MARIA L.

LUGO JULBE
1203 Pimpernell Path Middletown, DE 19709
(302) 312-7941 (302) 464-2863
OBJECTIVE
Seeking Compliance Officer, Risk Manager, Business Information Security Officer,
or Quality Control position.
SUMMARY OF QUALIFICATIONS
* Strong skills in finance, production, and customer service. Over 15 years exp
erience as a Risk Manager/Compliance Officer in the financial industry. Professi
onal skills include:
Risk Management/Assessments/Mitigation Compliance & Quality Control/Assurance
Regulations/Policies/Procedures Violation Investigations
Plan/Lead Internal/External Audits Compliance Training/Education
Continuity of Business Coordinator Process Improvements Analytical/Problem Solvi
ng Project Planning
* Government Security Clearance-Treasury Folder.
* Certified Information Systems Security Professional & Information Security Of
ficer Certifications.
* Proficient in MS Word, Excel, and PowerPoint.
PROFESSIONAL EXPERIENCE
QVC - WEST CHESTER, PA (Contract position) 2009-2009
Fraud Management Assessor
Conducted assessment to understand and examine critical processes in order to i
dentify recommendations for efficiencies and process improvements as well as wor
kforce requirements. Defined independent (non-QVC based) standards by which work
force could be evaluated and measured. Assessed skills against required competen
cies per functions in the Fraud, Check Processing, Audit, and Q-Credit Card divi
sions. Determined accomplishments of workforce while prioritizing activities bei
ng completed based on value to QVC.
* Identified fraudulent activities and transactions being performed by workforc
e.
* Identified workload cost benefit analysis.
* Developed gap analysis.
* Upgraded and documented representative job descriptions and requirements.
* Identified training requirements to mitigate gaps and risk.
* Executed training plan.
* Ascertained greater process efficiencies, improved customer service, eliminat
ed redundancies, and reduced risk.
CITIBANK, NA - NEW CASTLE, DE 2007-2009
Business Information Security Officer - Risk Manager
*Highly Confidential U.S. Government Contracts* Ensured compliance of Citibanks
information with both corporate and government guidelines. Assisted senior mana
gers in protecting restricted and highly confidential information while identify
ing Information Security Risk within 10 divisions. Worked independently on gener
al assignments to assess operational and compliance performance. Tested controls
, key risk, and policy/process improvements. Planned and led internal/external a
udits. Performed quarterly risk assessments.
* Developed/facilitated/tracked Compliance training programs, for specified pro
gram requirements.
* Designated Continuity of Business Coordinator substantiated proper disaster r
ecovery procedures were recorded, tracked, and adhered.
* Business Development Requirements, provided compliance approvals for new prod
ucts or businesses.
 * Ascertained greater process efficiencies, improved customer service, eliminat
ed redundancies and reduced risk.
BANK OF AMERICA, FORMERLY MBNA - WILMINGTON, DE 1997-2007
Quality Controller (2003-2007)
Oversaw audit and compliance by coordinating and implementing required policy an
d/or process improvements. Anticipated regulatory changes while taking steps to
ensure compliance while mitigating risk. Reported to senior management results f
rom approval of new products, non-standard transactions, new business initiative
s, and validation of models and associated risks. Planned and led internal/exter
nal audits, participated in audits of regulatory compliance processes, ensured e
xisting/potential risks were within business policies and directives. Prepared p
rocess flows and risk assessments, developed and executed audit programs to test
controls over key risks across lines of business. Utilized structured programs
to identify business process deficiencies that may lead to regulatory non-compli
ance with Bank policies and procedures.
* Assisted with cross-functional team initiatives and developed educational pro
grams.
* Executed programs to test controls over key risks in and across lines of busi
ness.
* Performed and validated Credit Card/Bank exhaustions that provided support to
the Fraud Division.
* Executed credit card quality check, authenticated quality of plastics, bin nu
mbers, and total number of credit cards held in company vault prior to embossing
and distribution to cardholders.
Account Executive (2002-2003)
Executed quality and control processes for Affinity Groups while maintaining clo
se communication with Law, Contract Administration, Advertising, and Marketing.
Validated proper compensation payouts, and new products while crosschecking qual
ity and accuracy of all Affinity Groups information on company systems. Distribu
ted and tracked work on the Workflow Management Center tracking system.
Supervisor (1998-2002)
Managed the efforts of 6 individuals in numerous responsibilities pertaining to
Chargeback's while maintaining accurate processes for Transmittals. Ensured vali
d and authorized credit releases to MBNA cardholders. Implemented teamwork visio
n and developed formalized personal objectives at each level to align with organ
izational objectives. Reviewed career path options with individual staff members
.
* Introduced procedural standards and expectations of employees.
* Developed an effective education and career matrix for staff in development.
* Implemented a cross-training process to promote efficiency and encourage stan
dardization.
* Developed management information systems that targeted and minimized risk exp
osure.
* Reorganized Settlements workflow by market that enhanced focus and improved p
roductivity.
* Developed workload measurements to gauge performance and efficiency.
* Implemented process improvements and automated processes that streamlined wor
k processes and efficiencies reducing turn-around from 5 to 0 days. Resulted in
company save of $1.2 million per annum.
Risk Manager (1997-1998)
Educated and granted lending authority to new Credit Analysts. Maintained lender
reviews, granting of authority, authority changes, lender processes, and Loan R
eviews process and lending practices. Ensured all information of Credit Analysts
were current and up to date relating to historical information, assigning new l
ender codes, and creation of new lender profiles. Provided bi-annual education f
or credit renewals. Tracked portfolio company performance and assessed ongoing c
reditworthiness of Credit Analysts.
EDUCATION
GOLDEY-BEACOM COLLEGE - Business Administration 2002 - 2003
UNIVERSITY OF DELAWARE - Business Administration 1997 - 1999