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Joy Hawkins-Fain
13 Goose Neck Ln 610-675-8498
Sicklerville, NJ 08081 joyh22@hotmail.com
Technical Leadership
Results-driven manager with experience in project management, financial reporting, business process improvement, and the execution of
risk management practices. Enthusiastic accountable leader committed to personal development with the ability to work independently and
adapt to business priorities as needed.
CORE COMPETENCIES
 Project Management
 Risk Management
 Compliance
 Audit Practices
 System Migration & Design
 Financial Reporting & Analysis
 Team Leadership
 Project Implementation
 Mentoring and Coaching
EDUCATION
Master of Business Administration (MBA) Risk Management and Insurance Walden University 2007
Bachelor of Science (BS) Management Info Systems Wilmington University 2003
PROFESSIONAL EXPERIENCE
Ace Insurance 3/08- Present
Technical Manager
Manage audit process and summarize findings for reinsurance department. Serve as a liaison amongst Ace business units, Brokers, Sr.
Management and contracted Reinsurers. Implement and monitor audit controls of audit process for SOX compliance. Recommend and develop
strategies for process improvement, with emphasis on database management and financial reporting. Oversee all technical aspects of IT related
projects which include SharePoint sites, AGV, business continuity, system upgrades, documentation and testing.
Key Achievements
 Developed a reporting process for $1.7B NAIC Attestation premium/loss portfolio used to determine reinsurance financial
impact
 Developed a process to monitor off shore processing of work and monitor turn-around time.
 Manage West Chester audit process to determine contract premium over/undercessions
 Developed databases to assist with contract entry review process
 Responsible for migration of Canadian Excess of Loss and Quota Share contracts to US business
 Implemented appropriate changes to modify auto loss registration review process from manual to automatic
 Streamlined facultative groups internal audit process from a manual process to a calculative form based automatic process
adding efficiency and accuracy to the process.
 Monitor newly implemented controls to ensure process improvement
Wells Fargo
Operational Risk Consultant 9/06-3/08
Audited the adequacy and effectiveness of policies, processes, products, and internal controls using cost benefit analysis, reporting, and validation.
Drafted policy recommendations as needed, serving as a liaison between all business units and policy team, consult with senior management to
obtain appropriate advice and cost estimates for new business initiatives. Implemented and monitored risk based projects to identify and mitigate any
risks from failed processes. Consulted on projects and initiatives, including industry and comparative analysis reports.
Key Achievements
 Assisted with the development of Fico Tier based Underwriting policies and procedures
 Implemented a sign off process for delegated banking officers
 Monitored the effectiveness of a risk based pricing strategy

2. Joy Hawkins Resume 2
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 Compiled data to support system balanced delinquency reporting project
Wells Fargo Financial Acceptance
Risk Management Analyst 1/06-promoted
Developed performance evaluation systems and reports using SAS and SQL programming models. Performed analysis and modeling to maximize
profits and mitigate risk in territories over $5M. Provided analytical support to Sr. management for various projects and strategies to ensure company
goals are met. Monitored internal controls in an effort to reduce financial losses
Key Achievements
 Developed tracking dashboards to report policy changes and audit newly implemented strategies.
 Developed various automated delinquency reporting processes for Sr. Management
 Completed profit/loss reporting for dealerships and regions that were not profitable
Wells Fargo Financial Acceptance
Underwriter II 9/03-promoted
Responsible for reviewing, analyzing and underwriting auto loan contracts for various states. Evaluated required financial documents for appropriate
loan documentation. Negotiated loan term and contracts with dealerships while complying with federal and state regulatory lending policies.
Reviewed underwriting policies and maintained compliance with Fair Credit Reporting Act guidelines
Key Achievements
 Maintained a portfolio delinquency standard of less than .50% on underwritten loans
 Completed Six Sigma Green belt certification while working on assigned projects
 Assisted the risk department on testing new products for subprime loans
MBNA
Account Analyst 3/03-4/05
Analyzed accounts for pricing using credit reports and financial documents. Reviewed cost benefit of large accounts and made necessary
adjustments to retain customers. Assisted with application development of a client data entry system and call tracking system to increase efficiency
Computer Skills: MS Office 2010, Access, Cognos, Visio, Pascal, Info-maker, InfoPath, SAS, SQL, SharePoint, Genius