Mary Earl

Branch Operations Management:
· Oversee the daily operations of the branch, ensuring smooth functioning of services, transactions, and staff activities.
· Ensure the branch meets all operational goals and objectives.

· Supervise, motivate, and develop branch staff to ensure productivity, morale, and professional development.
· Conduct regular performance reviews and provide coaching to ensure optimal performance and customer service.

· Manage staffing schedules to ensure adequate coverage and operational efficiency.

· Create and maintain staff schedules to ensure appropriate coverage during all business hours.
· Coordinate with employees to accommodate time-off requests, vacations, and shift swaps while ensuring operational needs are met.
· Adjust schedules as needed to account for special events, holidays, or unforeseen absences.
· Ensure compliance with labor laws, including appropriate work hours, break times, and overtime regulations.

· Oversee time and attendance records for all branch employees.
Ensure that all staff members follow appropriate attendance and punctuality guidelines.
· Monitor and address attendance issues such as tardiness or absenteeism.
· Approve and track leave requests, including vacation, sick days, and other leave types.
· Ensure compliance with labor laws regarding employee hours and time off.

· Ensure high-quality customer service and resolve any customer issues or complaints.
· Foster a customer-centric environment to build strong, long-term customer relationships.

Drive sales growth by promoting bank products and services, including loans, accounts, credit products, and other financial services.
· Implement sales strategies and work with staff to meet or exceed sales targets.

· Ensure compliance with all regulatory and internal policies, procedures, and controls.
· Monitor and ensure adherence to anti-money laundering (AML) and know-your-customer (KYC) regulations.

· Monitor branch financial performance and work toward meeting or exceeding financial goals.
· Prepare and manage budgets and reports, track expenses, and ensure cost control.

· Prepare branch performance reports and analyze trends in operations, sales, and customer feedback.
· Present findings and make recommendations to senior management.

· Lead local marketing initiatives to raise brand awareness and attract new customers.
· Represent the bank in community events and build strong local partnerships.

· Assisted with internal and external audits to confirm compliance with applicable laws and regulations.

· Promoted a culture of continuous improvement through ongoing evaluation and refinement of compliance program elements.

· Collaborated with cross-functional teams to address compliance concerns, fostering a culture of shared responsibility.

· Enhanced regulatory compliance by developing and implementing comprehensive policies and procedures.

· Conducting Regulatory Audits on deal jackets.

· Advises management in appropriate resolution of employee relations issues.

· Responds to inquiries regarding policies, procedures, and programs.

· Administers biweekly payroll that includes base salaries, commissions, and bonuses.

· Identifies legal requirements and government reporting regulations affecting human resources functions and ensures policies, procedures, and reporting are in compliance.

· Recruits, interviews, tests, and selects employees to fill vacant positions.

· Keeps records of benefits plans participation such as insurance and pension plan, personnel transactions such as hires, promotions, transfers, performance reviews, and terminations, and employee statistics for government reporting.

· Administers benefits programs such as life, health, dental and disability insurances, pension plans, vacation, sick leave, leave of absence, and employee assistance.

· Managing direct reports.

· Assist in daily surveillance of internal and external representatives.

· Coordinate and review daily/weekly/quarterly/annual compliance reporting to the CCO.

· Monitor regulatory updates and propose improvements of business unit procedures and company compliance programs to the CCO.

· Partner with all institutional and insurance business units to identify key risks and provide timely, creative thoughtful guidance on compliance matters for multiple lines of businesses. · Review and approve marketing advertising material for institutional and retail use.

· Review and approve Direct Business Products.

· Lead ongoing training on new/changing industry regulation and related compliance policies to employees.

· Consult on various investment FINRA and SEC compliance-related questions and issues, as necessary.

· Assist on special projects and as hoc assignments, and other investment adviser on compliance-related matters as directed by CCO.

· Assist with Security and Insurance licensing.

· Assist with the Annual Compliance Meeting.

· Managed relationships with regulators, maintaining open lines of communication to ensure transparent operations.

· Assisted with internal and external audits to confirm compliance with applicable laws and regulations.

· Directly manage warehouse employees.

· Manage flow of material of all products from receipt to shipment to the customer via delegation to coordinators and area leaders.

· Assign daily job responsibilities to coordinators, area leaders, and hourly warehouse staff; and account for daily performance of the department based on interpretation of the daily workload and supplied labor metrics.

· Serve as a liaison between management and hourly employees, communicating all announcements, process changes, revised procedures, and other information, as well as escalating support requests from the floor.

· Responsible for ensuring that employees receive required and requested training on safety programs, equipment operation and certification, warehouse operations procedures, emergency action plans, and any other pertinent topics.

· Communicate, support, and achieve daily expectations.

· Continuously improve material flow, processes, and efficiency of all warehouse functions and employees.

· Responsible for the overall housekeeping efforts of their assigned shift.

· Ensure charts are developed and updated as required to monitor and report daily performance, delegating to coordinators as appropriate.

· Manage projects as assigned and ensure project boards are maintained, delegating to coordinators as appropriate.

· Promote safety among all employees and visitors of Aurora Parts.

· Encourage and promote product improvement suggestions.

· Ensure the warehouse materials and equipment are set up for the oncoming shift.

· Assist the warehouse manager and industrial engineer in process evaluation and continuous improvement, as well as implement any re-designed processes or revised procedures or rules.

· Assist company safety leaders in ensuring the facility, equipment, and employees comply with all applicable OSHA regulations.

· Serve as a mentor for coordinators and area leaders to develop into future leadership roles.

· Ensure warehouse employees comply with all Safety and Quality Assurance Programs.

· Conducting Regulatory Audits, Risk & Third-Party Risk assessments.

· Conduct Bank Management Risk Evaluations.

· Identify and prioritize key areas of potential risk and opportunity, in view of the current business environment, the regulatory environment, and the operational strengths and weaknesses of the bank.

· Thorough understanding of banks’ fraud control system for all retail assets & liability products and services.

· Conducted risk based process review / audit in retail branches and finalizing the audit reports basis observations.

· Serve as the bank's subject matter expert on regulatory & bank vendor matters while establishing and managing a strategy for third-party risk management (TPRM), including principles, guidelines, standards and support to ensure a comprehensive and consistent manner of vendor evaluation, management and oversight.

· Evaluate products and services provided by Proposed Third Party to assess whether they are consistent with Bank’s strategic goals, policies, practices and Risk Appetite.

· Manage vendor relationships to increase vendor compliance with internal and/or regulatory performance metrics.

· Support (TPRM) reporting including, accumulating monitoring, and reporting on vendor performance metrics to appropriate risk committees, Chief Risk Officer (CRO), Legal Department & Senior Management Team based on internal and regulatory requirements.

· Identify risks and challenges associated with any Proposed Third Party’s products or services.

· Evaluation of Potential Providers while performing Risk Ratings, Initial & Ongoing Due Diligence, and working with the Legal Department to review, negotiate, and recommend Proposed Third Party contact .

· Conducting regulatory audits covering Internal Audit, BSA Compliance, loan operations, deposit operations, wire transfer operations, branch operations, and other consumer federal regulations.

· Conduct Bank Management Risk Evaluations.

· Identify and prioritize key areas of potential risk and opportunity, in view of the current business environment, the regulatory environment, and the operational strengths and weaknesses of the bank.

· In-charging engagements (including planning, execution, report preparation and final wrap up), conducting exit meetings, and assisting in preparation of reporting and related risk assessment completion.

· Communicating with clients on the review process, conclusions, and potential improvements to the process.

· Authored Young & Associate’s new policies and procedures guidelines for Electronic Banking Internal Audit Program.

· Conducting complete documentation and client report review.

· Providing timely, high quality client service that meets or exceeds client expectations.

· Assist clients in developing and establishing internal audit methodology, policy and procedures, internal audit tools, and reporting standards.

· Providing consulting advice that enables clients to increase shareholder value.

· Keeping abreast of changes in industry regulations and developing one’s own competency through continuing education and by obtaining additional professional certifications.

· Serve as the bank's subject matter expert on industry and regulatory matters with regards to BSA, AML, CRA, OFAC, KYC, CIP and maintain and enhance customer deposit account opening procedures, account monitoring and currency reporting procedures consistent with Federal law and OCC regulatory requirements.

· Maintain and review policies, procedures & practices to ensure compliance with applicable banking laws, regulations, and statutory requirements.

· Establish sound programs and aimed at ensuring Bank of Indiana attains strong levels of compliance in BSA/AML/CRA/OFAC/CIP, US Patriot Act, Fact Act, KYC, incident response, information security, information technology, business continuity and pandemic planning, security and vendor management.

· Provide compliance training to applicable employees.

· Assign and monitor annual training requirements for all employees and Board Members.

· Oversee revision, preparation and dissemination of new & updated compliance standards, policies and procedures aligned with regulatory changes.

· Maintain deposit and lending related policies, updating as necessary.

· Review and discuss regulatory lending and deposit changes on internal bank processes, procedures.

· Serve as a key contact with bank regulators (developing and maintaining relationships, facilitating discussions, while demonstrating strategic leadership regarding the program and future initiatives).

· Report regularly to Board of Directors on status of Compliance Program and Policies.

· Perform duties and responsibilities of the BSA Officer in accordance with established policies and guidelines.

· Perform or oversee daily monitoring of BSA/AML reports to identify reportable transactions or activity.

· Identify, manage, and resolve issues regarding potential Restricted List violations, as well as review and verify Restricted List reports.

· Identify and monitor Suspicious Activity Report when applicable (SAR). Monitor BSA/AML industry developments and maintain advanced knowledge of new and amended laws and regulations impacting the Program and Risk Assessment.

· Serve as Information Security Officer. Provided directions for Bank of Indiana IS/IT security policies and practices.

· Direct an up-to-date risk assessment for bank IS/ IT systems.

· This is a study of vulnerabilities, threats, likelihood, loss or impact, and theoretical effectiveness of security measures.

· Evaluate threats and vulnerabilities, known and postulated, to determine expected loss and establish the degree of acceptability to system operations.

· Conduct information security risk assessments.

· Monitor, investigate, and report on physical security, data breaches, and fraud incidents.

·Engage in IT/IS audits as well as performing IT/IS Risk Assessments.

· Provide leadership in the area of advanced information technology security by having a working understanding of emerging technologies and their pragmatic use and implementation.

· Promote general IT/IS security awareness and readiness.

· Serve as single point of contact on matters pertaining to system security and abuse.

· Chair the Information Security / Information Technology committee that works to develop and maintain security policies and guidelines for appropriate use of bank IS/ IT resources.

· Chair the EDP Committee Chair the Compliance Steering and Compliance Operating Committee that works to develop and maintain bank compliance policies and guidelines that assure full bank compliance with all Federal and State Regulations.