Donald S. Morgandnld_morgan@yahoo.com

24 Fouche Drive cell (404-932-7742)Cartersville, Georgia 30120

PROFESSIONAL SUMMARYResult Oriented, Proactive and innovative professional with 13 + years of Self & Leadership with extensive hands on experience in the areas of wealth management risk based internal audit, fraud investigations, strategic & governance process review & control, and credit underwriting. Strong analytical & organizational abilities with adeptness in implementing, formulating and streamlining operational policies & procedures. Keen understanding & significant experience of risk identification, analyze and mitigation.

SPECIALTIES, SKILLS, & EXPERTISE

TSYS Expert Blast & Omni System Expert Wealth Management

Detection Expert Risk Management Expert

Credit Research Analyst Expert/ Improvement/Quality Process

Presentations to Large Groups & Audiences

Crisis Management Fraud Leadership Training & Team

Building

CAREER PROGRESSION/SELECTED ACCOMPLISHMENTS

Bank of America 3/2014 – Current Wealth Corporate Credit Card & Global Research Fraud Analyst/SB Fraud Analyst Pertinent understanding of banks & fraud control system for all retail assets products and

services, cards and other channels fraud & fraud investigations. Investigate fraud cases of retail loan & advances, anti-money laundering (AML),

suspicious transaction report (STR), & root cause & proposing corrective measures. Carry out risk assessment to identify areas specifically vulnerable to fraud. Investigate fraud cases of retail loan & commercial credit cards transactions. Analyzing fraud trends, establishing & monitoring key fraud indicators. Build and strengthen relationships with wealth clients and program administrators.

Chase Bank 11/2008 – 12/2013 Customer Services Specialist/Internal Control & Fraud Detection Analyst/Credit Card &

Mortgage Worked as a face to face Relationship Manager/ Customer Service Specialist to identify

the foreclosure crisis and resolve the many issues surrounding foreclosures Consulted with management on a regular basis to ensure the compliance of policy and

procedures.

Analyzed wealth borrower’s personal finances for workout options to resolve delinquency and potential for loss; producing a major contribution to the Atlanta Homeownership Center’s success where 2011 modifications were completed.

Responsible for ensuring Internal Control at the Branch by proper checks and balances with routine banking services and ensuring customer satisfaction and first level of scrutiny.

Investigate fraud cases of mortgage loans & credit cards, anti-money laundering (AML), suspicious transaction.

Performed and provided alternative solutions for customers facing foreclosures. Consulted with management on a regular basis to ensure the compliance of policy and

procedures.New Century Mortgage 4/2003 – 4/2007Area Sales Manager/Customer Engagement Specialist/Internal Control & Fraud Detection Analyst

Lowered and reduced fraud risk by performing credit analysis technical reviews. detect any fraud or misappropriation irrespective of its size, magnitude other staff involved in it and analysis of PAR & NPA status of the business partners and also to identify any malpractice, collusion or action on part of employees that is against the organizational policies or can bring disrepute to the institution

Surprise visit to customers end for verification of communication on loan details, follow-up, pre and post appraisal and visit by field executive & Branch Manager, checking appraisal quality, end utilization monitoring.

Identify the prone areas of corruption, fraud, operational policies and practices with a view to timely recommend modification in policies & ensure authenticity of policies vis a vis compliance.

Conduct training workshop for external & internal stakeholders within organization as well as with front line managers to create fraud risk awareness related.

Conduct regular surprise audits of external vendors (vendor process management) and also train & develop external risk agencies in fraud detection, appropriate referrals, fraud prevention & investigation.

Random effective sampling of new retail loan proposals and check authenticity of documents attached as, financial statements & others to filter financial crime & credit risk management & ensure no fraud creeps into system.

Formulate quarterly audit / process review plan & design review scope, risk parameters and implement risk based internal audits to ensure regulatory (RBI) compliance & ethics

EDUCATIONAL ACHIEVEMENT

Masters of Arts: Human Services and Executive Leadership Liberty University, Lynchburg, VA Bachelors of Science: Business Management Liberty University, Lynchburg, VA Certified internal Control Detection Analyst Lean Six Sigma Green Belt