Credit and Operations Risk Manager

Beth Ann Pitzer

15 Independence Street, Atlanta, GA 30318

bapitzer1@gmail.com 404-840-5971

www.linkedin.com/in/bapitzer
 

Qualification Summary

Risk Management
professional and former Safety and Soundness Examiner possessing more than 15 years of experience in a variety of sectors relative to the banking and financial industries. Proficiencies within though not limited to comprehensive risk assessment and resolution, auditing and process review, strategic relationship development, credit/financial analysis and surveillance, and the generation of programs to improve upon
fiscal efficiencies.

Core
Competencies

Operations Management

Collaborative Leadership

Program Presentations

Project Management

Training/Mentoring

Building Strategic Relationships

Risk Identification/Assessment

Optimal Communication Skills

Plan Design/Development

Regulatory Compliance

Process Improvement

Research /Evaluation

Financial Analysis

Team Leadership

Loss Prevention

Education / Additional Training

Education

Bachelor
of Business Administration in Economics and Finance - Stetson University

Continuing Education in Upper Division
Accounting
- Georgia State University

Additional Training 

Enterprise
Risk Management (A Practical “CAMELS-based” Approach) 2012 American Bankers
Association

Commercial Real Estate - Federal Financial Institutions Examinations Council

Advanced Commercial Credit Analysis - Federal Financial Institutions Examinations
Council

Practical Credit Skills for Bank Examiners - Deannco Financial Enterprises

Insurance, Leadership Dynamics, Fundamentals of Fraud, Real Estate Lending – Federal
Reserve Bank System Development

Professional Experience

Pitzer Risk Management Services, Atlanta, GA                                                                                                                   2010-Present

Owner/Consultant

 


  • Comprehensive oversight of preventive
    measures specific to organizational compliance with regulatory requirements,
    including Dodd Frank and regulatory letters through the Risk Management
    Committee. Provided the Board with updates on the bank’s regulatory status.

  • Implemented Risk Management Culture and
    Framework for a regional institution; and, ensure the Risk Management Committee
    is conducted in accordance with the Risk Management Committee Charter.

  • Compiled, reviewed, and delivered
    recommendations for management’s timely response to regulatory findings,
    solidifying strategic business relationship with the Federal Reserve. 

  • Researched various regulatory issues
    including non-accrual, Allowance for Loan Loss, insider activities, appraisals,
    and purchased loans, to verify examiner directives for compliance with their
    own guidance. 

  • Ensured that Risk Management Committee agenda
    items were reflective of the Risk- Focused List (Quarterly Report) and were
    representative of the overall risk profile of the organization and that
    management’s plans were adequate.

Key
Achievements

 


  • Identified specific areas where the regulators required guidance in adhering to established processes. Through
    this action, supported regulators in renewed focus upon tasks and importance of each initiative. Ultimately, saved the organization approximately $5.4MM in provision expenses.

  • Collaborated with U.S. congressman (Banking and Finance Committee) that supported the performance of a GAO review
    of the financial service regulator practices, and resulted in the finding that regulators were being inconsistent in the application of their own guidance.

  • Trained executive management on risk identification methods, managing risk appetite/profile, proactive risk management, and risk intelligence/maturity. Developed a report to quantify, monitor progress, and maintain satisfactory rating from the bank’s regulator, enabling senior management the ability to strategically plan and obtain an upgrade in all their CAMELS components.

  • Provided coaching and direction to the bank management team, targeting safety and soundness and risk management when moving bank practices from a community bank to a regional bank. This resulted in a decrease in the number of significant findings in the examination reports and the protection of bank capital and liquidity.   

  • Formalized the proper mix of risk management for a regional bank to manage credit, liquidity, market, operations, legal, and reputation risk which resulted in proactive communications, improved operations, and a decrease in examination findings.  

Beth Ann Pitzer                                                                                                                                                                                  Page
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Federal Reserve Bank of Atlanta, Atlanta, GA                                                                                                                               2001-2010

Safety and
Soundness Examiner

 


  • Supervision of examiners (up to 15 individuals) while functioning as the examiner-in-charge,
    the operations manager, or the asset manager. 

  • Wrote several examination reports and presented findings to Bank Board of Directors.

  • Staff leadership skills advanced through the delivery of timely and directed feedback to
    subordinates, generating documented performance evaluations through an
    automated feedback system.

  • Led due diligence/pre-membership reviews of banks to be admitted into the Federal
    Reserve System according to the CAMELS rating system.

  • Reviewed and classified numerous types of loans including acquisition, development, and
    construction loans, commercial real, and several commercial loans (up to $20 million).

  • Placed several banks and bank holding companies under supervisory action and monitored
    progress.

Key Achievements


  • Awarded cash awards for leadership and contributions in meeting supervisory mandates and addressing a growing volume of regulatory challenges in 2009; in the supervision of one of the largest and most complex community banks in Georgia; in efficiency and effectiveness of large bank audit functions project; in the efficient and effective risk-focused examination and inspection process for
    domestic community bank team manual; and, for being a report writing coach and team player. 

  • Recognized the importance of improving upon the existing relationship between the State of Tennessee and the Federal Reserve Bank (FRB). Shared resources would provide strength within the State’s banking community, and ensure a heightened level of
    adherence to FRB guidelines. Ultimately, there was an increase in the number of banks that chose to be part of the Federal Reserve System; and, a new Community Banking Team for Tennessee was established.

  • Created the first on-the-job training materials on the team to train examiners on leading portions of the exam, as well as, conducting operations, market, liquidity, and credit risk reviews, resulting in more efficient and effective examinations in both banks and bank-holding companies.


Prudential Financial, Atlanta, GA                                                                                                                                                     
1996-2000

Management
Internal Control Consultant

 

  • Actualized a project plan to ensure the completion of a Risk Management Inventory, which provided a management
    declaration regarding adherence to department’s internal controls and validated the inventories on a quarterly basis.
  • Led a vendor management initiative with senior management in operations, legal, and compliance that resulted in the completion
    of the Contract Management Policy and Procedures with Risk Management Committee approval.
  • As Secretary of the Risk Management Committee, requested by President to help Loan Committee run their meetings using the same
    methodology.
  • Recognized by the external auditors for resolving complex risk and control issues in the Trust Department.  Alerted senior management to a product that was not strategically aligned, from which the bank exited in 2000, and was appointed to the Trust Administrative Committee for partnering with the area executive to resolve issues.
  • Generated the first General Accounting, Trust, and Information Technology programs within the organization.


Key Achievement


  • Created an
    infrastructure where every department successfully completed a Risk Management Inventory, obtained management attestation to their department's internal controls, and established a project plan to validate independently the inventories on a quarterly basis that resulted in decreased workload by the corporate auditors in Newark, New Jersey.

  • Managed two annual FDIC Improvement Act reviews and streamlined the process to allow for self-assessment as outlined in the risk management inventory, which reduced the hours allocated from 1,200 to 600 annually.

  • Alerted senior management to a product that was not strategically aligned, from which the bank exited in 2000
  • Recognized by the external auditors for resolving complex risk and control issues in the Trust Department. Further, was appointed to the Trust Administrative Committee to assist the area executive in the resolution of certain issues.


Fidelity National Bank Corporation, Atlanta, GA                                                                                                                           1993-1996

Senior
Accountant (1996)

  • Notable distinction specific to the effective
    reconciliation of undervalued and challenging accounts.


Audit Officer (1993– 1996)

  • Selected to support the external auditors in
    completing the Trust Fund and Administration Review projects.
  • Developed a risk assessment plan for the IT area
    that received a “top” rating from the Office of the Comptroller of the
    Currency.
  • Established audit programs for the brokerage
    subsidiary and the mortgage subsidiary, and these initiatives to review Bank
    Holding Inter-company transactions.


Key Achievement

  • Sanctioned distinct efficiency recommendations for bank operations, which led to approximately $100,000 in cost savings to the
    company.
  • ID#: 66286
  • Location: Atlanta, GA , 30318

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