 08052
(856) 779-0566-Home
(215) 284-9749-Cell

SUMMARY: Sixteen years experience in banking, lending and bank compliance. Work
ing knowledge of Windows, and Microsoft Word and Excel. Experience in banking s
ystems Crossell, Acaps, Loan Calc, Eastpoint, LaserPro and FiServ. Good organiza
tional skills and teaching ability. Dependable, friendly and customer oriented.
Able to work as a team player or independently.

PROFESSIONAL EXPERIENCE :
EARTHSTAR BANK , Southampton and Philadelphia, PA (2005-Present)Compliance Offi
cer 2005-Present
Loan Administration Officer 2005-2007 Current Responsibilities include following
up with management to ensure that any compliance deficiencies found by internal
auditors ICS and Accume are corrected. Coordinating regulatory training for all
bank employees and the Board of Directors. Implement any new required Complianc
e Programs. Coordinate and co-chair bi-monthly Compliance Committee Meetings. Re
port to the Board of Directors Monthly and Audit Committee of the Board Quarterl
y on the status of our Compliance Program. Perform the annual transmission of th
e HMDA LAR to the FFIEC.
SELECTED ACCOMPLISHMENTS
Created and coordinate a regulatory training program for Earthstar Bank.Research
ed online training companies and selected one (BAI) to use for our required regu
latory training. Coordinated the set up of BAI with our IT department and coordi
nated the selection of available programs with our Department Managers.
Heading a Policy project to ensure that all policies are brought up to date and
will go to the Board of Directors annually for approval.
Assisting the Bank President/CEO/COO with Compliance related responses to the FD
IC and assembling booklets of exhibits. Contributing to a Record Retention Proj
ect
BANK OF AMERICA ( formally Fleet, Summit Bank), Philadelphia, PA (1998-2004)Cust
omer Sales and Service Representative
Performed all aspects of a Customer Service and Loan Representative. Occasional
opening / closing branch responsibilities
SELECTED ACCOMPLISHMENTS
Offsite banking with Evangelical Manor Retirement Community Safe Deposit Box Cus
todian
Temporary ATM Card and new account custodian
Two time Gold Star award recipient for Customer Service.

PRIME BANK, Philadelphia, PA (1993-1998)

Credit Card Representative (1996-1998)
Performed all aspects of credit card processing. Reconciled payments and cash a
dvances; applied payments daily. Researched and corrected account differences.
Completed preliminary work for credit card applications then reviewed and appro
ved them.
SELECTED ACCOMPLISHMENTS:
Manually transferred portfolio of approximately 300 credit cards from First Ster
ling Bank to Prime Bank.
Trained two associates to perform the daily reconciliation of payments and cash
advances.
Selected to participate in company sponsored Reach Out And Touch campaign. Met
with several groups of employees and conveyed their concerns to management. Upd
ated employees when situations were addressed.
Teller (1993-1996)
Responsible for assisting clients in performing monetary transactions and in su
ggesting alternative services offered by the bank. Reconciled cash drawer and t
ransactions daily.
SELECTED ACCOMPLISHMENTS:
Selected to train all new tellers in branch office.
Maintained account of all loose coins brought into the branch.
K-MART Corp., Philadelphia, PA (1991-1993)
Sales Associate
Performed all customary sales duties, including cashier, stocking shelves, assis
ting customers.

PNC BANK, (formally Provident Bank), Philadelphia, PA (1989-1991)

MAC Circuit Supervisor (1990-1991)
Supervised operation, stocking, maintenance, and repair for a series of remote M
oney Access locations run by Provident. Trained staff in operational procedures
. Prepared reports and performed administrative duties for the network.
Teller (1989-1990)
Responsible for assisting clients in performing monetary transactions. Reconcil
ed cash drawer and transactions daily.

EDUCATION: St. Hubert High School, Philadelphia, PA

REFERENCES: AVAILABLE UPON REQUEST