DAVID GRODSKY

COMPLIANCE MANAGER

Areas of Expertise:
   Regulations B, E, P, Z, AA, and DD among others
   MasterCard & Visa Regulations
   Operational Efficiency and Management
   Auditing and Training

"David continues to prove year over year why he is an asset He impresses me with
his thirst to learn, create, and develop while maintaining focus on the overall
satisfaction of the organization."
Dory Holton, Director, Certegy Card Services

CAREER HIGHLIGHTS
**Successfully facilitated integration of compliance issues between Washington
Mutual Retail Bank and the newly acquired $14 billion Washington Mutual Card
Services division.
**Played key role leveraging company's market position though the implementation
of a document imaging solution serving 6000 credit unions and banking
institutions.
**Mitigated risk by establishing a Bank Secrecy Act and Anti-Money Laundering
Policy and Program.

PROFESSIONAL EXPERIENCE

SALLIE MAE BANK, MURRAY, UT 2008 - 2010 
Compliance Monitoring Manager
   Conduct annual compliance monitoring reviews that cover more than 20
regulations for all operational areas and third-party vendors for student loans,
debit cards, savings accounts, and CDs
   Identify actual and potential regulatory violations in operations, procedures
and policies that pose compliance risk to the bank with 100% resolution rate in
2008 and 2009
   Partner with business unit leaders to produce remediations that alleviate
risk that result from any regulatory findings including performing any necessary
follow-up
   Create reports evidencing each review that are presented to the Bank's Board
of Directors with a description of any findings and recommendations, risk
ratings, and action plans. 
   Serve as bank representative on a variety of projects including 2010
Regulation P and Z changes

PROPAY INC., OREM, UT 2006 - 2008 
Compliance Officer II
   Created and implemented a BSA/AML Policy and Program. 
   Appraised the soundness, adequacy, effectiveness and proper application of
CIP with enhanced due diligence, transaction velocity monitoring, and OFAC SDN
list screening.
   Prepared reports and position memos detailing conclusions and providing
recommendations on a wide variety of regulatory topics and issues including
BSA/AML, HIPPA, and Regulation E. 
   Assessed regulatory compliance impacts for international expansion (Canada,
UK, Australia)
   Supervised operational requirements for completing annual PCI DSS
certification
   Performed HIPAA assessment and audit.

WASHINGTON MUTUAL, SEATTLE, WA 2005 - 2006
Corporate Compliance Officer
   Provided risk analysis including audit and control evaluation of Card
Services operations.
   Advised on potential impact of new or amended regulations to policies and
procedures.
   Signed-off on credit card policies, programs, or changes with compliance
impact, including phone scripts, letters, marketing materials, procedures, and
training documents.
   Reviewed compliance policies with Card Services staff to ensure a clear
understanding.
   Provided input to develop operational tools and aids to help avoid compliance
errors.

CERTEGY CARD SERVICES, ST. PETERSBURG, FL 1999 - 2005
Compliance Manager, 2002 - 2005 
   Ensured customer service operations met regulatory requirements and provided
strategic insight to support Customer and Client Services, Risk, and Strategic
Support areas.
   Communicated major regulatory updates for department of 500 employees,
providing impact analysis and proposing solutions.
   Updated procedures and documentation and ensured quality audits reflected
regulation changes.
   Responsible for department Intranet website communicating updates and
changes.
   Migrated United Kingdom card services operations to St. Petersburg location
   Confirmed and audited annually-revised Continuity of Business plan. 

Supervisor III, 1999 - 2002 
   Supervised and directed back-office Chargeback resolution 12-member team
keeping above industry standards for Arbitration and Compliance win rate.
   Assisted with implementation conversion strategy for proprietary imagining
system, core process revisions and placement of technology requirements.
   Trained personnel on department systems and identified key improvements for
end-user layouts, regulatory requirements, and defect management.

AT&T UNIVERSAL CARD SERVICES, JACKSONVILLE, FL 1995 - 1999
Compliance Analyst
   Determined and implemented negotiation strategies to reduce financial loss to
company and cardholders caused by merchant violations of credit card rules and
federal regulations.
   Filed compliance violations with Visa and MasterCard Association regulations
and analyzed cardholder documentation for use in the Chargeback system.
   Created and distributed quarterly notifications to 200 associates and
managers on changes to business operations due to Visa and MasterCard Operating
Rule revisions.
   Created training manual for department use and implemented it through company
Intranet.
   Facilitated two 8-week training classes for 16 new associates hired into the
department.

EDUCATION

University of North Florida, Jacksonville, FL 1998
BA   “ Public Relations/Economics

Florida Community College at Jacksonville, Jacksonville, FL 1994
 AA Honors - Communications